So far in this book, we've discussed the wealth threats we all face, the different international solutions, and the various ends to which you can use an offshore variable annuity and other similar policies, such as the variable universal life policy (VUL) or the more controversial frozen cash value policy (FCV).

Now that you have a solid grasp of how these policies work, it's important to understand the role that the jurisdiction in which your policy is created plays in the overall picture. This is the second most important decision you will need to make after you decide how a policy could work for your wealth needs.

This is where the rubber meets the road—it is where the possibilities become a reality. And the country you choose does make a difference when it comes to many aspects of the insurance policy. Much like any legal contract, the laws governing that contract are what can make or break its effectiveness. You can liken it to the difference in taste and overall experience between eating a steak at a roadside truck stop compared to a filet mignon from Smith & Wollensky's or New York Prime. Given the importance of these policies to your overall financial future, you shouldn't spare any expense in investment such as this one. Don't be impressed with some new, modern-sounding alternative that might seem to offer some kind of shortcut (lower costs, greater profits, etc.). Keeping ...

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