1. 427 Naubuc Avenue  Suite 103  Glastonbury, Connecticut 06033  www.diblife.com
The
The Strategy
During a wealth transfer, you can take assets that your
client won't need in their lifetime and position them for
an efficient transfer to the next generation. An effective
strategy transfers the wealth to the client's heirs in a
financially sound and, in some cases, tax-advantaged --
manner.
The Case
A couple in their 70’s who have more money than they
are going to use. They wanted to pass funds along to
their daughters. Their net worth is approximately
$2.5MM.
The Solution
The Solution
After thoroughly analyzing the market we located the
best carrier and product for their situation. A
Survivorship Life product with a competitive carrier
returned a desirable Internal Rate of Return (IRR). As
you can see below, the IRR is close to 10% if they die at
ages 91 and 90 which is beyond life expectancy. This
will be income tax free and would also avoid Connecticut
inheritance taxes if that were a concern if owned by an
ILIT or the kids.
Contact our office for illustrations and sales ideas.
What we are working
on now
Wealth Transfer
Using Life InsurancePhone (860) 659-2691
Yr Ages Annual
Premium
Accumulation
Value
Death Benefit IRR on Net
Death Benefit
1 77/76 30,000 14,800 1,045,950 3,386.50 %
2 78/77 30,000 27,399 1,045,950 442.58 %
3 79/78 30,000 37,229 1,045,950 187.38 %
4 80/79 30,000 43,662 1,045,950 109.36 %
5 81/80 30,000 45,925 1,045,950 73.64 %
6 82/81 30,000 42,943 1,045,950 53.69 %
7 83/82 30,000 33,514 1,045,950 41.15 %
8 84/83 30,000 16,365 1,045,950 32.64 %
9 85/84 30,000 0 1,045,950 26.52 %
10 86/85 30,000 0 1,045,950 21.95 %
11 87/86 30,000 0 1,045,950 18.42 %
12 88/87 30,000 0 1,045,950 15.63 %
13 89/88 30,000 0 1,045,950 13.37 %
14 90/89 30,000 0 1,045,950 11.52 %
15 91/90 30,000 0 1,045,950 9.97 %
16 92/91 30,000 0 1,045,950 8.67 %
17 93/92 30,000 0 1,045,950 7.55 %
18 94/93 30,000 0 1,045,950 6.60 %