It is important to have a comprehensive plan that insures the effective utilization of your assets throughout your retirement years, as well as the distribution of these assets to your heirs at death. Many want to leave a legacy and pass on a portion of their assets to their family, favorite charity or other non-profit organization.

If this is your desire, one timely and effective solution to help you accomplish this objective is Wealth Transfer. This strategy takes a portion of your inefficient assets and repositions them into a life insurance policy that offers more attractive financial results, as well as providing a simple and sure way to immediately increase your estate.

If you have assets such as CDs or money markets, you can significantly increase your ultimate value with a Life Foundations Whole Life (LFWL) policy from Illinois Mutual.

Financial advantages of LFWL include:

• Immediate increase in your estate
• Income tax-free death benefit
• Tax-deferred accumulation of money
• Avoidance of market risk
• Participating policy – pays dividends*