Can life insurance be equivalent to a pre-tax return of 15%¹ on a non-registered investment?

Do you have risk-averse clients who rely on non-registered, fixed income investments and are looking to transfer wealth to the next generation? 

We have developed two in-depth case studies to illustrate how the death benefit of our Optimax Wealth 8-Pay and 10-Pay participating whole life plans may outperform a non-registered fixed income asset, potentially enhancing your client's legacies.

Check out the case studies below and add them to your toolbox!

Case Study 1: Optimax Wealth 8-Pay

Joint Last-to-Die with Enhanced Dividend Option

Amit and Shaila, Age 70

Want a tax-efficient solution to transfer their wealth to their family

Looking to diversify their portfolio with a low-risk option that ensures their family receives the legacy they've planned.

Case Study 2: Optimax Wealth 10-Pay

Joint Last-to-Die with Enhanced Dividend Option

Maurice and Lan, Age 65

Want to enhance the legacy they're planning for the next generation

Looking for an alternative solution that is tax-efficient, easy to manage and can simplify their estate settlements, bypassing probate.

Why Empire Life for PAR? 

Strong PAR account performance: 

7.37% average return² over the last 30 years

Two products to help meet your client's needs:

Optimax Wealth and EstateMax

Four guaranteed payment options to choose from:

8-Pay, 10-Pay, 20-Pay and Life Pay

For more information on Empire Life participating whole life insurance products, visit our website or download the Participating Life Insurance Product Guide below. 

¹ Based on a tax equivalent Internal Rate of Return of the Death Benefit at end of policy year 10 indicated for Empire Life Optimax Wealth 8-Pay Joint Last to Die policy with Enhanced Coverage (with Lifetime Guarantee) dividend option. Total coverage amount of $1,367,771 ($1,189,314 base amount + $178,397 Enhanced Coverage amount) issued on March 1, 2023, for healthy, non-smoking male and female life insureds, both aged 70 at issue, who both pass away by end of policy year 10 indicated. The tax equivalent Internal Rate of Return of the Death Benefit is calculated assuming the fixed income investment amount at the end of the year 10 indicated would be taxed at a marginal tax rate of 45%. See Case Study #1 for full details.

² See Empire Life Quarterly Participating Account Summary Q4 2022 pg. 6.

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.