Same income, paid for longer — and an estate left over.

THE DIFFERENCE AT AGE 90

Estate left to the family

$763,493

Years of income (vs 9)

16 years

Return needed to match

11.45%

Male

AGE 55

$100,000

DEPOSIT

10 Years

DURATION

$95,427/yr

NET INCOME

Side by side

The same $95,427 a year — two very different outcomes

Metric	Status quo · alternative investment @ 5%	Tax-exempt insurance The strategy
Deposit	$100,000	$100,000
Duration	10 yrs	10 yrs
Initial benefit	—	$1,221,620
Net income / yr	$95,427	$95,427
Income paid	Age 69–77 · 9 yrs	Age 69–84 · 16 yrs
Cumulative income	$888,369	$1,526,832
Estate at age 90	$0	$763,493

INCREASED FAMILY WEALTH @ 90

$763,493

Estate left to the family after a full retirement income.

REQUIRED RATE OF RETURN @ 90

11.45%

What the alternative would need to earn to match this.

Income paid

Nine years of income, or sixteen.

Years of income · age 69 onward

Alternative investment @ 5%

Age 69–77 · 9 yrs

Age 69–84 · 16 yrs

Cumulative income received

Both scenarios · $95,427 / yr

$888,369

$1,526,832

Alternative investmentTax-exempt insurance

Figures are illustrative and based on current assumptions, including a non-guaranteed dividend scale; actual results will vary. Both scenarios assume identical annual net income of $95,427; the alternative investment depletes and ceases income earlier. This is a conceptual comparison, not an offer of insurance or a guarantee of future values. Personalized projections require a full illustration. Prepared for educational discussion purposes only. — Return on Life

Same income, paid for longer — and an estate left over.

The same $95,427 a year — two very different outcomes

Nine years of income, or sixteen.

Same income, longer — and something left.
Let’s run your own illustration.

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RETURN ON LIFE

Same income, paid for longer — and an estate left over.

The same $95,427 a year — two very different outcomes

Nine years of income, or sixteen.

Same income, longer — and something left.Let’s run your own illustration.

Same income, longer — and something left.
Let’s run your own illustration.