{"id":3967,"date":"2020-12-01T19:24:00","date_gmt":"2020-12-01T19:24:00","guid":{"rendered":"https:\/\/fusionwm.com\/?p=3967"},"modified":"2022-10-12T19:29:41","modified_gmt":"2022-10-12T19:29:41","slug":"using-life-insurance-for-charitable-giving","status":"publish","type":"post","link":"https:\/\/fusionwm.com\/using-life-insurance-for-charitable-giving\/","title":{"rendered":"Using Life Insurance for Charitable Giving"},"content":{"rendered":"\n<figure class=\"wp-block-image size-large\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"433\" src=\"https:\/\/fusionwm.com\/wp-content\/uploads\/2022\/10\/Screen-Shot-2022-10-12-at-1.28.17-PM-1024x433.jpg\" alt=\"\" class=\"wp-image-3972\" srcset=\"https:\/\/fusionwm.com\/wp-content\/uploads\/2022\/10\/Screen-Shot-2022-10-12-at-1.28.17-PM-1024x433.jpg 1024w, https:\/\/fusionwm.com\/wp-content\/uploads\/2022\/10\/Screen-Shot-2022-10-12-at-1.28.17-PM-300x127.jpg 300w, https:\/\/fusionwm.com\/wp-content\/uploads\/2022\/10\/Screen-Shot-2022-10-12-at-1.28.17-PM-768x325.jpg 768w, https:\/\/fusionwm.com\/wp-content\/uploads\/2022\/10\/Screen-Shot-2022-10-12-at-1.28.17-PM-1536x649.jpg 1536w, https:\/\/fusionwm.com\/wp-content\/uploads\/2022\/10\/Screen-Shot-2022-10-12-at-1.28.17-PM.jpg 1840w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<div style=\"height:29px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>We all know that life insurance can help us take care of our families. But it also can come in handy in a way that might surprise you: making the world a better place.<\/p>\n\n\n\n<p>Life insurance can help you magnify your charitable giving, enabling you to have a bigger impact in supporting the causes you care about and the organizations funding those causes.<\/p>\n\n\n\n<p>Here\u2019s how the Super Rich (people with a net worth of at least $500 million) often use life insurance to boost their philanthropy\u2014and how you might use their approach when it comes to your own giving.<\/p>\n\n\n\n<div style=\"height:33px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h1 class=\"has-text-color wp-block-heading\" style=\"color:#1d49a7\">Life insurance and private foundations<\/h1>\n\n\n\n<p>The Super Rich often set up private foundations to support charitable organizations and causes. Private foundations can exist in perpetuity or for a set period of time. That makes them highly appealing to many wealthy families, as the fact that foundations can last for multiple generations creates an opportunity for truly long-term family giving.<\/p>\n\n\n\n<p>That said, there have to be sufficient funds in the private foundation to do so. At a minimum, a private foundation needs to distribute at least 5 percent of its assets annually based on the previous year\u2019s calculation of those assets.<\/p>\n\n\n\n<p>The issue: Many private foundations don\u2019t start out with all the money they will ever need in order to last indefinitely and adequately address the causes they want to focus on. When a family wants to grow the funds in their private foundation, they have a few options (see Exhibit 3).<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img decoding=\"async\" width=\"936\" height=\"376\" src=\"https:\/\/fusionwm.com\/wp-content\/uploads\/2022\/10\/image-65.png\" alt=\"\" class=\"wp-image-3968\" srcset=\"https:\/\/fusionwm.com\/wp-content\/uploads\/2022\/10\/image-65.png 936w, https:\/\/fusionwm.com\/wp-content\/uploads\/2022\/10\/image-65-300x121.png 300w, https:\/\/fusionwm.com\/wp-content\/uploads\/2022\/10\/image-65-768x309.png 768w\" sizes=\"(max-width: 936px) 100vw, 936px\" \/><\/figure><\/div>\n\n\n<ul><li><strong>Professional money management.<\/strong> Very often the assets in a private foundation can grow through the efforts of talented investment professionals. The increase in assets greater than the distribution increases the money in the private foundation.<\/li><li><strong>The family adding assets to the private foundation.<\/strong> Aside from the assets used to establish the private foundation, the family can contribute more later on. As when they first established the private foundation, various types of assets can be contributed\u2014including shares of companies. Different charitable structures, such as trusts, can be part of this approach.<\/li><li><strong>Accepting donations from nonfamily members.<\/strong> A private foundation can also accept assets from others\u2014such as friends, companies and business associates. Although there are considerations that people need to be aware of, such as attention to self-dealing rules, this is a viable option.<\/li><li><strong>Using life insurance.<\/strong> Life insurance can be used to increase the assets in a private foundation. This can help ensure funding for charitable causes while not depleting assets that may be designated to heirs (such as business interests).<\/li><\/ul>\n\n\n\n<p>These approaches are not mutually exclusive, of course. For example, you can use life insurance <em>and<\/em> seek to grow assets through high-quality investment management strategies.