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Consider Offshore Life Insurance For Asset Protection

January 10, 2011 by  

Consider Offshore Life Insurance For Asset Protection

Governments in Europe have their eyes on the private pension funds of their citizens. And some in and around the administration of President Barack Obama have expressed their desire to get their hands on the retirement funds of Americans.

This is just one of the many tactics governments are considering as a means of propping up their failing systems.

In Europe, according to a Jan. 2 article in The Christian Science Monitor, “The most striking example is Hungary, where last month the government made citizens an offer they could not refuse. They could either remit their individual retirement savings to the state, or lose the right to the basic state pension (but still have an obligation to pay contributions for it). In this extortionate way, the government wants to gain control over $14bn (billion) of individual retirement savings.”

What we have is a system where government policies that lead to the current economic crisis have stripped your IRA or 401(k) retirement fund of value (the stock market remains about where it was 10 years ago) and have stripped your savings of value through inflation. Additionally, governments are seeking ways to grab what little retirement funds you have left. And should you reach the end of your time on earth and still have something left to pass onto your heirs, the government is going to make sure it gets its cut through the estate tax before your heirs see any of it.

So how can you protect yourself — and your beneficiaries — from the grubby hands of government? One alternative is move your money offshore. And one of the safest places to put your money offshore is in an offshore insurance account.

The truth is, most Americans need life insurance. In fact, if someone depends on you financially you must have life insurance if you want to provide cash to your family after your death. This cash comes in the form of the death benefit, which can replace your income in the event of your death.

Offshore investments often receive a bad rap, with some believing that moving your money out of the United States is tantamount to treason. Others don’t quite take it that far, but do believe it is at least unpatriotic. But what is patriotic about submitting your savings to the government? And what is patriotic about running the risk that the government will suddenly take from you what you’ve rightfully earned?

Offshore life insurance is a great method of asset protection and life insurance for law-abiding Americans. And using offshore trusts and bank accounts can be an excellent way for U.S. citizens to legally protect their assets from loss through lawsuits.

Ordinary Life Insurance vs. Offshore Life Insurance
Ordinary life insurance provides four tax-free benefits:

  • Tax-free build-up of cash value, including dividends, interest and capital gains.
  • Tax-free borrowing against cash value.
  • Tax-free receipt of the death benefit.
  • Freedom from estate and generation-skipping taxes.

These benefits are available in any life insurance policy designed to comply with U.S. tax laws. But, a U.S. tax compliant life insurance policy issued by a carrier outside the U.S. offers additional benefits:

  • Increased asset protection. While some states have enacted laws that provide limited protection for life insurance policies, there is no protection for life insurance proceeds under Federal laws.
  • Access to global investments. Offshore insurance policies provide tax-advantaged access to international asset managers to offshore funds that are generally not available to U.S. investors.
  • Increased privacy. Domestic assets, including life insurance policies, can be easily discovered by private investigators with access to any of the hundreds of asset-tracking service that now exist. But assets held offshore are off the domestic radar and cannot easily be identified.

Are there other advantages to an offshore insurance policy? You bet. How about lower operating costs and less regulation which results in lower premium costs; investments available in foreign currencies, ability to segregate funds to protect them from insolvency of the insurance carrier; no tax on earnings; and ability to exclude proceeds from the gross estate tax for Federal estate tax purposes?

And finally, one of the biggest benefits of all: You can borrow or make withdrawals from your insurance or draw it out as retirement income. This is one of the few ways left to get our assets out of reach of the taxing authorities and away from government confiscation, legally!

All-in-all, offshore life insurance offers many advantages and should be considered as part of a wealth and asset protection plan.

For more information on offshore life insurance you can order our research manual, The Offshore Life Insurance Advantage, written by attorney J. Richard Duke, named one of the “Top 100 Attorneys” by Worth® magazine. It covers all the legal ramifications and benefits of offshore life insurance policies.

Bob Livingston

is an ultra-conservative American who has been writing a newsletter since 1969. Bob has devoted much of his life to research and the quest for truth on a variety of subjects. Bob specializes in health issues such as nutritional supplements and alternatives to drugs, as well as issues of privacy (both personal and financial), asset protection and the preservation of freedom.

