6. Personalized wealth management in your insurance structure Asset management tailored to meet your personal investment objectives „ Insurance Envelope“ tailored to meet the legal requirements of your tax domicile Policyholder Insurer Policy Assets Segregated account(s) for the benefit of policy xyz Asset Manager / Advisor Limited Power of attorney Policy xyz with “ variable” returns / benefits
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11. Structuring your insurance portfolio Individual, Partnership, Trust, Company, etc. Life Insurance Policy Segregated Account Investments (incl. legal entities…) Policy Contract (policyholder, insured, beneficiaries) “ Above” the Policy “ Below” the Policy
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14. Emerging Role of Life Insurance “ New” Life Insurance Income Tax Planning Capital Gains Tax Planning Death / Estate Tax Planning Hedge against Death Dynasty Planning Immigration / Emigration Multiple Jurisdictions Investment Flexibility Securities Laws Asset Protection Financial Privacy
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Editor's Notes
Talking of an envelope: Washington Taxes A little boy wanted $100 badly and prayed for two weeks but nothing happened. Then he decided to write a letter to the Lord requesting the $100. When the postal authorities received the letter addressed to the Lord, USA, they decided to send it to President Bush. The President was so impressed, touched, and amused that he instructed his secretary to send the little boy a $5.00 bill, as this would appear to be a lot of money to a little boy. The little boy was delighted with the $5.00, and sat down to write a thank-you note to the Lord. It said: Dear Lord, Thank you very much for sending me the money. However, I noticed that for some reason you had to send it through Washington, DC and as usual, those jerks deducted $95.
MARTIN FISCHER : Knowledge is a process of piling up facts; wisdom lies in their simplification.
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