Looking for a total value?

Customers often focus only on finding the cheapest premiums. In the real world life can throw curve balls; and when that happens you want your customers to be prepared. Having an exit strategy that gives access to cash values via loans, withdrawals or even surrendering their policy is the peace of mind you can give your customer if and when they need it.1

This example shows how Lincoln Benefit Life can give your customers the options and cash value they deserve.


Hypothetical Assumptions: Second-to-Die Policy with Lifetime Guarantee; $1,000,000 face amount using DBO 1; Both Age 60 & Preferred Non-Smoker; Annual Premiums of $9,122


Chart is for illustrative purposes only and does not guarantee future results.

*Added flexibility with the Estate Liquidity Rider1,2
The cash value accumulation is impressive on its own. But with the Estate Liquidity Rider, customers are eligible for alternate surrender values within 60 days of the milestone anniversaries.
Year 10: $82,095
Year 15: $136,825

Learn more about how the Estate Liquidity Rider works

For more information, contact:

  

1 Partial withdrawals and surrenders from life policies are generally taxed as ordinary income to the extent the surrender proceeds exceed your investment in the contract, which is also called the "basis." In some situations, partial withdrawals during the first 15 policy years may result in taxable income prior to recovery of the investment in the contract. Loans are generally not taxable if taken from a life insurance policy that is not a modified endowment contract. However, when cash values are used to repay a loan, the transaction is treated like a withdrawal and taxed accordingly. Unpaid interest on loans is added to the loan principal, thereby increasing the total debt on the policy. The combination of an increasing loan balance, and deductions for contract charges and fees, may cause the policy to lapse, triggering ordinary income tax on the outstanding loan balance to the extent it exceeds the cost basis in the policy. If a policy is a modified endowment contract, loans are treated as taxable distributions to the extent of the policy gain. Loans, withdrawals and surrenders are treated first as distributions of the policy gain subject to ordinary income taxation, and may also be subject to an additional 10% penalty tax if made prior to age 59 ½. Loans, if not repaid, and withdrawals reduce the policy’s death benefit and cash surrender value.

2 Please see rider for terms, conditions and restrictions. The Estate Liquidity Rider is attached at no cost to all Legacy Secure SL policies in which the youngest insured is age 75 or younger and neither insured is classified as uninsurable.

Guarantees are based on the claims-paying ability of Lincoln Benefit Life Company, Lincoln, NE.

Legacy Secure SL® (contract series UL0760) is a survivorship universal life insurance policy issued by Lincoln Benefit Life Company, Home Office: Lincoln, NE. Lincoln Benefit Life Company is a wholly owned subsidiary of Allstate Life Insurance Company, Home Office: Northbrook, IL.

Not FDIC, NCUA/ NCUSIF insured. No bank or credit union guarantee. Not insured by any federal government agency. Not a deposit. May go down in value.

FOR BROKER-DEALER OR AGENT USE ONLY — this material may not be quoted, reproduced or shown to members of the public, nor used in electronic or writ­ten form as sales literature for public use.

EB-660 l ©2010 Allstate Insurance Company, Northbrook, IL