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  • http://aol.com sean murrey

    they try that i will break thier hands.

    • FreedomFighter

      The evil socialist/commi takeover of America must be stopped.

      These usurpers seem to have increased activity in bold defiance of the will of the American people.

      Our country is now close to being taken from us, we have been enslaved by debt, burdened to breaking by entitlements, crippled economicly by over-regulation, the judicial branch saturated with curruption and communists, and the left wants to finish collapsing the system for the takeover.

      If America goes down, it wont matter where you put money, because the world will be owned by them and we Americans but slaves.

      Laus Deo
      Semper Fi

      • EddieW

        Watch the Government use this as an effgort to take away our guns, so they can make of us slaves!!! My article to many web sites! Ahhh they took away what I had in Bold and my uise of 2 colors!!!

        It’s truly amazing!!! The guy that shot the congress woman in AZ is a leftist! Then the height of insanity…they…the left…
        blame Sarah Palin & the Tea Party???? Hellloooo???

      • grover

        AND ALL OF THIS IN 4 YEARS WOW HE SMART,SOUND LIKE WE SHOULD HAVE KEPT G.W.HE WOULD HAVE ALL OF OUR SONS AND DAUGHTERS WORKIN, SEMPER FI LETS DRAFT GRAMPA

  • Doyal

    Well, the government already has used the social security fund. The big businesses have already reduced the pension plans and benefits of the workers. Why not off shore the plans, that’s where the jobs went anyway.

  • http://none ucsjimj

    That seems risky, how can these companies protect your investment if their government fails in the same way others have? I honestly do not believe you can find this kind of protection any where, except maybe gold and silver holdings. (And who will protect them? We are screwed if our government fails, the best thing now is cut spending and stop spending money we don’t have.

    • Proud to be a Christian

      No, no, no. The advise you have been given is excellent Look for an agent that sells ING annuities (the bank is the largest in the Netherlands) most of the insurance company’s banks in Europe anyhow are all backed 100% by the country, ie Germany and Austria back bank deposits and depositors 100%, not like the US that only backs the first 250,000$ and then if you read the fine print, they have ten years to pay you. You could have starved to death by then.

  • CJ

    The advice is good, until our government sees where the cash is, and goes for it. People hear advertisements encouraging buying gold coins to avoid government confiscation, but all it will take is the government to pass another law to take that gold, too. There is nothing stopping the greedy leaders from attacking ANY source of money they can get their hands on. AND, once they’ve devalued the dollar to “play money” by increasing M2, they’ll take it from you by inflation. As long as there is greedy leaders, your lifetime gains are ALWAYS subject to confiscation by them with the simple stroke of a pen.

  • Barney

    if offshore is SOOO good why don’t you move off shore

    • Ret

      I did

  • Doug

    Barney get back into you dinosaur costume

  • herman richardson

    It is amazing how stupid the American people have become. They are begging for protection, at what cost??? As long as we allow this to continue it will. Most of the folks getting their CHECK from the government, don’t have retirement, they expect the government to pay for that too.

    • Barb

      herman,
      If you are talking about Social Security WE paid into that for 45 years.
      That government check is OUR money just being paid back to us finally! WE earned it! AND we have planned for our future if others didn’t that’s their problem, but Osama Obama ain’t touching ours!

      • CJ

        Herm’s point is SS was NOT to be considered as the ONLY source of retirement income. If you failed to PLAN and didn’t put a little extra aside, believing the government was going to take care of all your problems, you’re part of the problem keeping the greedy government in power. Yes, you may have contributed to SS, but you should have done MORE than rely on that ponzi scheme.

  • kjk

    So when do we wake up? The present admin needs to be removed,and we must then transfer the leash to the incoming regiem,so tight that these socialists scream.This is the peoples country and if the people do not take steps to get control we are going to loose more than our savings!

    • CJ

      Unless a non-socialist candidate RUNS, we will always elect a socialist for office. You can’t fix a problem with only bad parts to choose from. Don’t get lulled into the idea that elections are between a good and bad candidate. They’re more like bad and worse. We’re not voting for the best person for the job (they’re not on the ballot), but eliminating the worst of the contenders.

