Nationwide Business Solutions Group

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "Nationwide Business Solutions Group"

Transcription

1 Nationwide Business Solutions Group Making the Business Life Market Effective for you CLM-0724AO 08/13 1

2 Important to Remember Life Insurance is issued by Nationwide Life Insurance Company or Nationwide Life and Annuity Insurance Company, Ohio. The general distributor is Nationwide Investment Services Corporation, Member FINRA. In MI only : Nationwide Investment Svcs. Corporation Guarantees are subject to the claims paying ability of Nationwide Life insurance is issued by Nationwide Life Insurance Company or Nationwide Life and Annuity Insurance Company, Columbus, Ohio. The general distributor is Nationwide Investment Services Corporation, member FINRA. In MI only: Nationwide Investment Svcs. Corporation Life insurance is issued by Nationwide Life Insurance Company or Nationwide Life and Annuity Insurance Company, Columbus, Ohio. The general distributor for variable life insurance policies is Nationwide Investment Services Corporation, member FINRA. In MI only: Nationwide Investment Svcs. Corporation As situations change, so will the business' life insurance needs. Care should be taken to ensure these strategies and products are suitable for the business and the client s long term goals. Weigh the business objectives, time horizon and risk tolerance as well as any associated costs before investing. Also, be aware that market volatility can lead to the possibility of the need for additional premium in the policy. Variable life insurance has fees and charges associated with it, which include costs of insurance, underlying fund expenses and administration fees. Investing involves risk, including possible loss of principal. Federal income tax laws are complex and subject to change. Nationwide and its representatives do not give legal or tax advice, so please contact your attorney or tax advisor for answers to these specific questions. Variable life insurance products are sold by prospectus. For more information about the product and funds available, including all charges and expenses, your client should consult a prospectus. Before investing, the client should carefully consider the investment objectives, risks, charges and expenses. Your clients should read the prospectus carefully before investing. Not a deposit Not FDIC or NCUSIF insured Not guaranteed by the institution Not insured by any federal government agency May lose value CLM 0702AO (5/13) 2013 Nationwide Financial Services, Inc. All rights reserved. 2

3 Who is NBSG? Nationwide Business Solutions Group (NBSG) has been a leader in the business life insurance market for over 15 years Provide services to 650+ businesses 1 many in the Fortune 1000 Over $11 billion in assets under management 1 Industry leader in customer service Products and solutions created for the business insurance market Exclusive resource to Nationwide 1 Nationwide s Policy Administrative Reporting System as of 04/15/2013 3

4 Who is NBSG? A group of over 40 people dedicated and focused on supporting you and your clients needs The NBSG team includes dedicated: Internal Sales External Sales Sales Support New Business Services Underwriting Policy Services Business Technology Support Business/Product Development Actuarial Customer Retention Investment Consultant Products designed specifically for the business market 4

5 NBSG is a Market Leader 1 Second year in a row for #1 market share 2011 market share 25.9% - $337.4 Million in sales 2012 market share 30.7% - $381.1 Million in sales Fixed Account Sales - #2 Position Register VUL Sales - #3 Position Private Placement VUL Sales - #1 Position 1 Market Assessment Source: IBIS Associates, Inc. March

6 Products & Solutions 6

7 Possible Underwriting Options 1. Guaranteed Issue offered in many cases, but not all. Availability is dependent on case design, size of the insured group and amount of premium. 2. Modified Guaranteed Issue an option for certain cases that qualify for GI consideration but are outside the GI guidelines. 3. Simplified Issue an option for cases that don t meet criteria for either GI or MGI underwriting. We review plan participants individually based on limited underwriting requirement and approve and are approved on a standard or rated basis, or in some cases we pivot to Regular Issue or deny coverage. 4. Full Underwriting Regular Issue is available for business cases that don t meet the criteria for our other underwriting options. In some instances we will be able to offer Preferred and Preferred Plus rates 7

8 Case Qualifications We ve designed our products specifically for business clients. To help you know whether or not your case is a good fit, we need to review the: Intended uses for business life products Non-intended uses for business life products 8

9 Case Qualifications 9

10 Case Qualifications 10

11 Case Study #1 The Need A commercial construction company had a large term policy on its owner and founder. It covered two important needs key person protection and buy/sell funding. The death benefit would help compensate the company for the loss of the owner in the event of his untimely death, and it would also help the company buy back his stock according to the buy/sell agreement. The term policy had a $10,000,000 death benefit The annual premium on the term policy was $30,375 The premium is a net expense to the company This example is based upon a real case, different scenarios may have different outcomes. 11

12 Case Study #1 The Solution Because large commercial construction businesses have substantial bonding requirements, the company had to keep a lot of liquid assets on its balance sheet. By replacing the term policy with a $10,000,000 Nationwide Future Executive UL (FEUL) policy, the company would be able to reposition those liquid assets into it and implement a solution that could provide all of this: Key person protection to help compensate for the loss of the owner Buy/sell agreement funding to help buy back the company stock at his death An improved financial position; the company may book the cash surrender value of the new policy as an asset (i.e., other assets cash surrender value life insurance), which results in a net gain A better rate of return; instead of the.25% to.50% it had been earning on the liquid assets where they were, the company could now earn a 1.86% rate of return on the cash surrender value in the life insurance policy, net of all fees in Year 1 Please reference Sample Illustration #1 12

