Case Study - Modern life insurance for legacy and living benefits
The Keller family wanted more than just a death benefit — they needed coverage that provided real-life value. We delivered.
- Client
- Keller Family
- Year
- Service
- Life Insurance Planning
Overview
Like many families, the Kellers purchased life insurance years ago and hadn’t thought much about it since. But as their financial goals evolved, so did their needs.
We conducted a policy review and identified better options — including permanent life insurance with living benefits, which give them access to their coverage while they’re alive.
Now, the Keller family has a plan that protects their income, covers long-term care if needed, and builds tax-advantaged cash value they can use down the road.
What we did
- Policy Review
- Living Benefits
- Cash Value Design
- Legacy Planning
Fortiguard changed how we think about life insurance. It’s not just for the “what if” — it’s something we can use to build security now and leave a lasting legacy.
Client
- Tax-free death benefit
- 100%
- Access to living benefits
- Immediate
- Projected cash value in 10 years
- $38k
- Coverage increase with zero premium change
- 2X