The miracle of leveraging

The cash values are guaranteed, and taxes won’t impede maximum growth. The values can be accessed whether you are dead or alive without income tax liability. If your client believes that taxes will be higher in the future, there is no better benefit available.

But the most advantageous benefit of cash-value insurance is leveraging, which can also be found in term life insurance, linked life insurance policies that provide death benefits, safe growth and long-term care or critical illness benefits when needed.

Long-term care policies, critical illness coverage, catastrophic illness and cancer policies, Medicare supplements, even health insurance are all products where one
dollar does the work of many dollars.

Leverage provides these benefits:

• Income replacement
• Mortgage satisfaction (business and personal)
• Estate tax reduction
• Income tax reduction
• Increased charitable gifts
• Ease of estate transfer
• Estate expansion
• Increased wealth transfer
• Inflation offset (This will be a vital benefit in the coming inflationary decades.)
• Debt satisfaction (Debt signals the need for life insurance. If your prospect can’t afford the premium, their family can’t afford the problem.)

Financial miracles like leveraging will help your clients survive and then thrive in the decades ahead.