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'Wealth Transfer' Soft-Sell |
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Single Premium Life Comparison |
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Company / Product |
Initial Death Benefit |
Credit Rate |
Cash Value Yr 1 |
Cash Value Yr 20 |
Death Benefit Yr 20 |
Agent Comp |
| Americo / LT Legacy | $201,999 |
NA |
$85,481 |
$100,014 |
$201,999 |
10% |
| NACOLAH / Legacy Opt | $188.069 |
3% |
$100,000 |
$145,535 |
$188,069 |
8.5% |
| Indianapolis / Vista Choice | $178,571 |
2% |
$90,525 |
-0- |
$178,571 |
12% |
| Projected - Indexed | 7.5% |
$96,600 |
$269,909 |
$332,963 |
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| Indianapolis / Crown Choice | $168,067 |
3% |
$84,731 |
$100,000 |
$168,067 |
12% |
| F & G / Heritage Master | $152,790 |
1% |
$81,155 |
-0- |
$152,790 |
8.5% |
| Projected - Indexed | 8.63% |
$81,408 |
$301,471 |
$359,734 |
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| Philadelphia Amer / Gtd Issue** | $150,316 |
NA |
$71,400 |
$115,893 |
$150,316 |
9% |
| * All policies except Philadelphia American subject to commission charge backs on first year surrenders. | ||||||
| ** Maximum issue for Philadelphia American is $100,000 of death benefit. Numbers shown above are for comparison purposes only. | ||||||
| *** Higher death benefits are available from fully underwritten UL's issued as single premiums. Commissions are sometimes higher on these alternative policies. Alternate policies may also be available as a non-MEC. | ||||||