Capital Transfer is simple - maximize your gift to beneficiaries through life insurance.
Do you want to leave money to the next generation? Would you like to increase what you are leaving behind? Would you like it to be tax free to your beneficiaries (in most cases)?
Then life insurance is the vehicle to do it!
Example:
Female Insured, age 78 at issue, $500,000 legacy for beneficiaries for a total one-time premium of $271,858. THAT'S ALMOST DOUBLE THE AMOUNT OF CASH! AND IT IS NOT TAXABLE TO THE BENEFICIARY. Had she left the $271,858 to the estate or trust to doll out, it would be subject to going through probate and would likely be taxable!