Sample Cases

Assumptions

See Notes Below

Our first example is for a couple, both age 68 who own a $100,000 deferred annuity for which they paid $70,000 five years ago. The current renewal rate is 6%; the current income tax is 28%. Their taxable estate is currently less than $600,000 and no estate tax is the assumption in this example.

The couple cannot foresee needing this asset and are simply parking it tax-deferred to leave to their children.

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