Annuity Maximization. Annuities are designed for retirement income What if you do not need the income? Using Life Insurance AD-OC-851A
|
|
- Rolf Robbins
- 8 years ago
- Views:
Transcription
1 Annuity Maximization Annuities are designed for retirement income What if you do not need the income? AD-OC-851A
2 Annuity Maximization The Situation Deferred annuities have traditionally been a vehicle for accumulating wealth in a tax-deferred manner for retirement. Over time, however, your goal may change from accumulating wealth to transferring wealth and preserving the estate. Upon death, annuities do not receive a stepped-up basis. Consequently, the annuity beneficiaries will pay income tax on the gain in the annuity when they take distributions. Moreover, if you do not deplete the annuity balance prior to death, the annuity will be included in the estate for determining estate taxes. 1 Therefore, annuities are potentially subject to both income and estate taxes. In the proper situation, using distributions from the annuity to purchase life insurance may accomplish the objective of getting the most of out of the annuity wealth transferred at death. The Strategy After planning and having sufficient assets for retirement, you may face a dilemma if you do not need to take distributions from your annuity during life: how to plan for the disposition of an annuity in a manner that maximizes the wealth transferred to your heirs. Since annuities cannot be gifted during life without triggering income tax, the options available are limited. Annuity maximization is a strategy designed for annuity owners who do not need the income from their annuity. As an annuity owner, you take taxable distributions from your annuity. 2 You then gift these net after-tax distributions to an irrevocable life insurance trust (ILIT) using your annual exclusions and/or lifetime gift tax exemption equivalent amount. 1 The trustee 3 of the ILIT, using these net after-tax distributions, then purchases a life insurance policy on you and/or your spouse. 4 The ILIT is the owner and beneficiary of the life insurance policy. Upon the death of you and/or your spouse, the death benefit payable to the ILIT should pass to the ILIT free of both income * and estate taxes, if properly structured. The trust beneficiaries may then receive the trust assets per the ILIT terms. What you accomplish Reduce annuity values subject to taxation at death. Help replace the value of the annuity proceeds lost to taxes for the heirs. Provide for life insurance death benefit proceeds to pass to the ILIT free from income * and estate taxes. * For federal income tax purposes, life insurance death benefits generally pay income tax-free to beneficiaries pursuant to IRC Sec. 101(a)(1). In certain situations, however, life insurance death benefits may be partially or wholly taxable. Situations include, but are not limited to: the transfer of a life insurance policy for valuable consideration unless the transfer qualifies for an exception under IRC Sec. 101(a)(2) (i.e., the transfer-for-value rule ); arrangements that lack an insurable interest based on state law; and an employer-owned policy unless the policy qualifies for an exception under IRC Sec. 101(j). Insurance products are issued by Pacific Life Insurance Company in all states except New York, and in New York by Pacific Life & Annuity Company. Product availability and features may vary by state. Investment and Insurance Products: Not a Deposit Not FDIC Insured Not Insured by any Federal Government Agency No Bank Guarantee May Lose Value
3 Annuity Contract Annuity Owner/Insured Irrevocable Life Insurance Trust 1 Distributions 2 Gifts 4 Distributions 5 Annuity 3 Premiums 4 Death Benefit Beneficiaries Life Insurance Policy 1 Distributions: Annuity owner takes taxable distributions from his or her annuity. 2 Gifts: Annuity owner, with the assistance of an attorney, establishes an Irrevocable Life Insurance Trust (ILIT). Annuity owner then gifts the net after-tax annuity distributions to the ILIT. Gift taxes may be reduced or eliminated by the use of available annual exclusions and/or lifetime gift tax exemption equivalent amount. 3 Life Insurance: Trustee of the ILIT uses these gifted distributions to purchase a life insurance policy on the life of the annuity owner and/or his or her spouse. 4 Death Benefit Proceeds: Upon the death of the insured(s), the life insurance policy death benefit proceeds will be paid to the ILIT and should be distributed to the beneficiaries per the terms of the ILIT free from estate taxes. 1 5 Annuity: Upon the death of the annuity owner and annuitant, the remaining annuity amount passes to the designated beneficiaries and may be included in the estate of the annuity owner for estate tax purposes and will be subject to income taxes upon distribution to the heirs. This material is not intended to be used, nor can it be used by any taxpayer, for the purpose of avoiding U.S. federal, state or local tax penalties. This material is written to support the promotion or marketing of the transaction(s) or matter(s) addressed by this material. Pacific Life, its distributors and their respective representatives do not provide tax, accounting or legal advice. Any taxpayer should seek advice based on the taxpayer s particular circumstances from an independent tax advisor.
