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Life Insurance as an Annuity or CD Alternative

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: