Planning strategies
Charitable Giving & Legacy Planning
Many of the families we work with want to give meaningfully and still provide fully for their heirs. Life insurance is often what makes both possible at once — replacing the value of a charitable gift, or serving as the gift itself.
Who this is for
Families with philanthropic intent and heirs to protect
Owners planning a liquidity event who want to direct part of the proceeds to charity. Families with a private foundation or donor-advised fund. Anyone weighing a bequest to an institution that matters to them, and wanting to understand the trade-off with what passes to family.
Approaches
How the pieces fit
Wealth replacement
Pair a charitable remainder trust or an outright gift of an appreciated asset with an ILIT-owned policy that restores the gifted value to heirs — often funded by the tax savings and income the charitable structure produces.
Life insurance as the gift
Name a charity as owner and beneficiary of a new policy, or donate an existing policy that has outlived its original purpose — converting a modest premium into a larger future gift, with a current deduction.
Endowment & bequest funding
Use a policy to guarantee a future endowment or pledge amount regardless of how markets or the estate perform, coordinated with the institution’s gift-planning office.
Legacy equalization
Where one child will receive the business or the homestead, a policy can bring the other children to parity without selling anything.
What we do
Model the trade-off, then coordinate
We model the give-versus-keep decision in real numbers — the deduction, the income stream, the estate-tax effect, and what actually reaches heirs under each approach. Then we design and place the insurance and coordinate it with your attorney, your CPA, and the charity’s gift-planning staff.
Note: Charitable techniques are driven by your legal and tax advisors. Our role is the insurance that makes the plan work and the modeling that lets everyone see the result.
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