Hobart and William Smith Colleges

How It Works

1. You make a gift to HWS
2. You give the tax savings from the charitable deduction to your children
3. Your children purchase an insurance policy on your life with the tax savings
4. Your children will receive the proceeds upon your death

Benefits

• You can make a significant gift to HWS without diminishing the amount your family will receive
• Your tax savings finance this life insurance policy