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Catholic United is ready to help people at
different stages achieve their financial goals.


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Life Insurance

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(sold through our LLC partnership)

Why do I need life insurance?

Life insurance is about love. A life insurance policy guarantees
that the most important people to you will be provided for if you
are no longer there.


Life insurance:

  • protects your way of life
  • can replace lost income when a loved one passes
  • can be the foundation of a family financial plan
  • More...

When do life insurance needs change?

  • Family change such as birth, death or divorce
  • A change of employment or career
  • After a major purchase, like buying a home or business
  • A child moving out or going off to college

What else can life insurance do for me?

  • help pay for your final expenses
  • protect your assets
  • make a charitable gift
  • build wealth and save on taxes

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to see how we can help you organize your assets
and get a better sense of your overall financial picture.


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your existing retirement plan

Financial ideas to complement
your existing plan

  • Is your budget tight, but you still need to care
    for loved ones?
  • Want the best of both worlds -- insurance protection
    and income growth?
  • Worried about missing out on higher rates by
    locking into CDs or money market funds?
  • Want to make a loving financial gift, but retain
    some control?

Read our answers to these questions

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Our next event is Oct. 2, 2016 in Yankton, SD

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Catholic United has service and fundraising programs that appeal to volunteers seeking different levels of commitment, from one hour of casual service on a weekend, to leading a local volunteer group. Learn more about transforming profits into purpose:

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Generosity is a virtue, and we at Catholic United Financial help our members multiply their generous gifts into something even greater.


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Back to the Foundation Blog

Leverage a small donation into a large gift

Posted by Robert Heuermann

This article originally appeared in the March-April 2014 edition of Our Catholic Journey, the official publication of Catholic United Financial.


Charitable Life Insurance is an excellent way to leverage small current donations providing a much larger charitable gift than you ever thought you could make.

"Give me a lever long enough, and I can move the world." - Archimedes

Catholic United Financial members are generous people. Many of you regularly contribute to our Foundation and other charitable organizations. Some members want to leverage their current donations to provide a significantly larger gift for their favorite charities in their estate plans.

Not only does life insurance allow you to leverage a substantial gift to charity at relatively little cost to you, but you may also benefit from tax rules that apply to gifts of life insurance. Charitable Life insurance is an excellent tool for making charitable gifts for a number of reasons:

Leverage – Policy death benefits usually exceed the premiums paid.

Death Benefits Delivered When Policy Matures – If kept in force, the policy proceeds are paid at the insured's death regardless of how many premiums have been paid.

Flexibility – The policy owner generally has the right to change the timing and the amount of premium payments, the amount of the death benefit (subject to insurability) and the identity of the beneficiaries.

Tax Benefits – If donated directly to Catholic United Financial Foundation, premium payments are deductible up to 50 percent of a donor's adjusted gross income (AGI).

Life insurance provides an "amplified" gift that enables you to purchase a legacy on an installment plan. Through a relatively small annual cost (the premium), a benefit far in excess of what would otherwise be possible would be provided on your death to the charity of your choice.

A very good way to increase your ultimate gift is to donate a new or existing life insurance policy to Catholic United Financial Foundation. You can receive the largest possible tax benefits by assigning all rights in the policy to the Foundation. You simply deliver the existing or new policy to the Foundation. By doing this, you give up all control of the life insurance policy forever. This strategy provides the full tax advantages of charitable giving because the transfer of ownership is irrevocable. You may be able to take an income tax deduction equal to the lesser of your adjusted cost basis or fair market value. The policy is not included in your gross estate when you die, unless you die within three years of the transfer. In this case, your estate would get an offsetting charitable deduction of the premium payments -- up to 50 percent of the donor's AGI if it's donated directly to the Foundation.

If you are interested in discussing how to turn the change in your pocket into the change you want to see in the world, call or email me today. Or you can talk to your Catholic United Sales Representative, and he or she can show you how a small donation can be leveraged into a much larger future donation to the charity of your choice. The Foundation is here to help you, so give me a call at 651-765-6548 or email me at rheuermann@catholicunited.org. Thank you for helping us change the world through our own good deeds.

"At the end of our life, we shall all be judged by charity" -- St. John of the Cross


Copyright 2014 Catholic United Financial. No portion may be reproduced in any type of media without the express written consent of Catholic United Financial. * NOTE: Neither Catholic United Financial nor the Catholic United Financial Foundation is permitted to provide tax or legal advice. The information provided is based on our understanding of the laws and regulations currently in effect. You may wish to consult your personal tax or legal advisor with questions about your specific situation.


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