Client s Birthdate: Health Status: Smoker? (N/Y) Spouse s Birthdate: Health Status: Smoker? (N/Y)

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "Client s Birthdate: Health Status: Smoker? (N/Y) Spouse s Birthdate: Health Status: Smoker? (N/Y)"

Transcription

1 Life Insurance Review Fact Finder MetLife Investors Note to Financial Professional: Please work with your clients to complete this fact finder. Then work with your life insurance design specialists or MetLife Investors Sales Support Desk who will develop a life insurance illustration and an epresentation on this concept that is customized to your clients situation. Client Information Name(s): Address: City, State, Zip Code: Life. your way Phone: Cell Phone: Advisor Name: Advisor Company: Advisor Office Address: Advisor Advisor Phone: Advisor Fax: Life Insurance Information Client s Birthdate: Health Status: Smoker? (N/Y) Spouse s Birthdate: Health Status: Smoker? (N/Y) What type of coverage is required? survivorship coverage insuring both lives single life coverage insuring client s life single life coverage insuring spouse s life Type/Name of Product? If VUL, what hypothetical gross rate % (Name Product, or state type, e.g. universal life, variable life) (Cannot be higher than 12%) How much Death Benefit is required? $ level increasing For Producer and Broker/Dealer Use Only. Not for Use with the General Public.

2 Do you want Death Benefit Guarantees? (N/Y) How will premiums be paid? level premiums for life level premiums for years level premiums for minimum years possible other (please describe) Avoid Modified Endowment Contract (MEC) statute? Yes No If this is a section 1035 exchange - fill in the amount that is being exchanged into the contract $ Do you want to illustrate Death Benefit Guarantees? Yes No Other info and comments Information Needed to Present this Concept to Clients What is the Current Life Insurance Need? $ You will have the ability to compare the proposed MetLife Investors policy to the current life insurance in three (3)different years, the current year and two (2) other years that you select.what summary years do you want to show? Current year, and What is the reason this life insurance was purchased? (check one) Survivor Needs Business Continuation Estate Planning Key Person Protection Retirement Income Other Help us determine which pages you want to feature. Do you want to print? Yes No Yes No Yes No Yes No Yes No Yes No A Performance Summary page detailing the proposed MetLife Investors policy. A page comparing the MetLife Investors death benefits to the existing policies. A page comparing the MetLife Investors cash values to the existing policies. A page comparing the MetLife Investors premium costs to the existing policies. A page comparing the MetLife Investors death benefit guarantees to the existing policies. A section comparing UL based contracts to Par life insurance contracts. If this is Trust Owned Life Insurance (TOLI)? Yes No If so, do you want: Yes No A page that addresses issues that would concern trustees? For Producer and Broker/Dealer Use Only. Not for Use with the General Public.

3 NOTE: For a Life Insurance Review - You Must Fully Complete the Policy Information Below Information on Your Client s Existing Life Insurance A separate sheet should be prepared for each existing policy. MetLife Investor s Life Insurance Review epresentation can compare up to nine (9) current contracts. Name of the Current Company: What is the Current Premium? $ What is the Policy Issue Date: / / Type of Policy (check one): Universal Life Variable Universal Life Term Group Term Participating Whole Life Non-Participating Whole Life Graded Premium Other Is this policy Single Life, or Joint Life? Who is the Owner of the Contract? (check one): Insured Spouse Other Family Irrevocable Trust Business If the existing contract is a permanent contract: Are there any loans on the existing contract?: No Yes If yes the loan amount: $ Is this Policy a MEC?: Yes No What is the current crediting rate that the inforce ledger is based on?: % If there is a guaranteed crediting rate, enter it here: % Illustrated Values for the Current Life Insurance We compare your client s current life insurance policies to a proposed MetLife Investors policy.we always show the current year, plus two additional years. You select the two additional years.where the policies are permanent contracts, this should be based off an in-force ledger that is obtained from the existing insurance carrier. Be certain to fill this out, even if the policies are term. Where term policies are shown, enter zero in fields where there are no insurance values, or show the anticipated future costs based on the term life insurance illustration. Note: If you are comparing more than one policy, be certain to keep the years you are comparing consistent across all policies. Years to Compare: Current Year Year Death Benefit: $ $ $ Cash Value: $ $ $ Account Value: $ $ $ Cumulative Premiums Paid (to date): $ $ $ Guaranteed Death Benefit: $ $ $ For Producer and Broker/Dealer Use Only. Not for Use with the General Public.

