Return on Life
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  • Wealth Transfer Illustration

Two ways to leave an estate. One leaves far more.

AT AGE 90
Estate, tax-exempt (vs $1.55M)
$4,184,069
Wealth difference created
$2,432,254
Return needed to match
11.39%
Male
AGE 55
$100,000
DEPOSIT
10 Years
DURATION
Estate value, side by side

The same $100,000 — a very different legacy

Estate valueStatus quo · alternative investment @ 5%Tax-exempt insurance
The strategy
Deposit$100,000$100,000
Duration10 yrs10 yrs
Initial benefit—$1,221,620
Estate at age 80$1,138,458$2,817,086
Estate at age 85$1,332,394$3,489,929
Estate at age 90$1,551,815$4,184,069
WEALTH DIFFERENCE @ 90
$2,432,254
Additional estate created by the tax-exempt strategy.
REQUIRED RATE OF RETURN @ 90
11.39%
What the alternative would need to earn to match the insurance.
Estate value by age

The gap widens every decade.

Estate value by age
Age 80
$1.14M
$2.82M
Age 85
$1.33M
$3.49M
Age 90
$1.55M
$4.18M
Alternative investment @ 5%Tax-exempt insurance
Figures are illustrative and based on current assumptions, including a non-guaranteed dividend scale; actual results will vary. 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 deposit, a very different legacy.
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