<\/p>\n\n\n\n<div style=\"height:33px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h1 class=\"has-text-color wp-block-heading\" style=\"color:#1d49a7\">The benefits of using life insurance<\/h1>\n\n\n\n<p>Three parties can benefit when life insurance is part of a private foundation\u2019s assets (see Exhibit 4):<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img decoding=\"async\" width=\"892\" height=\"338\" src=\"https:\/\/fusionwm.com\/wp-content\/uploads\/2022\/10\/image-66.png\" alt=\"\" class=\"wp-image-3969\" srcset=\"https:\/\/fusionwm.com\/wp-content\/uploads\/2022\/10\/image-66.png 892w, https:\/\/fusionwm.com\/wp-content\/uploads\/2022\/10\/image-66-300x114.png 300w, https:\/\/fusionwm.com\/wp-content\/uploads\/2022\/10\/image-66-768x291.png 768w\" sizes=\"(max-width: 892px) 100vw, 892px\" \/><\/figure><\/div>\n\n\n<ul><li><strong>Founders of the private foundation.<\/strong> Because of certain characteristics of life insurance, such as the certainty of the payout, founders of a private foundation know how its assets will increase if they use life insurance to fund the foundation. This can help ensure they can pursue their philanthropic vision.<\/li><li><strong>Inheritors. <\/strong>By using life insurance to boost the foundation\u2019s asset size, families can avoid other family assets (or minimize their usage). These other assets in the estate can then be passed down to heirs.<\/li><li><strong>The private foundation.<\/strong> The certainty of the amount of the insurance policy\u2019s death benefit can be helpful when planning for future grant making. It can reduce or even eliminate issues around investment performance and the need for family members or other parties to contribute to the private foundation.<\/li><\/ul>\n\n\n\n<div style=\"height:33px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h1 class=\"has-text-color wp-block-heading\" style=\"color:#1d49a7\">Using life insurance with private foundations<\/h1>\n\n\n\n<p>Donors can take different approaches when using life insurance to help fund private foundations (see Exhibit 5):<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"936\" height=\"336\" src=\"https:\/\/fusionwm.com\/wp-content\/uploads\/2022\/10\/image-67.png\" alt=\"\" class=\"wp-image-3970\" srcset=\"https:\/\/fusionwm.com\/wp-content\/uploads\/2022\/10\/image-67.png 936w, https:\/\/fusionwm.com\/wp-content\/uploads\/2022\/10\/image-67-300x108.png 300w, https:\/\/fusionwm.com\/wp-content\/uploads\/2022\/10\/image-67-768x276.png 768w\" sizes=\"(max-width: 936px) 100vw, 936px\" \/><\/figure><\/div>\n\n\n<ul><li><strong>Donate a life insurance policy to the private foundation.<\/strong> The donor takes out a new life insurance policy and donates it to the private foundation, making the private foundation the beneficiary of the policy. The donor gets to take a charitable tax deduction, while the private foundation owns the policy and controls it. That means, for example, that the donor can\u2019t take loans against the cash account or cancel the policy.<\/li><li><strong>Make a gift of an existing life insurance policy. <\/strong>The donor makes the private foundation the beneficiary of a life insurance policy that\u2019s already in place. When the donor dies, the death benefit of the life insurance policy is transferred to the private foundation and the donor\u2019s estate receives a tax deduction at that time. During the donor\u2019s lifetime, he or she maintains control of the policy and can change the beneficiaries.<\/li><li><strong>The private foundation takes out life insurance policies on donors.<\/strong> The private foundation, with permission, can take out life insurance policies on donors (such as the founder or officers of the private foundation). The private foundation then owns, and is the beneficiary of, these policies.<\/li><\/ul>\n\n\n\n<p><strong>Note:<\/strong> A more recent development is the charitable gifting rider. These riders (provisions that add benefits to a life insurance policy) can, in general, pay 1 to 2 percent of a policy\u2019s face value to a private foundation annually. The charitable gift rider can be used in all three of the previously described approaches.<\/p>\n\n\n\n<div style=\"height:33px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h1 class=\"has-text-color wp-block-heading\" style=\"color:#1d49a7\">Implications for you<\/h1>\n\n\n\n<p>Chances are, you\u2019re not at the Super Rich level of wealth and don\u2019t have a private foundation of your own. But you can still take advantage of life insurance in many of the same ways as you seek to make a charitable impact of your own.<\/p>\n\n\n\n<p>For example, instead of cashing out an old policy you decide you no longer need, consider giving it to a charity or a donor-advised fund. The charity or charitable vehicle will receive the entire face amount of the policy upon your death\u2014which could represent a substantial windfall, and a larger amount of money than you might be able to donate otherwise.