07:30 – 19:00

Monday to Friday

4714 FM 1488

Suite 110 Conroe,

Welcome to Risiko, we have over 20 years of expertise.

    October 16, 2021

07:30 – 19:00

Monday to Friday

4714 FM 1488

Suite 110 Conroe,

Life Insurance

What Is Life Insurance?

Life insurance is a contract between an insurer and a policyholder. A life insurance policy guarantees the insurer pays a sum of money to named beneficiaries when the insured policyholder dies, in exchange for the premiums paid by the policyholder during their lifetime.

BENEFITS

Some of the benefits of having life insurance in the USA are:

  • More accessible life insurance
  • Method to generate and conserve equity in USD.
  • Endorsements at the state and federal level of the USA.
  • Tax-free death benefit.
  • Unattachable.
  • Access to investments in the US stock market.
  • They do not report to * FATCA.

* FATCA. Foreign Account Tax Compliance

GENERAL USES OF LIFE INSURANCE

PROTECT

TRADITIONAL USE

  • Patrimonial protection
  • Income replacement
  • Creation of inheritances
  • Equality in inheritance
  • Taxes (inheritance / estate)

FINANCE

EXCHANGE OF BUSINESS INTERESTS
Payment of Liabilities

  • Patrimonial protection
  • Income replacement
  • Creation of inheritances
  • Equality in inheritance
  • Taxes (inheritance / estate)

TRANSFER

NO NEED FORESEEN
DURING THE LIFE OF THE INSURED

  • Wealth Transfer Tool
  • Inter-generational
  • Life insurance as an “investment”

ACCMULATE OR HOLD

PERSONAL USE

  • Plans as a retirement supplement
  • Educational education plans
  • Personal savings
  • Compensation program

POSSIBILITIES

AN OWNER DIES BEFORE THE AGE OF 65 *

OWNERS Age of Associate Probability (%) of a death
Single Associate 30 years 18.1%
40 years 16.6%
Two Associates 30-30 years 32.9%
40-40 years 30.5%
50-50 years 25.9%
Three associates in a partnership 30-30-30 years 45%
40-40-40 years 42%
50-50-50 years 36.2%


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