Buy in-force life policies at a discount to face — collect death benefit.
Purchase existing life insurance policies from seniors (65+, often with health impairments) at 15–40% of face value; continue paying premiums; collect full death benefit at maturity. Non-correlated returns of 8–14% IRR historically. Access via specialized funds (accredited/QP only) or direct policy purchases. Actuarial risk, mortality-tracking service, and secondary-market liquidity are key.
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Borrow against cash-value life insurance at guaranteed rates.
Deduct 60–80% of working-interest investment in year 1.
Insure your own business risks — premiums are deductible.
Hedge funds + alternative assets inside a tax-free wrapper.
Sell appreciated assets tax-free + get lifetime income + charitable deduction.
Deduct now at FMV, grant to charity later — skip cap gains.
Lock in the $13.6M estate exemption before 2026 sunset.
Transfer appreciation to heirs with near-zero gift tax.