How it works

/images/upload/1-gift.gifYou transfer ownership of a paid-up life insurance policy to RTS.

/images/upload/2-gift.gifRTS elects to cash in the policy now or to keep the policy and receive the death benefit later.


  • You receive gift credit and an immediate income tax deduction for the cash surrender value of the policy (technically, the "interpolated terminal reserve value" of the policy).
  • In some cases, you can use the cash value in your policy to fund a life-income gift, such as a deferred gift annuity.
  • You can have the satisfaction of making a significant gift now to RTS without adversely affecting your cash flow.


To learn more about gifts of life insurance, Email us, complete the Information Request form, or call us at so that we can assist you.

Contact Us

Whether you're a prospective student, current student, alumnus, donor, or friend of RTS, we would love to hear from you.