The flexibility to help you protect, accumulate and transfer wealth makes life insurance a significant value, enabling you to:

Create financial protection for your family: Protecting income for your loved ones is valuable in itself. If you were to die prematurely, you want to make sure your family is taken care of financially. That’s the primary purpose of life insurance.

Grow equity with which to supplement future income needs: Should you enjoy a long and healthy life and live well into retirement, permanent life insurance can transition to provide supplemental retirement income. Cash value within the policy grows tax-deferred, and you can access that cash value at any time through withdrawals and loans.*

Leave a legacy to the ones you love: If you want to leave your remaining assets to your loved ones, life insurance may be used as an effective tool for passing wealth on more efficiently. When it comes to transferring our wealth, assets are different. Some assets pass on less than the value we might expect because they are burdened by extra taxes and costs. Annuities, IRAs and tax-qualified accounts suffer from this disadvantage. Other assets can be problematic because their value isn’t stable, such as real estate and stock investments, which fluctuate with the performance of their respective markets.

Life insurance is an asset that can efficiently transfer wealth, offering a unique combination of potential advantages:

  • Life insurance offers a predictable death benefit amount that is not linked to market performance.
  • The death benefit is paid in cash with no income taxes and potentially no estate taxes subtracted from the amount that is paid to your loved ones.
  • The death benefit can be easily divided among several beneficiaries based on how you want the proceeds distributed.
  • The death benefit is paid directly to your loved ones without the costs and delays that often impact assets distributed through the probate system.

Life insurance is an asset that can add significant value, even in uncertain economic times. It provides you a competitive rate of return without adding additional risk to your portfolio.

Call me today to see how life insurance can be an integral part of your diversified portfolio.


Mike Addante

Ameritas Wealth Advisors
Financial Advisor
440 Regency Parkway Drive
Suite #147
Omaha, NE 68114
402-397-1952 Phone
402-819-7746 Cell
402-397-8760 Fax

mikeaddante@ameritasfc.net

ameritasfc.net

Mike Addante offers products and services using the following business names: Ameritas Wealth Advisors – insurance and financial services | Ameritas Investment Company, LLC (AIC), Member FINRA/SIPC – securities and investments | Ameritas Advisory Services (AAS) – investment advisory services. AIC and AAS are not affiliated with Ameritas Wealth Advisors. Mike Addante is licensed to sell insurance and annuities.

*Tax law permits a policy owner to withdraw life insurance policy cash values up to the policy owner’s basis or investment in the contract without income tax consequences. Withdrawals and loans will reduce the available death benefit. Withdrawals beyond basis may be taxable income. Excess and unpaid loans will reduce policy value and may cause the policy to lapse. If a policy lapses, unpaid loans are treated as distributions for tax purposes. For more information about the tax results of life insurance, consult your attorney or tax advisor.

This material was developed and produced by Ameritas to provide information on a topic that may be of interest. This content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. The opinions expressed and material provided are for general information, and they should not be considered a solicitation for the purchase or sale of any security. Contact your representative for more information and assistance in obtaining life insurance and other products to help meet your financial planning needs.

This information is provided by Ameritas®, which is a marketing name for subsidiaries of Ameritas Mutual Holding company. Subsidiaries include Ameritas Life Insurance Corp. in Lincoln, Nebraska and Ameritas Life Insurance Corp. of New York (licensed in New York) in White Plains, New York. Each company is solely responsible for its own financial condition and contractual obligations. For more information about Ameritas®, visit ameritas.com.

Ameritas® and the bison design are registered service marks of Ameritas Life Insurance Corp. Fulfilling life® is a registered service mark of affiliate Ameritas Holding Company.

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