Cash Value Cost of Ignoring Life Insurance (Roth IRA vs. IUL)
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1 Cash Cost of Ignoring Life Insurance ( vs. IUL) For: Erin Coppola Presented By: [Licensed user's name appears here]
2 vs. Indexed Universal Life Preface A decision to acquire additional life insurance can represent one of several significant phases in your overall financial planning. An important part of this decision involves the comparison of the life insurance policy to alternative investment possibilities. To help you make an informed decision about acquiring the policy, the accompanying presentation shows financial data regarding life insurance compared to a. The study offers information from which you and your advisers can draw informed conclusions about the suitability of either plan. Following are major features of the life insurance policy for you to consider as part of your overall assessment: 1. Accumulating cash values; 2. tax deferred growth of cash values; 3. Competitive current interest rate; 4. Tax free access to cash values via policy loans; 5. tax free death benefits; 6. Probate free death benefits; 7. Privacy of all transactions; 8. Advance of death benefits in certain adverse health circumstances -- as defined in the policy contract. Favorable income tax consequences combine with significant policy values and benefits to produce a life insurance solution that has a considerable amount of financial leverage. $6.4M Cumulative Payments Cumulative Payments $6.4M Cumulative Cash Flow 4.8M 4.8M 3.2M 1.6M $24, Yrs M 1.6M Yrs $1,888,17 $1,888,159 $6.4M 4.8M s $6.4M 4.8M Cash $5,496,23 3.2M 3.2M 1.6M 1.6M $ Yrs Yrs This graphic assumes the non-guaranteed values shown continue in all years. This is not likely, and actual results may be more or less favorable. Page 1 of 7
3 vs. Indexed Universal Life Comparison Yield Tax Rate 28.% Payment 5,5 73,78 Indexed Universal Life Year Female Age (1) Annual Deposit to the (2) Cash Flow from the (3) Investment (4) (5) Premium (6) Loan Proceeds (7) Accum (8) Cash (9) Death Benefit 1 3 5, ,826 5,5 3,84 73, , ,998 5,5 7,963 73, ,5 1,225 18,535 5,5 12,39 73, ,5 1,682 25,461 5,5 17,139 3,935 73, ,5 2,167 32,797 5,5 22,235 9,133 73, ,5 2,681 4,568 5,5 27,7 14,71 73, ,5 3,225 48,799 5,5 33,561 23,163 73, ,5 3,81 57,519 5,5 39,851 32,55 73, ,5 4,411 66,757 5,5 46,66 41,411 73, ,5 5,58 76,541 5,5 53,86 51,266 73, ,5 5,743 86,96 5,5 63,428 63,428 73, ,5 6,468 97,886 5,5 73,751 73,751 73, ,5 7,237 19,517 5,5 84,884 84,884 73, ,5 8,51 121,837 5,5 96,89 96,89 73, ,5 8, ,888 5,5 19,828 19,828 73, ,5 9, ,713 5,5 123, ,766 73, ,5 1, ,358 5,5 138, ,792 73, ,5 11,82 178,872 5,5 154, ,982 73, ,5 12,96 195,35 5,5 172, ,425 73, ,5 14,56 212,713 5,5 191, ,216 73, ,5 15, ,212 6,5 212, ,479 73, ,5 16,71 252,868 6,5 235, ,398 73, ,5 18, ,748 6,5 26,14 26,14 73, ,5 19, ,926 6,5 286, ,742 73, ,5 21,31 322,479 6,5 315, ,466 73, ,5 23,29 348,487 6,5 346, ,441 73, ,5 24, ,38 6,5 379, ,873 73, ,5 26,778 45,222 6,5 415, ,981 73, ,5 28, ,137 6,5 454, ,995 73, ,5 3, ,886 6,5 497, ,174 73,78 175, 175, Management fees reflected in column (4): 1.% *This illustration assumes the nonguaranteed values shown continue in all years. This is not likely, and actual results may be more or less favorable. This illustration is not valid unless accompanied by a basic illustration from the issuing life insurance company. 3 Year Summary Payments 175, 175, Cash Flow Living s 468, , ,886 73,78 Page 2 of 7