      • eddie47d

        Who are the Good contenders? Too many of our millionaires and billionaires are corrupt and they would need lots of money to run. How many of them are willing to take that chance anyway. $400,000 vs a billion in the private sector. Who in there right mind would want the headache? So you are stuck with mini-millionaires without much business sense. It would be nice to say we’d like our country run like a corporation with a morally strong CEO but they just aren’t out there.

        • Ron

          We may have one named TRUMP

        • eyeswideopen

          eddie47d, since we are a democracy, we cannot be run like a corporation. If we were run like a corporation it would be a dictatorship, exactly what Florida is experiencing with Rick Scott.

          • Karen

            We are a Republic not a Democracy. We have democratic elections with electorial votes to decide presidential results, which may or maynot reflect the truth about how people vote. Due to governors deciding district lines.

  • http://corb7.com Jeff Corbett

    Congrats on a really good post. Very informative and to the point. Everyone of substance should be looking offshore for asset protection.

  • s c

    For many years, Uncle Scam has been telegraphing his punches. Due to a public education system that has dumbed-down generations of unsuspecting victims (and a never-ending supply of elected traitors who gladly sell their rumps and their souls), America has a gigantic inventory of space cadets (citizens) who refuse to think that Uncle Scam can do anything wrong (legally or morally).
    If you understand what happened to “Social Security,” you should be scrambling for ways to protect what little you may have left. If you don’t know what happened to “Social Security,” don’t worry. Uncle Scam will protect your dumb ass and tuck you in bed at night (HA!).
    Ask around, folks. Look at what happened to unions and their “sacred” pension funds. If European governments are drooling at the thought of “tapping” into pensions there, it’s just a matter of time until our brazen, Washington Hitlers come to the same conclusion.
    People, either stand up straight and do what you have to do to survive, OR bend over and smile. It’s your ‘choice’ – for now. It’s SO nice to have a choice (right?) as long as YOU get to define what a choice is – instead of those miserable bastards in Washington. THINK! Act like a human while you can.

    • Karen

      So true, my husbands retirement account, at a company with a union, decided to freeze their retirement, added it into the unions contract and set a percentage multiplier. So, now people in the union without much in their retirement accounts, or $0 amount invested will get to vote on this multiplier which means nothing to them. So, it will probably go down to nothing. Plus all union dues go to candidates of the Democratic party, even though many union members are not Democrats. So we are screwed any way we go. If the current administration continues I am sure it will take these retirement accounts as their own.

  • LiarsMustBeDefeated

    Since they have everything under their control they can do with us whatever they want, including starving us to death, or worse. Our savings are worthless. The safety net is worthless. Our food is poisoned. We are nothing but cattle, or slaves. I seems like we just about ready for a new revolutionary war. No wonder they are scared.

    • geller

      You need a little truth if you can stand it. The Bush crime family is the one who broke our government.

  • jopa

    I noticed how you said some in and around the Obama administration.Why is it so hard to face the facts and say the repulicans want to privatize social security.That would be trillion dollar windfall for wall street and the public would be screwed.Then you go on to say the stock market is about where it was ten years ago but didn’t mention it is 4000 points higher than when GW left offic two years ago.Then you go on to say we have policies in place that cause our current economic conditions, and that is not enough regulation in place to stop the corruption.It seems like you want it both ways and are now advocating more offshore investments.Sounds Un-American.

    • http://www.boblivingstonletter.com/ Bob Livingston

      Dear jopa,

      Yes, Some Republicans want to privatize Social Security which will have the same effect of artificially propping up the stock market as the past policies that created IRAs and 401(k)s. However, the discussions of that that I have seen so far have given people the option of keeping their money in the failed and bankrupt Social Security System or investing in the stock market. The Obama administration is actively pursuing a policy of TAKING the investments of people–without their consent–for use by the government under the guise of creating a “public option” style government pension. If government has failed us with the Social Security system, what gives you the confidence they will do better with another pension plan?

      This article was dealing with how to protect your assets based on the present climate, in which European nations are currently TAKING the investments of its citizens, and in which the current administration is working behind the scenes to TAKE the investments of U.S. citizens.

      You have been here long enough to know that I give no quarter to either Republicans or Democrats when it comes to criticizing their tyrannical policies. You remain lost in the Left/Right paradigm. Until you are willing to divest yourself of that thought process you will remain lost.

