Estate Liquidity Solutions

Life insurance can be a tremendous liquidity tool to pay estate taxes within a short period of time. It can also be an effective tax-efficient and tax-advantaged asset. Most life insurance policies are less expensive than other methods to pay estate taxes and can prevent other valuable assets from having to be liquidated.

Cash Option

100%
Dollars

Liquidation Option

Discounts, fees, commissions

Borrow Option

100% +
Interest

Life Insurance

Discounted Dollars

Graph depicts potential costs per million dollars of estate tax. Life insurance insurance figure based of healthy male, age 54.

Life Insurance in Estate Planning
  • Create or increase the size of an estate.
  • Fund buy-sell agreement.
  • Insure key person.
  • Estate liquidity to pay debts, administration, and taxes.
  • Cover business debts and support business.
  • Equalize bequests to children.
  • Replace gifted assets for spouse or children.
  • Provide income to spouse and family.