Do you run to the top of the spreadsheet and quote another MYGA rate…
or would you rather show your client how the same $100K can be worth $180K tax-free on Day 1?
Even the highest-paying fixed rates today only grow $100K into about $132,565 after five years — and it’s taxable.
With single-pay life, your client has something they can use immediately — with tax efficiency and multiple safety nets built in.
👉 Legacy Boost – $180,000 tax-free immediately to their family (projected to grow to $305,155 at life expectancy)
👉 Chronic Illness Protection – up to $2,996/month or $134,750 lump sum
👉 Nursing Care Coverage – up to $4,993/month or $152,750 lump sum
👉 Terminal Illness Advance – $170,750 lump sum if the worst happens
👉 Longevity Insurance – income option at age 85: $3,000–$4,386/month for 5 years
👉 Safety Net – 100% Return of Premium if they ever want their money back
This isn’t about ditching annuities — MYGAs and CDs both serve a role. But when your client is healthy enough to qualify, single-pay life gives you another lever to pull.
It’s about showing clients more ways to protect their money, their family, and their future — all from the same rollover check.
Life Insurance Awareness Month is the perfect time to have this conversation. Instead of quoting just rates, ask:
“Would you rather grow your $100K into $132K taxable over five years… or have $180K tax-free on day one with built-in protections?”
That single question reframes the value of life insurance — and helps you stand out as more than just a “rate shopper.”
👉 At Synergy, we provide the side-by-side comparisons, case studies, and scripts to help you win these CD rollover conversations.