In this conversation card, you're looking for clients with CDs that rollover regularly or where the clients aren't using the funds. Through a multi-year guarantee annuity (MYGA), you can provide principal protection and liquidity with a greater return than a typical CD.

Clients selling a business or personal property may prefer to liquidate their investment without having all the proceeds taxable in the year of the sale. If so, they should consider selling their appreciated asset in exchange for a guaranteed income stream of periodic payments.

When a client is in an accident, the medical, financial and emotional concerns can be a huge burden. The uncertainties of rehabilitation and future earnings potential must be considered. You can relieve some strains by recommending a structured settlement plan.

For clients with assets that are not generating key income, a great conversation starter is "What is your goal for this money?" If the discussion follows the path we commonly see, a few more questions could lead to a more suitable product solution. Follow this flowchart for more.

Employees with higher salaries may be at a disadvantage when it comes to benefits. This client-approved piece shows how a benefit restoration plan can fix that by purchasing additional life insurance coverage and then adding group DI for income protection.

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.

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.

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.

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.

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.

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.

Even for affluent clients, pre-funding death expenses with discounted dollars remains effective. Life insurance is uniquely able to deliver a specified pool of tax-free liquidity at exactly the time needed to cover final expenses, debt, liquidation, taxes, probate costs and bequests.