      Best wishes,
      Bob

      P.S. You could also say that the market is more than 2,000 points below where it was at its height under the Bush administration. However, the fact remains that, despite ups and downs, the stock market has been stagnant for more than 10 years. When you add in inflation, most IRAs and 401(k)s have lost money for 10 years, so if you have been in the workforce for 10 years or more and have been putting away money, government policies have hindered your ability to grow your investment.

      • Bob

        Dear Bob,

        Please explain the difference between Offshore Life Insurance and Offshore Annuity policies. Thank you for your time and expertise.

        Sincerely,

        Bob

      • eyeswideopen

        Mr. Livingston, when did Social Security go bankrupt?? Haven’t heard that it has failed. Why not fix the system instead of killing it? You have declared that it has failed when it hasn’t of yet. If it had been privitized, during our last crisis, millions would be starving/dying. The elderly in this country are who have given us the standard of living that even you enjoy, so why penalize them and put them at risk?

  • http://charden@neo.rr.com Charles

    ITs a shame what has happened to America.Just look who this President has surounded himself with
    Chuck

  • http://charden@neo.rr.com Charles

    What a shame what has happened to America.We are bout to become a Marxist country I hope its not to late.

  • http://personallibertydigest Sherry

    Our wonderful prez. already has it in the works to confiscate “the Peoples’” 401(k) and IRA. It’s headed by a woman named Teresa
    Ghilarducci. The March 9, 2010 edition of Business Week notes that new federal regulations designed to “promote the conversion of 401(k) savings and IRAs into annuities or other steady payment streams” would help drive cash into government-controlled entities such as American International Group (AIG), which we, Taxpayers bailed out to the tune of $182.3 Billion. AIG, in turn, will almost certainly follw its benefactor’s desire to direct any private retirement monies it receives into “safe” government-approved investments – especially U.S. Treasury bonds, which are becoming harder and harder to sell to skeptical buyers.

  • Dave

    And what happens if the insurance company becomes insolvent?

    Anyone remember AIG?

    What about currency controls?

    Getting money offshore is a good idea but the problem, as I see it, is that the whole banking system is ready to implode. These are very strange times we are living in and who has a crystal ball that can see the future. The US economies chief export is inflation right now. I cannot see any currency in common circulation today existing a decade from now. The worst ones are the Euro, US dollar, Chinese yaun and Japanes yen. That covers about 75% of the wealth in circulation today.

    • eddie47d

      Foreign governments can be corrupt also and who’s to say these insurance plans won’t fall into the hands of an off shore ponzi scheme? Will these companies put your money to good use or build themselves bigger mansions or pad their own bank account. If you die how easy is it for your loved ones to get this money out. It could be as simple as a wire transfer or could cost thousands in fees and travel expenses. Will your loved ones be paid in American dollars or in currency of the host country?

    • geller

      oh! The poor insurance companies. Wouldn’t it be a shame if they had to live like real people. They received a million dollars for christmas, I received a ten pound ham. Cry me a river!

      • Dave

        Geller,

        Where in my post do I show sympathy for insurance companies? I was pointing out they are not “rock solid” and do default.

        • eyeswideopen

          Dave, excellent point. This country is insurance poor. Just rec’d my homeowners increase… up 38% had no hurricanes in 7 years and they are claiming they are going broke. My health insurance up last month by 23%. Luckily my car insurance only increased by 10%.

  • http://charden@neo.rr.com Charles

    Obamas friends> Van Jones > Jeff Jones > Bill Ayers > John Pedesta >
    > Andy Stern > Rev Wright > Valerie Jared > Sestein >
    > Acorn > Anita Dunn and her lawyer husband > The one
    and only and probley the most important George Soros <
    This is just a few, their are more, a lot more.You the
    reader check these names out, find out about these
    people and what play they have to Obama.Form your own
    opinion and see where this takes you.
    Chuck

  • http://charden@neo.rr.com Charles

    Sherry,
    That is not the only thing Obama plans to confiscate Found
    stuck in his 2,000 page health care bill is a bill to confiscate
    our privetly owned gold.> gold bars,gold coins etc.What is Obama,a
    Socialist,Marxist, or God only knows? > CHECK IT OUT <
    Chuck

    • Ron

      He was sent here to take America down from the Heart.

