Reduce your taxable investment income and increase the value of your estate. Contents 1. Objective The is designed to help individuals reduce their current taxable investment income and significantly increase the legacy they leave for the people and charities they care about most. 1. Objective 2. Clientele 3. Strategy 2. Clientele The is ideally suited for individuals who currently have savings and investments above that necessary to fund their retirement. It is a valuable asset in your portfolio mix which offers: A large, immediate estate value A tax-sheltered growth of cash values A tax-free maturity value at death Reduced estate settlement costs if a beneficiary other than the estate is named May offer creditor protection if an appropriate beneficiary designation has been made. 3. Strategy The strategy takes investment assets that are currently producing taxable income (ultimately reducing what is available to your heir) and repositions them into a tax exempt, permanent life insurance policy. The policy combines an immediate tax-free estate benefit with a tax sheltered investment account which, as it grows, substantially multiplies the tax-free legacy for the important people and/or charities in your life.
Summary Male 40, Non-Smoker First : $10,000 Before Tax Alternative Investment Rate: 3.00% Total s at Life Expectancy $450,000 $450,000 Estate at Life Expectancy $1,833,958 $710,123 Internal Rate of Return at Life Expectancy 5.31% 1.88% to Life Expectancy 1,400,000 1,200,000 1,000,000 Estate 800,000 600,000 400,000 200,000 0 41 43 45 47 49 51 53 55 57 59 61 63 65 67 69 71 73 75 Page 1 of 1
Male 40, Non-Smoker First : $10,000 Before Tax Alternative Investment Rate: 3.00% Cash 1 41 10,000 207 442,066 10,000 300 113 10,188 2 42 10,000 426 442,991 10,000 606 227 20,566 3 43 10,000 832 444,649 10,000 917 344 31,139 4 44 10,000 1,594 447,631 10,000 1,234 463 41,910 5 45 10,000 2,728 451,866 10,000 1,557 584 52,884 6 46 10,000 4,282 457,405 10,000 1,887 707 64,063 7 47 10,000 6,282 464,219 10,000 2,222 833 75,452 8 48 10,000 8,800 472,329 10,000 2,564 961 87,054 9 49 10,000 11,854 481,720 10,000 2,912 1,092 98,874 10 50 10,000 15,506 492,299 10,000 3,266 1,225 110,915 11 51 10,000 19,722 504,133 10,000 3,627 1,360 123,182 12 52 10,000 26,381 522,298 10,000 3,995 1,498 135,679 13 53 10,000 35,376 546,409 10,000 4,370 1,639 148,411 14 54 10,000 46,939 576,005 10,000 4,752 1,782 161,381 15 55 10,000 61,038 610,673 10,000 5,141 1,928 174,594 16 56 10,000 76,058 645,581 10,000 5,538 2,077 188,055 17 57 10,000 92,206 680,620 10,000 5,942 2,228 201,769 18 58 10,000 109,349 715,870 10,000 6,353 2,382 215,740 19 59 10,000 127,509 751,366 10,000 6,772 2,540 229,972 20 60 10,000 147,020 787,054 10,000 7,199 2,700 244,472 21 61 10,000 167,288 823,061 10,000 7,634 2,863 259,243 22 62 10,000 189,432 859,295 10,000 8,077 3,029 274,291 23 63 10,000 212,355 895,845 10,000 8,529 3,198 289,622 24 64 10,000 236,945 932,712 10,000 8,989 3,371 305,240 25 65 10,000 262,830 969,958 10,000 9,457 3,546 321,151 26 66 10,000 290,036 1,007,601 10,000 9,935 3,725 337,360 27 67 10,000 318,611 1,045,699 10,000 