Leave more to the people you love.
Shield your heirs from the tax time-bomb and leave more of what you built to the people you love.
20+ years in Deerfield Beach · Licensed Florida professionals · Hosts of Money Talks on the Blue Couch
Leave more to the people you love.
Shield your heirs from the tax time-bomb and leave more of what you built to the people you love.
20+ years in Deerfield Beach · Licensed Florida professionals · Hosts of Money Talks on the Blue Couch
What is wealth transfer?
Pass it on tax-efficiently—and keep access while you are living
Wealth transfer is moving what you have built to the people you choose at the lowest possible tax cost. Whether or not estate taxes ever apply to you, income taxes on inherited CDs, savings and annuities can take a serious bite out of your legacy. We help you keep more of it in the family.
An immediately larger legacy
Single premium life insurance turns one deposit into a larger, income-tax-free benefit that bypasses probate and goes directly to the people you name.
Access while living
Most policies let you accelerate the benefit for nursing-home or home-health care, so the legacy money can protect you first.
Coordinated with your advisors
We work alongside your attorney and tax professional so the strategy fits your will, trust and overall estate plan.
Leaving money to heirs
Built to Pass It On
The same dollars can arrive very differently depending on where they sit when they are inherited.
Defuse the tax time-bomb with
Single Premium Life
One deposit from a CD, savings or an old annuity becomes an immediately larger, income-tax-free legacy that bypasses probate—and many policies let you draw on it for care while living.
Tax-free legacy
Single Premium Life
CD or savings left to heirs
Deferred annuity left to heirs
What heirs receive
A death benefit larger than the deposit, from day one
The balance
The balance
Income tax to heirs
Generally none
None on principal; interest was taxed yearly
Ordinary income tax on all untaxed gains, at the heir’s bracket
Probate
Bypassed—paid directly to named beneficiaries
Usually goes through probate unless titled to avoid it
Bypassed with a named beneficiary
Access while living
Often available for chronic illness or care
Anytime
Subject to surrender charges
Underwriting
Simplified-issue options, ages 55–85
None
None
What heirs receive
Single Premium Life
A death benefit larger than the deposit, from day one
CD or savings left to heirs
The balance
Deferred annuity left to heirs
The balance
Income tax to heirs
Single Premium Life
Generally none
CD or savings left to heirs
None on principal; interest was taxed yearly
Deferred annuity left to heirs
Ordinary income tax on all untaxed gains, at the heir’s bracket
Probate
Single Premium Life
Bypassed—paid directly to named beneficiaries
CD or savings left to heirs
Usually goes through probate unless titled to avoid it
Deferred annuity left to heirs
Bypassed with a named beneficiary
Access while living
Single Premium Life
Often available for chronic illness or care
CD or savings left to heirs
Anytime
Deferred annuity left to heirs
Subject to surrender charges
Underwriting
Single Premium Life
Simplified-issue options, ages 55–85
CD or savings left to heirs
None
Deferred annuity left to heirs
None
General descriptions for education only. Tax treatment depends on your situation; consult your tax professional. Not legal or tax advice.
Watch
How wealth transfer protects your heirs
A short video from the Safe Money Places® Agent Network.
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Questions? We’ve got answers.
Frequently asked questions
What is the “tax time-bomb”?
Deferred annuities and tax-deferred accounts left to heirs carry untaxed gains. Beneficiaries pay income tax at their bracket—often higher than yours—on money you never spent.
Why single premium life insurance?
One deposit immediately creates a larger, income-tax-free death benefit that bypasses probate. Many policies also allow you to access the benefit while living for care.
Who is a good candidate?
Typically ages 55–85, in reasonably good health, with money in CDs, savings or older annuities earmarked for children, grandchildren or charity.
Do I need a medical exam?
Many single premium products are simplified-issue with no exam, just health questions.
Does this replace a will or trust?
No. It works alongside your estate documents. We coordinate with your attorney and tax professional; we do not provide legal or tax advice.
Not sure where to start? Ask us a financial question.
Every situation is different and there is no one-size-fits-all retirement plan. Ask anything—you’ll get a straight answer from a licensed professional, not a sales pitch.