      • eyeswideopen

        Ron, why would he want to take down America? What would he gain?

        • Karen

          Possibly, WORLD leadership

  • http://charden@neo.rr.com Charles

    Hey Dave, you are right.Get a trunk or chest and bury it like the
    Pirates did. It probley would be a lot safer.
    Chuck

  • Barry

    Bob, what you say about life insurance is what true, hoewever I think you need to know that there are some errors. It is true that the federal government does not provide protection for life insurance, the states do. All 50 states have an insurance commissioner. These commissioners form an association that establishes rules for the administration and protection of life insurance policies. If a life insurance company goes bankrupt or out of business the states take over the responibility of administering the policies, the death benefit, main purpose for life insurance in most cases, is guaranteed by the state. The state may then sell the defaulted company to another life insurer. It has been well over 120 years since someone has lost their life insurance coverage due to a default.

    It is also possible to invest in foreign securities in a domestic life insurance policy by using a Variable Universal life policy which uses sub-accounts, similar to mutual funds, as insvetments in the policy. The insured has the opportunity to be as agressive or conservative as they like and may change their investments at will or as permited by the policy. Because these are considered securities they are partially under federal scrutiny, SEC, FINRA, etc. But the insurance itself is under the states.

    Life Insurance agents in the U.S. are licensed by the states. Agents must conform to continuing education requirements and other laws and restrictions as dictated by each state. An agent selling variable products is also subject to the federal regulations.

    NAIFA is an association of financial professionals committed to protecting the integrety of the insurance business and the professionals that sell life insurance. They have worked diligantly over the years to keep the cash values of life insurance and annuities from being taxed.

    It is very important that before moving your insurance policies to an off shore insurer that you know what kind of protection you have in case of a default, what kind of standards are the agents held to and how does the foreign country look at the taxation of death benefits paid to the beneficiaries. Also how will it effect the way the U.S. looks at this asset in relation to federal and state death, estate and inheritance taxes.

    People considering your advice need to be fully informed and should deal with a professional insurance agent who is well versed in these types of transactions. It is also important that the agent be accessible NOT some faceless entity on the Internet. Clients need to have someone to trust, and ask questions of and who will stand up for their interest and not just a commission check.

  • PAWCH

    Hi Bob,
    Up until 1/1/11 I think your offshore life insurance suggestion was a good one.
    However, HIRE approved by Congress on 3/10/10 seems to have eliminated this loophole beginning 2011 tax year.
    http://sovereign-investor.com/2010/10/29/what-you-need-to-know-about-offshore-reporting-requirements-in-2011/
    Congress is slowly but steadily eliminating the offshore escape routes.
    Look up HEART passed in 2008 to see how unpalatable expatriation (renunciation of US citizenship) has become.

  • Emily

    What we all need to be aware of with the government is that they are doing everything they can to make up for their poor money management skills and to get money even retroactively. For instance, they have audited 100% more people during these very bad times when people are already losing their homes, don’t have jobs, etc. How ridiculous–it is how the gov can take over your land and everything else. For instance, look at the situation of the woman in northern California who is being taxed on the ranch her grandparents left for her because the gov wants taxes based on appraisals of nearby ranches that are used for grape vineyards. If she doesn’t pay 2M in taxes or monthly payments of almost $200K, she will have to give the gov. her land. And from my own experience–we were audited for 2006 and 2007 and it was to not allow our expenses–once we revealed our bank info and tried to get the expenses allowed, they then added up our income which was spread out to different bank accounts, but all was same money to begin with, then accused us of having four times the income (unreported). Once we proved we had no unreported income, they went back to square one and disallowed expenses. You cannot win with gov. We were self-employed—had lots of expenses. They can do whatever they wish and even in appeals (a joke) you end up owing more just because you appealed it and they are so backed up it takes two years. I’m disgusted as hell and sick and tired of them. We need to get rid of all gov employees and have a fair tax–pure and simple. Pray for this country that we get these crooks out of our government and decent people are treated fairly again.

