By far, a major portion of advanced estate planning involves the charitable giving market for 501(c)(3) organizations. More than ever before, charities are at the mercy of their donors. With massive cuts in federal and state funding, charities have turned their full attention to the individual donor. Life insurance figures prominently in this effort.

The gift of life insurance can be vital to a charity for at least two notable reasons:

1. Life insurance focuses a charity's attention on the long term. Life insurance can generate large future donations for a charity, thereby promising financial security.
2. The gift of life insurance leverages a modest donation into a large one. A person who could only afford to donate a few dollars per year while alive can transform that into a substantial contribution at death by turning those annual donations into premium payments.

Ohio National sales associates can learn more about charitable giving with the Charitable Giving Adviser's Guide (Form 2501) and the informative brochure, Charitable Giving Client Guide (Form 2502). Designed to help current or prospective clients understand the ins-and-outs of charitable giving (and the role life insurance can play in the process), this brochure is a useful educational aid for advisers, too. The Charitable Giving PowerPoint Client Presentation is designed for use with clients and includes speaker notes to help guide the conversation.

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