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Three Ways to Access Tax-Free Income From a Policy

Clients often hate debt. But loans can have hidden advantages. Low interest rates and favorable tax advantages have changed the game. See how fixed-rate loans, withdrawals from fixed loans, and participating loans can provide three paths for retirement income as needs arise.

How a Section 7702-Based Plan Rivals Other Asset Classes

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 you can position the benefits to lock in gains in a sideways market.

Creating a Section 7702-Based Plan

Many Americans are over-allocated to traditional, tax-deferred retirement assets like 401(k)s and IRAs. When taxes increase, they may be taxed as ordinary income. Guide them to tax-free income in their portfolio with a balanced risk profile guaranteed against market losses.

Preserve Family Land

Landowners often have a deep appreciation for their ranch, farm, forest, wetland or other property – and have concerns about the long-term welfare of the land. A conversation easement can help protect the land while life insurance can replace lost market value for the estate.

Matching Client Concerns to Annuities

Every product recommendation begins with a conversation. In this cheat sheet, we take five key areas of concern and help you review life events that clients may be working through. The provided discussion points for each can lead to implementing a strategy with an annuity.

Wealth Transfer with 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.

Maximizing a Grandparent's Legacy without Underwriting

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.

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.

Funding a Spousal Lifetime Access Trust with Life Insurance

With a spousal lifetime access trust (SLAT), one spouse makes a gift to an irrevocable trust using the gift tax exemption. The SLAT names the other spouse as a current beneficiary, which allows the trustee to distribute funds to the beneficiary spouse during their life.

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.

Nonqualified Annuities for LTC Planning

There’s a good chance you have clients with nonqualified annuities that aren’t part of their retirement income plan. These annuities can be a viable funding option when it comes to creating a long-term care plan. Getting started takes a single, simple question to your client.