Gifting a Life Insurance Policy: A Smart Wealth Transfer Strategy

Would you turn down a $250,000 financial gift that grows with the market and stays tax-free? One parent didn’t just leave their child an inheritance—they gifted financial freedom using an Indexed Universal Life (IUL) policy linked to the S&P 500. But with the IRS watching large transfers, how did they avoid paying gift taxes? This case study reveals the powerful wealth transfer strategy ultra-high-net-worth families use—and how you can too.