For Producer Use Only. Not to be Used with Existing or Prospective Customers. A3RB-0819-04E2

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Multigenerational Legacy Program

Opportunity Advantages Planning How It Works Market Assistance

Advantages Across Generations

Meeting Your Client’s Multigenerational Needs

Generation 1 – Grandparents

Generation 2 – Adult Children

Generation 3 – Grandchildren

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Opportunity Advantages Planning How It Works Market Assistance

Meeting Planning Goals for Generation 1 – Grandparents

Preserve and control assets to positively impact children and grandchildren with:

Efficient use of assetsAbility to maintain control of assets and desired distributionProvide a legacy that will have an enduring impact

Advantages Across Generations

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Opportunity Advantages Planning How It Works Market Assistance

Advantages Across Generations

Meeting Planning Goals for Generation 2 – Adult Children

Create possibilities that help meet planning goals by:

Increasing financial securityProviding potential source of income for:

– Supplemental retirement income– Education funding– Other financial planning goals

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Opportunity Advantages Planning How It Works Market Assistance

Meeting Planning Goals for Generation 3 – The Grandchildren

Create a legacy by:

Providing financial protectionImproving financial well beingPotential source for education funding

Advantages Across Generations

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Opportunity Advantages Market AssistancePlanning How It Works

Multigenerational Legacy Planning

Helps clients maintain control and efficiently use their assets to benefit future generations.

Uses permanent life insurance to provide both death benefit and possibilities through cash value to meet planning objectives.

Planning Concept Overview

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Opportunity Advantages

Opportunity Advantages Market AssistancePlanning How It Works

Permanent Life Insurance Helps Maintain Control

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Planning Concept Overview

Note: Policy structure may vary based on client’s specific needs and goals.

Generation 1(Grandparents)

Penn MutualLife Insurance Policy

Multigenerational Trust

Generation 3(Grandchildren)

Premium Payments

Policy Transferred at Generation 1’s death

Death Benefit

Access to policycash values

Generation 2(Adult Child/Children)

Generation 2(Adult Child/Children),

Generation 3(Grandchildren)

Insured(s)

IncomeBeneficiary(s)

Ste

p 1

Ste

p 2

Ste

p 4

Ste

p 3

Opportunity Advantages Planning How It Works Market Assistance

Targeting Prospects

This Planning Solution Would be Ideal for Affluent Clients Who:

Are age 60 or olderSeek a way to positively impact future generations by leaving a legacyDo not have estate tax concerns, but want to transfer wealth in an effective and efficient mannerAre living comfortably in retirement and have some liquid assets that are not needed to maintain their standard of living

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