Dear Planned Giving Director,
I would like to introduce you to Barbara. She donates $100 to your charity every year. She also has
$200,000 in a savings account earning 0.5% interest. She plans to leave these funds to her family or
donate them to your charity. She would donate a larger sum now, but she is worried that:
1) She won’t leave enough behind for her family.
2) She will develop a terminal or chronic illness and not be able to cover expenses.
3) She may need the money to help her family if something were to come up.
Wouldn’t it be nice if there were a way for Barbara to leave an increased legacy that also addresses her
concerns? I have a solution. It is the Liberty Series Estate Maximizer Next Generation®, a single
payment interest sensitive whole life insurance policy from Liberty Life Assurance Company of Boston.1
Reason #1:
At age 65, Barbara can make a onetime payment of $100,000, which purchases an immediate
guaranteed death benefit of $192,350.2 Barbara could name her children as beneficiaries of $100,000 and
your organization as the beneficiary of $92,350.
Reason #2:
With Liberty’s Living Benefit, an accelerated death benefit, should Barbara become terminally or
chronically ill as defined in the contract, she can elect to accelerate up to 90% of the death benefit while
she is still living.3
Reason #3:
Liberty Life guarantees a 100% return of principal backed by the full strength of Liberty Mutual Insurance
Company. 4, 5
As you have probably guessed there are likely many donors who would more open to making large gifts if
they had access to a life insurance policy that included the above benefits. I have enclosed a brochure
with additional information about the product features. Please call me at 520-990-0009 to discuss how we
can work together to help the Barbaras of the world.
Sincerely,
Curt G. Zacharias
1 Liberty Life Assurance Company of Boston, a Liberty Mutual company, issues Liberty Series Estate Maximizer Next Generation, a single payment interest-sensitive whole life
insurance contract, on policy forms SPWL-2010157, ICC10-SPWL-2010157 as applicable (SPWL-2010157 NY in New York) and state variations identified by state code.
Contract availability terms, conditions, and issue limitations may vary by state. Home office: Boston, Mass. Service center: Dover, N.H. 2 Guaranteed death benefit for a female,
age 65 making a $100,000 single payment, subject to Liberty Life’s underwriting eligibility requirements. 3 This benefit will be added to the contract at no additional charge
unless the contract owner declines it at time of application. Owner can elect to accelerate up to 90% of the death benefit ($250,000 maximum) if the insured has a terminal
condition or becomes chronically ill. A minimum of $10,000 must be elected and a minimum of $10,000 of face amount must remain after accelerated payment is made. A
processing fee of $100 will be applied. The amount received will be less than the amount elected because it is an early payment that is adjusted for interest, the processing fee
and a portion of any contract loan balance. Amounts received based on chronic illness may be considered taxable income if they exceed current IRS limits. Receipt of the
accelerated death benefit may affect eligibility for public assistance programs. Contract availability, terms, conditions and issue limitations may vary by state. Contract owners
should consult their tax advisor regarding any tax implications. 4 All guarantees are backed by the continued claims paying ability of Liberty Mutual Insurance Company. Claimspaying obligations are the sole responsibility of the policy issuing insurer. Obligations under a guarantee are the sole responsibility of the entity issuing the guarantee. 5 Unless
loans or withdrawals are made. Withdrawals and loans are subject to tax on any gain in the contract and, if taken before age 59 1/2, may be subject to a 10% federal tax
penalty. Loans, if not repaid, and withdrawals will reduce the death benefit and account value. Clients should consult a tax advisor.