Legacy strategy
Wealth Transfer Planning
Shield your heirs from the tax time-bomb and leave more of what you built to the people you love.
What is wealth transfer?
Pass it on tax-efficiently—and keep access while you’re living
Wealth transfer is moving what you have built to the people you choose—at the lowest possible tax cost. Whether or not estate taxes ever apply to you, income taxes on inherited CDs, savings and annuities can take a serious bite out of your legacy.
Single premium life insurance was designed for exactly this job: one deposit, an immediately larger estate, proceeds received income-tax-free, probate avoided, and in most policies the ability to use the benefit for your own care if you need it.
Single premium life insurance was designed for exactly this job: one deposit, an immediately larger estate, proceeds received income-tax-free, probate avoided, and in most policies the ability to use the benefit for your own care if you need it.
Why single premium life
- An immediately larger, income-tax-free legacy
- Proceeds bypass probate and go directly to beneficiaries
- Accelerated benefits for nursing-home and home-health care
- Repositions idle CDs, savings and old annuities
- Coordinated with your will, trust and tax advisor
Ready to talk it through?
A free, no-obligation conversation with a licensed Florida professional. No pressure, no jargon.
Or call (954) 790-5000
Watch
How wealth transfer protects your heirs
Transferring wealth at the lowest rate of taxation, the products available, and how accelerated benefits can cover a chronic illness.
Common questions
Frequently asked questions
What is the “tax time-bomb”?
Deferred annuities and tax-deferred accounts left to heirs carry untaxed gains. Beneficiaries pay income tax at their bracket—often higher than yours—on money you never spent.
Why single premium life insurance?
One deposit immediately creates a larger, income-tax-free death benefit that bypasses probate. Many policies also allow you to access the benefit while living for nursing-home or home-health care.
Who is a good candidate?
Typically ages 55–85, in reasonably good health, with money in CDs, savings or older annuities that is earmarked for children, grandchildren or charity rather than for your own income.
Do I need a medical exam?
Many single premium products are simplified-issue with no exam, just health questions.
Does this replace a will or trust?
No. It works alongside your estate documents. We coordinate with your attorney and tax professional; we do not provide legal or tax advice.
Keep exploring
Related topics
Life Insurance
Term, permanent and single premium options compared.
Fixed & Indexed Annuities
Income for you today; legacy planning for tomorrow.
Not sure where to start? Ask us a financial question.
Every situation is different and there is no one-size-fits-all retirement plan. Ask anything—you’ll get a straight answer from a licensed professional, not a sales pitch.