Position a suitable portion of long-term money for principal protection from negative index performance plus index-linked accumulation potential.
One policy insures two lives and generally pays after the second death, creating a dedicated benefit for heirs, trusts or estate objectives.
Separate growth, liquidity, protection, income and legacy into intentional planning buckets.
Don't make every dollar do the same job. Give every dollar a purpose.
Negative index performance does not by itself create a negative indexed-interest credit; withdrawals and contract provisions still matter.
Interest can be linked to eligible indexes without directly owning the underlying securities.
ATHOS allows eligible indexed accounts to Reset or Extend, subject to current contract terms and rates.
Interest generally compounds tax-deferred until distributed; taxable gains are generally ordinary income.
Illustrative only — not actual ATHOS performance. Nassau states that on Extend, 90% of the highest Daily Account Value as of each contract anniversary during the segment is protected.
Survivorship life generally pays after the second insured dies, making it especially useful for multigenerational and estate planning.
Instead of hoping a portfolio has a certain amount left over, the couple can intentionally fund a death-benefit objective.
Under current federal rules, life-insurance death proceeds are generally excluded from the beneficiary's gross income, subject to exceptions.
Certain SUL/IUL designs may build cash value accessible through withdrawals and policy loans when properly structured.
Not automatic “tax-free income.” Basis, MEC status, policy performance, loan interest, withdrawals and lapse risk determine whether access remains tax-advantaged.
What should children, grandchildren, charities or trusts ultimately receive?
Evaluate whether a properly structured SUL can fund some or all of that future objective.
Separate growth, liquidity, market protected accumulation and retirement income.
That can change the retirement conversation from:
Evaluate creating the intended legacy through life insurance rather than requiring the investment portfolio alone to preserve it.
Create a protected-accumulation bucket for suitable retirement assets.
Maintain appropriate assets for long-term appreciation, liquidity and inflation exposure.
Evaluate how much the couple can responsibly enjoy, distribute or convert to income once the legacy has its own strategy.
Tax treatment depends on contract structure, account type and individual circumstances. Coordinate with tax and legal professionals.
ATHOS is accumulation-focused. Its primary story is protected, index-linked accumulation — not automatically a lifetime-income rider.
Annuities can be structured to provide lifetime income through annuitization or specific guaranteed-income features/products, subject to contract terms.
Life insurance is primarily protection and legacy planning. Cash value may supplement retirement liquidity, but it is not the same as an annuity's contractual lifetime-income guarantee.
Market-based assets
Long-term appreciation
Cash + accessible assets
Near-term needs
ATHOS / suitable FIA
Protected accumulation
SS + pension + income solutions
Retirement cash flow
SUL / life insurance
Second-death legacy
The objective is coordination: each bucket solves a different retirement or legacy risk.
Keep adequate emergency and near-term spending reserves outside surrender-charge products.
Confirm time horizon, state availability, current crediting choices, surrender schedule, free-withdrawal terms and MVA provisions.
Stress-test illustrated and guaranteed values; underwriting and premium design materially affect results.
Excess funding can trigger MEC treatment; loans reduce values and may create taxation if a policy lapses or is surrendered with gain.
Personal versus trust ownership can affect control, gifts and estate-tax outcomes.
Revisit annuity strategies, policy performance, beneficiaries, tax law, spending needs and family goals.
At Provest Wealth Strategies, your financial success is our top priority. Whether you have questions about our services, need advice on your investment strategy, or want to schedule a consultation, our team of experienced professionals is ready to assist you.
Educational material only; not individualized tax, legal, investment or insurance advice. Product features, rates and availability can change. Review current carrier materials, illustrations and contracts and consult qualified legal/tax professionals before implementation. Illustrative charts are hypothetical and do not represent actual ATHOS performance.
Insurance Consulting Disclosure: PROVEST provides insurance planning and consulting only. We are not registered investment advisers and do not provide investment advice, portfolio management, or securities recommendations.
