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Look Before You LIRP: Why All Life Insurance Retirement Plans Are Not Created Equal, and How to Find the Right One for You, by David McKnight
Get Free Ebook Look Before You LIRP: Why All Life Insurance Retirement Plans Are Not Created Equal, and How to Find the Right One for You, by David McKnight
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About the Author
David McKnight graduated from Brigham Young University with Honors in 1997. Over the past 20 years David has helped put thousands of Americans on the road to the zero percent tax bracket. He has made frequent appearances on Bloomberg Radio, Investors Business Daily and numerous other national publications. Over 50,000 Americans from coast-to-coast have attended David’s live workshop presentations. His bestselling book The Power of Zero has sold over 135,000 copies and the updated and revised edition will be published by Penguin Random House in September of 2018. He currently resides in Grafton, Wisconsin with his wife Felice and their seven children. For bulk discounts, go to lookbeforeyourlirp.com. For more information, go to thepowerofzeropercent.com.
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Product details
Paperback: 102 pages
Publisher: CreateSpace Independent Publishing Platform (June 11, 2016)
Language: English
ISBN-10: 153294358X
ISBN-13: 978-1532943584
Product Dimensions:
6 x 0.2 x 9 inches
Shipping Weight: 5.6 ounces (View shipping rates and policies)
Average Customer Review:
4.8 out of 5 stars
99 customer reviews
Amazon Best Sellers Rank:
#20,253 in Books (See Top 100 in Books)
After reading The Power of Zero, I was very interested in more information on LIRPs, specifically to answer three questions: (1) Is there an upper age limit when starting a LIRP no longer makes sense? (2) How do premiums and coverage vary by the age at which you start a LIRP? (3) How much Long Term Care coverage is provided with a rider?I didn’t really get those answers.The best I can surmise is that the ideal candidate needs to overfund the premiums for at least 10 years, but have no idea how much a premium might be, and how it can vary by age. So I assume it’s recommended to start a LIRP by age 50 or earlier, with no distributions (loans) taken for at least 15 years. The only two examples provided for Long Term Care coverage were for 4 years only. Both examples used a death benefit of $400,000 x 2% = $8,000 per month, which implies 4 years (50 months) is the maximum length of time the coverage would provide, and that it’s always figured at 2%. Could you take 1% at $4,000 and get 8 years of coverage…..I don’t know. Do you have to continue proving (via doctor) that you continue to need LTC all those years…..I don’t know. The book has great details, tables and examples for everything else, but missed the mark on the reasons I bought it. A short book (84 pages) and easy to read.
This second book by David McKnight, "Look Before You LIRP," helps to demystify what to me is at once the best, and the most under-utilized tool available in retirement planning.I am like most financial advisors in that my introduction to retirement planning focused almost exclusively on stock market-based strategies. We were not taught to plan for the increasing risk that today’s retirees face of higher tax rates (in fact, potentially dramatic tax increases). The LIRP strategy was never on my radar … not in the finance classes, the licensing exams, and definitely not in the brokerage training. Based on solid, dependable insurance concepts, the LIRP is simply not widely understood in the securities industry.In his first book, "The Power of Zero," McKnight compellingly presented the case for addressing three risk areas that could upend a traditional retirement plan: market risk, higher taxation (what McKnight terms “legislative riskâ€), and higher healthcare costs, particularly for long term care. And now, in "Look Before You LIRP," McKnight takes us under the hood of the LIRP, describing in detail how to find the most suitable combination of features for an effective LIRP strategy.Written in an accessible, conversational style, this book can be easily understood by the client, and even the most seasoned professional will learn new things. I know I did.
Wow! Finally a readable book that explains how life insurance can be used in succession planning. And I understand it!!! After reading the book, I am more intelligent comparing products and making plans. I read other books, and my head was just spinning. I was ready to give up. But now, I know what we need to do. Finally. What a relief. Thank you David McKnight!
Good info provided in a simple way (disclosure: I'm a finance professional who does not deal with investments). No matter what your background is, you will not be setting up your own LIRP (or at least it's unlikely; if you do, you will not be reading my review). If you can't understand anything in the book, you are likely educated enough to write down what the book says and require answers from your broker
This book is a straight forward step-by-step lesson on how to properly evaluate and choose the correct type of life insurance policy as part of an overall tax-free retirement plan. Life insurance in general can be confusing and complicated to the point that most agents, even the best intention-ed ones, don't understand some of the important things to watch out for when recommending life insurance to their clients. This book is a must-read before you add a life insurance plan to your retirement plan.
David McKnight's book explains in clear, understandable language the benefits of a life insurance retirement plan. LIRP's provide safety as well as a productive way to save for a tax free retirement. However, not all LIRP's are the same. David points out the criteria for a good LIRP. This includes low fees, reasonable growth potential, guaranteed loan provisions, and provisions for long term care. David dispels the myths that have grown up around the LIRP which are largely based on misunderstandings by those with limited knowledge on how LIRP's really work. In short, David's book is an outstanding consumer guide for anyone considering purchasing an LIRP.
Definitely a good read and I like how short of a read it is. If you can put this into practice I think it's well worth it. it takes a lot of the complication out of retirement planning especially if you do not already have a plan in place.
"Look Before You LIRP" is the in-depth follow-up to "The Power of Zero" that every financial professional and/or eventual retiree needs to read! Whether you are younger and trying to figure out the best ways to save for retirement or already 65 and beginning your retirement, "Look Before You LIRP" will give you the step by step blueprint for choosing the plan best fitted for you. With David's easy-to-follow checklist, you will feel empowered to cut through the sea of financial information available in today's age and get right to the heart of what's important!
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