1 / 15

Legacy Estate Maximizer A Family Wealth Protector and Asset Builder

Legacy Estate Maximizer does just that! . It maximizes the transfer of wealth to your heirsImmediate increase in the value of your estateBenefit is not subject to probate proceedingsDeath benefit paid to heirs is not subject to federal income taxes!Immediate access to your funds (cash values)Ac

rowena
Download Presentation

Legacy Estate Maximizer A Family Wealth Protector and Asset Builder

An Image/Link below is provided (as is) to download presentation Download Policy: Content on the Website is provided to you AS IS for your information and personal use and may not be sold / licensed / shared on other websites without getting consent from its author. Content is provided to you AS IS for your information and personal use only. Download presentation by click this link. While downloading, if for some reason you are not able to download a presentation, the publisher may have deleted the file from their server. During download, if you can't get a presentation, the file might be deleted by the publisher.

E N D

Presentation Transcript

    1. Legacy Estate Maximizer A Family Wealth Protector and Asset Builder Single Premium Whole Life Insurance Underwritten by Assurity Life Insurance Company

    2. Legacy Estate Maximizer does just that! It maximizes the transfer of wealth to your heirs Immediate increase in the value of your estate Benefit is not subject to probate proceedings Death benefit paid to heirs is not subject to federal income taxes! Immediate access to your funds (cash values) Accelerated benefits to pay confined care and home health care costs* * This benefit is not approved in all states.

    3. Legacy Estate Maximizer offers guarantees! Guaranteed death benefit Guaranteed cash values No market risks unlike stocks, bonds and mutual funds

    4. Legacy Estate Maximizer can be accessed for emergencies! Immediate access to your funds (cash values) through policy loans The option to accelerate policy funds to pay for confined care and home health care costs* The option to accelerate policy funds if you become terminally ill* *This benefit is not approved in all states.

    5. Accelerated Benefit Riders (included with the policy at no additional premium) Terminal Illness Confined Care Community Care/Home Health Care

    6. Terminal Illness (included with the policy-no additional premium) If you become terminally ill (having a disease that causes you to have a life expectancy of 12 months or less), you may request to accelerate a portion of the policy benefits.

    7. Confined Care (included with the policy-no additional premium) If you become confined to a nursing home facility-and are expected to stay in the facility indefinitely-you may request to accelerate a portion of your benefits. The accelerated benefit is up to 2% of the face amount of the policy, up to $5,000, payable monthly. The monthly benefit will continue to be paid for 60 months or until the policy has been reduced to $15,000, whichever comes first. * This benefit is not approved in all states.

    8. Community Care-Home Health Care (included with the policy-no additional premium) If you have been receiving community care (care or services provided by a practitioner in your home or an assisted living facility) for at least 90 days, you may request to accelerate a portion of your policy benefits. The accelerated benefit is 1% of the face amount of the policy, up to $3,000, payable monthly. The monthly benefit will continue to be paid for 60 months or until the policy has been reduced to $15,000, whichever comes first. Benefits are available after the policy has been in force for 90 days.* * This benefit is not approved in all states.

    9. Other Riders-Accidental Death Accidental Death Benefit-Common Carrier (Double Face Amount)* included with the policy-no additional premium Accidental Death Benefit Rider (Double Face Amount) Triple Face Amount with Common Carrier Benefit.* optional with an additional premium Accidental death means a death due to injuries occurring within 90 days after the date of an accident. * This benefit is not approved in all states.

    10. Legacy Estate Maximizer vs. Investment Instruments

    11. Policy Illustration Female, Age 70, Non-tobacco A single deposit of $100,000 immediately increases her estate to $155,839 or 56%

    12. Nursing Home @ 2% per month = $3,116.78 Payout for 45 months totaling $140,255 Remaining death benefit = $15,000 Community Care @ 1% per month = $1,558.39 Payout for 45 months totaling $93,503 Remaining death benefit = $62,336

    13. Legacy Maximizer vs. Taxable Instrument Deposit=$50,000, Female, Age 65, Interest Rate 3.5%, Tax Bracket 28%

    14. Who can apply for the Legacy Estate Maximizer? Issue Ages (0-85) Minimum $5,000 Face Amount Maximum $150,000 Net Amount at Risk (Face minus Premium equals NAR) Insurable (Simplified Underwriting)

    15. Who should not apply for the Legacy Estate Maximizer? AIDS/ARC Alzheimer’s Disease Congestive Heart Failure Cancer with metastasis to lymph nodes or organs Cirrhosis of the liver Each application is evaluated based on the health of the insured and the amount of insurance applied for. Underwriting would be pleased to respond to you on an individual basis.

    16. The Legacy Estate Maximizer! Gives the policyholder control Offers you “Peace of Mind” Guaranteed values-no market risks Federal Income tax free benefits to your heirs!

More Related