Funding a John Hancock Survivorship Policy with Home Equity – Without Using Cash on Hand

Well, you can. Meet Matt and Kathy.

Matt, 64, and Kathy, 59, are married and own a $3 million home free and clear, with no mortgage. They have a moderate 401(k) and a few other investments. But they want to maximize their estate for the benefit of their two adult children and four grandchildren.

By taking advantage of CHEIFS^℠, Matt and Kathy sell a minority fraction of their home to generate $362,442 in cash, which they then use to purchase a John Hancock Survivorship Policy, resulting in a significantly larger retained inheritance for their heirs.

This “second-to-die” life insurance policy offers a death benefit of $2,777,119 and a potential 137% increase  in the estate’s value.*

They secure both their future and that of their heirs without having to:

• Liquidate assets
• Use cash on hand

Matt and Kathy remain liquid, fully invested in their 401(k) and other investments, and can achieve their estate planning goals while retaining the benefits of homeownership. And, most importantly to them, they provide the opportunity for their children to retain their childhood home with a death benefit that can be used toward satisfying the CHEIFS in future years.

That’s how CHEIFS empowers homeowners to achieve financial success.

_{* Insurance product described for illustration only. Actual availability, terms, and eligibility may differ. Cornerstone is not affiliated with John Hancock Life Insurance Company or any agent or advisor, and it does not sell or place insurance products. This is not an advertisement or endorsement of the insurance provider or its products. Consumers should consult their insurance agent or advisor about specific products.}

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