Beyond Savings Account: 3 Ways Investing Can Help You Plan for the Future without Sacrificing the Present

Securing a solid financial future for yourself and your chosen beneficiaries means investing and growing your wealth for future needs as well as for unexpected events. Oftentimes, an investment is for the sole purpose of accumulating wealth for future use. The good news is you now have options to do it without compromising your funds for today. These product options also let you protect your wealth for future transfer, such as life insurance plans that allow you to invest in an income-paying fund. 

A variable unit-linked (VUL) plan combines protection and investment in one product. It provides death benefits from life insurance and can be enhanced with critical illness and disability coverage while allowing your money to grow by allowing you to invest in equities and bonds in different local or global markets. Through these benefits, a VUL plan also becomes a good wealth management solution. One example of a VUL plan is Asset Master, which is designed to meet your wealth growth, preservation, and transfer needs. With life insurance coverage, you can safeguard yourself and the things that matter to you in case the unexpected happens.  And here's the best part: a significant portion of your wealth in insurance means it seamlessly transfers without being subject to estate taxes, so you can also protect its value for the future.  

In addition, Asset Master is an estate planning solution that not only gives life insurance coverage but also allows you to invest in an income-paying fund that can give periodic payouts when you choose it with the AXA Global Assets Income Paying (GAIN) Fund.  

AXA GAIN Fund is a globally diversified investment fund that strategically puts your money in global equities and fixed-income assets, ensuring steady returns even during unpredictable market conditions. AXA GAIN Fund also gives semi-annual cash payouts so you can enjoy the fruits of your investment as a regular source of income and maintain your lifestyle. 

Whether you are retiring, building a secure future for your family, or growing your wealth, here’s how the Asset Master with AXA GAIN Fund can help you achieve your goals while enjoying your investments today: 

1) Preserve the value of your estate     

Life insurance is an excellent way to keep your wealth intact for your beneficiaries, with a guaranteed sum insured higher than your investment amount or premium. Asset Master, for example, guarantees a life insurance benefit payout of at least 125% of your single premium, regardless of how your policy performs. 

2) Transfer your estate to your chosen beneficiaries when they need it  

With a product like Asset Master, you can have the peace of mind that your life insurance proceeds can cover any immediate costs or expenses that must be paid soon after an unexpected event. This includes estate taxes (from other forms of assets outside insurance) and burial expenses.  

Having liquid assets like insurance is essential, especially when you have other assets that are harder to divide and convert to cash. The death benefit of your life insurance plan is also tax-exempt for irrevocable beneficiaries you assign, which allows you to plan better the amount you intend to leave them when the time comes.  

3) Enjoy the living benefits of an additional regular source of income   

When you invest in AXA GAIN Fund, it provides a semi-annual cash benefit. This semi-annual payout allows you to enjoy your current lifestyle without the need to touch your savings. It serves as extra money to explore new investments or build on your existing businesses. It’s a great source of additional income, making it an invaluable asset for people who want to have liquid assets on hand whenever needed.  

Enjoy the time of your life today without compromising your legacy. Get regular payouts on top of an insurance plan when you invest in Asset Master with AXA GAIN Fund. Contact an AXA advisor now to learn how.