A living, growing legacy that pays out completely tax-free.
The Bright Path Legacy Fund is a strategic combination of permanent life insurance and trust planning — built to compound over time, protect against market loss, and pass real generational security to your children, grandchildren, and the people you love most.
- 100% tax-free payouts
- 0% market loss floor
- Trust-protected
- Built-in LTC rider
Two powerful tools. One lasting legacy.
The Bright Path Legacy Fund is built on two types of permanent life insurance, each designed to grow and protect wealth in a way no bank account, 401(k), or brokerage can match.
Indexed Universal Life (IUL)
Cash value tied to a market index like the S&P 500 — grows when the market rises, protected by a 0% floor when it falls.
- Tax-deferred growth under IRC §7702
- Tax-free retirement income via policy loans
- Built-in Long-Term Care rider option
- No contribution limits, no RMDs
Single Premium Whole Life
One deposit, fully funded for life. Instantly multiplies your money into a larger, guaranteed, income-tax-free death benefit.
- Death benefit immediately larger than deposit
- Guaranteed cash value growth from day one
- Policy never lapses — no more premiums
- Ideal for idle savings, CDs, or inheritance
Your legacy doesn't just pay out — it provides.
Without a trust, a life insurance payout becomes a lump sum that can be spent in months, claimed by creditors, or disqualify a beneficiary from government benefits. With a properly structured trust as the receiving vehicle, the death benefit becomes ongoing, tax-free income — distributed exactly the way you intend.
- Monthly or annual income distributions
- Milestone-based payouts (college, first home, business)
- Protection from creditors and judgments
- Special-needs beneficiary protection
- Continued growth inside the trust
- No probate — direct, private transfer
Why tax-free matters more than ever.
The U.S. tax code is constantly evolving, and tax rates are widely expected to rise in the coming decades. Traditional wealth-transfer methods — IRAs, 401(k)s, brokerage accounts — all carry tax obligations when money is withdrawn or inherited.
Life insurance death benefits paid to a beneficiary are income-tax free under IRC Section 101(a). When that benefit flows into a properly structured trust, distributions to your heirs can be managed to minimize or eliminate tax burdens entirely.
Your children don't receive a check that gets taxed by 20–37% before they can use it. They receive the full amount — exactly as you intended.
Built for families who think generationally.
Parents & grandparents
Who want to leave a structured, lasting financial gift — not just a one-time check.
Business owners
Looking to protect family wealth outside of business assets and create tax-advantaged liquidity.
Savers with idle cash
With a CD or savings account earning low interest, ready to multiply it through tax-advantaged growth.
Your loved ones deserve more than a one-time check.
They deserve a lifetime of financial security. Request a personalized illustration to see exactly what your numbers could look like — there's no obligation and no pressure.