Trusts + IUL — The Generational Wealth Blueprint

🏛️ Build Wealth That Survives Generations

Old money families have used these tools for decades. Banks use them. Corporations use them. Now you can understand them too. This course combines two of the most powerful — and least understood — wealth preservation strategies: Trust Structures and Indexed Universal Life (IUL) Insurance.

What You'll Learn — Trusts:

• Why Trusts Beat Wills: Avoiding probate, maintaining privacy, incapacity protection
• Revocable vs. Irrevocable Trusts: Control vs. protection — understanding the tradeoff
• Family Dynasty Trusts: Keeping wealth in the family across multiple generations
• Funding Your Trust: How to move real estate, bank accounts, and business assets into the trust
• ILIT (Irrevocable Life Insurance Trust): Remove life insurance from your taxable estate

What You'll Learn — IUL:

• IUL Explained: Floor protection (0% minimum), index-linked growth, death benefit
• Overfunding Strategy: Maximize cash value accumulation with minimum death benefit design
• Policy Loans: Borrowing against your cash value tax-free to invest, buy real estate, or fund business
• The "Infinite Banking" Concept: Using IUL as your own private bank
• Critical Tax Rules: IRC 7702, the 7-pay test, MEC rules — what you MUST understand

The Combined Strategy:

• Name your trust as IUL beneficiary for seamless, tax-efficient wealth transfer
• The 4-Pillar Generational Wealth Framework
• Implementation Roadmap: Phase 1 (Foundation) → Phase 2 (Trust) → Phase 3 (IUL) → Phase 4 (Integration)
• Questions to ask an IUL specialist to protect yourself from bad advice

Presented by Rich Off Investments LLC | Marrero, Louisiana

richoffinvestmentsllc22@gmail.com | 504-358-4694

⚠️ IMPORTANT DISCLAIMER: This course is strictly for educational purposes only. It does not constitute legal, tax, financial, or insurance advice. Always consult with a licensed estate planning attorney, licensed insurance professional, and CPA before implementing any strategies discussed.