13 Case Study #2 The Need Four owners of an engineering and manufacturing company needed to invest more for their retirement. Although their 401k plan had great participation and allowed them to max out their contributions, it still wasn t enough. The owners thought about additional profit sharing and qualified defined benefit/cash balance plans, but didn t pursue them. They would cost a lot more money and couldn t provide the desired results. Nondiscrimination rules still apply Matching contributions were still required This example is based upon a real case, different scenarios may have different outcomes. 13

14 Case Study #2 The Solution To help get beyond the constraints of qualified plans, their financial advisor showed them several after tax strategies that all offered these advantages: No contribution limits The opportunity for tax advantaged growth Access to cash for supplemental retirement income without taxation They chose the IBRP, which may sound somewhat typical, but the advisor and clients chose it for a not so typical reason. The Nationwide Future Executive VUL (FEVUL) policy is designed to work efficiently within corporate sponsored, individually owned arrangements like these. Because of that, each of the four owners could individually own a policy and take advantage of: Institutional pricing based on Nationwide s 15 years of experience in business life insurance that offers the opportunity to accumulate cash value more quickly A cash value enhancement to help offset the effect of early policy charges No surrender charge to provide flexibility and liquidity if they need access to their money Please reference Sample Illustration #2 14

15 Case Study #3 The Need The owners of an independent investment firm needed a way to ensure enough cash flow for a buyback program for individuals that left the company with equity ownership. Additionally, they had a clear need for cash if one of those equity owners were to die. Term insurance was considered, but it didn t provide the assets needed to cover the equity buyback program The company wanted to make the process as easy and as quick as possible The company had a specific obligation to its top 20 equity holders to ensure funds for the buyback This example is based upon a real case, different scenarios may have different outcomes. 15

16 Case Study #3 The Solution The investment firm decided to establish a buy/sell between the corporation and the top 20 equity holders of the company. The company determined to use corporate cash, the insurance cash surrender value and the insurance death benefits to offset the need of the liability The insurance design is an equal death benefit that is aggregately funded at the minimum non MEC levels that will be paid for seven years The corporate cash pool and cash surrender value from Nationwide s Future Executive UL product will be used to buyback equity holders as they leave the company The death benefit proceeds will be used as a cost recovery mechanism to meet their buy/sell obligations Additionally, because they had 20 participants and the life insurance design met the underwriting parameters, they were able to get the policies with guaranteed issue underwriting Please reference Sample Illustration #3 16

17 Case Study #4 The Need A law firm had a need to protect their investment in their partners in the form of a Key Person plan. They were seeking a way to help offset the loss of business and the funds to assist in recruiting replacement talent for their partners in the event of an untimely death. They wanted 4x s salary coverage Term insurance coverage would have provided the funds, but with an unknown duration, it was inefficient Additionally, with busy partners they wanted to have the insurance plan implemented with little to no hassle Majority of partners wanted the upside a VUL offers, but the business need required some certainty for planning purposes This example is based upon a real case, different scenarios may have different outcomes. 17

18 Case Study #4 The Solution The firm reviewed several product options and decided to move forward with Nationwide s Yourlife Executive Indexed UL. The product provided the death benefits they needed, while still providing them with more earning upside than a UL with minimal downside Since this product is designed for business use, the partners like that guaranteed issue and simplified issue underwriting may be available for their case Please reference Sample Illustration #4 18

19 Future Executive UL A more predictable future for your business customers Target market Small- to medium-sized businesses looking for corporate-owned life insurance (COLI) or corporate sponsored, individually owned (CSIO) fixed life insurance solutions Product Focus Has a unique dialable feature allowing the product to be structured with a death benefit or accumulation focus, or anywhere in between Interest Rate (as of 04/01/2013) Accumulation component: 4.2% Death Benefit Component: 3.7% GMIR: 2.0% Selling Solutions Executive Bonus, REBA, Split Dollar, Key Person, Buy-Sell 19

20 Future Executive VUL A variable solution for the CSIO market Target market Small- to medium-sized businesses that are interested in corporate sponsored, individually owned (CSIO) variable life insurance solutions Investment Choices Our comprehensive investment lineup more than 100 funds is designed by people who understand the specific needs of the business insurance market. It s uniquely focused on meeting the investment needs of businesses and key employees. Selling Solutions Executive Bonus, REBA, Split Dollar 20

21 NBSG Territory Map 21

22 Nationwide Business Solutions Group QUESTIONS? 22

Business Life Insurance Strategies Guide

Business Life Insurance Strategies Guide Business Life Insurance Strategies Guide Nationwide Business Solutions Group In this guide, Nationwide assumes that universal or variable universal life insurance is used for each of the strategies, unless

More information

Small Business Planning. Nonqualified Deferred Compensation Using Life Insurance. How can you keep your most valuable employees?

Small Business Planning. Nonqualified Deferred Compensation Using Life Insurance. How can you keep your most valuable employees? Small Business Planning Nonqualified Deferred Compensation Using Life Insurance How can you keep your most valuable employees? 2 Add life to your business You built your company from the ground up, and

More information

Small Business Planning. Insurance-based Retirement Plan. What will your retirement look like?

Small Business Planning. Insurance-based Retirement Plan. What will your retirement look like? Small Business Planning Insurance-based Retirement Plan What will your retirement look like? 2 Add life to your business You ve planned, saved, worked and invested, but you re still not sure you ll have

More information

VARIABLE UNIVERSAL LIFE YOUR 5-MINUTE GUIDE. You want it all.

