Is Single Premium Life Right For You? Availability may vary by state. Forms #3UBJ05 & 3EBJ05. Products issued by and all policy benefits are the responsibility.

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Presentation transcript:

Is Single Premium Life Right For You? Availability may vary by state. Forms #3UBJ05 & 3EBJ05. Products issued by and all policy benefits are the responsibility of Indianapolis Life Insurance Company, and not that of any other insurer or company. Single Premium Life Enhancing your legacy for tomorrow, today…

Is Single Premium Life Right For You? Availability may vary by state. Forms #3UBJ05 & 3EBJ05. Products issued by and all policy benefits are the responsibility of Indianapolis Life Insurance Company, and not that of any other insurer or company. Throughout your life you have worked hard and spent your money wisely as you save for retirement. Now you have reached a point when your planning has paid off and you are fortunate to have accumulated excess savings, allowing you to begin building your legacy.

Is Single Premium Life Right For You? Availability may vary by state. Forms #3UBJ05 & 3EBJ05. Products issued by and all policy benefits are the responsibility of Indianapolis Life Insurance Company, and not that of any other insurer or company. Perhaps you are beginning to think of how you will pass these important assets on to your children, grand children or your favorite charity. Providing for those you love is a wonderful way to continue your legacy Just Picture the Possibilities…

Is Single Premium Life Right For You? Availability may vary by state. Forms #3UBJ05 & 3EBJ05. Products issued by and all policy benefits are the responsibility of Indianapolis Life Insurance Company, and not that of any other insurer or company. You may have accumulated assets in savings accounts, money market accounts, and CDs for example. While these may have been useful tools for accumulating your funds, these savings vehicles may not be the most tax efficient method to multiply and transfer your assets.

Is Single Premium Life Right For You? Availability may vary by state. Forms #3UBJ05 & 3EBJ05. Products issued by and all policy benefits are the responsibility of Indianapolis Life Insurance Company, and not that of any other insurer or company. Life insurance is one of the most efficient ways to enhance and transfer your financial legacy. A properly-structured plan can help you create a brighter future for those most important to you. Think of it as a guaranteed amount of money for those you love.

Is Single Premium Life Right For You? Availability may vary by state. Forms #3UBJ05 & 3EBJ05. Products issued by and all policy benefits are the responsibility of Indianapolis Life Insurance Company, and not that of any other insurer or company. The Aviva Single Premium Life Series Is Something to Consider Life insurance is a valuable financial planning instrument that can help maximize the value of your estate. With single premium life insurance, you pay one premium that can provide guaranteed of peace-of-mind for a lifetime. The single premium design has a multiplier effect on your premium and on your estate.

Is Single Premium Life Right For You? Availability may vary by state. Forms #3UBJ05 & 3EBJ05. Products issued by and all policy benefits are the responsibility of Indianapolis Life Insurance Company, and not that of any other insurer or company. In our hypothetical example Joan* is 65 years old and a non-smoker. She has $50,000 in a Certificate of Deposit that she does not need for income or other day-to-day living expenses. $50,000 CD $100,000 Guaranteed Death Benefit Vista Choice SINGLE PREMIUM LIFE Immediate Multiplier Effect

Is Single Premium Life Right For You? Availability may vary by state. Forms #3UBJ05 & 3EBJ05. Products issued by and all policy benefits are the responsibility of Indianapolis Life Insurance Company, and not that of any other insurer or company. A plan with these unique characteristics can be used in a number of ways. Here are three more examples of how an Indianapolis Life Single Premium Life Plan can benefit you today. Think of it as a simple plan to transfer wealth.

Is Single Premium Life Right For You? Availability may vary by state. Forms #3UBJ05 & 3EBJ05. Products issued by and all policy benefits are the responsibility of Indianapolis Life Insurance Company, and not that of any other insurer or company. A single premium life plan can help you lock in or increase existing values while eliminating market risk. Client originally purchased $50,000 In a CD The CD grew over time by $20,000* to a total of: $70,000 The customer would like to increase the amount of money they leave to their heirs. Strategy: Customer cashes in their CD. The $70,000 is placed into a single premium life plan. The Single Premium Life Plan guarantees a total value of $116,200 This increase is locked in immediately and passes income tax free to their heirs most likely avoiding probate. Example: 70-year old *CD interest may be taxable. (Crown Choice Hypothetical Example)

Is Single Premium Life Right For You? Availability may vary by state. Forms #3UBJ05 & 3EBJ05. Products issued by and all policy benefits are the responsibility of Indianapolis Life Insurance Company, and not that of any other insurer or company. A single premium life plan can recover lost wealth from market corrections. $140,000 $95,000 $152,950 Immediate Increase (face amount) Income tax free death benefit Usually avoids probate (Vista Choice Hypothetical Example) Hypothetical

Is Single Premium Life Right For You? Availability may vary by state. Forms #3UBJ05 & 3EBJ05. Products issued by and all policy benefits are the responsibility of Indianapolis Life Insurance Company, and not that of any other insurer or company. $50,000 Freed up for your use! A single premium life plan can free up valuable dollars while still accomplishing your goal of leaving assets to your loved ones. (Vista Choice Hypothetical Example) $100,000 Asset earmarked to be left to heirs The life plan creates an immediate benefit value of $100,000 Income Tax Free $50,000 Transferred to a single premium life plan.

Is Single Premium Life Right For You? Availability may vary by state. Forms #3UBJ05 & 3EBJ05. Products issued by and all policy benefits are the responsibility of Indianapolis Life Insurance Company, and not that of any other insurer or company. Is Single Premium Life Insurance Right For You? A Single Premium Life insurance plan may be appropriate. Here are some questions to consider. Do you have money accumulated in the bank, or in annuities or mutual funds, that you would like to pass on to your heirs on a more tax-efficient basis? Are you interested in multiplying the amount that is eventually passed on to your heirs? Are you interested in these benefits being fully guaranteed? Are you interested in freeing your assets from Market Risk? Do you have savings that you don’t currently need for regular living expenses or to maintain your quality of life, but that you might need for emergencies? Do you have money that you would like to pass on to your favorite charity?

Is Single Premium Life Right For You? Availability may vary by state. Forms #3UBJ05 & 3EBJ05. Products issued by and all policy benefits are the responsibility of Indianapolis Life Insurance Company, and not that of any other insurer or company. Aviva has been serving policyholders since The company has created a special single premium plan to maximize the wealth you transfer. Guaranteeing your legacy for tomorrow, today...

Is Single Premium Life Right For You? Availability may vary by state. Forms #3UBJ05 & 3EBJ05. Products issued by and all policy benefits are the responsibility of Indianapolis Life Insurance Company, and not that of any other insurer or company. Two Great Choices… An AVIVA representative can help you find out which is best for you.

Is Single Premium Life Right For You? Availability may vary by state. Forms #3UBJ05 & 3EBJ05. Products issued by and all policy benefits are the responsibility of Indianapolis Life Insurance Company, and not that of any other insurer or company. Underwritten by Indianapolis Life Insurance Company, Indianapolis IN Form #'s 3UBJ05 & 3EBJ05 - Availability may vary by state. Neither Indianapolis Life nor its agents provides legal or tax advice. Any discussion of such is based on our understanding of current laws and regulations, which are subject to change. You should always consult with your personal tax advisor or attorney about how certain transactions may affect your individual circumstance.