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Gifts of Life Insurance - Gift-Replacement

Lifetime Insurance Diagram

How It Works

  • You create a gift plan like a Charitable Gift Annuity or a Unitrust that will pay you annual payments for your lifetime.
  • You also create a life insurance policy, naming your children or other heirs as beneficiaries. The amount of the death benefit replaces the contribution you made to create your life-income gift.
  • You pay the premiums for the policy from the income you are receiving from your life-income gift.
  • At your death, Anti-Defamation League Foundation receives the remaining balance of your gift plan, and your heirs receive cash in the amount of your original gift.

Benefits

  • You make a significant gift to Anti-Defamation League Foundation with no negative effect on your family's financial security.
  • After your gift, your estate is replenished for the benefit of your heirs.
  • No new assets are required to pay for this replacement: tax-savings from the charitable deduction plus income you receive from your new gift plan pay the premiums.
  • Donors with large families or children who will need long-term assistance can consider helping Anti-Defamation League Foundation at a level they never thought possible.
  • One asset can do the work of two: make a gift to Anti-Defamation League Foundation and provide an equal benefit to your heirs.

Next: Tell me more...

Please contact us so that we can assist you through every step of the process.

Questions and Answers


I’ve heard of an Irrevocable Life Insurance Trust. Should I use that to hold my policy?

Will I get to enjoy any of the income from my gift plan, or will all of it be applied to the life insurance policy premiums?



Compare Gift Plans Goals & Benefits Glossary Request Information

The professionals at our Department of National Planned Giving, Legacy and Endowments will be happy to discuss your interests, concerns and financial options, and work personally with you and/or your legal and financial advisors to create a plan that meets your needs and supports the Anti-Defamation League Foundation.

For more information, please contact:

Director of National Planned Giving, Legacy and Endowments
Anti-Defamation League Foundation (ADLF)
605 Third Avenue
New York, NY 10158
plannedgiving@adl.org
1-888-235-9710

This information is provided for educational purposes. The Anti-Defamation League Foundation and ADL are not financial, legal or tax advisors. Please contact your advisors regarding your financial, legal or tax needs.