VARIABLE UNIVERSAL LIFE YOUR 5-MINUTE GUIDE. You want it all. VARIABLE UNIVERSAL LIFE YOUR 5-MINUTE GUIDE You want it all. Need more from your life insurance? You need life insurance protection for your family, retirement investments for yourself and your preschooler

More information

What s the blueprint for keeping good employees?

What s the blueprint for keeping good employees? Small Business Planning Executive Bonus Plan Using Life Insurance Restrictive Executive Bonus Arrangement (REBA) Using Life Insurance What s the blueprint for keeping good employees? 2 Add life to your

More information

Helping you recruit, reward and retain the best people

Helping you recruit, reward and retain the best people The Nationwide Corporate Incentive Program Plan sponsor guide Helping you recruit, reward and retain the best people NATIONWIDE BUSINESS SOLUTIONS GROUP In this guide, Nationwide assumes that the employer

More information

Business Planning. Buy/Sell Insurance. What would your business do without you?

Business Planning. Buy/Sell Insurance. What would your business do without you? Business Planning Buy/Sell Insurance What would your business do without you? 2 Add life to your business You know what it takes to run a successful company. But what would happen to your business if something

More information

Small Business Planning. Key Person Insurance. Who is your most valuable employee?

Small Business Planning. Key Person Insurance. Who is your most valuable employee? Small Business Planning Key Person Insurance Who is your most valuable employee? 2 Add life to your business Every company has that one person the star, if you will that really drives profitability. It

More information

Nationwide YourLife Survivorship VUL. Product guide. Everyone could use a little balance

Nationwide YourLife Survivorship VUL. Product guide. Everyone could use a little balance Nationwide YourLife Survivorship VUL Product guide Everyone could use a little balance Balance protection and growth potential You like the idea of leaving your family a legacy one day. If you have your

More information

Small Business Planning. Split Dollar Plans Using Life Insurance. What s the prescription for a successful workforce?

Small Business Planning. Split Dollar Plans Using Life Insurance. What s the prescription for a successful workforce? Small Business Planning Split Dollar Plans Using Life Insurance What s the prescription for a successful workforce? 2 Add life to your business You finally have the staff you ve always wanted for your

More information

Business Planning. Key Person Insurance. Who is your most valuable employee?

Business Planning. Key Person Insurance. Who is your most valuable employee? Business Planning Key Person Insurance Who is your most valuable employee? 2 Add life to your business Every company has that one person the star, if you will who really drives profitability. It could

More information

Caring for longer than a lifetime

Caring for longer than a lifetime Life insurance Caring for longer than a lifetime Your 5-minute Guide Life goes on prepare for it Your love for your family will live forever. However, we all know we won t live forever. Life insurance

More information

Variable universal life insurance. Quick reference. You want it all.

Variable universal life insurance. Quick reference. You want it all. Variable universal life insurance Quick reference You want it all. Need more from your life insurance? You need life insurance protection for your family, retirement investments for yourself and your preschooler

More information

Nationwide YourLife Single Premium UL. Client guide. A guaranteed way to make YourLife easier

Nationwide YourLife Single Premium UL. Client guide. A guaranteed way to make YourLife easier Nationwide YourLife Single Premium UL Client guide A guaranteed way to make YourLife easier Create your own legacy You don t need the moon and stars. What you need is a fast and simple way to pass a legacy

More information

Give yourself an edge in the business insurance market.

Give yourself an edge in the business insurance market. Give yourself an edge in the business insurance market. Your guide to underwriting and submitting multi-life cases Nationwide Business Solutions Group For help underwriting your multi-life case, call Nationwide

More information

White Paper Life Insurance Coverage on a Key Employee

White Paper Life Insurance Coverage on a Key Employee White Paper Life Insurance Coverage on a Key Employee www.selectportfolio.com Toll Free 800.445.9822 Tel 949.975.7900 Fax 949.900.8181 Securities offered through Securities Equity Group Member FINRA, SIPC,

More information

Take a step in the right direction. Protect your family and plan for the future with life insurance. Nationwide YourLife Current Assumption UL

Take a step in the right direction. Protect your family and plan for the future with life insurance. Nationwide YourLife Current Assumption UL Nationwide YourLife Current Assumption UL Client guide Take a step in the right direction. Protect your family and plan for the future with life insurance. Nothing says security like knowing you and your

More information

Understanding Fixed Indexed Annuities

Understanding Fixed Indexed Annuities Fact Sheet for Consumers: Understanding Fixed Indexed Annuities PRESENTED BY Insured Retirement Institute Fact Sheet for Consumers: Understanding Fixed Indexed Annuities Put simply, a Fixed Indexed Annuity

More information

Principal Variable Universal Life Business SM

Principal Variable Universal Life Business SM The Principal Financial Group Principal Variable Universal Life Business SM Flexibility to meet key business market needs. BB11294 Are you meeting your business insurance needs? As a business leader, you

More information

Help your clients take a step toward a stronger financial future.

Help your clients take a step toward a stronger financial future. Nationwide YourLife Current Assumption UL Sales guide Help your clients take a step toward a stronger financial future. Reasonably priced permanent life insurance with the potential for growth. FOR INSURANCE

More information

YOUR GUIDE TO. Understanding life insurance

YOUR GUIDE TO. Understanding life insurance YOUR GUIDE TO Understanding Making life less complicated. Most people know that can provide their families with a death benefit if the unexpected should happen. But they may not know that it can also be

More information

Two lives. One legacy. Permanent protection for two people. Nationwide YourLife No-Lapse Guarantee Survivorship Universal Life II.