4 Rider Information RIDER ONE RIDER TWO RIDER THREE Rider Name: Type of Rider (check one): Death Benefit Guarantee Death Benefit Guarantee Death Benefit Guarantee Return of Premium Return of Premium Return of Premium Beyond Age 100 Beyond Age 100 Beyond Age 100 Child Death Benefit Child Death Benefit Child Death Benefit Spousal Death Benefit Spousal Death Benefit Spousal Death Benefit Other Other Other $ Cost or Included/Free $ Cost or Included/Free $ Cost or Included/Free Source of Information on this Policy Check all that apply: From the Policy/Actual Contract Employer In-Force Ledger Other Pursuant to IRS Circular 230, MetLife is providing you with the following notification: The information contained in this document is not intended to (and cannot) be used by anyone to avoid IRS penalties. This document supports the promotion and marketing of insurance products. Your clients should seek advice based on their particular circumstances from an independent tax advisor. MetLife, its agents, and representatives may not give legal or tax advice. Any discussion of taxes herein or related to this document is for general information purposes only and does not purport to be complete or cover every situation. Tax law is subject to interpretation and legislative change. Tax results and the appropriateness of any product for any specific taxpayer may vary depending on the facts and circumstances. Your clients should consult with and rely on their own independent legal and tax advisers regarding their particular set of facts and circumstances. Life insurance products are issued by MetLife Investors Insurance Company, MetLife Investors USA Insurance Company (collectively and singly, MetLife Investors), MetLife Life and Annuity Company of Connecticut, MetLife Insurance Company of Connecticut and in New York, only by First MetLife Investors Insurance Company (MetLife Investors) and MetLife Insurance Company of Connecticut. Products are distributed by MetLife Investors Distribution Company, Irvine, CA. Prospectuses for variable life insurance issued and/or distributed by MetLife Investors Distribution Company, and for the investment portfolios offered thereunder, are available from MetLife. The contract prospectus contains information about the contract s features, risks, charges and expenses. The investment objectives, risks and policies of the investment options, as well as other information about the investment options, are described in their respective prospectuses. Clients should read the prospectuses and consider this information carefully before investing. Product availability and features may vary by state. MetLife variable life insurance policies have limitations, exclusions, charges, termination provisions and terms for keeping them in force. There is no guarantee that any of the variable investment options in this product will meet their stated goals or objectives. The account value is subject to market fluctuations so that, when withdrawn, it may be worth more or less than its original value. All product guarantees are based on the claims-paying ability and financial strength of the issuing insurance company. For Producer and Broker/Dealer Use Only. Not for Use with the General Public. Insurance Products: Not A Deposit Not FDIC-Insured Not Insured By Any Federal Government Agency Not Guaranteed By Any Bank Or Credit Union May Go Down In Value BDVL20073 L (exp. 06/09) 2007 METLIFE, INC. PEANUTS United Feature Syndicate, Inc. Metropolitan Life Insurance Company 200 Park Avenue MetLife New Investors York, NY Distribution Company 5 Park Plaza, Suite Irvine, CA

5 MetLife Investors Life Insurance Review Ensuring life insurance coverage meets today s goals Life. your way SM

6 Life. your way Preserve your lifestyle. Live your dream. Build financial freedom with confidence and certainty. Discover the flexibility of life insurance protect, accumulate and transfer wealth now and in the future. Be free to live life, your way. MetLife Investors

7 ARE YOU CONCERNED ABOUT preserving the assets THAT YOU SPENT YEARS ACCUMULATING? HAVE YOU RECENTLY had a life changing event? ARE YOU ADEQUATELY protecting the economic value OF YOUR LIFE? Have you properly planned FOR THE UNEXPECTED? Life insurance offers unique benefits. A life insurance death benefit can avoid probate and income tax and can provide considerable leverage. With the appropriate life insurance policy, you may have a source of income tax-free funds that can be used to satisfy a variety of objectives. With life insurance, you can fulfill your promises to yourself, your family and your business. THE BENEFITS LIFE INSURANCE MAY PROVIDE: If the policy is a Modified Endowment Contract (MEC), income taxes are due upon withdrawal, and, if withdrawn before age , a 10% penalty tax may apply. For a non-mec contract, income taxes are due upon withdrawal, only to the extent that they exceed basis. Loaned amounts are generally not subject to income taxation. Loans and withdrawals will decrease the cash value and death benefit. A substantial benefit in exchange for a relatively low amount of premium dollars An income tax-free death benefit to your beneficiaries Estate tax-free proceeds, with proper planning Cash death benefit for taxes, or living expenses while estate is settled The potential to accumulate assets on a tax-deferred basis A source of tax-free funds to satisfy a variety of objectives, including education and retirement 1

8 What is a LIFE Changing? Event HAVE YOU FULLY EVALUATED THE ECONOMIC VALUE OF YOUR LIFE? Over time the economic value of your life may have increased. Do you understand the factors that you may need to consider? Some of these factors may include the following: Continuing financial responsibilities to your family or community Debts or other financial obligations Educational funding for children or grandchildren Changes in income or net worth Divorce, child support or blended family obligations Continuation of your family or community responsibilities Desire to protect your business assets, partners or key persons 2

9 COMMON LIFE CHANGING EVENTS INCLUDE: 1. MARRIAGE OR DIVORCE 2. BIRTH OF A CHILD OR GRANDCHILD 3. PURCHASE OF A NEW HOME 4. DISABILITY 5. OWNING A BUSINESS 6. CHANGE IN BUSINESS VALUATION 7. RETIREMENT 8. EDUCATION FOR YOUR CHILDREN 9. ELDER CARE FOR YOUR PARENTS 3

10 Having already purchased life insurance, you understand that there are expenses your loved ones have that they may be counting on you to provide after your death, or that you simply wish to provide for them even though you may have used great care and forethought when purchasing your coverage. Life insurance isn t an asset that can be purchased and forgotten. You should review all the aspects of your policy approximately every 1-2 years as well as any time you experience a life changing event. Most of the time, you will find that the coverage you have already purchased still meets your needs, but you may need to make certain changes like investment subaccounts or beneficiary designations. Sometimes you will find that your need for insurance coverage has either increased or decreased. You may occasionally find that due to changes in your health, medical advances or industry competition you may be able to purchase the same death benefit for quite a bit less premium. It is extremely important to review your life insurance coverage with your financial professional regularly to ensure that the coverage you have purchased is still providing the intended protection at a reasonable cost. case study #1 YOUNGER CLIENTS Jim & Laurie Our lifestyle has changed so quickly in the last few years that we didn t consider our life insurance needs. theconcern thesolution Jim and Laurie bought a term contract to pay off their mortgage in the event Jim died unexpectedly. Since then, the couple had two children and Laurie stopped working. Due to changed circumstances, their financial professional recommends a life insurance review and points out several things to them. The term policy they purchased and Jim s group term contract through his employer is not enough to pay off the mortgage, help Laurie raise the children and pay college tuition. Moreover, their term coverage, even though level, is scheduled to have a jump in premium based on the guarantees in the contract. 4

