Are you looking for new ways to grow life insurance sales? Want to find new market opportunities? As you meet with clients, use the tools below to help identify their needs and hone in on the concepts that can help fulfill their financial objectives. Then, turn to our sales concept kits which provide marketing materials along with the know-how to put these strategies to work for you!

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Sales Concepts

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    Annuity Max with Life Insurance

    The objective is to provide a greater death benefit for heirs using annuity assets. Gain insight into how this strategy works and how you can help build your sales.

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    Business Solutions

    Buy-Sell Agreement

    Help your client use life insurance to fund the transfer of ownership of their business, or protect against unintended or unwelcome transfers of ownership.

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    Business Solutions

    Executive bonus

    Help incentivize employee retention with an attractive and exclusive benefit in the form of life insurance.

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    Business Solutions

    Key Person

    Use life insurance to help protect your client’s business against the loss of a key person, including loss of managerial skill and experience and decrease in sales.

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    Client Review

    Life insurance left untouched may no longer be meeting your clients' needs. Position yourself as an important resource and put a periodic client review practice in place today.

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    College Funding1

    A premature death and the rising costs of college tuition can be hard on a family. Help your clients gain financial protection with life insurance and help pay for college with a college planning strategy.

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    Estate Planning

    Life insurance death benefit proceeds can provide the liquidity needed to pay off debt, replace income, supplement retirement income, create an equitable inheritance between heirs, and even provide protection for businesses.

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    Life Insurance for Income Protection

    Death benefit protection for income protection lies at the heart of what life insurance is all about. However, sometimes it can get overlooked with all of the other useful features that life insurance has to offer. Learn how to help your client meet income protection needs as well as fulfill the additional expense that can occur with the loss of a non-income-worker.

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    Legacy Building

    Use permanent life insurance to offer death benefit protection along with an efficient way to pass along assets to beneficiaries. Learn how to put this strategy to work for you.

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    Longevity Planning

    The desire to travel, a new home, new hobbies, and gifting assets might be beyond your client’s current plan for income replacement in their later years. Help your clients plan for the best using life insurance.

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    Mitigating Risk

    Have you overlooked a risk to your clients' overall financial strategy?

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    Pension Maximization

    Find your life insurance sales potential in this large market niche. From teachers to state and local government employees, discover your next sales opportunity today.

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    Retirement Planning

    Help your clients with life insurance to protect what's important now while giving them a way to enjoy financial freedom later. Help boost your sales today with this key strategy.

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    Smart Money

    Smart money is money your clients want to control and be able to access during times of need. While there are several places to store smart money, one option to consider is life insurance. Learn how to help your clients make their smart money even smarter!

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Indexed Universal Life products are not an investment in the "market" or in the applicable index and are subject to all policy fees and charges associated with most universal life insurance.

1 The primary purpose of life insurance is to provide a death benefit to beneficiaries. Because of the uncertainty surrounding all funding options except savings, it is critical to encourage your clients to make personal savings the cornerstone of your clients' college funding program. However, even a well‐conceived savings plan can be vulnerable. Should your clients die prematurely, their savings plan could come to an abrupt end.
To protect against this unexpected event, life insurance may be the only vehicle that can help assure the completion of a funding plan. In addition to the financial protection aspect of insurance, the tax‐deferred buildup of cash values can be part of your clients' college savings plan. Generally, if the policy is not a Modified Endowment Contract then tax‐free withdrawals can be made up to the contract's cost basis. Moreover, if the policy is not a Modified Endowment Contract, then loans in excess of the cost basis are also tax free as long as the policy remains in force.

FOR AGENT USE ONLY. NOT TO BE USED FOR CONSUMER SOLICITATION PURPOSES.

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