Two lives. One legacy. Permanent protection for two people. Nationwide YourLife No-Lapse Guarantee Survivorship Universal Life II. Nationwide YourLife No-Lapse Guarantee Survivorship Universal Life II Product overview Two lives. One legacy. Permanent protection for two people. NATIONWIDE LIFE AND ANNUITY INSURANCE COMPANY Be sure

More information

Protection for you and your spouse.

Protection for you and your spouse. YOUR GUIDE TO THE SPOUSAL PROTECTION FEATURE AVAILABLE WITH NATIONWIDE VARIABLE ANNUITY DEATH BENEFITS Protection for you and your spouse. Not a deposit Not FDIC or NCUSIF insured Not guaranteed by the

More information

Nationwide YourLife Indexed UL. Give clients a balanced life FOR INSURANCE PROFESSIONAL USE ONLY NOT FOR DISTRIBUTION WITH THE PUBLIC

Nationwide YourLife Indexed UL. Give clients a balanced life FOR INSURANCE PROFESSIONAL USE ONLY NOT FOR DISTRIBUTION WITH THE PUBLIC advisor GUIDE Nationwide YourLife Indexed UL Give clients a balanced life FOR INSURANCE PROFESSIONAL USE ONLY NOT FOR DISTRIBUTION WITH THE PUBLIC Preparing for the future can be stressful for your clients.

More information

The long-term care rider from Nationwide

The long-term care rider from Nationwide for Broker/Dealer use only Not for USE with the public The long-term care rider from Nationwide Don t be fooled not all long-term care (LTC) coverage is the same. In fact, some policies and riders can

More information

CLIENT BROCHURE Nationwide YourLife Indexed UL. Find balance in life

CLIENT BROCHURE Nationwide YourLife Indexed UL. Find balance in life CLIENT BROCHURE Nationwide YourLife Indexed UL Find balance in life Planning for the future may seem stressful these days especially with so much market uncertainty. But it doesn t have to be that way.

More information

Small businesses and the Affordable Care Act

Small businesses and the Affordable Care Act Affordable Care Act Small Business Guide NATIONWIDE RETIREMENT INSTITUTE SM Small businesses and the Affordable Care Act Health insurance reform and insights into employer-sponsored benefits 84% of small

More information

Business Uses of Life Insurance

Business Uses of Life Insurance Select Portfolio Management, Inc. David M. Jones, MBA Wealth Advisor 120 Vantis, Suite 430 Aliso Viejo, CA 92656 949-975-7900 dave.jones@selectportfolio.com www.selectportfolio.com Business Uses of Life

More information

CONNECTION TO CONTINUE YOUR THE NEXT GENERATION LIVING BY WHAT WE GET, BUT WE MAKE A LIFE BY WHAT WE GIVE. PACIFIC SELECT SURVIVORSHIP VUL

CONNECTION TO CONTINUE YOUR THE NEXT GENERATION LIVING BY WHAT WE GET, BUT WE MAKE A LIFE BY WHAT WE GIVE. PACIFIC SELECT SURVIVORSHIP VUL CONTINUE YOUR CONNECTION TO THE NEXT GENERATION Pacific Life Insurance Company PACIFIC SELECT SURVIVORSHIP VUL Flexible premium last survivor variable universal life insurance with indexed options CLIENT

More information

Variable Universal Life Insurance

Variable Universal Life Insurance A Flexible Approach to Life s Challenges Variable Universal Life Insurance Variable Annuities offered by: Western Reserve Life Assurance Co. of Ohio MS430795-0506 What are your financial goals in life?

More information

CHAPTER 9 BUSINESS INSURANCE

CHAPTER 9 BUSINESS INSURANCE CHAPTER 9 BUSINESS INSURANCE Just as individuals need insurance for protection so do businesses. Businesses need insurance to cover potential property losses and liability losses. Life insurance also is

More information

Life Insurance Coverage on a Key Employee

Life Insurance Coverage on a Key Employee Raymond James Financial Services Bill Poland, CRPS, CRPC Financial Advisor 108 State Street Suite 200 Greensboro, NC 27408 336-272-7584 800-821-5941 bill.poland@raymondjames.com Life Insurance Coverage

More information

Lincoln life insurance portfolio at-a-glance

Lincoln life insurance portfolio at-a-glance FOR LIFE Lincoln life insurance portfolio at-a-glance Product Menu The Lincoln National Life Insurance Company Lincoln Life & Annuity Company of New York Not a deposit Not FDIC-insured May go down in value

More information

W3 Wealth Management, LLC Shelby Morgan 90 N. Miller Road Akron, OH 44313 330-836-3805 Shelby@W3wealth.com. Key Employee Insurance

W3 Wealth Management, LLC Shelby Morgan 90 N. Miller Road Akron, OH 44313 330-836-3805 Shelby@W3wealth.com. Key Employee Insurance W3 Wealth Management, LLC Shelby Morgan 90 N. Miller Road Akron, OH 44313 330-836-3805 Shelby@W3wealth.com Key Employee Insurance W3 Wealth Management, LLC Page 2 of 9 Table of Contents Life Insurance

More information

Extended IRA and Nonqualified Annuity Strategies

Extended IRA and Nonqualified Annuity Strategies Extended IRA and Nonqualified Annuity Strategies From Nationwide Advanced Sales: The Specialists Things you need to know This presentation was not intended to be used, and can t be used by anybody for

More information

Whole life insurance. 5-minute guide. The promise of life insurance.

