In today's fast-paced world, successful individuals like you understand the importance of not just building wealth, but also preserving it for future generations . If you're looking for a way to safeguard your family's financial future while enjoying the fruits of your labor, Income Provenance Solitaire might be the solution you've been searching for. Let's dive deep into this exclusive insurance product designed for high-net-worth individuals .
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Income Provenance Solitaire is a premium life insurance plan that offers high coverage for death and terminal illness, along with wealth preservation features . It's specifically designed for individuals who want to leave a substantial legacy for their loved ones while still maintaining their current lifestyle.
Up to 320% of sum assured for death and terminal illness coverage. Protection lasts until age 85.
80% of your single premium is immediately available as cash value . This value grows over time, enhancing your wealth.
Available for policies with a minimum protection value of $3 million. Includes arranged medical check-ups and complimentary transport.
Enhance your protection with the Provenance Disability Accelerator rider.
Access to specially curated treats and privileges.
If you pass away or are diagnosed with a terminal illness before age 85, your beneficiaries will receive: 100% of sum assured, PLUS 100% of bonuses, OR the minimum protection value , whichever is higher.
From day one, your policy has a guaranteed cash value of 80% of your single premium . This value grows over time, providing you with a liquid asset if needed.
If you add the Provenance Disability Accelerator rider, you're covered for TPD until age 70. If you become totally and permanently disabled, you'll receive: 100% of the rider's sum assured, PLUS pro-rated bonuses of the basic policy, OR 100% of the rider's minimum protection value , whichever is higher.
William, a 45-year-old non-smoker with $2.5 million in cash, wants to leave an inheritance while maintaining his lifestyle. With Provenance Solitaire, he can leave a substantial inheritance of $2,016,000 and still have $1,971,430 for retirement .
Richard, a 55-year-old business owner, uses Provenance Solitaire to fairly distribute his assets between his children with different career paths . He can leave his IT business to one child and use the $10,000,000 insurance payout for the other.
Income Provenance Solitaire is a single premium plan , meaning you pay once for lifelong coverage. The cost depends on factors like your age, health, and desired coverage amount. For example:
Remember, these are just examples. Your actual premium will be tailored to your specific situation.
High coverage (up to 320% of sum assured)
Immediate and guaranteed cash value
Flexibility in estate planning and asset distribution
Optional TPD coverage
Complimentary medical concierge service for high-value policies
Requires a significant upfront payment
May not be suitable for those without substantial assets
Bonuses are not guaranteed and depend on fund performance
The minimum protection value is guaranteed, but bonuses depend on fund performance.
Yes, but the surrender value may be less than the premiums paid, especially in the early years.
Yes, the maximum entry age is 75 years old.
It's best to add it when you purchase the policy. Check with an advisor for specific options.
Bonuses are not guaranteed and depend on the performance of Income's Life Participating Fund.
Income Provenance Solitaire offers a unique combination of high coverage, wealth preservation, and estate planning features . It's designed for high-net-worth individuals who want to leave a substantial legacy while maintaining their current lifestyle. The plan's flexibility allows for creative solutions to complex estate planning situations, such as business succession or asset equalization among heirs.
However, it's important to remember that this is a significant financial commitment . The single premium is substantial, and while there's an immediate cash value, it's less than the premium paid. The plan's value truly shines in its long-term benefits and the peace of mind it provides for your family's future.
Before making a decision, carefully consider your financial goals, current assets, and family situation. It's crucial to consult with both a financial advisor and a legal professional to ensure this plan aligns with your overall estate planning strategy.
Remember, the best financial plan is one that's tailored to your unique situation and goals. If you're considering Income Provenance Solitaire or any other high-value insurance product, it's wise to get multiple expert opinions.
Ready to explore your options further? Don't rely on just one perspective. Get expert insights tailored to your unique needs. Sign up now to receive 5 expert opinions on legacy planning and high-value insurance products. These professionals will review your specific situation and provide personalized recommendations, helping you make the most informed decision possible.
By consulting with multiple experts, you'll gain a comprehensive understanding of your options and ensure you're choosing the best strategy to preserve your wealth and secure your family's future. Don't leave your legacy to chance – get the expert advice you deserve today .
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