Wealth Transfer Illustration

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

Male, Age 55Deposit $100,000Duration 10 Years
At age 90
Estate, tax-exempt
(vs $1.55M)$4,184,069
Wealth difference
created$2,432,254
Return needed
to match11.39%
Estate value, side by side

The same $100,000 — a very different legacy

Estate value
Status Quo · Alternative Investment @ 5%
Tax-Exempt InsuranceThe strategy
Deposit
$100,000
$100,000
Duration
10 yrs
10 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.

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