The flexible nature of many modern life insurance policies provides a powerful means to address a wide range of personal needs as outlined below.


 Family Protection: Provides a source of cash for surviving family members to utilize for living expenses. 
College Funding: Provides a funding source for college education of children or grandchildren. 
Debt Protection: Generates cash to pay off an existing mortgage or other personal debt. 
Wealth Creation: Provides funds to leave as an inheritance or to equalize inheritances among family members. 
Estate Tax Liquidity: Creates liquidity to pay estate taxes rather than requiring liquidation of existing estate assets. 
Gifting Leverage: Leverages the use of the annual gift tax exclusion, the lifetime exemption, and/or Generation Skipping Transfer Tax exemption. 
Retirement Planning: Designed to create a tax free stream of income at retirement.