10,421 3,908 353,873 28 68 10,000 348,600 1,084,297 10,000 10,916 4,094 370,695 29 69 10,000 380,655 1,123,301 10,000 11,421 4,283 387,833 30 70 10,000 413,499 1,162,763 10,000 11,935 4,476 405,293 31 71 10,000 448,554 1,202,676 10,000 12,459 4,672 423,079 32 72 10,000 485,168 1,243,055 10,000 12,992 4,872 441,200 33 73 10,000 522,591 1,284,012 10,000 13,536 5,076 459,660 34 74 10,000 562,473 1,325,516 10,000 14,090 5,284 478,466 35 75 10,000 603,186 1,367,677 10,000 14,654 5,495 497,624 36 76 10,000 645,615 1,410,516 10,000 15,229 5,711 517,142 37 77 10,000 689,829 1,454,088 10,000 15,814 5,930 537,026 38 78 10,000 735,859 1,498,392 10,000 16,411 6,154 557,283 Page 1 of 3
Male 40, Non-Smoker First : $10,000 Before Tax Alternative Investment Rate: 3.00% Cash 39 79 10,000 783,783 1,543,491 10,000 17,018 6,382 577,920 40 80 10,000 832,550 1,589,469 10,000 17,638 6,614 598,943 41 81 10,000 883,271 1,636,349 10,000 18,268 6,851 620,361 42 82 10,000 934,812 1,684,225 10,000 18,911 7,092 642,180 43 83 10,000 989,622 1,733,059 10,000 19,565 7,337 664,408 44 84 10,000 1,045,274 1,782,940 10,000 20,232 7,587 687,054 45 85 10,000 1,101,731 1,833,958 10,000 20,912 7,842 710,123 46 86 10,000 1,161,716 1,886,044 10,000 21,604 8,101 733,626 47 87 10,000 1,222,514 1,939,303 10,000 22,309 8,366 757,569 48 88 10,000 1,284,077 1,993,817 10,000 23,027 8,635 781,961 49 89 10,000 1,349,433 2,049,506 10,000 23,759 8,910 806,810 50 90 10,000 1,415,512 2,106,433 10,000 24,504 9,189 832,125 51 91 10,000 1,483,911 2,164,597 10,000 25,264 9,474 857,915 52 92 10,000 1,552,930 2,224,051 10,000 26,037 9,764 884,188 53 93 10,000 1,626,006 2,284,668 10,000 26,826 10,060 910,954 54 94 10,000 1,701,330 2,346,308 10,000 27,629 10,361 938,222 55 95 10,000 1,780,696 2,408,744 10,000 28,447 10,667 966,001 56 96 10,000 1,863,995 2,471,620 10,000 29,280 10,980 994,301 57 97 10,000 1,952,582 2,536,169 10,000 30,129 11,298 1,023,132 58 98 10,000 2,047,566 2,601,004 10,000 30,994 11,623 1,052,503 59 99 10,000 2,153,860 2,663,890 10,000 31,875 11,953 1,082,425 60 100 10,000 2,279,905 2,721,029 10,000 32,773 12,290 1,112,908 61 101 10,000 2,334,399 2,775,523 10,000 33,687 12,633 1,143,963 62 102 10,000 2,389,712 2,830,836 10,000 34,619 12,982 1,175,599 63 103 10,000 2,445,857 2,886,981 10,000 35,568 13,338 1,207,829 64 104 10,000 2,502,845 2,943,969 10,000 36,535 13,701 1,240,664 65 105 10,000 2,560,689 3,001,813 10,000 37,520 14,070 1,274,114 66 106 - - - - 38,223 14,334 1,298,003 67 107 - - - - 38,940 14,603 1,322,341 68 108 - - - - 39,670 14,876 1,347,135 69 109 - - - - 40,414 15,155 1,372,394 70 110 - - - - 41,172 15,439 1,398,126 71 111 - - - - 41,944 15,729 1,424,341 72 112 - - - - 42,730 16,024 1,451,047 73 113 - - - - 43,531 16,324 1,478,254 74 114 - - - - 44,348 16,630 1,505,972 75 115 - - - - 45,179 16,942 1,534,209 76 116 - - - - 46,026 17,260 1,562,975 77 117 - - - - 46,889 17,583 1,592,281 Page 2 of 3
Male 40, Non-Smoker First : $10,000 Before Tax Alternative Investment Rate: 3.00% Cash 78 118 - - - - 47,768 17,913 1,622,136 79 119 - - - - 48,664 18,249 1,652,551 80 120 - - - - 49,577 18,591 1,683,536 Page 3 of 3