11 thebenefit Through a life insurance review, their financial professional shows them how they can meet all of their needs by setting coverage at appropriate levels. Jim and Laurie now understand the importance of reviewing their protection coverage periodically and have committed to meet with their financial professional with greater frequency. This example is hypothetical, actual results may vary. 5

12 case study #2 BUSINESS OWNERS George & Spencer Building this business has been our focus. Now that we have a financial professional to focus on our business planning needs, we can get back to what we do best. theconcern thesolution George and Spencer are co-owners in a business. Some years ago they established a cross-purchase business continuation plan where each planned to buy-out the other in the event of a death. They funded the insurance with a combination of permanent and term coverage. The permanent coverage was variable universal life, intended to provide a source of supplemental income if the policies were not needed by retirement. The term was intended to cover any gaps in the cost of the business. Now, the business has increased tremendously in value. Their financial professional discovers that their current coverage is not sufficient to accomplish their goals. He also points out that the variable universal life insurance is underperforming and recommends reviewing current investment options. 6 Because George and Spencer have each decided to sell their share of the business to the surviving partner, even after retirement, a term policy designed to expire at retirement is no longer suitable for their needs. Fortunately, their current term policy has a conversion privilege that can be used to fund part of a new universal life insurance policy with a higher death benefit to fund their plans for the continuation of the business. At this time, they also review the investment options in the variable policies and make some changes to the subaccounts they have chosen.

13 thebenefit By converting their existing term insurance to universal life insurance policies that will last for their lifetimes, the survivor will be able to purchase the other half of the business no matter when the first partner dies. They are also hopeful that the changes they have made to the variable policies subaccounts will provide the potential for higher returns. This example is hypothetical, actual results may vary. 7

14 case study #3 CLIENTS UTILIZING A TRUST Paul & Margaret We thought our trust was on auto-pilot, but our financial professional opened our eyes to the need for a regular review. theconcern thesolution Paul and Margaret set up their estate plan ten years ago. As part of the plan they set up an irrevocable trust and the trustee purchased two second-to-die policies on their lives from two different companies. One was a participating whole life contract; the other was a universal life contract. The couple has diligently made gifts for premium payments each year, and the trust is in good shape. However, no one including the trustee has reviewed the life insurance policies during that time. At the urging of their financial professional and CPA, Paul and Margaret contacted the trustee and asked to have the policies reviewed. After a thorough analysis, it was determined that both policies were not performing as expected. Both were sold using assumptions that, while normal for life insurance policies ten years ago, are unrealistically high in today s environment. The participating whole life policy had experienced dividend cuts over the last ten years. Because the universal life policy was being credited over 500 basis points (5%) lower than the illustration upon which the policy was sold, the policy would now require premiums be paid an additional 12 years over the original period. 8

15 thebenefit By evaluating the newer policies on the market, it is determined that they can obtain slightly more coverage than the original policies while preserving the original premium schedule illustrated ten years ago. They were then pleased to discover that Paul is now eligible for the preferred nonsmoker class where the existing contracts had rated him Table B and as a smoker. Paul quit smoking several years ago, but never even thought to inform his existing carriers. With the new policy and improved ratings from underwriting, Paul and Margaret s trust now owns life insurance with an approximately 20% higher death benefit, and a reduced period of premium payments. This example is hypothetical, actual results may vary. 9

16 Pursuant to IRS Circular 230, MetLife is providing you with the following notification: The information contained in this document is not intended to (and cannot) be used by anyone to avoid IRS penalties. This document supports the promotion and marketing of insurance products. You should seek advice based on your particular circumstances from an independent tax advisor. MetLife, its agents, and representatives may not give legal or tax advice. Any discussion of taxes herein or related to this document is for general information purposes only and does not purport to be complete or cover every situation. Tax law is subject to interpretation and legislative change. Tax results and the appropriateness of any product for any specific taxpayer may vary depending on the facts and circumstances. You should consult with and rely on your own independent legal and tax advisers regarding your particular set of facts and circumstances. MetLife Variable Life Policy Form #TL-15598(L in New York), MetLife Variable Life Accumulator Policy Form #TL (L in New York) and MetLife Variable Survivorship Life II Policy Form #TL (L in New York) is issued by MetLife Life and Annuity Company of Connecticut and MetLife Insurance Company of Connecticut, One Cityplace, Hartford, CT , depending on jurisdiction. Variable universal life insurance (VUL) is issued by MetLife Investors Insurance Company on Policy Form Series CLP001 and CP002. Guaranteed Advantage Universal Life (GAUL) is issued by MetLife Investors USA Insurance Company on Policy Form Series 5E and, in New York only, by Metropolitan Life Insurance Company, New York, 200 Park Avenue, New York, NY on Policy Form Series 1E NY. Legacy Advantage Survivorship Universal Life (LASUL) is issued by MetLife Investors USA Insurance Company on Policy Form Series 5E and, in New York only, by Metropolitan Life Insurance Company on Policy Form Series 1E NY. Universal Advantage Universal Life (UAUL) is issued by MetLife Investors USA Insurance Company on Policy Form Series 5E-31-05, and in New York only, by Metropolitan Life Insurance Company on Policy Form Series 1E NY. Products are distributed by MetLife Investors Distribution Company (MetLife Investors), 5 Park Plaza, Suite 1900, Irvine, CA A prospectus for variable life insurance issued and/or distributed by MetLife Investors Distribution Company and for the investment portfolios are available from your financial professional or in the life insurance sales kit. The contract prospectus contains information about the contract s features, risks, charges and expenses. The investment objectives, risks and policies of the investment options, as well as other information about the investment options, are described in their respective prospectuses. Please read the prospectuses and consider this information carefully before investing. Product availability and features may vary by state. MetLife variable life insurance policies have exclusions, limitations and conditions for keeping them in force. Your financial professional can provide you with details and information related to costs. There is no guarantee that any of the variable investment options in this product will meet their stated goals or objectives. The account value is subject to market fluctuations so that, when withdrawn, it may be worth more or less than its original value. All product guarantees are subject to the terms of the policy and are based on the claims-paying ability and financial strength of the issuing insurance company. Life insurance is medically underwritten. You should not cancel your current coverage until your new coverage is in force. Surrender charges may be due on an exchange of one contract for another. A change in policy may require an examination. Surrenders may be taxable. You should consult your own tax advisors regarding tax liability on surrenders. Insurance Products: Not A Deposit Not FDIC Insured Not Insured By Any Federal Government Agency Not Guaranteed By Any Bank Or Credit Union May Go Down In Value CLVL20075 L (exp. 06/09) A 2007 METLIFE, INC. PEANUTS United Feature Syndicate, Inc. MetLife Investors Distribution Company 5 Park Plaza, Suite 1900 Irvine, CA

