• Captive Insurance Companies
• Offshore Insurance Company for Tax Planning Purposes
• Using an offshore insurance company for insurance activities
• Offshore variable policy
• Creative Insurance Holding Vehicles

Captive Insurance Companies find reinsurance more easily on the part of a conventional reinsurer and can solve this problem for many firms. In comparison with costs of coverage provided by domestic insurers, the insurance premium rate at the international institution will probably be much lower.

There are also tax advantages resulting from the insurance at an international insurance institution, because the costs charged by an insurance company formed in this manner can be included into the tax base of the company. In other words this means that all insurance contracts and policies concluded, for which an insurance company logically requires remuneration, can reduce the tax base of the parent company of the investor in an invoiced volume.

An offshore insurance company helps the international insurance community in the field of tax planning and asset protection.

Modern estate planning is designed both to meet present known concerns and to provide the flexibility to adapt to future contingencies.  Regardless of the point in time, there will be needs for cash to meet financial requirements - taxes, debts, income replacement to name but a few.

Insurance as a financial product is in a unique position to meet this real life financial needs.  When using offshore insurance in offshore holding vehicles, this important financial product becomes an even more powerful planning tool.

• Recent developments in US tax law also allow limited liability companies to be easily treated as partnerships under the check-the-box rules. With some offshore jurisdictions providing special or heightened creditor protection for limited liability companies, the use of an LLC--which for US tax purposes, is treated as a partnership--becomes an outstanding insurance planning platform.
• While the life insurance trust has significant restraints and limitations, such as irrevocability, a limited liability company structure is a flexible arrangement and allows changes to be made in the future that were not contemplated when the policy of insurance was first acquired.
• As a further refinement, an insurance limited partnership or LLC can be utilized as part of a plan to be funded by monies set aside in an IRA. In this way, insurance may be acquired using pre-tax dollars.
• The important point to note is that insurance is not only a valuable financial product, but there are a number of legal entities that can be used offshore to serve as insurance policy-holding structures.

• The tax code specifically provides that the use of an independent investment advisor shall not be prohibited. This flexibility allows the independent advisor to have investments in both public-type investments as well as private-type investments. In other words, the investments are not required to be restricted to mutual funds offered by an insurance company.
• Additionally, offshore insurance policies offer a level of security not available domestically. The underlying insurance law provides that assets held in the segregated asset accounts of an insurance company will not be subject to the claims of the insurance company's creditors. Assets held in these segregated asset accounts can only be paid to the policy owner in the event of the liquidation of the insurance company.
• In the case of a domestic policy, the policy owner is an unsecured creditor of the insurance company and must therefore rely on the financial solvency of the insurance company in order to be assured of the policy benefit being paid off at death. This risk, which is significant, is avoidable in an insurance policy, which has been issued offshore under the right insurance law.
• Offshore Insurance policies provide a high level of asset protection for the assets held under the policy. Most states provide for some amount of protection for life insurance proceeds, but not fully. Some states, such as Florida, have laws, which may expose insurance policies to a lawsuit making them available to creditors.

• For tax purposes, where a partnership owns an insurance policy on a partner's life and receives the insurance proceeds upon that partner's death, it is not likely that the proceeds will be received as income to the partnership or any of the remaining partners. However, the basis of each partner's interest in the partnership will be increased as a result of that partnership's receipt of the insurance proceeds covering the deceased partner's life. These are extremely interesting tax attributes, particularly for obtaining flexibility in planning.
• While the life insurance trust has significant restraints and limitations, such as irrevocability, a limited liability company structure is a flexible arrangement and allows changes to be made in the future that were not contemplated when the policy of insurance was first acquired.
• As a further refinement, an insurance limited partnership or LLC can be utilized as part of a plan to be funded by monies set aside in an IRA. In this way, insurance may be acquired using pre-tax dollars.

Through its subsidiary, Southwest Financial Group, the Company has been actively involved in a matrix of specialized financial programs and services to its various markets for over two decades. In October of 1992, Chris Zaal Southwest Financial President / CEO formed Z&Z International Inc, combining two marketing groups soon there after – the first being Southwest Financial Group, and the second American Teacher Retirement Services. Both focusing on developing new books of business and satisfying the clients well being.

Southwest Financial Group is committed to provide its clients with assistance in exploring the available financial options and capitalize on the most viable, most profitable, and safest performance criteria. Southwest Financial Group’s growth and success is a function of the development and growth of its client base, as well as a derivative of the success of and the retention of their existing clients.

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