Help your clients give a gift that lasts a lifetime this holiday season!

Kid Start from Empire Life is a whole life insurance strategy that leverages the tax advantages of individually owned life insurance to help your clients give the next generation a financial head start in life. Kid Start offers a number of advantages over traditional financial vehicles used for tax-advantaged intergenerational wealth transfer.

Here's how it works:

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Pair Kid Start with 10 or 20 Pay EstateMax^® Participating Whole Life

With highly competitive total premiums and guaranteed values, EstateMax is the ideal engine to power a Kid Start strategy. See for yourself how it compares to other leading plans when it comes to guaranteed cash values in adulthood:

Estate PAR plan - 20 Pay For $35,000 with Enhanced dividend option^‡
Male, non-smoker, aged 0	Empire Life EstateMax 20 Pay	Competitive Product A	Competitive Product B	Competitive Product C
Total Coverage	$35,000	$35,000	$35,000	$35,000
Annual Premium	$223.76	$394.00	$230.53	$656.00
Following coverage amounts and guaranteed cash values (GCSV) are based on quotes with premiums matched to the highest annual premium above ($656.00).
Total Coverage	$122,067	$79,501	$117,489	$35,000
GCSV Year 20	$7,890	$3,954	$$7,117	$4,047
GCSV Year 30	$11,041	$9,074	$10,320	$5,469
GCSV Age 65	$34,318	$24,974	$28,927	$15,019
GCSV Age 85	$50,595	$36,754	$41,942	$21,515
^‡ Values shown are based on a comparison of Empire Life EstateMax 20 pay with Enhanced Dividend option for a male, aged 0, to three other comparable PAR products for the same life insured. Competitive Product A is Canada Life's Estate Achiever Plus, Competitive Product B is Equitable Life Estate Builder and Competitive Product C is Sun Life's Par Protector. Premiums and values for all products shown are based on quotes run with companies' illustration software on December 1, 2021.

To access Kid Start resources, including a video that you can share on social media, please visit our website. Also, be sure to register for our upcoming webinar on intergenerational wealth transfer (see below).

Please join

us for our next webinar:
Intergenerational wealth transfer and life insurance for kids

EARN CE CREDITS!

This session covers some of the most important factors that impact where wealth goes, who the decision makers are and how values can be expressed as part of what is passed down to heirs.

Date: December 16, 2021
Time: 2:00 p.m. to 3:15 p.m. ET

* Cash Value Savings are a portion of paid premiums for Whole Life Insurance that is set aside by the company for investments. These funds may be accessed through a policy loan (standard interest rates will apply) or by surrendering all or part of the policy. Any portion surrendered will reduce the Death Benefit accordingly. Any cash value withdrawn from the policy, if taxable, is taxed in the hands of the owner. Please see policy contract for more details. Withdrawals may reduce value, assuming payments are made; a policy loan carries more risk.

FOR ADVISOR USE ONLY. NOT FOR DISTRIBUTION TO THE PUBLIC.

The information in this document is for general information purposes only and is subject to change without prior notice. Empire Life assumes no responsibility for any reliance made on or any inaccuracy in the information contained in this document.

Policies are issued by The Empire Life Insurance Company.