Whole life insurance. 5-minute guide. The promise of life insurance. Whole life insurance 5-minute guide The promise of life insurance. Keep your promise As a spouse or parent, you ve made a commitment to take care of and provide for your family. If you ve built your own

More information

Waddell & Reed Advisors Select Plus Annuity SM Invest in your future

Waddell & Reed Advisors Select Plus Annuity SM Invest in your future Investment choices performance report January 31, 2016 Waddell & Reed Advisors Select Plus Annuity SM Invest in your future Answers to frequently asked questions. What you should know about purchasing

More information

The single source for all your executive benefit needs. A Primer on. Nonqualified Deferred

The single source for all your executive benefit needs. A Primer on. Nonqualified Deferred M Benefit Solutions The single source for all your executive benefit needs A Primer on Nonqualified Deferred Compensation Plans DISCLOSURE INFORMATION This material is intended for informational purposes

More information

Designed for growth. Destined to provide. ULTRA INDEX SM UNIVERSAL LIFE INSURANCE LBL7376-2

Designed for growth. Destined to provide. ULTRA INDEX SM UNIVERSAL LIFE INSURANCE LBL7376-2 Designed for growth. Destined to provide. PRODUCT OVERVIEW ULTRA INDEX SM UNIVERSAL LIFE INSURANCE Designed for growth. Destined to provide. Taking care of your family means more than protecting them.

More information

Nationwide YourLife No-Lapse Guarantee SUL II. Producer guide. Help your clients protect what they ve built together

Nationwide YourLife No-Lapse Guarantee SUL II. Producer guide. Help your clients protect what they ve built together Nationwide YourLife No-Lapse Guarantee SUL II Producer guide Help your clients protect what they ve built together 2 When clients come to you with complex estate planning and wealth transfer needs, Nationwide

More information

The Best of America America s INCOME Annuity

The Best of America America s INCOME Annuity The Best of America America s INCOME Annuity PLAN FOR YOUR RETIREMENT YEARS WITH CONFIDENCE. To help prepare for retirement, consider complementing your retirement plan with The Best of America America

More information

Guide to buying an offshore investment contract

Guide to buying an offshore investment contract Guide to buying an offshore investment contract What you should know before you buy Offshore investment contracts are only available for sale to nonresident aliens of the United States and are not subject

More information

Why is Life Insurance a Popular Funding Vehicle for Nonqualified Retirement Plans?

Why is Life Insurance a Popular Funding Vehicle for Nonqualified Retirement Plans? Why is Life Insurance a Popular Funding Vehicle for Nonqualified Retirement Plans? By Peter N. Katz, JD, CLU ChFC This article is a sophisticated analysis about the funding of nonqualified retirement plans.

More information

UNIVERSAL LIFE INSURANCE YOUR 5-MINUTE GUIDE. Flexible protection for what s most important in life

UNIVERSAL LIFE INSURANCE YOUR 5-MINUTE GUIDE. Flexible protection for what s most important in life UNIVERSAL LIFE INSURANCE YOUR 5-MINUTE GUIDE Flexible protection for what s most important in life Protection for all the moments that matter Be sure to choose a product that meets long-term life insurance

More information

Pacific Life Insurance Company Indexed Universal Life Insurance: Frequently Asked Questions

Pacific Life Insurance Company Indexed Universal Life Insurance: Frequently Asked Questions Pacific Life Insurance Company Indexed Universal Life Insurance: Frequently Asked Questions THE GROWTH CAP, PARTICIPATION RATE, AND FLOOR RATEE 1. What accounts for the gap in indexed cap rates from one

More information

Business Planning Fact Finder For the Qualified & Nonqualified Marketplace

Business Planning Fact Finder For the Qualified & Nonqualified Marketplace Fax or E-Mail completed Fact Finder to: Diamond Financial Group (check one or both): ( ) Qualified ( ) Nonqualified Telephone: 954.625.1606 Fax: 954.625.1650 E-Mail: @metlife.com Producer Name Agent #

More information

Surprise. Fixed Annuities. Your 5-minute Guide

Surprise. Fixed Annuities. Your 5-minute Guide Surprise Fixed Annuities Your 5-minute Guide Don t be surprised. When it comes to the retirement that you ve worked so hard for, you may not be willing to accept the risks and uncertainty associated with

More information

Sales Strategy Life Insurance in Retirement Planning Plus

Sales Strategy Life Insurance in Retirement Planning Plus Sales Strategy Life Insurance in Retirement Planning Plus Life insurance protection is the foundation of a family s future, providing cash to: replace income for surviving family, pay off family debt,

More information

Life insurance benefits for small-business owners

Life insurance benefits for small-business owners Allianz Life Insurance Company of North America Life insurance benefits for small-business owners Protecting the life of your business Small-business life insurance uses M-5101 Life insurance benefits

More information

Executive Compensation Strategies. For Academic, Medical, Research and Cultural Institutions

Executive Compensation Strategies. For Academic, Medical, Research and Cultural Institutions Executive Compensation Strategies For Academic, Medical, Research and Cultural Institutions For institutional investor use only. Not for use with or distribution to the public. TIAA-CREF: A leading provider

