Premium Financing Strategies

Six Tax Traps for the Unwary Employer
(Employer-Owned Policies or Split Dollar Arrangements)

Roth IRA Conversion -- Yes or No

Buy Term and Invest the Difference?

Split Dollar in the 21st Century

Grantor Access to Funds in an Irrevocable Life Insurance Trust

Beneficiary's Trust (for beneficiaries who are husband and wife)

Charitable IRA vs. Stretch-Out IRA

The Pothole in Income Distribution Planning (2009)

Executive Trifecta® -- A Leap Forward in Key Executive Coverage (Basic and Advanced Variations)

The Cost of Waiting to Buy Life Insurance

Review an Index of Concept Library Articles

Attention
Life Insurance Companies . . .

Click here for the Press Release about the Strategic Alliance between InsMark and Life Products Solutions for the perfect low-cost marriage of Basic and Supplemental Illustrations.

Click here to review a report on what may be the Senate's likely compromise on estate tax repeal.

Taxes and Legislation

The American Jobs Creation Act of 2004 and Deferred Compensation Arrangements
Click here to review a report on The American Jobs Creation Act of 2004 as it relates to Deferred Compensation arrangements in general. Included are comments regarding InsMark’s Loan-Based Deferred Compensation System.

Loan and Loan Interest Options
for Loan-Based Split Dollar Arrangements
Click here for a comprehensive report on the new loan-based split dollar authorized as "loan regime" plans in the Final Split Dollar Regulations. The report includes an analysis and evaluation of the varying loan durations that are available (demand, short-term, medium-term, and long-term), Applicable Federal Rates, and whether interest-bearing or interest-free loans are best.

Securities Exchange Act and Loan-Based Split Dollar
• Click here for Section 11(d) of the Securities Exchange Act of 1934 (and how it may apply to variable universal life used with loan-based split dollar).

Profile of InsMark
Click here for a quick review of InsMark's entire product line.

Wealth Planning Leverage CD (featuring Wealthy and Wise)
Click here to view a demo of our multi-media Wealth Planning Leverage CD featuring charitable estate planning techniques that are virtually irresistible to your clients.

More New Products!

InsWord^® On The Net ("ION")
Click here for more information about InsWord On The Net ("ION") by InsMark -- the most comprehensive prospecting resource of its kind that is available on the Internet.

InsMark Loan-Based Split Dollar System
Taking advantage of the Section 7872 provisions of the Final Split Dollar Regulations, this new System illustrates plans cast between employers and favored executives (Loan-Based Split Dollar) and plans cast between private parties (Loan-Based Private Split Dollar) that are funded by loans. With the use of employer-sponsored and private equity split dollar ended, these new plans are the only realistic alternatives.
• Click here for a Brief Description of Each Plan
• Click here to Review Plan Features and Sample Illustrations

InsMark Loan-Based Deferred Compensation System
This dynamic System (technically not deferred compensation) illustrates the funding of loan-based split dollar with compensation adjustments. Any employed executive can use it except, due to the Sarbanes-Oxley Act, those employed by public corporations.
• Click here to review Plan Features and Sample Illustrations

Product News

Product Updates
We are distributing all of our product updates on our website. If you are still using a dial-up service, you may want to consider faster alternatives such as DSL, Cable or Satellite. Product Suite CDs will be available for a small charge.

Client Companies
Many insurance companies utilize InsMark's products and services.
• View them here . . .