Life insurance, in particular Survivorship life insurance, is a very common and powerful tool we use with affluent families in order to accomplish the following key objectives:

  • Leverage annual gift exclusions on a tax free basis for their children and/or grandchildren.
  • Provide tax free pool of funds to pay future estate tax liability.
  • Protect core capital and ensure an inheritance outside of their taxable investment accounts.

Due to the tax free treatment life insurance proceeds, the predictable stream of future cash flows offer the same comfort as a fixed income instrument with a potentially more attractive yield than a traditional fixed income investment.

Download a one page copy or powerpoint presentation of this concept:
Playing Offense with Life Insurance – Flyer
Playing Offense with Life Insurance – Powerpoint