More information

Key Person Insurance SALES IDEA. Help protect your business and retain your key employees using Foundation Builder Index UL

Key Person Insurance SALES IDEA. Help protect your business and retain your key employees using Foundation Builder Index UL Producer Material I Index Universal Life Insurance SALES IDEA Key Person Insurance Help protect your business and retain your key employees using Foundation Builder Index UL Protecting your business from

More information

A Guide to Life Insurance for Small Business SUN LIFE FINANCIAL

A Guide to Life Insurance for Small Business SUN LIFE FINANCIAL A Guide to Life Insurance for Small Business SUN LIFE FINANCIAL For a small business owner, group life insurance and qualified plans may not be adequate to protect the business from unforeseen risks or

More information

Fixed Index Annuities

Fixed Index Annuities Fixed Index Annuities I Annuities Sales Tool Series Fixed Index Annuities Innovative Retirement Planning Alternative 143731 11/26/12 For Producer/Agent Information Only. Not to be Reproduced or Shown to

More information

Executive Benefits for Nonprofit & Tax-Exempt Organizations

Executive Benefits for Nonprofit & Tax-Exempt Organizations Executive Benefits for Nonprofit & Tax-Exempt Organizations Recruit, Retain, and Reward Your Top Talent with Nonqualified Retirement or Estate Planning Benefits As a nonprofit or tax-exempt organization,

More information

Nationwide YourLife Single Premium UL. A guaranteed way to make YourLife easier. Client Brochure

Nationwide YourLife Single Premium UL. A guaranteed way to make YourLife easier. Client Brochure Nationwide YourLife Single Premium UL A guaranteed way to make YourLife easier Client Brochure Create your own legacy You don t need the moon and stars. What you need is a fast and simple way to pass a

More information

Basic Facts about Variable Annuities

Basic Facts about Variable Annuities Basic Facts about Variable Annuities Variable annuities are long-term investment vehicles that provide a unique combination of insurance and investment features. Fundamentally, a variable annuity is an

More information

Understanding Annuities

Understanding Annuities Annuities, 06 5/4/05 12:43 PM Page 1 Important Information about Variable Annuities Variable annuities are offered by prospectus, which you can obtain from your financial professional or the insurance

More information

You can protect their future

You can protect their future Term life insurance You can protect their future Your 5-minute Guide Help build family security In today s ever-changing financial environment, it s important to know there are some things you don t have

More information

Strong, stable and committed to keeping our promises

Strong, stable and committed to keeping our promises Strong, stable and committed to keeping our promises NATIONWIDE BUSINESS SOLUTIONS GROUP 1 At Nationwide, our proud mutual heritage and ongoing commitment to our communities help us put customers first.

More information

BUYING A VARIABLE ANNUITY CONTRACT THROUGH CETERA FINANCIAL SPECIALISTS LLC

BUYING A VARIABLE ANNUITY CONTRACT THROUGH CETERA FINANCIAL SPECIALISTS LLC Cetera Financial Specialists LLC 200 N. Martingale Road Schaumburg, IL 60173-2096 BUYING A VARIABLE ANNUITY CONTRACT THROUGH CETERA FINANCIAL SPECIALISTS LLC General Considerations Before you buy any insurance

More information

Life Insurance Education Series

Life Insurance Education Series Advanced Planning Life Insurance Education Series Part 5: Life insurance planning for businesses Changes in income- and estate-tax laws as well as volatility in the market may require you to review your

More information

Activity Sheet 1: What is a Stock?

Activity Sheet 1: What is a Stock? Activity Sheet 1: What is a Stock? Stocks represent a share of ownership in a publicly held company. Private companies do not issue stock. As a stockholder, the investor has a claim on the assets of the

More information

PROTECTION PROTECTION VUL. Taking the right steps in planning for the future CONSUMER GUIDE

PROTECTION PROTECTION VUL. Taking the right steps in planning for the future CONSUMER GUIDE CONSUMER GUIDE PROTECTION PROTECTION VUL Taking the right steps in planning for the future JOHN HANCOCK LIFE INSURANCE COMPANY (U.S.A.) JOHN HANCOCK LIFE INSURANCE COMPANY OF NEW YORK IM5237CG There are

More information

Be prepared for whatever comes your way.

Be prepared for whatever comes your way. Fixed Annuities Your 5-minute Guide Be prepared for whatever comes your way. Prepare for the unexpected When it comes to the retirement you ve worked so hard for, you might not be willing to accept the

More information

Indexed Universal Life Insurance Upside Potential with Downside Protection

Indexed Universal Life Insurance Upside Potential with Downside Protection Insurance Upside Potential with Downside Protection Securities and Investment Advisory Services offered through M Holdings Securities, Inc., a registered broker dealer and Investment Advisor, member FINRA

More information

Planning now puts you in control later

Planning now puts you in control later Long-term care planning Your 5-minute guide Planning now puts you in control later For some people, the words long-term care may bring to mind the image of a nursing home. But really, long-term care is

More information

Important Information about your Annuity Investment

Important Information about your Annuity Investment Robert W. Baird & Co. Incorporated Important Information about your Annuity Investment What is an Annuity Contract? An annuity is a contract between you and an insurance company, under which you make a

More information

ESOP Repurchase Obligation Funding

ESOP Repurchase Obligation Funding FOR BUSINESS OWNERS Employee Stock Ownership Plans ESOP Repurchase Obligation Funding What is your obligation? Repurchase obligation is the liability a company incurs when vested terminated participants