4 419(e) Welfare Benefit Plans 1 According to the American Taxpayer Relief Act of 2012, the federal estate, gift and generation skipping transfer (GST) tax exemption amounts are all $5,000,000 (indexed for inflation effective for tax years after 2011); the maximum estate, gift and GST tax rates are 40%. As of January 1, 2013, the annual gift tax exclusion is $14,000 per donee (indexed for inflation). 2 Annuity withdrawals and other distributions of taxable amounts will be subject to ordinary income tax. For nonqualified contracts, an additional 3.8% federal tax may apply on investment income. If withdrawals and other distributions are taken prior to age 59½, an additional 10% federal tax may apply. A withdrawal charge also may apply. Withdrawals will reduce the value of the death benefit and any optional benefits. 3 The trustee appointed should not be the insured or the insured s life insurance producer. A life insurance producer who is paid a commission on the sale of a life insurance policy represents both his or her personal interest and the interests of the trust, creating a conflict of interest. 4 Distributions from the annuity to purchase life insurance do not qualify for tax-free exchange treatment under IRC Sec Distributions from the annuity to purchase life insurance will be considered a replacement of the annuity under state insurance laws. After considering your individual facts and circumstance, whether any particular replacement is in your best interest is a determination to be made by you, along with your independent tax and legal advisors. The Power To Help You Succeed
5 Annuity Maximization This fact finder is provided to help you and your life insurance producer better understand your goals and objectives. Please return the information to your life insurance producer and not to Pacific Life as we cannot and do not provide financial, legal or tax advice. Vital Information Client: Date of Birth: Risk Status: Select NS S Address: State: Spouse: Date of Birth: Risk Status: Select NS S Annuity Value: Cost Basis: Historical Growth Rate: % Income Tax Rate: % Beneficiary Income Tax Rate: % Estate Tax Rate: % Distribution Options: (check one) o Specific Dollar Amount: $ o Percent of Annuity: % o Annuity Payments: o Single Life Expectancy _o Joint Life Expectancy o Period Certain: Payment Amount: Life Insurance: Death Benefit: Premium Amount: $ Solve for Death Benefit: Solve for Premium: Anticipated Years to Pay Premium:
6 Pacific Life Insurance Company Newport Beach, CA (800) Pacific Life & Annuity Company Newport Beach, CA (888) Pacific Life refers to Pacific Life Insurance Company and its affiliates, including Pacific Life & Annuity Company. Insurance products are issued by Pacific Life Insurance Company in all states except New York and in New York by Pacific Life & Annuity Company. Product availability and features may vary by state. Each insurance company is solely responsible for the financial obligations accruing under the products it issues. Insurance products and their guarantees, including optional benefits and any fixed subaccount crediting rates, are backed by the financial strength and claims-paying ability of the issuing insurance company, but they do not protect the value of the variable investment options. Look to the strength of the life insurance company with regard to such guarantees as these guarantees are not backed by the broker-dealer, insurance agency or their affiliates from which products are purchased. Neither these entities nor their representatives make any representation or assurance regarding the claims-paying ability of the life insurance company. Variable insurance products are distributed by Pacific Select Distributors, Inc., (member FINRA & SIPC), a subsidiary of Pacific Life Insurance Company, and an affiliate of Pacific Life & Annuity Company, and are available through licensed third-party broker-dealers. Please Note: This brochure is designed to provide introductory information in regard to the subject matter covered. Neither Pacific Life nor its representatives offer legal or tax advice. Consult your attorney or tax advisor for complete up-to-date information concerning federal and state tax laws in this area. Life Insurance Producer s Name State Insurance License Number (or affix your business card) AD-OC-851A /13
Endorsement Split-Dollar
Endorsement Split-Dollar Allowing an Executive to Share in the Benefits of an Employer-Owned Life Insurance Policy AD-OC-859A Endorsement Split-Dollar Searching for Executive Benefit Solutions Retaining
More informationProtection Now. Income Later.
