A NEW LOOK ON LIFE
• Immediate Protection - Life insurance
provides a death benet right from the
day the policy is issued.
• Liquidity Upon Death - A majority of
a person’s assets may be comprised of
illiquid assets such as real estate and
business ownership. Life insurance can
provide the funds to help pay for
nal expenses and estate taxes, right
when it is needed the most.
• Income Tax-Free Payment - The death
benet provides income tax-free
proceeds to the beneciaries¹. If the
ownership is structured properly, it may
also be free of estate taxes.
• Predictable Value - The policy can be
structured with a known death benet
amount unaffected by market values.
• Easily Divisible- Death benets can be
easily divided among several
beneciaries- generally without
• Tax-Deferred Growth - Any cash value
growth is tax-deferred.
• Income Tax-Free Distributions - Loans
taken against the cash value are not
subject to income tax provided the
policy is not a MEC, with NO pre-59 ½
IRS federal additional tax.²
• Leverage - Premiums paid for death
benet protection may provide a
reasonable rate of return through life
• Living Benets - A portion of the
policy death benet may be
accelerated to help offset
the costs associated with a chronic
illness or long term care, including a
stay in a nursing home.³
• No Funding Limits Based on Income -
There are no IRS limits to how much
you can contribute to a life insurance
policy as there are with some traditional
qualied retirement plans .