Would you like to give more to your family and less to the government?

If your answer is "yes," you might want to consider this.

Here's the problem .

Many of us have a financial plan that includes an element of savings that you never plan to spend. You have invested some money that you intend to pass on to those you care about most.

The problem is this strategy's success is largely based on the investment's rate of return. And, unfortunately, the higher the return, the more tax you pay. This means your estate may end up smaller than you're anticipating.

What are your options?

You can continue to pay tax on the income earned from your savings or you can invest the funds using a permanent Life insurance policy.

This attractive alternative to taxable investments offers:

• a large, immediate estate value
• tax-sheltered growth of cash values
• a tax-free maturity value at death
• reduced estate settlement costs, if you've named a beneficiary
• potential for creditor protection, if you've made an appropriate
  beneficiary designation
• liquidity

The Life insurance solution .

The insurance solution moves savings from a tax-exposed investment to an exempt life insurance policy. A universal or whole life insurance policy provides immediate life insurance protection and an investment within the policy that accumulates on a tax deferred basis. When you die, your heirs receive the proceeds tax-free.

When you take advantage of this financial planning strategy, you not only increase the size of your estate, you also reduce the amount of tax you pay.

Here's an example of how this financial planning strategy uses Universal Life to provide a larger estate for your heirs.

Personal information			Female, age 60, non-smoker			Before tax investment rate for alternative			6.00%
Universal Life rate of return			6%
Initial death benefit			$500,000			After tax investment rate of alternative			3.30%
Deposits			$25,000 per year for 10 years
Personal tax rate		45%
Universal Life							Another investment alternative
Accumulated value	Before tax redemption value			Net estate value	Year		Annual interest	Tax payable		Net estate value
17,299	6,585			517,299	1		1,500	675		25,825
98,332	64,046			598,332	5		8,012	3,605		137,933
236,140	236,140			736,140	10		17,435	7,846		300,178
283,665	283,665			783,665	15		20,508	9,229		353,086
350,397	350,397			850,397	20		24,123	10,855		415,319
445,192	445,192			945,192	25		28,375	12,769		488,521

The Life insurance strategy can increase the amount of
cash that will go to your heirs by over
$450,000!

For more information on how Life insurance can help you "Beat The Taxman" and grow the value of your estate contact Barrons today.

This example is for illustration purposes only, while every attempt has been made to ensure the accuracy of this information Barrons or its affiliated companies cannot be held liable for errors or omissions. Actual numbers at time of illustration may vary.