Five Reasons to Treat Life Insurance as an Asset Class

The traditional view of life insurance regards it simply as a tool to pay off debt, replace lost income, or to fund estate taxes. But a broader perspective reveals the value of treating life insurance as a unique asset class.


Within the profession and among the general public, there has been a long-standing limited view of life insurance as just a tool to accomplish one of three goals: pay off debt, replace lost income upon death of a wage earner, or fund estate taxes. But life insurance, wielded properly, can be so much more powerful for a policyowner’s long-term financial goals and wealth management strategy.

Life insurance is an asset class that can deliver tremendous value. It can serve as a safety net to cushion other financial investments and secure a strong retirement and legacy plan. It can help financial professionals gain entrée into the next generation within clients’ families. It can be leveraged for its unique tax characteristics, especially with new tax proposals currently floating around Congress and the White House.

None of these additional benefits can be explored if you’re maintaining an outdated view of life insurance. Read on to see why it’s so important to treat life insurance as an asset.

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Consider these five reasons life insurance should be treated as an asset and the enormous value financial professionals can gain when broadening their perspective.