give a gift that lasts a lifetimeThink About This…Purchasing a life insurance policy on the life of a young person can help establish the foundation for a lifetime of financial security.

What better gift can you give to a child or young adult than one that offers a lifetime of protection and financial security? A gift of permanent life insurance may provide the security and funds to provide assistance for a lifetime.

The policy you purchase for a child today can still be there years from now, providing death benefit protection for this child’s own spouse or children. And, if the cash value in the policy grows, it may be used through policy loans and partial withdrawals* for any number of purposes, such as:

• Funds to help with college expenses

• A down payment for a new home

• Money to start a new business venture

• Income for their own retirement decades from now

A permanent life insurance policy offers tax benefits as well. The policy cash values can be withdrawn utilizing partial surrenders and policy loans, with potentially no tax consequences*. Upon the death of the insured, the policy provides a tax-free death benefit to beneficiaries.

Few gifts have so much versatility and lasting value. Call me today to discuss how you can give the gift of life insurance.

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*Tax law permits a policy owner to withdraw life insurance policy cash values up to the policy owner’s basis or investment in the contract without income tax consequences. Loans and withdrawals will reduce the policy’s death benefit and cash value and may cause the policy to lapse. Withdrawals beyond basis may be taxable income. Excess and unpaid loans will reduce policy value and may cause the policy to lapse. If a policy lapses, unpaid loans are treated as distributions for tax purposes. For more information about the tax results of life insurance, consult your attorney or tax advisor. Policy guarantees are based upon the claims paying ability of the issuer.

This information is provided by Ameritas®, which is a marketing name for subsidiaries of Ameritas Mutual Holding Company, including, but not limited to, Ameritas Life Insurance Corp., located at 5900 O Street, Lincoln, NE 68510, Ameritas Life Insurance Corp. of New York, located at 1350 Broadway, Suite 2201, New York, NY 10018, and Ameritas Investment Corp., member FINRA/SIPC. Ameritas Life Insurance Corp. of New York is licensed in New York. Each company is solely responsible for its own financial condition and contractual obligations. For more information about Ameritas®, visit ameritas.com.

Ameritas® and the bison design are registered service marks of the Ameritas Life Insurance Corp. Fulfilling life® is a registered service mark of affiliate Ameritas Holding Company.

© 2014 Ameritas Mutual Holding Company

Ameritas Life Insurance Corp.Ameritas Life Insurance Corp. of New York