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.

Three Paths to Tax-Free Income

Clients often hate debt. But not all loans are bad. Super low interest rates and very favorable tax advantages have changed the game. See how fixed-rate loans, withdrawals from fixed loans, and participating loans can provide great sources of retirement income as needs arise.

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.

The Insured Retirement Plan

Many Americans are "over allocated" to tax-deferred retirement assets like 401(k)s and IRAs, limiting future spendable income. The Insured Retirement Plan is contractually guaranteed against market losses and enjoys non-reportable tax-free income when accessed properly.

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.

Why Offer Life Insurance

Protection from the unknown. Financial leverage. Tax efficiency. There's no doubt that life insurance is a good tool for your clients. But it's also good for you and your business. Get the highlights of how selling life insurance can be a simple way to help your business grow.

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.

Be Your Own Beneficiary

Life insurance doesn't have to be an expense. With the right policy, it's a reallocation of future savings to a better return profile. If you look at the internal rate of return, it's hard to match, plus the return is guaranteed AND tax-free. See how to get the full benefits of life insurance.

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.

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!

Grandparent's Legacy - Leave a Legacy without UW

In legacy planning, simply leaving money to a grandchild in a will is leaving money on the table. Instead, depositing money into a joint and survivor single premium immediate annuity (SPIA) with a cost of living adjustment rider can provide guaranteed income for life.

Create a Conversation - Volatile Market 

In this conversation card, you're looking for risk-averse clients who are nearing or currently in retirement. These clients want their money to grow tax-deferred, but feel uneasy about market swings. A fixed indexed annuity (FIA) can help mitigate the risk while offering strong returns.

Create a Conversation - Managing Risk

In this conversation card, you're looking for clients who are concerned about rising rates, inflation or market risk. But they still want higher returns. With a fixed indexed annuity (FIA), clients can have no risk of loss while providing the ability to meet or exceed inflation.