MetLife Investors. Life Insurance Review. Ensuring life insurance coverage meets today s goals. Life. your way

MetLife Investors. Life Insurance Review. Ensuring life insurance coverage meets today s goals. Life. your way MetLife Investors Life Insurance Review Ensuring life insurance coverage meets today s goals Life. your way SM Life. your way Preserve your lifestyle. Live your dream. Build financial freedom with confidence

More information

Life Insurance Review. Ensuring life insurance coverage meets today s goals. Life. your way

Life Insurance Review. Ensuring life insurance coverage meets today s goals. Life. your way Life Insurance Review Ensuring life insurance coverage meets today s goals Life. your way SM Life. your way Strive to live your dream and plan for the if in life. Discover the flexibility of life insurance

More information

Life Insurance Review. helping to ensure your life insurance coverage meets today s goals

Life Insurance Review. helping to ensure your life insurance coverage meets today s goals Life Insurance Review helping to ensure your life insurance coverage meets today s goals Life. your way Strive to live your dream and plan for the if in life. Discover the flexibility of life insurance

More information

Life Insurance Review. helping to ensure your life insurance coverage meets today s goals

Life Insurance Review. helping to ensure your life insurance coverage meets today s goals Life Insurance Review helping to ensure your life insurance coverage meets today s goals Life. your way Strive to live your dream and plan for the if in life. Discover the flexibility of life insurance

More information

Life Insurance Review. Producer Guide. Ensuring life. insurance coverage. meets today s goals

Life Insurance Review. Producer Guide. Ensuring life. insurance coverage. meets today s goals Life Insurance Review Producer Guide Ensuring life insurance coverage meets today s goals Life. your way SM Life. your way MetLife understands your business. We respect your entrepreneurial spirit as you

More information

Life Insurance Review

Life Insurance Review Life Insurance Review A Sales Tool for All Clients Agenda Why a Life Insurance Review Typical Client Situations MetLife Support 1 Why a Life Insurance Review Role of Life Insurance Central in Completion

More information

Life Insurance Review Using Legacy Advantage SUL Insurance Policy

Life Insurance Review Using Legacy Advantage SUL Insurance Policy Using Legacy Advantage SUL Insurance Policy Supplemental Illustration Prepared by: MetLife Agent 200 Park Ave. New York, NY 10166 Insurance Products: Not A Deposit Not FDIC-Insured Not Insured By Any Federal

More information

LIFE INSURANCE. Life Insurance as an Asset. From Peanuts Char. Portfolio 2002 WO_15A. A New Look. Fr om Peanuts Collection II Fall/Winter CD.

LIFE INSURANCE. Life Insurance as an Asset. From Peanuts Char. Portfolio 2002 WO_15A. A New Look. Fr om Peanuts Collection II Fall/Winter CD. LIFE INSURANCE Life Insurance as an Asset Fr om Peanuts Collection II Fall/Winter CD From Peanuts Char. Portfolio 2002 WO_15A A New Look on Life a valuable component financial your portfolio Life insurance

More information

Capital Needs Analysis

Capital Needs Analysis Supplemental Illustration Prepared by: MetLife Agent 200 Park Ave. New York, NY 10166 Insurance Products: Not A Deposit Not FDIC-Insured Not Insured By Any Federal Government Agency Not Guaranteed By Any

More information

LIFE TERM. Guaranteed Level Term. Protection. Flexibility. Value.

LIFE TERM. Guaranteed Level Term. Protection. Flexibility. Value. LIFE TERM Guaranteed Level Term Protection. Flexibility. Value. Life. your waysm Strive to live your dream and plan for the if in life. Discover the flexibility of life insurance protect and transfer wealth

More information

LIFE INSURANCE. Life Insurance as an Asset. From Peanuts Char. Portfolio 2002 WO_15A. A New Look. Fr om Peanuts Collection II Fall/Winter CD.

