Historical Compound Return**

Over a span of 17 months, the Dow Jones Industrial Average (DJIA) had dropped 54% from a peak of 14,164.


- George Santayana

Insured Retirement Contract™ Process:

People had forgotten phrases like "Safety", "Security", and "Guarantees", and "Quality".  Forgotten the facts that these guaranteed private contracts were backed by companies in an industry with an unparalleled history.  Companies that had been around for over 100 years and some for over 300 years.  With clients like Sir Isaac Newton, Babe Ruth, Walt Disney, Ray Kroc, and Senator John McCain.  Companies which have stood the test of time through World Wars, recessions, and depressions.

(NASDAQ Index shown)

On Monday, October 19, 1987 the Dow Jones Industrial Average (DJIA) dropped by 508 points to 1738.74 (22.61%).

This generation wanted guarantees and safety with their savings.  In 1929 after the insolvency of over 10,000 banks, fifty cents of every dollar saved was invested into "guaranteed contracts" according to the expose' "Pirates of Manhattan".  Why?  Because these contracts didn't lose money in the crash of 1929, or when the market fell by 89% in 1939 or again in 1973 when the market fell by 45% or by over 40% in 2008 and again in 2011.


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Insured Retirement Contract™ BENEFITS:

1987 Stock Market Crash - "Black Monday"

Wisdom learned over time had been forgotten by most people.

The "Greatest Generation" after falling in love with the market, took a more cautious approach to their money.  So for decades they saved their money SAFELY and SECURELY and they were not going to gamble it again.

1.  The individual acquires an Insured Retirement Contract™ from a highly rated company and funds it over a 5, 7, or 10 year period.  You also have the opportunity to pay a lump-sum amount that will be funded by the issuing company on your behalf during the same periods.  While the lump-sum money is dollar cost averaged into the contract, you earn an attractive yield that is guaranteed.

2.  At retirement, the contract owner takes Tax-Free Income through a combination of withdrawals and loans from the accumulated value.

3.  In the event of death, heirs will receive a Tax-Free Death Benefit that is higher than the accumulated value.

2008-2009 Stock Market Crash

In fact only 4% of the American population owned stocks in 1952.  And in 1980 that number was only 13% of the American population until in that same year the 401(k) was invented.  18 short years later over 52% of the American population was once again gambling their savings on Wall Street.

The 1929 Stock Market Crash started the 10-year "Great Depression".

Guaranteed private contracts are not Wall Street's darling, not sexy, but will be there come rain or shine.

  • Tax-Deferred Growth*
  • Tax-Free Income*
  • Tax-Free Death Benefit*
  • Principal protected from market loss
  • Contract issued by an "A-Rated" Company
  • Low costs/expenses (annual 30 year average less than 1%)
  • Creditor Protected (in select states, including Florida)

Started on Thursday, October 24, 1929 and by Tuesday, October 29, 1929 an estimated $30 billion in stock values "disappear".

Between January 11, 1973 and December 6, 1974 the Dow Jones Industrial Average (DJIA) lost 45.1% of its value.


1973-1974 Stock Market Crash

1929 Stock Market Crash - "Black Tuesday"

Dot-com Bubble Collapse - 1999-2001

History of Top Tax Rates: 1913-2013

History of the Dow Jones Industrial Average (DJIA)


Guarantees backed by the claims paying ability of the issuing insurance company.  *Approved by the IRS (26 U.S. Code § 7702.  Tax Treatment does not constitute, tax, legal, or accounting advice and neither Northstar Brokerage of Palm Beach LLC. nor its agents are permitted to give tax, legal, or accounting advice.  Please consult your own legal or tax counsel to confirm how tax treatment applies to you.  **Past historical performance results may not be indicative of future performance.

Insured Retirement Contract