Limited Pay, Whole Life, 3, 5, & 10-Pay -
endowing at age 121

Legacy Insurance Services, Inc. and Assurity Life Insurance Company are proud to announce our new "Legacy Estate Maximizer Limited Pay Options, 3-Pay, 5-Pay and 10-Pay, Last Survivor" Annuity Reallocation product. This product is designed specially to help offset and/or eliminate the tax-deffered gain that an existing annuity may have.

Annuities have traditionally been a good way to fund retirement, as they allow a deferral of federal income tax ont he earnings. However, someone must eventually pay income tax on the interest earned.

Your client may choose to make a single premium payment, or a series of premium payments over a longer period, utilizing the three, five or ten pay option. When using funds from an annuity to pay the premiums, they may perfer one of the following:

A: Spread out he withdrawals over a longer period to reduce annuity surrender charges, if applicable, and potential income taxes.

B: Utilize annual interest from the annuity to pay the premiums. Each year's earnings can be withdrawn, leaving the original value of the annuity intact.