Protection Now. Income Later. Life Insurance Retirement Plan for Women AD-OC-749C What are two problems facing today s woman? 1 2 The Family s Financial Vulnerability. Whether you are part of a two-income
More informationIs 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 informationBusiness Continuation Planning with Life Insurance
Business Continuation Planning with Life Insurance Maintaining Business Continuity After the Death or Retirement of a Business Owner AD-OC-745C Business Continuation Planning Using Life Insurance FUTURES
More informationManaging Your Beneficiaries Inheritances
Managing Your Beneficiaries Inheritances A Predetermined Beneficiary Payout Option 8/13 23220-13A You re in Control With the Predetermined Beneficiary Payout Option, you have the flexibility to choose
More informationPlanning Strategies for Charitable Remainder Trusts
Planning Strategies for Charitable Remainder Trusts Using a Deferred Annuity 6/13 23179-13A CRT Planning with Your Clients 1 Identify clients and prospects who are: o Charitably inclined. o Interested
More informationLife Insurance Producer s Guide. Executive Bonus. Using Life Insurance. For Life Insurance Producer Use Only. Not for Use with the Public.
Life Insurance Producer s Guide Executive Bonus Using Life Insurance AD-OC-838A For Life Insurance Producer Use Only. Not for Use with the Public. Insurance products are issued by Pacific Life Insurance
More informationAdvanced Designs. Pocket Guide. Spousal Lifetime Access Trusts (SLATs) with Life Insurance AD-OC-795B
Advanced Designs Pocket Guide Spousal Lifetime Access Trusts (SLATs) with Life Insurance AD-OC-795B This material is not intended to be used, nor can it be used by any taxpayer, for the purpose of avoiding
More informationSuccession and Exit Planning Using Life Insurance. June 2011 1 Hour CE MKTG-OC-841A For Insurance Professional Use Only. Not for Use with the Public.
Succession and Exit Planning Using Life Insurance June 2011 1 Hour CE MKTG-OC-841A Agenda Role of business succession planning in overall business strategy Impact life insurance has on a business Case
More information3/15 23203-15A. Annuity Distribution Options for Your Beneficiaries
3/15 23203-15A Annuity Distribution Options for Your Beneficiaries Getting Started Beneficiary distribution options tied to annuity assets may differ depending on the types of retirement assets as well
More informationNon-Equity Collateral Assignment Split Dollar for Estate Liquidity
Non-Equity Collateral Assignment Split Dollar for Estate Liquidity Using Life Insurance Presented by
More informationPacific PRIME UL-NLG Flexible Premium, Universal Life Insurance. Flexible and Efficient Asset Protection. Pacific Life Insurance Company PP-2C
Pacific PRIME UL-NLG Flexible Premium, Universal Life Insurance Flexible and Efficient Asset Protection PP-2C Pacific Life Insurance Company 1 Pacific PRIME UL-NLG Help Protect Your Assets with Life Insurance
More informationNo bank guarantee Not a deposit May lose value Not FDIC/NCUA insured Not insured by any federal government agency
Understanding Trusts A Summary of Trusts for Estate Planning No bank guarantee Not a deposit May lose value Not FDIC/NCUA insured Not insured by any federal government agency 6/13 23171-13A Contents What
More informationNo bank guarantee Not a deposit May lose value Not FDIC/NCUA insured Not insured by any federal government agency
Understanding annuities An Overview for Your Retirement No bank guarantee Not a deposit May lose value Not FDIC/NCUA insured Not insured by any federal government agency 2/15 13096-15A Contents Get Ready
More informationThe Competitive Edge. Attract, retain and reward top performers in your corporation. Executive Compensation Strategies That Use Life Insurance
The Competitive Edge Attract, retain and reward top performers in your corporation Executive Compensation Strategies That Use Life Insurance AD-OC-678C 1 This material is not intended to be used, nor can
More informationVariable Annuities Because Retirement Requires a New Way of Thinking
Pacific Life Variable Annuities Because Retirement Requires a New Way of Thinking 13141-12A 5/12 5/15 13141-15A As You Plan for Retirement, Think Differently Whether you re approaching retirement or already
