Category: Single Premium-Life

AGE:               Late 60s to age 80 SITUATION:  Client with cash value life insurance or cash in the bank considering the purchase of a MYGA (Multi-year Guaranteed Annuity). TYPE:             Non-qualified OBJECTIVE: Pass funds to beneficiaries efficiently and without investment or interest rate risk.  Also, maintaining access to the principal in the event it is needed for unforeseen circumstances. The Lowdown…

If you have clients with existing life insurance that no longer fits their needs or you’re trying to capture assets at the bank that your client has earmarked for legacy but wants to keep liquid “just in case”, take a look at single-premium universal life with a guaranteed return of premium.* The Ideal Client Profile…

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