Life. Life. on Metropolitan Life Insurance Company 200 Park Avenue New York, NY metlife.com. A New Look. Cash Value Life Insurance as an Asset
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1 LIFE INSURANCE Cash Value Insurance as an Asset Cash Value Insurance Cash value life insurance can be designed to provide your clients with cash value accumulati while still protecting them and their loved es alg the way. With no income ctributi limits, tax-deferred growth and tax-favored distributis2 coupled with the protecti of an income tax-free death benefit, this asset may be an appealing soluti for supplemental income, as well as efficient wealth transfer. Cash value life insurance can be a powerful soluti to many of your clients needs, providing life insurance protecti in additi to a potentially valuable asset within your clients portfolios. Income tax-free death benefit paid to beneficiary Potential for wealth accumulati through taxdeferred growth of policy cash values No funding limits based income By understanding the power of cash value life insurance, your clients can take ADVANTAGES OF CASH VALUE LIFE INSURANCE Potential for income tax-free withdrawals and policy loans2 No 10% penalty tax cash value distributis prior to age 59½2 The informati ctained in this document is not intended to (and cannot) be used by anye to avoid IRS penalties. This document supports the promoti and marketing of insurance or other financial products and services. Clients should seek advice based their particular circumstances from an independent tax advisor since any discussi of taxes is for general informatial purposes ly and does not purport to be complete or cover every situati. Met, its agents, and representatives may not give legal, tax or accounting advice and this document should not be cstrued as such. Clients should cfer with their qualified legal, tax and accounting advisors as appropriate. All guarantees are subject to the claims-paying ability and financial strength of the issuing insurance company. March 2014 Insurance Products: Not A Deposit Not FDIC-Insured Not Insured By Any Federal Government Agency Not Guaranteed By Any Bank Or Credit Uni May Go Down in Value 2 Loans and withdrawals will decrease the cash value and death benefit. Distributis are generally treated first as tax-free recovery of basis and then as taxable income, assuming the policy is not a Modified Endowment Ctract (MEC). However, different rules apply in the first fifteen policy years, when distributis accompanied by benefit reductis may be taxable prior to basis recovery. N-MEC loans are generally not subject to tax but may be taxable when the policy lapses, is surrendered, exchanged or otherwise terminated. In the case of a MEC, loans and withdrawals are taxable to the extent of policy gain and a 10% penalty may apply if taken prior to age 59½. Always cfirm the status of a particular loan or withdrawal with a qualified tax advisor. Cash value accumulati may not be guaranteed depending the type of product selected. Investments in variable life insurance are subject to market risk, including loss of principal. Metropolitan Insurance Company 200 Park Avenue New York, NY metlife.com BDVL23694 L [0315] 2014 METLIFE, INC. PEANUTS 2014 Peanuts Worldwide LLC For more informati, ctact Met Snoopy watering IF.ai
2 Cash Value Insurance as an Asset In today s envirment many clients are re-evaluating their priorities and how they prepare for the future. Many have exhausted their opportunities to save in tax-advantaged retirement accounts. And many are inadequately prepared to provide for their families in the event of an untimely death. One way clients are choosing to help supplement income is through cash value life insurance. 1 While the primary purpose of life insurance is the death benefit protecti, it is important to understand the advantages cash value accumulati can provide to clients. With the changing landscape of the ecomy, limitatis to traditial investments, the shifting expectatis of retirement and the current and future taxati of investment vehicles, clients are often left wdering what optis they have to appropriately save for the future. Cash value life insurance can be designed to offer a supplemental approach that can help resolve these issues, with its unique tax-favored accumulati, distributi and transfer capabilities. Future Taxati The unknown impact of future taxati can be problematic. Clients cannot simply prepare for what is known today, but what could also happen in the future. While it is impossible to predict the future of taxes, as it will experience many changes, reviewing past trends can provide insight of where we are in relative terms of taxati through the years. This is a comm practice used for trending market returns, but seldom used to trend taxati. As taxes have a significant impact the transiti of retirement savings into retirement income, it is important to csider the effect potential taxes will have assets. With properly structured cash value life insurance, your clients can protect their loved es and as an added benefit, help minimize exposure to adverse tax impact by allocating savings to an asset with tax advantages. This acti has the potential to enhance their financial goals. When comparing the current top marginal tax rate to the average top marginal tax rate over the last 100 years, the current rate is well below the average. Average top tax rate from : 58.8% Average top income tax threshold from (not adjusted for inflati): $578,064 US Federal marginal income tax rates RATE (%) YEAR Investments in variable life insurance are subject to market risk including loss of principal. Please note: This document is designed to provide introductory informati the subject matter. Met does not provide tax and legal advice. Clients should csult their attorney and/or tax advisor before making financial investment or planning decisis. Source: Internal Revenue Service, Statistics of Income Bulletin (Publicati 1136), Winter Updated annually with current rates.