LIFE INSURANCE. Life Insurance as an Asset. From Peanuts Char. Portfolio 2002 WO_15A. A New Look. Fr om Peanuts Collection II Fall/Winter CD. LIFE INSURANCE Life Insurance as an Asset Fr om Peanuts Collection II Fall/Winter CD From Peanuts Char. Portfolio 2002 WO_15A A New Look on Life a valuable component financial of your portfolio Life insurance

More information

Key Person Life Insurance Protect your business by insuring its MVPs LIFE INSURANCE

Key Person Life Insurance Protect your business by insuring its MVPs LIFE INSURANCE Key Person Life Insurance Protect your business by insuring its MVPs LIFE INSURANCE Life. your way Strive to live your dreams. Discover the flexibility of life insurance protect, accumulate and transfer

More information

Maximizing Wealth Transfer using Innovative Trust Designs

Maximizing Wealth Transfer using Innovative Trust Designs Maximizing Wealth Transfer using Innovative Trust Designs For For Producer or or Broker/Dealer Use Use Only. Only. Not Not for for Public Distribution. Why Life Insurance? Provides for: Personal family

More information

Life Insurance Review

Life Insurance Review Supplemental Illustration Prepared by: MetLife Agent Financial Services Representative 200 Park Ave. New York, NY 10166 Insurance Products: Not A Deposit Not FDIC-Insured Not Insured By Any Federal Government

More information

LIFE INSURANCE. Spousal Lifetime Access Trust. Transferring wealth and retaining spousal access

LIFE INSURANCE. Spousal Lifetime Access Trust. Transferring wealth and retaining spousal access LIFE INSURANCE Spousal Lifetime Access Trust Transferring wealth and retaining spousal access Life. your way SM Strive to live your dreams. Discover the flexibility of life insurance protect, accumulate

More information

LIFE WHOLE. MetLife Promise Whole LifeSM. life. a foundation for

LIFE WHOLE. MetLife Promise Whole LifeSM. life. a foundation for LIFE WHOLE MetLife Promise Whole LifeSM a foundation for life Life. your way SM Strive to live your dream and plan for the if in life. Discover the flexibility of life insurance protect, accumulate and

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

17.75 in. 11 in. 16 in. 5 in. RADIUS CORNER.5 in. 8.5 in. 8.5 in..75 in.

17.75 in. 11 in. 16 in. 5 in. RADIUS CORNER.5 in. 8.5 in. 8.5 in..75 in. 17.75 in. LIFE INSURANCE Variable Life Insurance is offered by prospectus only, which is available from your registered representative. You should carefully read the product prospectus and consider the

More information

Spousal Lifetime Access Trust Using Legacy Advantage SUL Insurance Policy

Spousal Lifetime Access Trust Using Legacy Advantage SUL Insurance Policy Spousal Lifetime Access Trust Using Insurance Policy Supplemental Illustration Valued Client & Valued Client Prepared by: MetLife Agent 2 Park Ave. New York, NY 1166 Insurance Products: Not A Deposit Not

More information

clarifying choosing a life insurance policy doesn t have to be complicated. Life Insurance Selector life s choices protecting your family

clarifying choosing a life insurance policy doesn t have to be complicated. Life Insurance Selector life s choices protecting your family Prospectuses for Equity Advantage Variable Universal Life, and for the investment portfolios offered thereunder, are available from MetLife. The policy prospectus contains information about the policies

More information

Executive Bonus. Recruit, Reward and Retain Your Best Employees. Core Stories for Life. learn more about MetLife s. financial professional to

Executive Bonus. Recruit, Reward and Retain Your Best Employees. Core Stories for Life. learn more about MetLife s. financial professional to 17.75 in. Prospectuses for Equity Advantage Variable Universal Life, and for the investment portfolios offered thereunder, are available from MetLife. The policy prospectus contains information about the

More information

Life Insurance Selector SM. Questionnaire. clarifying life s. choices NAME: DATE:

Life Insurance Selector SM. Questionnaire. clarifying life s. choices NAME: DATE: Life Insurance Selector SM Questionnaire clarifying life s choices NAME: DATE: I. How Much INSTRUCTIONS FOR METLIFE S LIFE INSURANCE INCOME SIMPLIFIER: Determine your monthly income, the amount you wish

More information

LIFE INSURANCE. Life Insurance Selector SM. Questionnaire. clarifying. life s choices NAME: DATE:

LIFE INSURANCE. Life Insurance Selector SM. Questionnaire. clarifying. life s choices NAME: DATE: LIFE INSURANCE Life Insurance Selector SM Questionnaire clarifying life s choices NAME: DATE: I. How Much? Instructions for MetLife s Life Insurance Income Simplifier: Determine your monthly income, the

More information

Financial Strategies for the LGBT Community

Financial Strategies for the LGBT Community Financial Strategies for the LGBT Community with PLANNING for the unique ifs in your life. When it comes to planning in today s financial world, there are many ifs in life uncertainties that can derail

More information

Life Insurance Selector SM. clarifying. life s choices

Life Insurance Selector SM. clarifying. life s choices Life Insurance Selector SM clarifying life s choices Protecting your family choosing a life insurance policy to protect life s ifs doesn t have to be complicated. MetLife has been helping people find solutions

More information

Wealth Strategies for Business Owners. focused solutions for driven customers LIFE INSURANCE

Wealth Strategies for Business Owners. focused solutions for driven customers LIFE INSURANCE LIFE INSURANCE Wealth Strategies for Business Owners focused solutions for driven customers Life. your way MetLife s Wealth Strategies for Business Owners can help take your business to new heights with

More information

ANNUITIES Annuities for the LGBT Community

ANNUITIES Annuities for the LGBT Community ANNUITIES Annuities for the LGBT Community with Preparing for the IFs in life. As you look ahead to your retirement years, you may have some concerns about what your life will be like as you get older.