4 vs. Indexed Universal Life Comparison Yield Tax Rate 28.% Payment 5,5 73,78 Indexed Universal Life Year Female Age (1) Annual Deposit to the (2) Cash Flow from the (3) Investment (4) (5) Premium (6) Loan Proceeds (7) Accum (8) Cash (9) Death Benefit ,5 33,277 53,576 6,5 542,86 542,86 73, ,5 35,75 54,324 6,5 592, , , ,5 38, ,25 6,5 645, , , ,5 41,3 62,485 6,5 73,334 73, , ,5 43, ,165 6,5 765, , , ,5 46,947 71,436 6,5 832, , , ,5 5, ,45 6,5 95,189 95,189 1,77, ,5 53, ,371 6,5 983,33 983,33 1,16, ,5 57, ,371 6,5 1,67,529 1,67,529 1,249, ,5 61,11 924,632 6,5 1,158,342 1,158,342 1,343, ,939 6, ,791 62,939 1,248,99 1,182,823 1,37, ,939 59,49 9,249 62,939 1,345,945 1,21,469 1,385, ,939 58, ,962 62,939 1,449,974 1,241,638 1,41, ,939 57, ,888 62,939 1,561,571 1,276,732 1,417, ,939 56, ,979 62,939 1,681,377 1,316,21 1,433, ,939 55, ,185 62,939 1,81,18 1,36,597 1,451, ,939 54, ,456 62,939 1,947,923 1,49,851 1,57, ,939 53,376 87,734 62,939 2,95,448 1,464,386 1,569, ,939 52, ,961 62,939 2,253,338 1,524,637 1,637, ,939 5, ,75 62,939 2,422,293 1,591,71 1,712, ,939 49,43 748,1 62,939 2,63,46 1,664,177 1,794, ,939 47, ,696 62,939 2,796,211 1,744,312 1,884, ,939 46,393 72,59 62,939 3,2,527 1,831,948 1,982, ,939 44, ,19 62,939 3,222,754 1,927,56 2,88, ,939 42,986 65,495 62,939 3,457,658 2,31,618 2,24, ,939 41, ,398 62,939 3,77,996 2,144,568 2,329, ,939 39, ,635 62,939 3,974,759 2,267,74 2,465, ,939 37,79 561,17 62,939 4,258,791 2,399,636 2,612, ,939 34, ,71 62,939 4,56,927 2,542,728 2,77, ,939 32, ,332 62,939 4,882,1 2,696,815 2,94,915 24, 1,258,78 24, 1,258,78 Management fees reflected in column (4): 1.% *This illustration assumes the nonguaranteed values shown continue in all years. This is not likely, and actual results may be more or less favorable. This illustration is not valid unless accompanied by a basic illustration from the issuing life insurance company. 6 Year Summary Payments 24, 24, Cash Flow 1,258,78 1,258,78 Living s 492,332 2,696, ,332 2,94,915 Page 3 of 7
5 vs. Indexed Universal Life Comparison Yield Tax Rate 28.% Payment 5,5 73,78 Indexed Universal Life Year Female Age (1) Annual Deposit to the (2) Cash Flow from the (3) Investment (4) (5) Premium (6) Loan Proceeds (7) Accum (8) Cash (9) Death Benefit ,939 3,57 454,856 62,939 5,222,888 2,862,347 3,123, ,939 27, ,157 62,939 5,59,281 3,45,627 3,269, ,939 24, ,15 62,939 5,987,597 3,249,625 3,429, ,939 21, ,559 62,939 6,418,969 3,478,12 3,66, ,939 18, ,371 62,939 6,889,441 3,735,35 3,84, ,939 15,29 231,385 62,939 7,45,11 4,27,22 4,27, ,939 11, ,435 62,939 7,959,57 4,346,79 4,346, ,939 8,85 122,345 62,939 8,555,836 4,696,246 4,696, ,939 4,158 62,928 62,939 9,197,123 5,78,467 5,78, ,928 62,939 9,886,94 5,496,23 5,496,23 24, 1,888,159 24, 1,888,17 Management fees reflected in column (4): 1.% *This illustration assumes the nonguaranteed values shown continue in all years. This is not likely, and actual results may be more or less favorable. This illustration is not valid unless accompanied by a basic illustration from the issuing life insurance company. 7 Year Summary Payments 24, 24, Cash Flow 1,888,159 1,888,17 Living s 5,496,23 5,496,23 Page 4 of 7
6 vs. Indexed Universal Life A Look at Year 7 Indexed Universal Life Cumulative 1,888,159 1,888,17 24, Payments 24, Cumulative Cash Flow 5,496,23 Cash 5,496,23 Page 5 of 7
7 vs. Indexed Universal Life 7 Year Analysis $5,6, $5,496,23 $5,496,23 $4,2, $2,8, $1,4, $24, $ $ Years At Year 7 Cumulative Payments $24, s $ Cash of $5,496,23 of $5,496,23 Page 6 of 7
8 vs. Indexed Universal Life Matching s at Age 99 (Year 7) Female Age 3 Yield Tax Rate 28.% Payment 5,5 73,78 Gross Required on to Match Indexed Universal Life s over 7 Years. Gross Required To match Cash of: $5,496, % To match of: $5,496, % To Match Cash $5,496, % Required To Match $5,496, % Required 1. : Interest is tax exempt. Tax Considerations 2. Indexed Universal Life: a. including available cash value component is income tax free. b. Loans are income tax free as long as the policy is kept in force. c. Withdrawals and other non-loan policy cash flow up to cost basis (not in violation of IRC Section 772) are income tax free as a return of premium. d. Cash values shown assume most favorable combination of b and/or c. This illustration assumes the nonguaranteed values shown continue in all years. This is not likely, and actual results may be more or less favorable. This illustration is not valid unless accompanied by a basic illustration from the issuing life insurance company. Page 7 of 7
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