International Estate Planning

Given the worldwide reach of U.S. taxation, wealthy individuals who are contemplating a move to the U.S. should seek the appropriate financial advice to devise a pre-immigration plan that can minimize their tax exposure in the U.S. Nevertheless, creating such a plan is no simple undertaking. This type of financial strategy requires in-depth knowledge of a myriad of domestic and international laws.

At ARI Financial, we employ the utmost care to ensure that our strategies are optimized for our clients. Premium Financed Whole Life insurance is well suited for the global citizen who has property, business interests or other financial interests and assets in the United States—whether the individual is a resident alien, lawful permanent resident, nonresident alien or foreign national. Our advanced insurance solutions help those looking to protect their assets from U.S. estate and gift taxes.

Our strategists are highly knowledgeable on the intricacies of foreign national cases, and will work closely with foreign clients to ensure their United States situs assets are protected. We do so, by undergoing a uniquely-tailored underwriting process with each foreign national client. We also continue to monitor the policy to manage the policy to manage the ever-influx international law. ARI Financial strategies can be powerful financial devices for those with ties to the United States who are looking to optimize their wealth and protect their livelihood.

Non-resident aliens (NRAs) who anticipate immigrating to the U.S. on a temporary or permanent basis (an Immigrating NRA) can significantly save on U.S. income and transfer taxes with proper planning. Premium Financed Whole Life Insurance is an advanced pre-immigration planning tool with an array of benefits for those who are considering immigrating or for those who have significant financial interests in the United States. For example, the guaranteed survivor benefit of Whole Life Insurance can provide immediate liquidity for foreign nationals’ heirs to pay United States estate tax, which typically must be paid within nine months. Through the use of leverage, this type of permanent, increasing coverage can be acquired with minimal out-of-pocket expense.

Advantages:

  • Protect U.S. Situs Assets
  • Dividends and Growth in Cash Value can be distributed tax-free
  • Estate Planning
  • Retirement Income
  • Business and Corporate Purposes
  • Creditor Protected
  • Leverage

Our strategists are highly knowledgeable
on the intricacies of foreign national cases,
and will work closely with foreign clients
to ensure their United States situs
assets are protected.