Surrogate Insured Policies Explained
Don’t qualify for an IUL? No problem. Surrogate-insured policies allow you to own an IUL on someone else, like your spouse or adult children, while you still enjoy all the benefits—tax-free income, wealth growth, and legacy planning.
Here’s how it works: even if your health prevents you from qualifying for a policy, you can still own an IUL by insuring a healthy loved one. You remain the policy owner and enjoy all the financial benefits. It’s a brilliant way to ensure your financial strategy remains intact, no matter your circumstances.
Using a single yearly premium or a lump sum for five years ensures that your surrogate-insured policy builds cash value quickly, providing you with faster access to income and financial stability.
Curious about how surrogate-insured policies work?
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