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Insurance 101

IRS code 72 (e) states that money in life insurance will grow tax free, Section 101 (a) will pay out death benefit tax free, Section 7702A explains how to access the value in a life insurance contract tax free by following the "seven pay test".

3 IRS codes that affects life insurance contracts:

TEFRA 1982
DEFRA 1984 - Guideline Premium Test
TAMRA 1988

Check them here.

Disclaimer:
As of November 2012, the Floor rate for WRL Financial Foundation IUL Global Index Account is .75% and the Cap is 13.50%. S&P 500 Index Account Floor is .75% and the Cap is 12.25%. Basic Interest Account Floor is 2.00% Fixed. Subject to change. Please check WRLFFIUL website for the most up to date rates. Contact me for more information.

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Go Financial San Diego is not affiliated with nor endorsed by World Financial Group (WFG), Elite Realty Services (ERS), Financial Education Services (FES), United Credit Education Services (UCES), American Workers Insurance Services (AWIS), American International Group (AIG), Missed Fortune Radio, National Life Group (NLG), WealthSmart America (WSA) and their affiliates. This website is for your general information only. All tax questions should be consulted with your professional tax advisor. All investments and financial planning should be consulted with your professional financial advisor.

All associates of WFG, ERS, FES, AWIS, AIG, UCES, and WSA are independent contractors, regardless of field title/designation. Many people have experienced various levels of success with WFG, ERS, FES, AWIS, AIG, NLG, UCES, and WSA. However, individual experiences may vary. This statement is not intended to nor does it represent that any current individual's results are representative of what all participants achieve when following the WFG, ERS, FES, AWIS, AIG, NLG, UCES, and WSA system. All contests, awards and related promotional criteria, events and designations are offered by or through WFG and/or World Group Securities, Inc. (WGS), ERS, FES, UCES, AIG, NLG, WSA, and AWIS . In order to qualify, an individual must be a member in good standing or in Active status of WFG, WGS, ERS, FES, AWIS, AIG, NLG, WSA, and UCES , if applicable.

World Financial Group, Inc. (WFG or World Financial Group) is an independent marketing company whose affiliates offer life insurance and a broad array of financial products and services. Securities are offered through World Group Securities, Inc. (WGS or World Group Securities), Member FINRA/SIPC (http://www.finra.org). Insurance products are offered through World Financial Group Insurance Agency, Inc. (WFGIA) WFG , WGS , WFGIA are affiliated companies. Headquarters: 11315 Johns Creek Parkway, Johns Creek, GA 30097-1517, PO Box 100035, Duluth, GA 30096-9403. Phone: 770.453.9300. WorldFinancialGroup.com

Wealth Teck, LLC are financial advisors for National Life Group, Life of the Southwest, and American General.

Other carriers are North American Company, Equitrust, Government Personnel Mutual, LifeShield National, Minnesota Life, Mutual of Omaha, and Transamerica.

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