3 Tax Diversificati How much clients save and where they invest may be e of the most important decisis in the planning process. Market diversificati is a fundamental investing strategy, but seldom is tax diversificati a topic of discussi. Examine the taxati of clients investments both now and in the future, as their retirement outlook could be hindered by an uncertain tax market. Traditial investment vehicles, such as qualified plans and deferred annuities have many advantages, but e major disadvantage is that earnings and pre-tax ctributis are all taxed as ordinary income when withdrawn in retirement. Persal investments are generally taxed at capital gains and dividend rates that under current law can be more favorable than those taxed as ordinary income. Therefore, you may want to csider diversifying your clients portfolios not just from a market perspective, but also from a tax perspective, in anticipati of what future taxati may look like. Properly structured cash value life insurance offers the opportunity to have tax-deferred cash accumulati that can be transitied into a tax-favored retirement income via policy loans and withdrawals. 2 Tax Treatment Comparis 2 Qualified Plans/IRAs 3 Persal Investments Deferred Annuities Insurance Ctributi/ Premium Pre-tax After-tax After-tax After-tax Accumulati Tax-deferred Taxable when realized 4 Tax-deferred Tax-deferred Distributi/ Withdrawal Taxable as ordinary income Taxable when realized 4 Taxable as ordinary income Tax-favored 5 Death Benefits Taxable as IRD 6 Stepped-up basis Gain taxable as IRD 6 Income tax-free 5 Characteristics/ Trade Offs Pre-59½ penalty Liquid Pre-59½ penalty, fees, loss of access to principal Insurability plus going cost of insurance 7 3 Traditial IRAs. 4 Persal, n-tax exempt investments, depending the type of asset class, may be taxed as they increase in value or when a gain is distributed. Clients should csult with their own tax advisor for details. 5 Tax-favored distributis assumes the policy is not a Modified Endowment Ctract (MEC): see footnote e for additial details. 6 Income in Respect of a Decedent (IRD). 7 insurance and annuities have going policy and ctract charges, as well as surrender charges, that do not apply to other products, which may have their own fees and charges. Internal Rate of Return (IRR) The process of IRR is e way that can be used to determine the financial efficiency of any asset. IRR is the annualized percentage of growth inside of an asset. When looking at life insurance as an alternative to supplement a client s income, it is also important to csider the policy s IRR. When calculating the IRR of a properly structured cash value life insurance policy it is important to remember that it has tax-favored withdrawals and loans. 2 This means that when comparing the performance of various funding vehicles including cash value life insurance, you should also csider the tax-equivalent yield. Tax-equivalent yield incorporates the tax bracket of the client to determine the rate of return needed in a taxable positi to earn equivalent income in a vehicle that allows tax-free access to funds, like cash value life insurance. Look to the chart the right to help you quickly determine the impact of taxati IRR. 2 Tax Equivalent Yield tax rate IRR 35% 30% 25% 3.00% 4.62% 4.29% 4.00% 4.00% 6.15% 5.71% 5.33% 5.00% 7.69% 7.14% 6.67% 6.00% 9.23% 8.57% 8.00% This means that, given our assumptis, if cash value life insurance has an IRR of 4.00%, then your client would have to earn 6.15% in an asset subject to taxati at a 35% rate as it increases in value. Keep in mind for purposes of comparing asset classes that persal life insurance premiums are paid with after tax dollars. This example is for illustrative purposes ly. It assumes the policy is not a MEC, that loans and withdrawals do not cause the policy to lapse and the policy is held until death.