More informationNo bank guarantee Not a deposit May lose value Not FDIC/NCUA insured Not insured by any federal government agency
Understanding fixed annuities An Overview for Your Retirement No bank guarantee Not a deposit May lose value Not FDIC/NCUA insured Not insured by any federal government agency 3/15 23264-15A Contents Get
More informationEstate planning strategies using life insurance in a trust Options for handling distributions, rollovers and conversions
Estate planning strategies using life insurance in a trust Options for handling distributions, rollovers and conversions Life s better when we re connected Table of contents Find your questions review
More informationYour 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 informationNo bank guarantee Not a deposit May lose value Not FDIC/NCUA insured Not insured by any federal government agency
Understanding iras A Summary of Individual Retirement Accounts No bank guarantee Not a deposit May lose value Not FDIC/NCUA insured Not insured by any federal government agency 1/15 23038-15A Contents
More informationNo bank guarantee Not a deposit May lose value Not FDIC/NCUA insured Not insured by any federal government agency
Understanding Social Security The First Step in Retirement Income Planning No bank guarantee Not a deposit May lose value Not FDIC/NCUA insured Not insured by any federal government agency 1/16 23135-16A
More informationMKT12-BRK-22A. Pacific Prime sm Term Level Term Life Insurance
MKT12-BRK-22A Pacific Prime sm Term Level Term Life Insurance Pursue your potential. protect Your promise. You re in your prime don t let potential curveballs get in the way of your dreams. With Pacific
More informationUnderstanding 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 informationGenerate Future Retirement Income for Essential Living Expenses
Generate Future Retirement Income for Essential Living Expenses CASE STUDY Pacific Life s Fixed Indexed Annuities 10/15 90090-15A What Might You Face in Retirement? During your working years, you are likely
More informationGuaranteed Lifetime Withdrawals, Regardless of Index Performance
Guaranteed Lifetime Withdrawals, Regardless of Index Performance Optional Feature with Pacific Index Choice SM, a Deferred, Fixed Indexed Annuity 7/13 90006-13A Pacific Index Choice a fixed indexed annuity
More informationVersa-Flex NLG. Guaranteed Protection for an Evolving Legacy. Flexible Premium Universal Life Insurance Client Guide VFNLG-1E
Pacific Life Insurance Company Versa-Flex NLG Flexible Premium Universal Life Insurance Client Guide Guaranteed Protection for an Evolving Legacy VFNLG-1E VERSA-FLEX NLG As Your Life Changes, Your Life
More informationIRAs Unique strategies for transferring wealth and giving to charity
IRAs Unique strategies for transferring wealth and giving to charity 8/24/2011 IRA Strategy #1: Giving to charity during your lifetime Applies to IRA owners who do not need their IRA distributions for
More informationPacific PremierCare Advantage
Pacific Life Insurance Company Pacific PremierCare Advantage Universal Life Insurance with Long-Term Care Benefits 1 Client Guide 1 Pacific Life Insurance Company s Pacific PremierCare Advantage (Policy
More informationTable of Contents. Personal Information
Estate Planning Fact Finder Table of Contents Personal Information 1 Income Information 5 Estimate Net Worth (Assets less Liabilities) 2 Life Insurance 5 Estimate Planning Goals 2 Qualified Plan/IRA Assets
More informationGuaranteed Lifetime Withdrawals, Regardless of Index Performance Optional Feature with Pacific Life s Fixed Indexed Annuities
Guaranteed Lifetime Withdrawals, Regardless of Index Performance Optional Feature with Pacific Life s Fixed Indexed Annuities 9/14 90006-14A Pacific Life s deferred, fixed indexed annuities can provide
More informationExplorer. Client Guide. A Deferred Fixed Annuity for a Confident Retirement 60002-11A 9/11
Explorer A Deferred Fixed Annuity for a Confident Retirement 60002-11A 9/11 Client Guide The Power to Help You Succeed Pacific Life has more than 140 years of experience, and we remain committed to providing
More informationI AM STABILITY. You Can Create Income That Never Runs Out. By Adding Annuities to Your Retirement Strategy
