Really Confused About Life Ins.

First, there's ALREADY a "means test" for social security. It's called social security taxation and it is NOT adjusted for inflation. It's been in the law since 1993.

https://www.socialsecurity.gov/planners/taxes.html

https://www.ssa.gov/history/taxationofbenefits.html

Second, the only parts of social security that have ever been put into question is retirement benefits because of longevity and the sheer number of baby boomers.

But when we're talking about widows and children, that would take a higher priority over retirement benefits.

The best way to plan to maximize social security benefits... is to have assets that don't generate a 1099... and those assets are annuities and permanent life insurance.

Of course, you wouldn't really know much about that, so I'll stop right here so you don't get a headache.
 
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