Most life insurance is structured with the maximum death benefit for the lowest premium.
Maximum funded life insurance challenges this conventional approach to purchasing life insurance. It calls for the maximum cash to be deposited into the policy via premium payments for the lowest possible death benefit. This policy design is optimal to provide good long-term rates of return and reward insureds for a long and healthy life. Annuities are often purchased based upon the tax attributes of annuity contracts without ever analyzing the costs and taxation of these contracts. Generally, annuities will include up-front loads as well as surrender charges.