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Even with a lower tax rate (if you go back and actually read the math) your client would have to have a joint retirement income lower than $16k/year for the 401k to be more advantageous... And thats even using a 15% fed and your 2% state rates! Do you have many clients who plan to only live on 16k per year??? I hope not!!
What tax tables are you reading?
If you can't even understand a simple tax table, how can I expect that you understand something as complex as permanent insurance?
If you can't be honest about something as easily provable as a tax table, how do you expect me to believe what you say about a complex insurance product?
Married couples can have $67,900 of TAXABLE income (which is signifcant less than their total income) and only pay 15% income tax.
Where did you come up with $16,000 per year?
Again, if you can't even read a basic tax table, then how do you expect to be able to understand a complex insurance product?
How can you expect to be credible if you lie (or completely misunderstand) something as simple as a tax table?
I suspect that the problem is that you're not even looking at a real tax table. You're probably looking at some software that is used to sell permanent insurance.
When you base your conclusions on faulty information, your conclusions are going to be faulty as well.
Now, please start your diatribe all over again, but first go get a real tax table and read that.