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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. Client-facing pieces are subject to your broker-dealer review.

Business Continuation General Partnership

As businesses grow, existing plans may be patched together inefficiently. In this case, three business owners operating with an entity purchase buy-sell agreement had a total of nine term policies. See how they reworked the partnership with cash accumulation life insurance.

Restricted Bonus Plan

Business owners may appreciate simple plans with minimal administrative requirements. In this case, a profitable small business was seeking to create a key executive benefit plan for top management. This Restricted Endorsement Bonus Arrangement (REBA) was the answer.

Client Guide to Key Employee Retention

This a client-facing overview of ways a business owner can retain key employees. Moving from simple to complex, it covers endorsement split dollar, executive bonus with an option to add restriction and defined contribution supplemental retirement plan.

Business Owner Key Employee Retention

Three plans. One goal: help a business owner retain key employees. Moving from simple to more complex, these plans include and an endorsement split dollar plan, executive bonus plan with option to add restriction and defined contribution supplemental retirement plan.

Bequests vs Life Insurance

When someone plans to leave a charitable legacy, the typical approach is to include a bequest in the will. Instead, try using life insurance. Have the charitable organization purchase life insurance on the life of the donor or name the charity as beneficiary of an existing policy.

Charitable Lead Trusts

A charitable lead trust (CLT) is a “split-interest” trust with both an income and remainder beneficiary. The trust makes distributions to a qualified charity for either a specific term or the life of an individual. Upon death, remaining assets are distributed to the donor’s beneficiaries.

Business Continuation General Partnership Buy Sell

Buy-sell agreements are frequently funded with life insurance, assuring that if an owner dies, the surviving family has a buyer with the cash to pay a fair price. Whether it's as stock redemption or cross-purchase agreement, it will help remaining owners retain control of the business.

IRA Max

Clients who wish to leave assets to their families should consider IRA Legacy Maximization. To use this strategy, clients must be sure they won't need the IRA for retirement. The owner establishes an individual life insurance trust (ILIT) with distributions to fund the life insurance.

Retirement Planning Questionnaire

Good planning starts with asking the right questions. This workbook will help you stay organized through the retirement planning data gathering process. There is room to record employer information, proposal census data, retirement plan design, goals and related notes.

Business Planning Questionnaire

Good planning starts with asking the right questions. This workbook will help you stay organized through the business planning data gathering process. There is room to record client information such as business valuation and succession plans, executive benefits and retirement plans.

Estate Planning Questionnaire

Good planning starts with asking the right questions. This workbook will help you stay organized through the estate planning data gathering process. There is room to record client information such as current estate plans, objectives, existing insurance policies and other notes.

Key Person Business Protection

Start the conversation to help protect your business owner clients against the loss of a key employee. The business purchases life insurance or disability insurance on a key person and pays all premiums. Upon death or disability, the benefit is paid directly to the business.