Transform Your Life Insurance Policy into Protected Assets
That non-term life insurance policy you've been paying premiums on for years may be at risk from rising costs, Medicaid spend-down rules and nursing home expenses. Refi Trust offers a strategic solution to convert your existing life insurance into a protected asset that safeguards your financial legacy.
Why Your Life Insurance Policy Might Be At Risk
Many Wisconsin seniors don't realize their cash-value life insurance policies could be vulnerable:
- Rising Premium Costs: As you age, premium payments on non-term policies often increase substantially, straining retirement income
- Medicaid Countable Asset: Wisconsin Medicaid counts cash value above $1,500 as an available resource, requiring spend-down
- Forced Liquidation: Nursing home expenses may force you to surrender policies at reduced values
- Estate Recovery Exposure: After death, Medicaid may claim policy proceeds to recover care costs
The cash value you've accumulated—sometimes $10,000 to $100,000 or more—represents a significant asset that deserves protection. Without proper planning, this investment may be lost to long-term care costs or Medicaid spend-down requirements.
Strategic Asset Reallocation for Wisconsin Seniors
Effective asset protection requires understanding which of your assets are vulnerable and which can be protected through strategic restructuring:
| Vulnerable Assets in Wisconsin: | Protected Assets Categories |
 Cash and bank accounts over $2,000 ($3,000 for couples) |
Primary residence (up to $713,000 equity) |
| Investment Portfolios and retirement accounts (with limitations) |
Personal belongings and household goods |
| Secondary properties and rental real estate |
Irrevocable funeral trusts (up to $15,000 immediately) |
| Cash value life insurance (countable over $1,500) |
Specific annuities meeting Medicaid requirements |
| Vehicles beyond primary transportation |
Spousal resource allowances (up to $148,620) |
Our zero-fee asset protection consultation identifies your specific vulnerabilities and develops a customized reallocation strategy to shield your wealth while maintaining financial security.
The Refi Trust Life Insurance Conversion Process
Our streamlined, no-fee approach makes policy conversion simple and stress-free:
- Comprehensive Policy Review: • Professional analysis of your current policy's cash value
• Evaluation of premium obligations and future projections
• Assessment of potential Medicaid implications
• Identification of conversion opportunities - Strategic Conversion Planning: • Customized plan to maximize protection
• Documentation preparation for seamless transfer
• Coordination with insurance companies
• Alignment with other estate planning measures - Protected Asset Establishment: • Creation of an irrevocable funeral trust with insurance backing
• Immediate protection of up to $15,000 per person
• Extended protection of up to $100,000 over five years
• Complete exemption from Medicaid calculations - Ongoing Asset Security: • Zero maintenance fees or additional costs
• Guaranteed availability for funeral expenses
• Protected status against creditors and Medicaid
• Return of unused funds to your estate
Compare: Life Insurance vs. Funeral Trust Benefits
| Feature | Cash Value Life Insurance |  Funeral Trust |
| Medicaid Protection | Counted as an available asset | Fully exempt asset |
| Premium Payments | Ongoing, often increasing | Eliminated entirely |
| Asset Protection | Vulnerable to creditors | Protected from creditors |
| Estate Recovery | May be subject to claims | Protected from recovery |
| Tax Treatment | May have taxable components | Tax-advantaged structure |
| Funeral Expense Coverage | Depends on the beneficiary's decisions | Guaranteed availability |
| Estate Return | Subject to probate | Unused funds return to the estate |
| Service Fees | Annual policy fees | Zero service fees |
Ready to Secure Your Life Insurance Investment?
Don't let your years of premium payments go to waste. Contact Refi Trust today for a free, no-obligation consultation to learn how we can help transform your life insurance policy into a protected asset.
Secure Your Future Now Call 414-244-9444
Refi Trust is located at 1200 N Mayfair Rd, Wauwatosa, WI 53226. We specialize in life insurance conversion strategies and asset protection throughout Wisconsin.