Transfer of Wealth and Life Insurance

With the appropriate structure of gifting strategies, life insurance provides unique tax benefits that allow the tax-efficient transfer of wealth from one generation to the next:

• Death benefit may be paid income - and estate-tax free outside probate - preserving the value of your legacy.
• Growth of assets may be leveraged on a tax-advantaged basis.
• Gifts to pay premiums may lower the size of your taxable estate.
• An optional death benefit feature offers the potential for an increasing death benefit to keep pace with your growing estate.

Consider the following products from Lincoln Life to get supplement your plan:

• Lincoln UL^DB
• Lincoln SUL^DB
• Lincoln SUL^LPR-5
• Lincoln VUL^DB-II
• Lincoln SVUL-III
• WL-I
• SWL-I

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