FOR MANY AFFLUENT FAMILIES WHAT WAS ONCE ROUTINE HAS BECOME INCREASINGLY COMPLEX
Generates tax-deferred cash value growth during the insureds life and allows for tax free withdrawals up to the premium basis.
Life insurance proceeds are free from federal income taxation under most circumstances.
Please keep in mind loans and partial withdrawals may decrease the death benefit and cash value and may be subject to policy limitations and income tax.
Provides a source of cash for surviving family members to utilize for living expenses.
Provides a funding source for college education of children or grandchildren.
General cash to pay off an existing mortgage or other personal debt.
Provides funds to leave as an inheritance or to equalize inheritances among family members.
Creates liquidity to pay estate taxes rather than requiring liquidation of existing
estate assets.
Leverages the use of the annual gift tax exclusion, the lifetime exemption, and/or Generation Skipping Transfer Tax exemption.
We offer creative solutions to achieve your philanthropic goals while supporting your family’s long-term financial needs.
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