More information

Fixed Annuities. MetLife fixed annuities are designed for individuals whose top priorities are safety and predictability. Safety

Fixed Annuities. MetLife fixed annuities are designed for individuals whose top priorities are safety and predictability. Safety ANNUITIES FIXED Fixed Annuities MetLife fixed annuities are designed for individuals whose top priorities are safety and predictability. Safety No matter what happens in the financial markets, your principal

More information

Preference Premier. for your loved ones. Enhanced Death Benefit & Earnings Preservation Benefit. Protection Benefits ANNUITIES VARIABLE

Preference Premier. for your loved ones. Enhanced Death Benefit & Earnings Preservation Benefit. Protection Benefits ANNUITIES VARIABLE ANNUITIES VARIABLE Preference Premier for your loved ones. Protection Benefits Enhanced Death Benefit & Earnings Preservation Benefit ISSUED BY METROPOLITAN LIFE INSURANCE COMPANY what if you could provide

More information

Providing income. when you need it for as long as you need it. MAX Income Single Premium Immediate Annuity is issued by

Providing income. when you need it for as long as you need it. MAX Income Single Premium Immediate Annuity is issued by MetLife Income Annuity SM Providing income when you need it for as long as you need it Single Premium Immediate Annuity is issued by MetLife Investors USA Insurance Company and in New York, only by First

More information

LIFE WHOLE. Whole Life. a foundation. for life

LIFE WHOLE. Whole Life. a foundation. for life LIFE WHOLE Whole Life a foundation for life At MetLife, our representatives are committed to helping you find solutions to all of life s possibilities and uncertainties the ifs in life. solutions for the

More information

you can take RMDs while growing and protecting your benefit

you can take RMDs while growing and protecting your benefit ANNUITIES VARIABLE you can take RMDs while growing and protecting your benefit MetLife s optional riders provide you with the RMD flexibility you need GMIB Plus and Enhanced Death Benefit What is a variable

More information

Life Insurance Selector SM. clarifying. life s choices

Life Insurance Selector SM. clarifying. life s choices Life Insurance Life Insurance Selector SM clarifying life s choices Protecting your family MetLife 1 has been helping people find solutions to life s possibilities and for over 140 years. choosing a life

More information

HARTFORD LEADERS VUL LEGACY

HARTFORD LEADERS VUL LEGACY HARTFORD LEADERS VUL LEGACY Preserve your legacy with variable universal life insurance Client: Jack Age: 42 Estimated net worth: $750,000 Profession: Warehouse manager His story: Married, three children

More information

Wealth Strategies Core Stories for Life. Accumulate, Protect, Transfer LIFE INSURANCE

Wealth Strategies Core Stories for Life. Accumulate, Protect, Transfer LIFE INSURANCE LIFE INSURANCE Wealth Strategies Core Stories for Life Accumulate, Protect, Transfer Core Stories for Life. Life insurance sales strategies to meet your client s needs The Life. your way selling system

More information

LIF LIFE INSURANCE E TERM. Owning vs. Renting. Permanent or term life insurance. which is right for you?

LIF LIFE INSURANCE E TERM. Owning vs. Renting. Permanent or term life insurance. which is right for you? LIN BA LIF LIFE INSURANCE E TERM Owning vs. Renting Permanent or term life insurance which is right for you? HOW DO YOU PICTURE YOUR FAMILY S FUTURE? If you re like most people, you probably feel that

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

supplement your retirement income maintain your lifestyle

supplement your retirement income maintain your lifestyle supplemental income using life insurance supplement your retirement income maintain your lifestyle Investment and Insurance Products: Are Not Deposits of Any Bank Are Not FDIC Insured Are Not Insured By

More information

MetLife Income Annuity SM

MetLife Income Annuity SM MetLife Income Annuity SM Predictable income that lasts as long as you live Single Premium Immediate Annuity is issued by MetLife Investors USA Insurance Company and in New York, only by First MetLife

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. Life Insurance Selector SM Questionnaire. clarifying. life s choices NAME: DATE:

LIFE INSURANCE. Life Insurance Selector SM Questionnaire. clarifying. life s choices NAME: DATE: LIFE INSURANCE Life Insurance Selector SM Questionnaire clarifying life s choices NAME: DATE: I. How Much? Instructions for MetLife s Life Insurance Income Simplifier: Determine your monthly income, the

More information

Insurance. Survivorship Life. Insurance. The Company You Keep

Insurance. Survivorship Life. Insurance. The Company You Keep Insurance Survivorship Life Insurance The Company You Keep Permanent Life Insurance Protection for Two People You ve built a legacy, but who will be the recipients your heirs or the IRS? 1 Now is the time

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

Why a Life Insurance Review

Why a Life Insurance Review Why a Life Insurance Review Life Insurance Changes Policies Not Performing as Expected Improved Underwriting New Riders May Offer Improved Options Longer-Term Needs Call for Permanent or Better Term Coverage

More information

Flexible protection to help meet a lifetime of needs

Flexible protection to help meet a lifetime of needs TIAA-CREF Life Insurance Company Flexible protection to help meet a lifetime of needs Intelligent Life Universal Life Insurance and Intelligent Life Survivorship Universal Life Insurance Designed to meet

More information

Accumulator Variable Universal Life

Accumulator Variable Universal Life Accumulator Variable Universal Life Variable Product Series Building your future with a secure partner SM Kansas City Life Insurance Company Century II Accumulator Variable Universal Life Features at a

More information

Advanced Markets Success Strategy Life Insurance in Retirement Planning Plus

Advanced Markets Success Strategy Life Insurance in Retirement Planning Plus Success 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

Unlocking the value of whole life

Unlocking the value of whole life An Educational Guide for Individuals Unlocking the value of whole life Whole life insurance as a financial asset Insurance Strategies Contents 3 Whole life insurance: A versatile financial asset 4 Providing

More information

The Flexibility of Cash Value Life Insurance

The Flexibility of Cash Value Life Insurance Advanced Markets The Flexibility of Cash Value Life Insurance Beyond Protection With today s focus on value and flexibility, cash value life insurance comes into its own. Beyond its main purpose of death

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

INDIVIDUAL LIFE INSURANCE. Consider Hartford Universal Life CV. As Part of Your Policy Review

INDIVIDUAL LIFE INSURANCE. Consider Hartford Universal Life CV. As Part of Your Policy Review INDIVIDUAL LIFE INSURANCE Consider Hartford Universal Life CV As Part of Your Policy Review Review Your Li Keep Long-Term fe Insurance to Help Objectives on Track You recognized your need for life insurance

More information

Flexible Premium Adjustable Life Insurance Policy Illustration

Flexible Premium Adjustable Life Insurance Policy Illustration Flexible Premium Adjustable Life Insurance Policy Illustration Prepared for: d Client Prepared by: Illustration Desk 2801 Townsgate Rd. Suite 350 Westlake Village, California, 91361 Tel: 800-350-2019 License

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

WHAT TO EXPECT FROM A POLICY REVIEW IS YOUR LIFE INSURANCE POLICY KEEPING PACE WITH LIFE?

