Assets over
1 million


Estate Planning Using Income Tax-free Life Insurance 

Best Strategies Utilizing Life Insurance


When creating your estate plan, please recognize the benefits of utilizing tax-free life insurance.  A single premium life insurance policy is often used to enhance the transfer value of your estate.

Do you have assets such as CD's, money markets, annuities or cash that is not needed for everyday living? Do you plan to pass these assets on to loved ones? If yes, you may be a perfect candidate for a single-premium life insurance policy or an indexed universal life policy.

These wealth-transfer plans for seniors up to age 85 allow you to maintain accessibility to benefits in the event of certain health conditions and immediately increase the value of your estate. Best of all, you can pass this "leave-behind-money" to your heirs income-tax free!

A traditional multi-pay, whole life insurance policy is another prudent option to transfer assets to your heirs without the bite of the tax man. How? By purchasing a whole life or universal life insurance policy you decrease assets from the taxable portion of your estate. Your heirs will inherit tax-free cash via a life insurance policy.  

Don't Walk into a Tax Trap

  • 1
    You pass on assets Income tax free. Why make children and grandchildren pay taxes when they don't need to?
  • 2
    Immediately increase the amount of inheritance to your heirs.
  • 3
    No stock market risk or volatility.
  • 4
    Loan and withdrawal features available.

Income Tax-free Wealth Transfer

Death Benefit for
$100,000
SINGLE PREMIUM*

Female

Age

Male

$197,478

65

$176,028

$175,327

70

$156,469

$154,698

75

$140,054

$138,754

80

$127,418

$123,486

85

$113,692

No medical exam or blood test; simple medical questionnaire.

Issue ages 50 - 85, with coverage to age 120.

*All rates non-tobacco as of June 1, 2016.

By depositing a $100,000 into a single premium life insurance policy, you will be purchasing a tax-free death benefit in the amount shown above.

The bottom line? You will be handing down a much higher tax-free inheritance than by leaving your $100,000 in a low-interest-bearing CD or Money Market account. That is the leverage benefit of tax-free life insurance.

Smart and profitable!

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