WHAT IS WEALTH TRANSFER?

WEALTH TRANSFER

ARE YOU IN A SITUATION WHERE YOU CAN PLAN?

Do you have financial resources that are earmarked for family, charity or other?

IF SO, CONSIDER...

SINGLE PREMIUM IUL

A one time payment life insurance policy that provides:

INCOME TAX-FREE DEATH BENEFIT

Income tax-free death benefit for your loved one.

tax free example
  • Age 68

    Guaranteed - $90,843
  • Non Guaranteed - $91,072
  • Age 88

    Guaranteed - $76,450
  • Non Guaranteed - $94,991
  • Age 100

    Guaranteed - $76,450
  • Non Guaranteed - $116,747

  • *Numbers calculated based on an illustrative rate of 4.61%. Illustration rates are subject to change.

AFRAID YOU CANT GET OUT?
AFRAID HEALTH CHANGES
YOUR PLANS?

Immediate liquidity in case life changes your plans.

HOW DOES THIS CONTRACT WORK?






+ Death Benefit
Death benefits are guaranteed under the terms of the contract.
+ Cash Value
Cash value is important.
-It can drive death benefit in later years.
-It can improve surrender value should you decide to walk away from the contract.
-You can take interest-free loans on the account value if your needs change.
+ Interest
Cash value is highly valued by interest credited.

HOW DOES INTEREST CREDITING WORK?

All accounts guaranteed to credit interest at an annual rate of 0.25%


INDEXED LINKED

Annual Point to Point 100% Par with Cap (in the indexing formula)

FG-LIFE HERITAGE

offers a competitive single premium indexed universal life insurance design

ADDENDUM

KEY FEATURES SUMMARY


  • *No Lapse Guarantee: Policy loans or partial surrenders could lapse the policy. The no lapse guarantee is not valid if any partial surrender or loan is taken.
  • *Return of Premium: Surrender value will never be less than 100% of premiums paid, less any loan balance or net partial surrenders.
  • *Accelerated Benefit for Terminal Illness/Critical Illness Benefit- will pay up to 100% of death benefit. Riders may have a one time administrative fee of $500.


STRONG CAPS & DOWNSIDE PROTECTION

FG-LIFE HERITAGE

with FG-Life Heritage you can provide your family a legacy and have flexibility
should life's circumstances change your plans.

PREMIUM BONUS & UNDERWRITING

  • BONUS
  • 10% premium bonus jumpstarts
    your account value
    and increases earning potential
  • Contact Us
  • Apply
  • Fill out an application and complete a 15 minute phone interview

  • Contact Us
  • Medical
  • No medical exams or blood work


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  • Decision
  • Receive a same-day
    underwriting decision

  • Contact Us
FAX
800-281-5777
Fidelity & Guaranty Life Insurance Company P.O. Box 1137 Baltimore, MD 21203-1137

Contact

Call or email to apply today!