• Allows policyholder to lock in a guaranteed death benefit for specific time required for coverage • Provides a guaranteed tax
free death benefit for beneficiaries • Provides a vehicle to pass along
wealth to children or grandchildren • May be used to cover estate taxes, fees and outstanding medical bills • May be set up as a charitable trust • May be used for cash value
accumulation • Ideal for a Buy / Sell Agreement • Provides a policy which is both flexible and affordable