Your clients may have hidden challenges in their investments. Secure Legacy Whole Life (Secure Legacy) can help you address them in one complete package.
A straightforward solution to your client’s most common concerns
Why Secure Legacy?
100% return of premium guarantee1
Guaranteed tax-deferred cash value growth accessible throughout the life of the policy
Quick and easy coverage — no medical exam2
Single premium immediately increases estate for beneficiaries through a guaranteed death benefit
Let's look at a few common scenarios
Nia’s situation
Nia has a strong retirement portfolio, but a portion of her assets have been hit before due to market downturn.
Nia’s objective
Nia wants guaranteed protection of a portion of her assets from market volatility to preserve her financial legacy.
Ask Nia
Do you have the right balance in a diversified portfolio to help you meet your current needs and also leave the legacy you desire?
Solution
Putting assets into a Secure Legacy policy can help Nia leverage her estate effectively and minimize market risk. Secure Legacy can provide her loved ones with a guaranteed tax-free death benefit with the potential to have money left over for reinvestment.
Leon’s situation
Leon has assets that are in conservative investments such as CDs and/or has cash in savings.
Leon’s objective
Leon is concerned that his assets may not keep pace with inflation and that he might miss out on some growth.
Ask Leon
How would it feel to you if your legacy assets were in a financial tool that could potentially experience a little more growth during your lifetime, and as a legacy, get an immediate increase?
Solution
For Leon’s family, Secure Legacy offers a 100% guaranteed return of premium with the potential to grow the cash value. For the beneficiaries, their legacy will be immediately increased because they’ll receive the death benefit of the policy.
Raquel’s situation
Raquel has assets set aside for her heirs that may be subject to taxes.
Raquel’s objective
Raquel wants to transfer her estate in a way that’s most meaningful to her loved ones.
Ask Raquel
Have you considered how your kids will have to pay taxes on the legacy you’ve left for them? Have you given any thought to what assets you have that could cause potential tax burden for your beneficiaries?
Solution
Life insurance death proceeds are received tax free by beneficiaries. Secure Legacy offers a simple solution to clients who want to transfer their wealth in a tax-efficient way.
These are hypothetical examples for illustrative purposes only.
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3 easy steps to apply
1. Upon surrender, policyowner will receive premiums paid, less any applicable surrender charges, withdrawals and loans.
2. Decision is based on answers to the health questions in the application.
Life insurance products contain charges, such as Cost of Insurance Charge, Cash Extra Charge, and Additional Agreements Charge (which we refer to as mortality charges), and Premium Charge, Monthly Policy Charge, Policy Issue Charge, Transaction Charge, and Surrender Charge (which we refer to as expense charges). These policies may contain restrictions, such as surrender periods.
Please keep in mind that the primary reason to purchase a life insurance product is the death benefit.
Product features and availability may vary by state.
Policy loans and withdrawals may create an adverse tax result in the event of lapse or policy surrender and will reduce both the surrender value and death benefit. Withdrawals may be subject to taxation within the first fifteen years of the contract. Clients should consult their tax advisor when considering taking a policy loan or withdrawal.
Guarantees are based on the claims paying ability of the issuing company.
This information should not be considered as tax or legal advice. Clients should consult their tax or legal advisor regarding their own tax or legal situation.
For financial professional use only. Not for use with the public. This material may not be reproduced in any form where it is accessible to the general public.
DOFU 4-2023
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