<https://www.insurance-forums.com/community/threads/help-with-client-need-to-know-where-to-put-death-benefit-funds.71392/>
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"This is actually for my Mother In Law. I sent this to my upline and they provided me a couple options.  She was inquiring if there were other options so I'm posting here.\r\n\r\nHere is what I sent to my upline:\r\n\r\nMy father in law passed away in March & my mother in law sent me the following:\r\n\r\nShe mailed me a contract summary form for a Single Premium Deferred Fixed Annuity. On 11/26/14 it will have been in force 13 years.  \r\n\r\nThe illustration's closest information is \"End of contract year 10\" with the following values:\r\n\r\nGuaranteed: Surrender Value $15,020.92.  Account Value $15,157.34.  I cannot find a guaranteed interest rate.  All values are with an assumed interest rate of 4.5%\r\n\r\nShe also stated that she has an additional $30,000 in her savings account from another life policy.\r\n\r\nShe is wanting to know her options and best use of these funds.  \r\n\r\nHer goal is to not have it sitting in her savings account, however she wants a policy that she can have access to these funds in case of an emergency. She is also concerned with any potential tax liabilities. \r\n\r\nI'm wondering what would be her best option based on her goal?"
<https://www.insurance-forums.com/community/threads/help-with-client-need-to-know-where-to-put-death-benefit-funds.71392/>