Concept Library

Uncover ideas you can take directly to your clients. Search and filter by business line, topic or type of concept. Download it. Print it. Learn it. Then contact us to discuss how we can help you implement the solution for your clients.

Our concept library is primarily intended for financial professional use only and is not to be reproduced or shown to clients. For pieces to use with your customers, check out the client-approved category.

Real Benefits of Indexed Annuities

In years when the S&P 500® Index is negative, fixed indexed annuities (FIAs) can be a client's hardest-working asset. Supported by a minimum guarantee, FIAs provide an opportunity to accumulate value on the appreciation of the S&P, without losing premium when the S&P was negative.

Income Access Comparison - CDs vs Annuities

For clients who rely on interest from CDs for retirement income, annuities may provide a better alternative. A single premium immediate annuity (SPIA) with a full return of premium (ROP) rider can generate significantly more annual lifetime income. In this example, 6x higher!

LTC Tax Strategy for Business Owners

Unlike individuals, businesses are not subject to age-based limitations that determine if a long-term care policy is tax-deductible. Even if a company is set up as an S-corp, partnership or sole proprietorship, LTC policies have key tax savings that businesses shouldn’t overlook.

Estate Equalization

Wealth transfer strategies help ensure your client’s estate will be distributed the way they choose. Yet some of their beneficiaries may be uninterested in the asset, or ill-suited to own it. The solution may be to create an estate equalization plan using life insurance.

When Maximum Funding Makes Sense

When your client’s objective is to increase future retirement cash flow, paying the highest possible premium into a cash-accumulating life insurance policy may make sense. However, before you recommend this strategy, make sure your client meets these five criteria.

Sequence of Returns

During the accumulation phase, assets invested in the market can often recover from losses by simply waiting for a market recovery. Losses are not "realized." But at retirement, even a few down-market years can have a dramatic effect on your clients' portfolios.

Business Loan Protection

Your client is ready to grow their business. Maybe start an expansion, or bring on a new partner. You can help provide them with a safety net in case they get disabled along the way. With a business loan protection (BLP) rider, a disability insurance policy can keep the doors open.

Funding Permanent Insurance with an Immediate Annuity

Here's a funding solution for clients who seek the protection of permanent life insurance, with the added benefits of an indexed universal life. Using a SPIA to fund the IUL, they can potentially increase death benefits while maximizing cash value for withdrawal opportunities.

Insurance Based Fixed Income Return

If you have middle-aged clients looking for term life, a guaranteed universal life policy with a return of premium rider could be a better option. They could surrender the GUL at year 25 for 100% of premiums paid, with the same death benefit coverage as the 25-year term.

LTC Solutions for Clients in their 70s

Many advisors assume that once a client reaches 70 years old, long-term care insurance becomes too restrictive and hard to sell. Higher pricing. Stricter underwriting. But now you can turn tax-deferred dollars into tax-free coverage with a linked-benefit LTC annuity.

Multi-Life DI for Business Owners

Women pay more than men for disability insurance coverage. Blame statistics and underwriting. Fortunately, there are multi-life options that help level the playing field. By purchasing coverage on multiple employees, female business owners can save money while protecting more lives.

Your Most Valuable Asset Class

Life insurance may be your client's most valuable asset class. It has tax-deferred growth, tax-free income and a tax-free death benefit, with no annual IRS contribution limits or RMDs. See how the benefits offer risk protection from losses, to lock in gains in a sideways market.