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.

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!

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.

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.

Clients can withdraw income from any retirement account to provide income, but annuities create an important guarantee that other products do not offer. Check out this multiple-product allocation strategy that combines a SPIA, fixed or indexed annuity and mutual fund.

Don't miss a potential sale! As a bank teller, it can be hard to know what to say to clients to get a referral for retail bankers. This series of topics helps you find key indicators in potential clients, with an easy reference sheet on questions to start the planning process.

Required minimum distributions from a retirement account can be used to fund insurance products – potentially offsetting or even eliminating taxes on the assets. In this case, purchasing a survivorship universal life policy created a 4x return in total legacy with charitable contributions.

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.

Arm yourself with 10 reasons why a business owner should be offering long-term care coverage for their employees. From raising productivity, to streamlined applications and payroll deductions, the message is the same: Employees need LTC coverage and offering it is easy.

All the money in the world can’t buy good health. Your wealthiest clients have the same likelihood of needing extended health care as everyone else – and they know it. Don’t rule out these clients because you mistakenly think they can – or want to – self-insure for long-term care.

Health care, including long-term care, is a regular topic of conversation for people in their 60s. It comes up around the dinner table. And it needs to come up in your planning conversations. But these clients don’t just need talk – they need action. Help them create an LTC plan.

This is the sweet spot for LTC sales. Clients in their mid-50s are the most likely to purchase long-term care insurance because they are still earning income, but need to have a solid picture of how their retirement will look. See what to look for so you don’t miss a window of opportunity.