In this case study, a client’s review with his insurance professional led to a 1035 exchange (PDF) from his whole life policy into a Symetra Protector Indexed Universal Life policy.

Life Insurance as a Financial Tool (LIFT) shows clients how permanent life insurance can help protect their family, provide supplemental retirement income and efficiently pass on their estate.

Securian’s signature LIFT strategy uses life insurance cash value to supplement retirement distributions, which can result in a lower effective tax rate in retirement.