Introduce your clients to a Single Premium Whole Life (SPWL) contract that can leverage money free from income-tax to them and their families.
In a CD the earnings are taxable each year as income. In a life insurance policy, the growth in the cash value is tax-deferred and only taxed if the policy owner makes a withdrawal or surrenders the policy value. The cash value of an SPWL and Fixed Annuity at 5- and 10-years is comparable for most age brackets:
