The value of indexed life insurance in today’s legacy planning environment

As the Great Wealth Transfer reshapes the financial landscape, indexed life insurance can play a valuable role in helping clients preserve, grow and transfer wealth.

The Great Wealth Transfer is already underway. Over the next two decades, Baby Boomers are expected to pass $124 trillion in assets to their heirs.¹ For financial professionals, that creates an opportunity to revisit the role life insurance can play in helping clients preserve, grow and transfer wealth.

Balancing growth and protection

Some life insurance solutions focus primarily on providing a death benefit. Others offer accumulation tied to market performance, but expose clients to market risk. 

Indexed life insurance is different. It’s designed to help clients participate in market growth opportunities while protecting them from market downturns and providing a death benefit for beneficiaries.

Today’s indexed life insurance products offer more flexibility than many clients may realize. Some policies begin with a single premium payment, while others allow ongoing contributions over time. Certain products may also offer premium bonuses that can help accelerate accumulation. And many carriers now provide simplified digital underwriting, helping clients receive decisions faster.

Tax advantages

Indexed life insurance offers tax advantages that can support legacy planning. With these policies, the accumulation value grows tax-deferred, and beneficiaries generally receive the death benefit income tax-free — advantages that can help clients preserve more wealth for future generations.

Access to funds when plans change

While many clients purchase life insurance for the death benefit, today’s solutions can offer much more. Some policies include living benefits that provide access to funds for qualifying expenses related to chronic care, nursing home confinement or terminal illness. Others offer penalty-free withdrawal features and the ability to turn the death benefit into income in later years, providing flexibility if a client’s priorities change over time.

The time is now. You have a unique opportunity to help clients navigate the Great Wealth Transfer with solutions that help them protect their families and preserve and pass down the wealth they’ve worked hard to build.

Click here to learn about a dynamic legacy planning solution with index-linked growth potential and flexible living benefits.

1. “America’s Great Wealth Transfer: Young Clients Want Human Connection with Their Financial Advisors”; The Harris Poll; February 20, 2026; accessed June 29, 2026. Products underwritten, issued and distributed by EquiTrust Life Insurance Company, West Des Moines, Iowa.

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