Dynasty ILIT Wealth Replacement Solver

Underwrite funding permanent survivorship universal life policies inside an irrevocable trust, ensuring death benefits remain 100% excluded from both grantor and beneficiary gross taxable estates.

Policy Death Benefit & Premium Gifts

Face Value Death Benefit Policy ($ USD)

Annual Crummey Tax-Free Gift Funding ($ / yr - e.g. $85,000)

Actuarial Funding Horizon (Years - e.g. 20 yrs)

Tax-Free Liquidity & Estate Slashed

Guaranteed 100% Income & Estate Tax-Free Payoff

$10,000,000 Tax-Free Cash to Heirs

Direct 40% Federal Estate Taxes Avoided

+$4,000,000 Estate Tax Slashed

Cumulative Insurance Premium Leverage Ratio

5.88x Net Capital Return