&nbsp;You can also take a tax deduction for this gift.<\/p>\n\n\n\n<p>Alternatively, you could name the charity or donor-advised fund of your choice as the&nbsp;beneficiary&nbsp;of your life insurance policy, which will give that charity the policy\u2019s death benefit proceeds. This strategy doesn\u2019t come with an income tax deduction, but it will reduce your taxable estate by the amount of the death benefit.<\/p>\n\n\n\n<p>There are other ways that life insurance could potentially play a role in your philanthropy, and your best bet is to discuss the topic with a trusted advisor to determine the right path for your situation.<\/p>\n\n\n\n<div style=\"height:33px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>This report was prepared by, and is reprinted with permission from, VFO Inner Circle.&nbsp; AES Nation, LLC is the creator and publisher of VFO Inner Circle reports.<\/p>\n\n\n\n<p>Disclosure: The opinions expressed in this commentary are those of the author and may not necessarily reflect those held by Kestra IS or Kestra AS. The material is for informational purposes only. It represents an assessment of the market environment at a specific point in time and is not intended to be a forecast of future events, or a guarantee of future results. It is not guaranteed by Kestra IS or Kestra AS for accuracy, does not purport to be complete and is not intended to be used as a primary basis for investment decisions. It should also not be construed as advice meeting the particular investment needs of any investor. Neither the information presented nor any opinion expressed constitutes a solicitation for the purchase or sale of any security. Securities offered through Kestra Investment Services, LLC (Kestra IS), member FINRA\/SIPC. Investment advisory services offered through Kestra Advisory Services, LLC (Kestra AS), an affiliate of Kestra IS.<\/p>\n\n\n\n<p>Fusion Wealth Management is not affiliated with Kestra IS or Kestra AS. <a href=\"https:\/\/www.kestrafinancial.com\/disclosures\" target=\"_blank\" rel=\"noreferrer noopener\">https:\/\/www.kestrafinancial.com\/disclosures<\/a><\/p>\n\n\n\n<p>VFO Inner Circle Special Report<br>By Russ Alan Prince and John J. Bowen Jr.<br>\u00a9 Copyright 2021 by AES Nation, LLC. All rights reserved.<\/p>\n\n\n\n<p>No part of this publication may be reproduced or retransmitted in any form or by any means, includ- ing, but not limited to, electronic, mechanical, photocopying, recording or any information storage retrieval system, without the prior written permission of the publisher. Unauthorized copying may subject violators to criminal penalties as well as liabilities for substantial monetary damages up to $100,000 per infringement, costs and attorneys\u2019 fees.<\/p>\n\n\n\n<p>This publication should not be utilized as a substitute for professional advice in specific situations. If legal, medical, accounting, financial, consulting, coaching or other professional advice is required, the services of the appropriate professional should be sought. Neither the authors nor the publisher may be held liable in any way for any interpretation or use of the information in this publication.<\/p>\n\n\n\n<p>The authors will make recommendations for solutions for you to explore that are not our own. Any recommendation is always based on the authors\u2019 research and experience.<\/p>\n\n\n\n<p>The information contained herein is accurate to the best of the publisher\u2019s and authors\u2019 knowledge; however, the publisher and authors can accept no responsibility for the accuracy or completeness of such information or for loss or damage caused by any use thereof.<\/p>\n\n\n\n<p>Unless otherwise noted, the source for all data cited regarding financial advisors in this report is CEG Worldwide, LLC. The source for all data cited regarding business owners and other professionals is AES Nation, LLC.<\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>We all know that life insurance can help us take care of our families. But it also can come in handy in a way that might surprise you: making the world a better place. Life insurance can help you magnify your charitable giving, enabling you to have a bigger impact in supporting the causes you [&hellip;]<\/p>\n","protected":false},"author":21,"featured_media":3971,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Using Life Insurance for Charitable Giving - Fusion Wealth Management<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/fusionwm.com\/using-life-insurance-for-charitable-giving\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Using Life Insurance for Charitable Giving - Fusion Wealth Management\" \/>\n<meta property=\"og:description\" content=\"We all know that life insurance can help us take care of our families. 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