    • Dan az

      Emily
      Not a fair tax but a flat tax!There is allot of difference between the two check this site out.
      http://mises.org/daily/1814

      • Bob

        The flat tax idea does not get rid of the irs. Ronald Reagan got the tax code down to 2 brackets of 15% and 28%. That lasted for a couple years and then the rates climbed back up and will go higher. The Mises group has a bias against the Fairtax but cannot show any reason not to have it. They claim fraud but can’t back it up. They are not credible. The Fairtax is by far the best way to go.

        The bottom line is we MUST CUT GOVERNMENT SPENDING!!!!!!!!!!!!!!!

  • UnpopedKernals

    Let me hold a dollar Bob. A silver dollar.

  • jopa

    Dear Bob Livingston:You are exactly right about the artificially propped up stock market and the facebook story of today is a prime example.I made out fairly good in the market but the way things are going today I would’nt take too much of a chance on it.The only stock I own today is in the blue chip company I worked for and it’s the only red on my portfolio.I am required to hold x amount of shares to remain an active stockholder.There is just too much speculation and no actual value to so many companies today especially dot com companies.

  • http://www.facebook.com/lescoleman Les Coleman

    There is just one fly in your cream dream of dodging the U.S.taxman. You are an American. All Americans must report ALL income worldwide, no matter where, or how, they earned it. The USA is the only nation that requires it’s citizens to report ALL income to the IRS. Best move is to do what off-shore pros do, 2nd Citizenship, 2nd Passport—from a nice low key 3rd world country that will gladly sell you the right to be one of them. The key is: live in one country, bank in another, and generate income from a third. http://www.escapeartist.com

  • BOB SEIDLITZ

    Slapshotpuck 4-5-12
    Bob livingston . Your followong attacks AIG as an insurance company the went under , almost, from their INVESTMENT divisions gambling on derivitives. AIG insurance policies were the guarantors of last resort of the SWAPS coverage used by Wall Street to comply with the Barney Frank/ Chris Dodd /Teddy Kennedy demands for the buying of faulty mortgages that they badgered the banks into make to the poor as a right. Then Barney and company insisted that those banks replace all capital loaned at once ,since there were no marlkets for those mortgages. The banks could not replace those dollars and held worthless paper due to compliance demands, so the feds took over under saving the system with TAARP funds. AIG never was in trouble because they also insure most government employees such as Congress and the Senate. AIG has a specific stop loss Reinsurance contract with the feds, so it has a clear shot at having little losses considering the manageble risk. Fanny and Freddy are a total fraud as part of the scheme to bring down capitalism and our great American exceptualism generating freedom and individuale wealth. AIG could have easily been forced to collect ownership of all mortgages under their loss subrogation rights and Congress could declare that those mortgages, at appraised replacement cost, were now replacement for guarranteed capital and surplus, thus supporting the insurance and mortgafge markets. What about the failures to pay? The AIG would own and rent the properties just like investor do today. No TAARP funds would be required since all of this is just a paper swap transaction that is reinsured by theFfeds anyway you slice it. Consider this, That if the Feds wanted to seize capital to help the poor and level the playing fields for the have not, and have less, the TAARP capital would have gone directly to those folks, not the bail out recipients . That capital would have circulated five to seven times in the local communities and wealth would increase exponentially.Instead that was never a consideration and no money has circulated out of the TAARP system since banks holding those funds invested in US treasuries and no borrowers can comply with new lending restrictions. We now have a enormous poverty building instead of wealth building as the Global scheme instead of the American Dream.I do not pander for insurance, but to denigrate its value without understanding its controlled function in finance is to be totally naiive. LLoyds of London was created because they knew that Value.It is too bad that the union members cannot catch on that they must own their personal wealth and votes to gain any retirement. Many companies employees today are buying into the equity ownership E.S.O.P offers by their employers, no unions needed for principle investors. The insuring public should own controlling shares in AIG for safety and a measurable and transparent vote as principles.Would that ever change the equasion.No i do not own it either, nor do i represent that entity This is simply an example of education meeting oportunity for the policholders concerned. Consider buying equity in your own insurance carrier? American free enterprise. We are not lost yet.

  • http://gillysrooms.blogspot.com Gillysrooms from Australia

    Think of Australia then.

  • Matthew

    Some very insightful comments posted here! All of you obviously think for yourselves,instead of being “sheepeople”.

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