You Can Create Income That Never Runs Out By Adding Annuities to Your Retirement Strategy I AM STABILITY A Case Study Using Fixed Annuities and Mutual Funds 9/15 23239-15B Products that Create Cash Flow
More informationWealth 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 informationMaximizing 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 informationHow To Save An Annuity From Being Lost At The Hands Of The Taxman
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 informationWealthiest Families Know: 2013 & Beyond
What the Wealthiest Families Know: 2013 & Beyond Determine How Estate Planning Strategies and Life Insurance May Help You Turn Your Goals into a Wealth Legacy Whether you acquired it or inherited it, wealth
More informationCONNECTION 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 informationCONNECTION 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 informationIt s All About the Business
It s All About the Business Planning Strategies Integrated with Life Insurance to Help a Business Owner Accomplish Goals for Retirement, Business Perpetuation, Successful Business Transition, and Estate
More informationFraming Your Legacy. With Transfer Tax Certainty, It Is Time to Consider Your Estate And Life Insurance Planning MKT13-65A
Framing Your Legacy With Transfer Tax Certainty, It Is Time to Consider Your Estate And Life Insurance Planning MKT13-65A This material is not intended to be used, nor can it be used by any taxpayer, for
More informationUnderstanding IRA distributions
Understanding IRA distributions A retirement distribution guide Allianz Life Insurance Company of New York Allianz Life Insurance Company of North America AMK-019-N Page 1 of 12 It s important to know
More information11 Ways the PREMIER LIVING BENEFITS RIDER Enhances Life Insurance Sales Applications
11 Ways the PREMIER LIVING BENEFITS RIDER Enhances Life Insurance Sales Applications PRIMED FOR CHANGING CONDITIONS Pacific Life Insurance Company 2/13 MKT12 124 About the Premier Living Benefits Rider
More informationAdvanced Designs. Pocket Guide. Succession Planning for the Family Business Using Life Insurance AD-OC-772B
Advanced Designs Pocket Guide Succession Planning for the Family Business Using Life Insurance AD-OC-772B This material is not intended to be used, nor can it be used by any taxpayer, for the purpose of
More informationPrepared For: The Client Family
Annuity Maximization Estate Planning and Deferred Annuities - Annuitization Prepared For: The Client Family Insurance products are issued by: John Hancock Life Insurance Company (U.S.A.), Boston, MA and
More informationUnderstanding Annuities: A Lesson in Annuities
Understanding Annuities: A Lesson in Annuities Did you know that an annuity can be used to systematically accumulate money for retirement purposes, as well as to guarantee a retirement income that you
More informationINTEREST ENHANCED DEATH BENEFIT
INTEREST ENHANCED DEATH BENEFIT Guaranteed Growth for Your Loved Ones, Regardless of Market Performance 6/16 50114-16A Optional Benefit with Pacific Life s Fixed Indexed Annuities for New Jersey, Ohio,
More informationLeveraging wealth transfer using private financing
Private Financing Strategy Leveraging wealth transfer using private financing Not a bank or credit union deposit or obligation Not insured by any federal government agency Not FDIC or NCUA/NCUSIF insured
More informationPreserving value for the next generation. Lincoln LifeLINC Advisor Guide. For agent or broker use only. Not for use with the public.
Preserving value for the next generation Lincoln LifeLINC Advisor Guide For agent or broker use only. Not for use with the public. Contents Wealth transfer planning 2 Connect your clients to the Lincoln
More informationSpousal Access Trusts Access To Cash Value Potential Through Flexible Trust Planning
SALES STRATEGY Guiding you through life. ESTATE PLANNING Spousal Access Trusts Access To Cash Value Potential Through Flexible Trust Planning The Concerns Many clients who are concerned about maximizing
More informationMAXIMIZATION ANNUITY STRATEGY. An estate planning technique for individuals who own deferred annuities with sizable growth.
