Broker Check

Strategic Insurance Design

Prepared for

Mrs Client, Age 69, Preferred Non Tobacco

Previous Case Design


New Upgraded Case Design


Taxable Estate?



Death Benefit Inside an ILIT?



Premiums Paid Out of Pocket?



Annual Income from Design?



Annual Premium Required?



Cash Flow?



Death Benefit?



Death Benefit Guaranteed?


See Below for Important Disclosures

*  In the previous case design, the taxable estate had a life insurance policy owned by the insured instead of by an irrevocable trust outside the estate.

** "Paying premiums out of pocket" refers to the source of premium being the current assets or income of the insured.   Our design provides for the premium.

By redesigning the life insurance policy to the "New Upgraded Case Design", the client accomplishes 4 very specific improved benefits:

1: Taxable Estate is Reduced

2: Death Benefit is Owned Outside the Estate

3: Death Benefit is Guaranteed

4: Premiums are Covered

Please contact us to review this case in more detail for you or your clients

Life insurance policies are subject to certain costs, limitations and restrictions, and terms for keeping them in force. Annuity withdrawals are subject to current income taxes. Policy guarantees are based on the claims-paying ability of the issuer.

This information is for hypothetical illustrative purposes only and should not be considered specific tax, legal, investment or planning advice, which will only be provided on a personalized basis. Depending on individual circumstances, the strategies discussed may not be appropriate for your situation. Individual results may vary and the presented information is not a guarantee of future performance or success.

This information is based upon on our understanding of current laws, which is subject to change. Please note that a trust is a legal arrangement that may result in the inability to change the trust in the future, require relinquishing control over the trust assets, and to be properly administered.  Always consult a qualified advisor regarding your individual circumstances.

Policy issued by Lincoln Financial Group and the address is: 1 Granite Place, Concord New Hampshire, 03301.