WHAT TO EXPECT FROM A POLICY REVIEW IS YOUR LIFE INSURANCE POLICY KEEPING PACE WITH LIFE? WHAT TO EXPECT FROM A POLICY REVIEW IS YOUR LIFE INSURANCE POLICY KEEPING PACE WITH LIFE? IS YOUR LIFE INSURANCE KEEPING PACE WITH LIFE? 1. Are you concerned about preserving the assets that you spent

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

We keep our promises.

We keep our promises. We keep our promises. So you can keep yours. It s a selfless act. The decision you make today is for someone else s future. Purchasing life insurance is about more than just planning for the future. It

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

Build a Strong Financial Future

Build a Strong Financial Future The Principal Financial Group Build a Strong Financial Future LIFE INSURANCE AS AN ASSET Building a strong financial future You work hard to build financial security for you and your family. Are you considering

More information

New Enhanced Life Insurance Program

New Enhanced Life Insurance Program New Enhanced Life Insurance Program For MegaFlex and Flex Participants Effective January 1, 2007, the current optional group term life insurance plan will be replaced with a new program available through

More information

DEVELOPING AN ESTATE PLAN

DEVELOPING AN ESTATE PLAN DEVELOPING AN ESTATE PLAN The first step in estate planning is very personal. You must decide who inherits which assets and when they should receive them. The following are a handful of the questions you

More information

longevity Income Guarantee a safety net of lifetime income for later in life Flexible Access Version Maximum Income Version ANNUITIES income

longevity Income Guarantee a safety net of lifetime income for later in life Flexible Access Version Maximum Income Version ANNUITIES income ANNUITIES income longevity SM Income Guarantee a safety net of lifetime income for later in life Flexible Access Version Maximum Income Version MetLife Investors Longevity Income Guarantee SM is issued

More information

An n u i t y. Preserving Hard-Earned Annuity Assets. t r a n s a m e r i c a 1

An n u i t y. Preserving Hard-Earned Annuity Assets. t r a n s a m e r i c a 1 An n u i t y Maximization Strategy Preserving Hard-Earned Annuity Assets t r a n s a m e r i c a 1 Alternatives to help protect financial assets, increase current income stream, or decrease income tax

More information

MetLife Income Annuity SM. Providing income. when you need it for as long as you need it

MetLife Income Annuity SM. Providing income. when you need it for as long as you need it MetLife Income Annuity SM Providing income when you need it for as long as you need it A METLIFE INCOME ANNUITY 1 OFFERS THESE ADVANTAGES: Stable lifetime income that you can count on to help cover day-to-day

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

Lincoln life insurance portfolio at-a-glance

Lincoln life insurance portfolio at-a-glance Tax-efficiency Guarantees Protection life insurance portfolio at-a-glance Cash flow Growth potential Estate planning Business protection The National Life Insurance Company Not a deposit Not FDIC-insured

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

First to Die (Joint Life)

First to Die (Joint Life) First to Die (Joint Life) What is a joint life first-to-die policy? A joint life first-to-die life insurance policy insures more than one life under one insurance contract. While a joint life policy can

More information

Wealth Structuring and Estate Planning. Your vision and your legacy. Life s better when we re connected

Wealth Structuring and Estate Planning. Your vision and your legacy. Life s better when we re connected Wealth Structuring and Estate Planning Your vision and your legacy Life s better when we re connected Inside 1 Helping you shape the future 2 The elements of wealth structuring 4 The power and flexibility

More information

LIFE INSURANCE IN RETIREMENT PLANNING

LIFE INSURANCE IN RETIREMENT PLANNING CREATED EXCLUSIVELY FOR FINANCIAL PROFESSIONALS PROTECTION AND POTENTIAL INCOME LIFE INSURANCE IN RETIREMENT PLANNING CONCEPT KIT NOT FOR CONSUMER USE. 0251129-00001-00 Ed. 09/2013 Exp. 03/23/2015 DID

More information

Annuity Maximization Strategy

Annuity Maximization Strategy Annuity Maximization Strategy Preserving Hard-Earned Annuity Assets t r a n s a m e r i c a 1 Alternatives to help protect financial assets, increase current income stream, or decrease income tax liabilities

More information

LIFE INSURANCE & ANNUITIES. Call on AAA with confidence. Have a question? Need a quote? Simply contact your nearest AAA Agent: ALMI-18384-D8-XX

LIFE INSURANCE & ANNUITIES. Call on AAA with confidence. Have a question? Need a quote? Simply contact your nearest AAA Agent: ALMI-18384-D8-XX Call on AAA with confidence. Have a question? Need a quote? Simply contact your nearest AAA Agent: LIFE INSURANCE & ANNUITIES ALMI-18384-D8-XX 5450-42287 R E L I A B I L I T Y Life is filled with questions.