More information

Diversified Growth SM Variable Universal Life. Protection and accumulation that adjust with your life. A better way of life

Diversified Growth SM Variable Universal Life. Protection and accumulation that adjust with your life. A better way of life Diversified Growth SM Variable Universal Life Protection and accumulation that adjust with your life A better way of life Add to your peace of mind, while adding to your assets You want and need to protect

More information

Brokered certificates of deposits

Brokered certificates of deposits Brokered certificates of deposits A guide to what you should know before you buy Are brokered CDs right for you? Brokered CDs are designed for investors who: Want access to a wide selection of issuers

More information

Understanding Indexed Universal Life Insurance A General Educational Overview

Understanding Indexed Universal Life Insurance A General Educational Overview Understanding Indexed Universal Life Insurance The Power To Help You Succeed Steve Guerra Field Vice President Greater Texas RLO Pacific Life Insurance Company 24 Waterway Avenue, Suite 825 The Woodlands,

More information

Live Today. Secure Tomorrow.

Live Today. Secure Tomorrow. Live Today. Secure Tomorrow. Single Premium Indexed Universal Life Insurance Policy Issued by Fidelity & Guaranty Life Insurance Company, Baltimore, MD 12-381 Expecting the Unexpected Just because the

More information

THE POWER OF AN IRA.

THE POWER OF AN IRA. THE POWER OF AN IRA. Put the Power of an IRA to Work For You Whether retirement seems like a lifetime away or is just around the corner, getting started on your retirement savings plan is one of the smartest

More information

Make your next move Put tax-advantaged protection and growth potential into your future plan

Make your next move Put tax-advantaged protection and growth potential into your future plan Wealth Protection Expertise SM Make your next move Put tax-advantaged protection and growth potential into your future plan LIFE SOLUTIONS Not a deposit Not FDIC-insured May go down in value Not insured

More information

401(k) Overlay Executive Benefit Plan. A Customized Life Insurance Strategy to Help Recruit, Retain and Reward Key Executives

401(k) Overlay Executive Benefit Plan. A Customized Life Insurance Strategy to Help Recruit, Retain and Reward Key Executives INDIVIDUAL LIFE INSURANCE 401(k) Overlay Executive Benefit Plan A Customized Life Insurance Strategy to Help Recruit, Retain and Reward Key Executives INSURANCE PRODUCTS: NOT INSURED BY FDIC OR ANY FEDERAL

More information

Supplemental Executive Retirement Plan. Recruit, Reward and Retain your best employees. Life. your way SM

Supplemental Executive Retirement Plan. Recruit, Reward and Retain your best employees. Life. your way SM Supplemental Executive Retirement Plan Recruit, Reward and Retain your best employees Life. your way SM HOW CAN I recruit, reward and retain KEY EMPLOYEES? CONSIDER A SUPPLEMENTAL EXECUTIVE RETIREMENT

More information

Important Information about your Annuity

Important Information about your Annuity Robert W. Baird & Co. Incorporated Important Information about your Annuity Annuities are long-term investments that may help you meet or supplement your retirement and other long-term goals. Annuities

More information

Variable Annuities. Introduction. Settlement Options. Methods of Buying Annuities. Tracking Separate Accounts. Suitability. Tax Deferred Annuities

Variable Annuities. Introduction. Settlement Options. Methods of Buying Annuities. Tracking Separate Accounts. Suitability. Tax Deferred Annuities Variable Annuities Introduction Settlement Options Methods of Buying Annuities Tracking Separate Accounts Suitability Tax Deferred Annuities Using this study guide. This study guide is intended for use

More information

Annuities. and. Elders

Annuities. and. Elders Annuities and Elders Opportunity for Tax-Deferred Growth No Further Investment Decision-Making Necessary Guaranteed Return Eligibility for Medi-Cal for an Elder Defers Income in Anticipation of a Lower

More information

The long-term care rider from Nationwide

The long-term care rider from Nationwide FOR BROKER/DEALER USE ONLY NOT FOR USE WITH THE PUBLIC The long-term care rider from Nationwide Don t be fooled not all long-term care (LTC) coverage is the same. In fact, some policies and riders can

More information

helping you make sense of your life insurance options

helping you make sense of your life insurance options life insurance helping you make sense of your life insurance options life insurance selection guide Life Insurance Products: Are Not a Deposit of Any Bank Are Not FDIC Insured Are Not Insured by Any Federal

More information

Weighing the Options for Informally Funding Nonqualified Benefits

Weighing the Options for Informally Funding Nonqualified Benefits Weighing the Options for Informally Funding Nonqualified Benefits Executive Summary Informally funding deferred compensation programs can offer advantages to both participants and companies. The practice

More information

Lifetime Income can help you stay another week.

