Lifetime Legacy ... designed with you in mind.

Sally, a 68 year-old non-smoker, had $50,000 in a Certificate of Deposit (CD). She was not using this savings for income and hoped to one day pass it on to her daughter. The CD was earning 4% and was taxed every year. The after-tax return was only 2.68% per year. Sally's biggest concern was accessing her funds if she was ever confined to a nursing home.

By repositioning this $50,000 CD into Lifetime Legacy, Sally substantially increased the estate earmarked for her daughter. She turned her CD ¹ into an initial guaranteed minimum death benefit of $103,743 that she will likely pass on to her daughter free of income tax and outside of probate. Should Sally ever become permanently confined to a qualified nursing facility, up to $82,994 of that death benefit could be available for any need.

A 68 year-old female, non-smoker with a $50,000 single premium may qualify for a $103,743 initial guaranteed minimum death benefit with Lifetime Legacy.

¹ Many CDs have early withdrawal charges and/or penalties. This example assumes that no such penalties or charges apply, and the entire $50,000 is repositioned into Lifetime Legacy.

Lifetime Legacy (Policy Series 258) is underwritten by Americo Financial Life and Annuity Insurance Company, Kansas City, MO, and may vary in accordance with state laws. Some products and benefits may not be available in all states. Certain restrictions apply. Consult policy for all limitations and exclusions.