Funds pass income tax free with no probate. Client can surrender at any time and get back entire premium.
Up to 90% of the death benefit is available income tax free for clients with a qualifying long term care need.
10 minute approval for clients without recent history of hospitalization, hip fracture, or major illness.
This wealth creation and transfer vehicle is perfect for your clients with a pool of money that they do not need for immediate income and would prefer to pass on to future generations. Look at your clients between the ages of 60 to 85 and who are continuously purchasing CDs and annuities, are grandparents, and/or have recently downsized their home.