ANNUITY MAXIMIZATION STRATEGY An estate planning technique for individuals who own deferred annuities with sizable growth. Transamerica Occidental Life Insurance Company Preserving Hard-Earned Assets As
More informationIndexed Pacific Estate Preserver
Pacific Life Insurance Company Client Guide Unleash the Possibilities in Your Estate Plan Indexed Pacific Estate Preserver Last Survivor Indexed Universal Life Insurance IPEP-1F Unleash the Possibilities
More informationA Powerful Way to Plan: The Grantor Retained Annuity Trust
Strategic Thinking A Powerful Way to Plan: The Grantor Retained Annuity Trust According to The Taxpayer Relief Act of 2010, the estate and gift exemption amount has been increased temporarily, for 2011
More informationSecure Income. A Fixed, Deferred Income Annuity as a Qualified Longevity Annuity Contract. Pacific
Pacific Secure Income A Fixed, Deferred Income Annuity as a Qualified Longevity Annuity Contract SM Insurance products are issued by Pacific Life Insurance Company in all states except New York and in
More informationAdvanced Markets Combining Estate Planning Techniques A Powerful Strategy
Life insurance can help meet many wealth transfer goals. The death benefit could cover estate taxes, for instance, avoiding liquidation of much of the estate to meet the estate tax bill. Even though a
More informationSecure. Income SM. Pacific. Client Guide. A Fixed, Deferred Income Annuity for a Confident Retirement 4/15 97001-15A
Secure Pacific Income SM A Fixed, Deferred Income Annuity for a Confident Retirement 4/15 97001-15A Client Guide Why Pacific Life Pacific Life has more than 145 years of experience, and we remain committed
More informationIRREVOCABLE TRUSTS ADVANCED MARKETS. Using Transamerica s variable annuities in. Benefits of using variable annuities in irrevocable trusts
Using Transamerica s variable annuities in IRREVOCABLE TRUSTS The duties of a trustee can be challenging. Among their many responsibilities, trustees must act as fiduciaries in selecting trust investments
More informationWealth Transfer Planning
Wealth Transfer Planning For Business Owners ESTATE PLANNING SERVICES Merrill Lynch does not provide tax, accounting or legal advice. Any information presented about tax considerations affecting client
More informationComprehensive Split Dollar
Advanced Markets Client Guide Comprehensive Split Dollar Crafting a plan to meet your needs. John Hancock Life Insurance Company (U.S.A.) (John Hancock) John Hancock Life Insurance Company New York (John
More informationNonqualifi ed Annuity Distribution Planning Reference Guide
Nonqualifi ed Annuity Distribution Planning Reference Guide Compliments of: IL-61-0005-0708 Target Client: Nonqualified assets of $100,000 and above Qualified plan contributions already maximized Key Characteristics:
More informationNo bank guarantee Not a deposit May lose value Not FDIC/NCUA insured Not insured by any federal government agency
Understanding Rollover Options Outlining Options for Your Qualified Retirement Plan or IRA No bank guarantee Not a deposit May lose value Not FDIC/NCUA insured Not insured by any federal government agency
More informationUnderstanding fixed annuities
Allianz Life Insurance Company of North America Understanding fixed annuities Protection for your retirement money M-5210 Page 1 of 12 Page 2 of 12 It s time to rethink retirement. In recent years, the
More informationFreedom Variable Annuity
Freedom Variable Annuity Variable Product Series Building your future with a secure partner SM Kansas City Life Insurance Company Freedom Variable Annuity features at a glance Minimum deposit $25,000 minimum
More informationAllianz Dominator Plus Annuity
Allianz Life Insurance Company of North America Allianz Dominator Plus Annuity Assured interest with a locked-in interest rate. CB52121 Page 1 of 11 Allianz Dominator Plus Annuity from Allianz Life Insurance
More informationA Single-premium, Deferred Fixed Annuity for an Active Retirement 71003-11B 9/11. Client Guide
II A Single-premium, Deferred Fixed Annuity for an Active Retirement 71003-11B 9/11 Client Guide The Power to Help You Succeed It s essential for you to choose a strong and stable company that can help
More informationExecutive 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 informationPacific. Income Provider. A Single-Premium, Immediate Fixed Annuity for a Confident Retirement. Client Guide 9/15 80002-15A
Pacific Income Provider A Single-Premium, Immediate Fixed Annuity for a Confident Retirement 9/15 80002-15A Client Guide Why Pacific Life Pacific Life has more than 145 years of experience, and we remain
More informationPrivate Financing CLIENT GUIDE. Advanced Markets
CLIENT GUIDE Advanced Markets Private Financing John Hancock Life Insurance Company (U.S.A.) (John Hancock) John Hancock Life Insurance Company of New York (John Hancock) Guiding you through life. Private