4 LIFE INSURANCE Cash Value Insurance as an Asset Cash Value Insurance Cash value life insurance can be designed to provide your clients with cash value accumulati while still protecting them and their loved es alg the way. With no income ctributi limits, tax-deferred growth and tax-favored distributis2 coupled with the protecti of an income tax-free death benefit, this asset may be an appealing soluti for supplemental income, as well as efficient wealth transfer. Cash value life insurance can be a powerful soluti to many of your clients needs, providing life insurance protecti in additi to a potentially valuable asset within your clients portfolios. Income tax-free death benefit paid to beneficiary Potential for wealth accumulati through taxdeferred growth of policy cash values No funding limits based income By understanding the power of cash value life insurance, your clients can take ADVANTAGES OF CASH VALUE LIFE INSURANCE Potential for income tax-free withdrawals and policy loans2 No 10% penalty tax cash value distributis prior to age 59½2 The informati ctained in this document is not intended to (and cannot) be used by anye to avoid IRS penalties. This document supports the promoti and marketing of insurance or other financial products and services. Clients should seek advice based their particular circumstances from an independent tax advisor since any discussi of taxes is for general informatial purposes ly and does not purport to be complete or cover every situati. Met, its agents, and representatives may not give legal, tax or accounting advice and this document should not be cstrued as such. Clients should cfer with their qualified legal, tax and accounting advisors as appropriate. All guarantees are subject to the claims-paying ability and financial strength of the issuing insurance company. March 2014 Insurance Products: Not A Deposit Not FDIC-Insured Not Insured By Any Federal Government Agency Not Guaranteed By Any Bank Or Credit Uni May Go Down in Value 2 Loans and withdrawals will decrease the cash value and death benefit. Distributis are generally treated first as tax-free recovery of basis and then as taxable income, assuming the policy is not a Modified Endowment Ctract (MEC). However, different rules apply in the first fifteen policy years, when distributis accompanied by benefit reductis may be taxable prior to basis recovery. N-MEC loans are generally not subject to tax but may be taxable when the policy lapses, is surrendered, exchanged or otherwise terminated. In the case of a MEC, loans and withdrawals are taxable to the extent of policy gain and a 10% penalty may apply if taken prior to age 59½. Always cfirm the status of a particular loan or withdrawal with a qualified tax advisor. Cash value accumulati may not be guaranteed depending the type of product selected. Investments in variable life insurance are subject to market risk, including loss of principal. Metropolitan Insurance Company 200 Park Avenue New York, NY metlife.com BDVL23694 L [0315] 2014 METLIFE, INC. PEANUTS 2014 Peanuts Worldwide LLC For more informati, ctact Met Snoopy watering IF.ai
5
6 LIFE INSURANCE Cash Value Insurance as an Asset Cash Value Insurance Cash value life insurance can be designed to provide your clients with cash value accumulati while still protecting them and their loved es alg the way. With no income ctributi limits, tax-deferred growth and tax-favored distributis2 coupled with the protecti of an income tax-free death benefit, this asset may be an appealing soluti for supplemental income, as well as efficient wealth transfer. Cash value life insurance can be a powerful soluti to many of your clients needs, providing life insurance protecti in additi to a potentially valuable asset within your clients portfolios. Income tax-free death benefit paid to beneficiary Potential for wealth accumulati through taxdeferred growth of policy cash values No funding limits based income By understanding the power of cash value life insurance, your clients can take ADVANTAGES OF CASH VALUE LIFE INSURANCE Potential for income tax-free withdrawals and policy loans2 No 10% penalty tax cash value distributis prior to age 59½2 The informati ctained in this document is not intended to (and cannot) be used by anye to avoid IRS penalties. This document supports the promoti and marketing of insurance or other financial products and services. Clients should seek advice based their particular circumstances from an independent tax advisor since any discussi of taxes is for general informatial purposes ly and does not purport to be complete or cover every situati. Met, its agents, and representatives may not give legal, tax or accounting advice and this document should not be cstrued as such. Clients should cfer with their qualified legal, tax and accounting advisors as appropriate. All guarantees are subject to the claims-paying ability and financial strength of the issuing insurance company. March 2014 Insurance Products: Not A Deposit Not FDIC-Insured Not Insured By Any Federal Government Agency Not Guaranteed By Any Bank Or Credit Uni May Go Down in Value 2 Loans and withdrawals will decrease the cash value and death benefit. Distributis are generally treated first as tax-free recovery of basis and then as taxable income, assuming the policy is not a Modified Endowment Ctract (MEC). However, different rules apply in the first fifteen policy years, when distributis accompanied by benefit reductis may be taxable prior to basis recovery. N-MEC loans are generally not subject to tax but may be taxable when the policy lapses, is surrendered, exchanged or otherwise terminated. In the case of a MEC, loans and withdrawals are taxable to the extent of policy gain and a 10% penalty may apply if taken prior to age 59½. Always cfirm the status of a particular loan or withdrawal with a qualified tax advisor. Cash value accumulati may not be guaranteed depending the type of product selected. Investments in variable life insurance are subject to market risk, including loss of principal. Metropolitan Insurance Company 200 Park Avenue New York, NY metlife.com BDVL23694 L [0315] 2014 METLIFE, INC. PEANUTS 2014 Peanuts Worldwide LLC For more informati, ctact Met Snoopy watering IF.ai
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