FINANCIAL TOOLS FOR SUCCESS
Tools to help you provide clear and transparent options for your clients.
HISTORY OF
LIFE INSURANCE
TYPES | TERM | WHOLE LIFE | INDEXED |
|---|---|---|---|
YEAR CREATED | 1920's | 1950's | LATE 90's |
AFFORDABILITY | $ | $$$ | $$ |
ACCUMULATION STYLE | No cash value | Earns 3-4% | Uncapped/0% Floor |
COVERAGE PERIOD | 10, 15, 20, 30 Years | Lifetime | Lifetime |
ACCESS METHOD | N/A | 5-8% Loans | 1-6% Loans |
THE POWER OF
INDEXED POLICIES
Indexed
Savings
- Minimum Guarantee
- Upside Potential
- Tax Free Access
- No Mandatory Withdrawals
- No FAFSA
- No 59 ½ Rule
IUL
Insurance
Protection
Long-Term Care
- Nursing Home
- Avg 2% Monthly
Living Benefits:
- Critical Illness (up to 90%)
- Chronic Illness (up to 2% Monthly)
- Terminal Illness (100%)
Multi-Use
Opportunities
- Family (Retirement, College Savings, Supplemental Savings, etc.)
- Business (Executive Bonus, etc.)
- BYOB (Be Your Own Bank)
- Against Market Volatility
- Against the IRS (Tax-Free Growth)
- Against Inflation
- Against Creditors
IRC 162 - TAX DEDUCTIBLE
IRC 7702 (B) - LONG-TERM CARE
IRC 72(E) TEFRA - HOW THE IUL GROWS TAX-FREE
IRC 7702 DEFRA - HOW YOU CAN TAKE MONEY OUT OF IUL Tax-Free
IRC 101(A) TAMRA - IUL IS GIVEN TO BENEFICIARIES TAX-FREE WHEN YOU PASS AWAY
PERSONAL PRIVATE
PENSION (ANNUITY)
SOCIAL
SECURITY
PERSONAL
SAVINGS
COMPANY PENSIONS
Capture Upside
- Up Market - Lock In
- Down Market - Guaranteed Floor
Lifetime Income
- Guaranteed Income for Life
- Guaranteed not to Lose Money
Death Benefit
- Leave a legacy with remaining balance
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