More informationAdvanced Markets Estate Planning for Non-Citizens in the United States
Estate Planning for Non-Citizens in the United States SINGLE LIFE SPOUSAL ACCESS TRUSTS: A LIFE INSURANCE ALTERNATIVE As large numbers of people from other countries settle in the United States (U.S.),
More informationA Sole Proprietor Insured Buy-Sell Plan
A Sole Proprietor Insured Buy-Sell Plan At a sole proprietor s death, the business is dissolved and all business assets and liabilities become part of the sole proprietor's personal estate. Have you evaluated
More informationVersa-Flex PRO II-CV. Death Benefit Protection, Cash Value Accumulation Client Guide. Flexible Premium Universal Life Insurance VFPRO2-2C
Versa-Flex PRO II-CV Flexible Premium Universal Life Insurance Death Benefit Protection, Cash Value Accumulation Client Guide Pacific Life Insurance Company VFPRO2-2C Death Benefit Protection and Simple,
More informationPacific PremierCare Advantage* Flexible Premium Adjustable Life Insurance
Providing Life Insurance with LONG-TERM CARE BENEFITS Payable Through Reimbursements Pacific Life Insurance Company Pacific PremierCare Advantage* Flexible Premium Adjustable Life Insurance Prepared For:
More informationPacific PRIME IUL Flexible Premium Indexed Universal Life Insurance
Pacific PRIME IUL Flexible Premium Indexed Universal Life Insurance Balance Life Insurance Protection with Growth Potential Pacific Life Insurance Company PPIUL-1B page 1 Pacific PRIME IUL Balance Protection
More informationGuaranteeing an Income for Life: An Immediate Income Annuity Review
Guaranteeing an Income for Life: An Immediate Income Annuity Review The biggest financial risk that anyone faces during retirement is the risk that savings will be depleted...the risk that income will
More informationPacific Prime sm Term
Pacific Prime sm Term Life Insurance Available in 10-, 15-, 20-, and 30-Year Level Premium Periods Product Guide for Life Insurance Producers Highlights $250,000 for $10 a Month Sample of Pacific PRIME
More informationUnderstanding fixed index annuities
Allianz Life Insurance Company of North America Understanding fixed index annuities M-5217 Page 1 of 12 Page 2 of 12 It s time to rethink retirement. In past years, the financial markets have experienced
More informationAdvanced Designs. Pocket Guide. Private Split-Dollar Life Insurance Designs AD-OC-724B
Advanced Designs Pocket Guide Private Split-Dollar Life Insurance Designs AD-OC-724B This material is not intended to be used, nor can it be used by any taxpayer, for the purpose of avoiding U.S. federal,
More informationPacific PremierCare Advantage Multi-Pay Fixed Premium Universal Life Insurance with Long-Term Care Benefits 1
Client Guide Pacific Life Insurance Company Pacific PremierCare Advantage Multi-Pay Fixed Premium Universal Life Insurance with Long-Term Care Benefits 1 LOCKABLE BENEFITS with 1 Pacific Life Insurance
More informationStructured Attorney s Fees
STRUCTURED SETTLEMENTS Structured Attorney s Fees Preparing for Your Financial Future 7/13 26169-13B Table of Contents Managing Your Retirement... 2 The Power of Tax Deferral... 3 Structured Attorney s
More informationLife 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 informationStructured Attorney s Fees
STRUCTURED SETTLEMENTS Structured Attorney s Fees Preparing for Your Financial Future 6/15 26169-15A Table of Contents Managing Your Retirement... 2 The Power of Tax Deferral... 3 Structured Attorney s
More informationEstate & Wealth Transfer Planning for Blended Families... Yours, Mine, and Ours
Estate & Wealth Transfer Planning for Blended Families... Yours, Mine, and Ours The new normal With over 65% of remarriages involving children from a prior relationship, 1 blended families have become
More informationWhat to do when you inherit a Vanguard Variable Annuity
What to do when you inherit a Vanguard Variable Annuity The Vanguard Variable Annuity is issued by Transamerica Premier Life Insurance Company and, in New York State only, by Transamerica Financial Life
More informationValued 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 informationUSING IRA ASSETS TO ADDRESS YOUR WEALTH TRANSFER GOALS
U.S. TRUST FIDUCIARY SERVICES FOR MERRILL LYNCH CLIENTS USING IRA ASSETS TO ADDRESS YOUR WEALTH TRANSFER GOALS Trusteed IRAs from U.S. Trust Working together, Merrill Lynch and U.S. Trust bring you the
More informationAnnuity Contract Ownership Annuitant Driven Contract
Annuity Contract Ownership Annuitant Driven Contract Brought to you by the Nationwide Advanced Sales Team FOR BROKER/DEALER USE ONLY NOT FOR USE WITH THE PUBLIC Some things you need to know CIRCULAR 230
More informationHow To Get A Structured Settlement Attorney S Fee Annuity
STRUCTURED SETTLEMENTS Structured Attorney s Fees Preparing for Your Financial Future 1/13 26169-13A Table of Contents Planning for the Future by Structuring the Attorney s Fee... 1 Managing Your Retirement...