More information

Variable Universal Life Permanent Life Insurance. Flexible premiums and potential cash value

Variable Universal Life Permanent Life Insurance. Flexible premiums and potential cash value Variable Universal Life Permanent Life Insurance Flexible premiums and potential cash value Why consider a Variable Universal Life Policy? Permanent life insurance protection, plus potential cash value

More information

Life Insurance in Retirement Planning

Life Insurance in Retirement Planning Life Insurance in Retirement Planning HOW PERMANENT LIFE INSURANCE CAN HELP MEET YOUR DEATH BENEFIT NEEDS AND ENHANCE YOUR RETIREMENT. 0251133-00002-00 Did You Know? Many high-income and high-net worth

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

Is Your Financial Portfolio an Unfinished Work? Color It with a Life Insurance Retirement Plan Protection Now, Income Later

Is Your Financial Portfolio an Unfinished Work? Color It with a Life Insurance Retirement Plan Protection Now, Income Later Life Insurance Client Guide The Art of Retirement Is Your Financial Portfolio an Unfinished Work? Color It with a Life Insurance Retirement Plan Protection Now, Income Later AD-OC-770D 1 Picture Your Future

More information

Protection for Your Estate

Protection for Your Estate BB9604-07 Principal Survivorship Universal Life Protector II SM Protection for Your Estate Is your legacy protected? You ve built your estate through hard work and smart decisions. Yet, without one final

More information

Continuing Education for CPAs

Continuing Education for CPAs UFS Making Sense of the Tax Rules Affecting Annuity Contracts L0712267374(exp0713)(all states) Metropolitan Life Insurance Company, New York, NY 10166. New England Financial is the registered mark for

More information

Give a Gift of a Lifetime Uncovering the Money Stages of Whole Life Insurance

Give a Gift of a Lifetime Uncovering the Money Stages of Whole Life Insurance Give a Gift of a Lifetime Uncovering the Money Stages of Whole Life Insurance A CONSUMER GUIDE FOR ILLUSTRATION UNDERSTANDING IN JUVENILE GIFTING SCENARIOS: USING GUARDIAN WHOLE LIFE PAID-UP AT AGE 65

More information

Life Insurance Life Advice

Life Insurance Life Advice Life Insurance Life Advice What to look for in life insurance Deciding to protect those who depend on us with a sufficient amount of life insurance protection is a responsible and caring act. Life insurance

More information

IRA. (I m Ready to Act)

IRA. (I m Ready to Act) IRA (I m Ready to Act) bravo! You ve reached the next stage in preparing for retirement. First stage: accumulating money for the future You ve taken the first steps toward a fulfilling and financially

More information

Discover What s Possible

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

More information

Clarifying Life s Choices

Clarifying Life s Choices MetLife Life Insurance Selector Clarifying Life s Choices PIPAC LIFE Symposium October 12, 2010 0 Outline New Normal Key Benefits Key Link Life Insurance Selector Three Step Process Marketing Materials

More information

Annuity Rescue Strategy

Annuity Rescue Strategy Annuity Rescue Strategy An estate planning technique for individuals who own deferred annuities with sizable growth. Transamerica Occidental Life Insurance Company Despite the advantage of tax-deferred

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

Survivorship Builder. An indexed survivorship life policy AS2000 (04-15)

Survivorship Builder. An indexed survivorship life policy AS2000 (04-15) Survivorship Builder An indexed survivorship life policy AS2000 (04-15) Accordia Life believes in the essence of family. Your family may be a traditional one. It may be a group of people who care for

More information

plain talk about life insurance

plain talk about life insurance plain talk about life insurance The right life insurance can have an enormous effect on your life and the lives of those you love. It can mean the difference between leaving your loved ones well positioned

More information

Metropolitan Life Insurance Company ( MetLife ) ExecutiveCare SM

Metropolitan Life Insurance Company ( MetLife ) ExecutiveCare SM Metropolitan Life Insurance Company ( MetLife ) ExecutiveCare SM MetLife s Long-Term Care Insurance Executive Benefit Program ADF# 1665.06 MetLife Investors L06079UZ9(exp0707)MLIC-LD PEANUTS United Feature

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

A solution offering much more than life insurance.

A solution offering much more than life insurance. AdvanceSource accelerated benefit A solution offering much more than life insurance. The purpose of this communication is the solicitation of insurance. Contact will 291251-D be made by an insurance agent,

More information

Producer Guide. External Term Conversion Program LIFE INSURANCE UPDATED DECEMBER 2012

Producer Guide. External Term Conversion Program LIFE INSURANCE UPDATED DECEMBER 2012 External Term Conversion Program LIFE INSURANCE Producer Guide UPDATED DECEMBER 2012 External Term Conversion Overview Through the External Term Conversion program, MetLife 1 will allow a conversion from

More information

Understanding the Income Taxation of Life Insurance

Understanding the Income Taxation of Life Insurance A Reference Guide for Individuals and Businesses Understanding the Income Taxation of Life Insurance Answers to Frequently Asked Questions Tax Insights Contents 1 General Questions 4 Non-MEC Policy Questions

More information

A guide to buying insurance from Wells Fargo Advisors

A guide to buying insurance from Wells Fargo Advisors A guide to buying insurance from Wells Fargo Advisors What you should know before you buy Is life insurance right for you? Life insurance policies are designed for investors who: Seek liquidity to cover

More information

Making life work for estate planning

Making life work for estate planning Life insurance opportunities Making life work for estate planning Financial professional s guide m A Securian Company The Tax Relief Act of 2010 significantly changed the federal transfer tax system, including

More information

Estate Tax Concepts. for Edward and Tina Collins

Estate Tax Concepts. for Edward and Tina Collins Estate Tax Concepts for Edward and Tina Collins Joseph Davis, CLU, ChFC 215 Broad Street Charlotte, North Carolina 26292 Phone: 704-927-5555 Mobile Phone: 704-549-5555 Fax: 704-549-6666 Email: joseph.davis@aol.com

More information