Lifetime Income can help you stay another week. Lifetime Income can help you stay another week. The Nationwide Lifetime Income Rider An optional rider available with certain Nationwide variable annuities Imagine you had income for life. What would you

More information

Building Your Financial House

Building Your Financial House Nationwide Financial Retirement Plans Building Your Financial House NOT A DEPOSIT NOT FDIC OR NCUSIF INSURED NOT GUARANTEED BY THE INSTITUTION NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY MAY LOSE VALUE

More information

YOUR PRODUCT GUIDE. Making it easier to protect what matters most in life. Nationwide YourLife Guaranteed Level Term

YOUR PRODUCT GUIDE. Making it easier to protect what matters most in life. Nationwide YourLife Guaranteed Level Term YOUR PRODUCT GUIDE Making it easier to protect what matters most in life. Nationwide YourLife Guaranteed Level Term Life s complicated. Protecting it shouldn t be. There are so many things competing for

More information

CONNECTION TO CONTINUE YOUR THE NEXT GENERATION PACIFIC SELECT SURVIVORSHIP VUL

CONNECTION TO CONTINUE YOUR THE NEXT GENERATION PACIFIC SELECT SURVIVORSHIP VUL CONTINUE YOUR CONNECTION TO THE NEXT GENERATION Pacific Life Insurance Company PACIFIC SELECT SURVIVORSHIP VUL Flexible premium last survivor variable universal life insurance with indexed options CLIENT

More information

Guaranteed solutions. Life and disability income insurance offering security, stability and flexibility.

Guaranteed solutions. Life and disability income insurance offering security, stability and flexibility. Guaranteed solutions Life and disability income insurance offering security, stability and flexibility. 291333 D C (12/10) (9/12) Clients financial priorities change at every life stage. What meets their

More information

Discover What s Possible

Discover What s Possible Discover What s Possible Guaranteed Choice SM Whole Life for Business Guaranteed Choice SM for Business Owners Whole Life There is comfort in predictability There s a certain comfort that comes with knowing

More information

White Paper: Life Insurance as an Employee Benefit

White Paper: Life Insurance as an Employee Benefit White Paper: www.selectportfolio.com Toll Free 800.445.9822 Tel 949.975.7900 Fax 949.900.8181 Securities offered through Securities Equity Group Member FINRA, SIPC, MSRB Page 2 Table of Contents... 3 What

More information

Your Life Insurance Policy. A Valuable Asset MKTG-OC-974

Your Life Insurance Policy. A Valuable Asset MKTG-OC-974 Your Life Insurance Policy A Valuable Asset MKTG-OC-974 Your Life Insurance Working for You Thank you for selecting Pacific Life for your life insurance needs. Life insurance helps protect your family

More information

Lifetime Retirement Planning with Wells Fargo Advisors Income guarantees for your retirement savings

Lifetime Retirement Planning with Wells Fargo Advisors Income guarantees for your retirement savings Lifetime Retirement Planning with Wells Fargo Advisors Income guarantees for your retirement savings Get there. Your way. Lifetime Retirement Planning with Wells Fargo Advisors 1 Guaranteed income for

More information

Long-term Care Planning: Understanding the Need and Planning Solutions using Life Insurance

Long-term Care Planning: Understanding the Need and Planning Solutions using Life Insurance Long-term Care Planning: Understanding the Need and Planning Solutions using Life Insurance Brought to you by the Nationwide Advanced Consulting Group Some things you need to know This presentation was

More information

INSMARK ILLUSTRATION CONCEPT

INSMARK ILLUSTRATION CONCEPT What is this concept presentation about? When do I use it? What additional information is necessary? INSMARK ILLUSTRATION CONCEPT Permanent vs. Term Description This presentation compares the cash flows,

More information

LIFE INSURANCE LIFE INSURANCE. Understanding Your Life Insurance Options. Financially protecting those who depend on you may be easier than you think.

LIFE INSURANCE LIFE INSURANCE. Understanding Your Life Insurance Options. Financially protecting those who depend on you may be easier than you think. THE PRUDENTIAL INSURANCE COMPANY OF AMERICA LIFE INSURANCE Understanding Your Life Insurance Options MANY PEOPLE BENEFIT FROM HAVING A COMBINATION OF BOTH AND LIFE INSURANCE POLICIES offer convenience

More information

Thursday, 12 November 2015 WRM# 15-42

Thursday, 12 November 2015 WRM# 15-42 Thursday, 12 November 2015 WRM# 15-42 The WRMarketplace is created exclusively for AALU Members by the AALU staff and Greenberg Traurig, one of the nation s leading tax and wealth management law firms.

More information

UNDERSTANDING FIXED INDEXED ANNUITIES

UNDERSTANDING FIXED INDEXED ANNUITIES UNDERSTANDING FIXED INDEXED ANNUITIES INTRODUCING FIXED INDEXED ANNUITIES Fixed Indexed Annuities combine the features of Fixed Annuities including tax-deferred interest accumulation, a minimum guaranteed

More information

Indexed Universal Life Insurance

Indexed Universal Life Insurance Insurance Upside Potential with Downside Protection Securities and Investment Advisory Services offered through M Holdings Securities, Inc., a registered broker dealer and Investment Advisor, member FINRA

More information

The Power of Choice. A Transamerica Company

The Power of Choice. A Transamerica Company The Power of Choice A Transamerica Company A diverse portfolio allows you to prepare for your future. A Wealth of Resources World Financial Group, Inc. (WFG) and its associates are committed to offering

More information

Valued Client Owner Age: 60 State of Issue: Michigan. Death Benefit: Maximum Daily Value II

Valued Client Owner Age: 60 State of Issue: Michigan. Death Benefit: Maximum Daily Value II ForeRetirement TM III B-Share Prepared for: Valued Client Owner Age: 60 State of Issue: Michigan Prepared on: April 30, 2015 Prepared by: Guest User Firm Name: Guest Input Summary: Initial Investment:

More information