Life Model

Two significant industry issues are solved by the FS Life Model:

• The life insurance explosion problem: FSLM products are the only variable life policies on the market that cannot lapse for any reason including non-payment of premiums or investment performance without incurring the extreme cost and contract limitations of “no lapse (secondary) guarantee charges”.
• The annuity’s death tax problem: The FSLM is a hybrid product, actuarially closer in design, functionality and pricing to an annuity than to a life policy while retaining the tremendous tax free advantage of life insurance at death. FSLM products are designed for the tax efficient growth like an annuity by using a patented actuarial model to minimize the “At Risk” insurance amount, reducing the resulting COI charges (insurance cost) to remarkably low levels.