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.

LTC Tax Strategy for Business Owners

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.

Executive and Professional Income Restoration Plan

Most group coverage plans pay a percentage of the employee's salary based on the program's coverage limits. These benefits are also taxable, reducing the percentage of covered income. Make your client's income protection whole by adding individual coverage to their group plan.

Executive Carve-Out

An executive income protection carve-out program might be just the thing for your business owner clients to consider when exploring employee retention strategies. It not only helps the executive in the case of an injury or illness, but it also gives the business a boost if they need to call in extra help.

Product-Based Restricted Bonus Plan

A Restricted Bonus Plan is a combination of three planning tools: a Section 162 bonus plan, a restricted endorsement and an employment contract. The combination of these elements creates an attractive benefit for key employees while providing the employer with control.

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.

The Real Benefits of Indexed Universal Life

With flexible funding options, uncapped indices and and downside protection to eliminate market losses, IUL offers more than just a death benefit. Use the example in this flier to discover how to drive meaningful returns for your clients.

Leveraging RMDs to Maximize Wealth Transfer

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.

Life Cycles of Business

Each business stage requires a different focus and set of tools and strategies to help business owners accomplish their goals. From startup, through growth, maturity and eventually business transfer, we can help you identify the issues you should be discussing with your client.

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.

Sequence of Returns

During the accumulation phase, assets invested in the market can often recover from losses by simply waiting for a market recovery. Losses are not "realized." But at retirement, even a few down-market years can have a dramatic effect on your clients' portfolios.