Increased spending, decreased savings, and greater longevity are making it harder for individuals to leave a legacy for future generations. Permanent life insurance helps with generational wealth planning through three primary benefits: leverage, guarantees, and simplicity. This whitepaper explains how permanent insurance offers a variety of customizable products that provide income replacement during one’s working years, through a cash value that accumulates over time, and a means for guaranteeing long-term family wealth through their potential for lifetime coverage.