How Christians Secure A Guaranteed Tax-Free Legacy

You’ve been blessed. Your portfolio produces consistent income. But here’s a question many Christian business owners and investors overlook: when you’re gone, how much of that blessing will actually go to your family or the Kingdom and how much will be swallowed by taxes?

Most people don’t realize that even with a sizable investment portfolio, a large portion of what you’ve worked so hard to build can be diminished at transfer. Uncle Sam often takes the first cut. Probate can slow things down. And heirs can end up with far less than you imagined.

The good news? With a small reallocation of your portfolio income, you can lock in a guaranteed, tax-free inheritance for your family and fund the Kingdom without disrupting your current lifestyle.

The Power of a Small Shift

Let’s imagine you have a $2,500,000 portfolio producing $150,000 of annual income (about 6%).

If you were to redirect just 2% of the growth (in this case $50,000) toward a different asset, you could guarantee a seven-figure, tax-free legacy.

• Your portfolio keeps growing.

• Your lifestyle remains unchanged.

• And yet, your impact multiplies for generations.

This isn’t about risk. It’s about certainty.

The Tool: Guaranteed Universal Life

The strategy I’m describing uses a financial tool called Guaranteed Universal Life (GUL). Unlike market-driven products, GUL doesn’t depend on stock market performance or speculation. It’s simple:

• You pay a predictable premium (funded from portfolio income, not principal).

• In return, the insurer guarantees a tax-free benefit that will be delivered to your loved ones and church whenever God calls you home.

No volatility. No guessing. Just a contract that delivers certainty.

Why GUL Makes Sense for Legacy Planning

For high-net-worth Christians, GUL is uniquely positioned to serve both family and Kingdom goals:

✔ Guaranteed for Life: Your coverage never expires as long as premiums are paid.
✔ Tax-Free Transfer: Bypasses probate, income tax-free, immediate liquidity.
✔ No Impact on Lifestyle: Funded by a fraction of portfolio income.
✔ Stewardship Oriented: Ensures resources are allocated with purpose, not lost to taxes.

Biblical Stewardship and Legacy

Scripture gives us a clear mandate when it comes to legacy:

“A good person leaves an inheritance for their children’s children, but a sinner’s wealth is stored up for the righteous.”
-Proverbs 13:22

Legacy isn’t just about passing down wealth. It’s about stewardship. It’s about ensuring that what God has blessed us with continues to bear fruit for our families, communities, and ministries.

A GUL policy is a practical way to honor that calling. It allows you to create certainty and a permanent guarantee that resources will be there when your family and church need them most.

The Impact: Family + Kingdom

Picture this:

• Your grandchildren receive funds for college, home purchases, or even to launch their own businesses.

• Your church or favorite ministry receives the resources to expand their reach, serve more people, and multiply the Gospel for decades to come.

And the best part? This doesn’t require you to sell off assets, scale down your lifestyle, or even change your investment strategy. It’s simply about redirecting a small portion of the growth you already enjoy.

Final Thought

You don’t need to overhaul your financial plan to leave a lasting impact. With as little as 2% of the growth of your portfolio income, you can create a guaranteed, tax-free inheritance for your children, grandchildren, and the ministries you love.

If you would like to see exactly how much legacy you could guarantee for your family and church, I invite you to book a call.

Together, we’ll design a faith-driven plan that ensures what you’ve worked for is secured for generations.