More informationPRODUCTS AND SERVICES
PRODUCTS AND SERVICES Cost and Guide As a member of Thrivent Financial, we want you to have the information you need about the products and services you re paying for. This guide describes the costs associated
More informationAn 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 informationUnderstanding Annuities: A Lesson in Fixed Interest and Indexed Annuities Prepared for: Your Clients
Understanding Annuities: A Lesson in Fixed Interest and Indexed Annuities Prepared for: Your Clients Presented by: Arvin D. Pfefer Arvin D. Pfefer & Associates 7301 Mission Road, Suite 241 Prairie Village,
More informationIRA opportunities at UBS
IRA opportunities at UBS IRAs are highly popular and effective retirement savings vehicles that give your investment earnings the benefit of tax-favored treatment and provide an ideal supplement to employer-sponsored
More informationBe 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 informationGuaranteeing an Income for Life: An Immediate Fixed Income Annuity Review
Guaranteeing an Income for Life: An Immediate Fixed Income Annuity Review The biggest financial risk that anyone faces during retirement is the risk that savings will be depleted...the risk that income
More informationPermanent Benefit Group Life Insurance Under Code Section 79
Permanent Benefit Group Life Insurance Under Code Section 79 Expanding the Benefits of Group Life Insurance Advantages of Permanent Benefit Group Life Insurance. Giving employees the option to use cash
More informationPacific Life Insurance Company. Flex Protector II. An interest sensitive whole life insurance product Client Brochure FXPRO2-1A
Pacific Life Insurance Company Flex Protector II An interest sensitive whole life insurance product Client Brochure FXPRO2-1A At Pacific Life, we pride ourselves in providing a steady hand to families
More informationKey Person Insurance. Protect your business from the loss of a key person with life insurance payable to the business.
Key Person Insurance Protect your business from the loss of a key person with life insurance payable to the business. We offer you this concept piece to help you understand how life insurance can be used
More informationHow will you be remembered? Your 5-minute Guide to Wealth Transfer Strategy
How will you be remembered? Your 5-minute Guide to Wealth Transfer Strategy You ve accomplished a lot in your life but you re not done yet. With careful planning, you could give serious financial support
More informationPassing on the Good Stuff! Implementing a Roth IRA Conversion Using Life Insurance
Passing on the Good Stuff! Implementing a Roth IRA Conversion Using Life Insurance Passing On The Good Stuff! All inheritances aren t equal. Even two different assets that are worth similar amounts may
More informationA Retirement Income Strategy: A Split Annuity Review
A Retirement Income Strategy: A Split Annuity Review The biggest financial risk that anyone faces during retirement is the risk that savings will be depleted... the risk that income will be outlived! Table
More informationBusiness Owner s Bonus Plan. Producer Guide. For agent/registered representative use only. Not for public distribution.
Business Owner s Bonus Plan Producer Guide For agent/registered representative use only. Not for public distribution. Business Owner s Bonus Plan Producer Guide The Business Owner s Bonus Plan is a personally
More informationSales Strategy Estate Planning for Non-Citizens in the United States
Sales Strategy Estate Planning for Non-Citizens in the United States SINGLE LIFE SPOUSAL ACCESS TRUST: A LIFE INSURANCE ALTERNATIVE As large numbers of people from other countries settle in the United
More information