Single Premium Life / Wealth Transfer Plans

What is Single-Premium Life Insurance?
A Single Premium Life (SPL) insurance policy is an insurance product that allows you to pay a single payment or premium in a lump sum to obtain an insurance policy with a death benefit guaranteed to remain paid up for the rest of your life. The size of the death benefit depends on the amount paid into the policy and the age and health of the insured. Single Premium Life Insurance lets your client transfer wealth to beneficiaries income tax-free while avoiding probate, and gives the owner liquidity to cover expenses in later years.

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