Asset TransferAnnual
Life Insurance Policy
Payments
Under-performing asset
Single Premium Immediate Annuity
Death Benefit
Children or
Grandchildren
Income Stream Transfer
For Owner's life For spouse's life
Owner's IRA
Spouse's IRA
Asset TransferAnnual
Life Insurance Policy
Payments
Under-performing asset
Single Premium Immediate Annuity
Death Benefit
Children or
Grandchildren
Income Stream Transfer
For Owner's life For spouse's life
Owner's IRA
Spouse's IRA
Annual Payments
Children or Grandchildren
Life Insurance Policy
Annual
Distributions
Death Benefit available
to pay estate tax on IRA
Charitable Transfer
Asset
Transfer at death Child or
Grandchild
Life Insurance Policy
Charity
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