Variable Universal Life Insurance
|
|
- Winifred Moore
- 8 years ago
- Views:
Transcription
1 A Flexible Approach to Life s Challenges Variable Universal Life Insurance Variable Annuities offered by: Western Reserve Life Assurance Co. of Ohio MS
2 What are your financial goals in life? Pay off your mortgage Pay for children s college education Retire with financial security Protect your business
3 Are your goals at risk? Your financial goals may be affected if you pass away unexpectedly.
4 A VUL can help you meet your goals A Variable Universal Life Policy (VUL) is a popular form of life insurance that combines company guaranteed death benefits and all the tax advantages of life insurance with the investment advantages of managed money. Any guarantees associated with a VUL are based on the claims paying ability of WRL and do not apply to the performance or safety of the investment options.
5 A VUL can provide A Federal income tax-free death benefit Help with college planning Protection for your business A supplement to your retirement income Money to help pay off your existing mortgage Growth Potential through Investment Options* *Both the principal value and return of VUL subaccounts will fluctuate over time so units, when redeemed, may be worth more or less than the original cost.
6 Tax Advantages of a VUL Tax-free death benefit Tax-free transfers Tax-advantaged loans Tax-deferred growth potential
7 Additional advantages of a VUL 1. Take a policy loan and/or withdrawal from your life insurance policy s cash value. 2. Skip one or more premium payments. 3. Take advantage of equity market potential.
8 1. Loans and Withdrawals Distributions can be taken through tax-free loans and withdrawals, subject to limitations.* These distributions can Help you fund your child s education Pay off your mortgage early Provide an income supplement for retirement And much more *Distributions such as loans and withdrawals will reduce the cash value and death benefit and loans will be charged interest. Withdrawals may cause a policy to lapse. If a policy lapses while a loan is outstanding, adverse tax consequences may result. If the policy is treated as a modified endowment contract (MEC) by IRC Sec. 7702A, loans are taxable when taken to the extent of gain then in the policy and may also be subject to a 10% federal income tax penalty if distributions are taken prior to age 59 1/2. Benefit reductions, including those due to withdrawals during the first 15 policy years may be taxable, even if the policy is not a MEC. Please consult your tax advisor regarding your particular situation. Please see the prospectus for details.
9 2. Premium Payment Flexibility Premiums can be: Increased or Decreased Made more or less frequently Skipped Stopped altogether Subject to the following limitations: The No lapse Guarantee is in effect and the minimum no lapse premium requirements are met or the net surrender value is sufficient to cover the monthly deduction. If a policy lapses, adverse tax consequences may result. If no lapse premiums are not paid, then fluctuations in performance and/or policy charges may require the payment of additional premiums to keep the policy in force.
10 3. VUL Investment Options Investment advantages of managed money: Professional money managers Risk/Reward Balance Diversification Portfolio Selection Both the return and principal value of VUL subaccounts will fluctuate over time so units, when redeemed, may be worth more or less than the original cost.
11 Start today, ask yourself these questions How much life insurance do I need? What is my risk tolerance? What time horizon do I have? What are my long-term financial goals? What are my retirement goals? Is my business protected against my loss or that of another key employee?
12 Important Information Variable universal life insurance is a long-term product that provides both a federal tax-free death benefit and an investment element. There are many fees and charges associated with variable life insurance, such as cost of insurance, mortality and expense charges, per unit charges, premium taxes and contract charges, surrender charges and charges associated with the investment options.
13 Western Reserve Life Assurance Co. of Ohio Home Office: Columbus, Ohio Administrative Office Address: P.O. Box 5068 Clearwater, Florida Customer Service: Distributor: AFSG Securities Corporation Please contact WRL at or your financial professional for a prospectus that contains complete information about variable universal life insurance (VUL) including fees, investment objectives, surrender charges, risks, expenses, performance information and other important information about the VUL. Please carefully consider all these important factors and read the prospectus carefully before investing. VUL subaccounts are subject to market risk and may lose value. MS /06
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 informationVariable universal life insurance. Quick reference. You want it all.
Variable universal life insurance Quick reference You want it all. Need more from your life insurance? You need life insurance protection for your family, retirement investments for yourself and your preschooler
More informationINDIVIDUAL LIFE INSURANCE. A Consumer Resource. Stag Wall Street. Flexible-premium, single-life variable universal life insurance
INDIVIDUAL LIFE INSURANCE A Consumer Resource Stag Wall Street Flexible-premium, single-life variable universal life insurance Why Stag Wall Street? Stag Wall Street Variable Universal Life insurance provides
More informationSmall Business Planning. Insurance-based Retirement Plan. What will your retirement look like?
Small Business Planning Insurance-based Retirement Plan What will your retirement look like? 2 Add life to your business You ve planned, saved, worked and invested, but you re still not sure you ll have
More informationUNIVERSAL 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 informationINDIVIDUAL 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 informationHARTFORD 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 informationNationwide 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 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 informationA guide to buying insurance
A guide to buying insurance What you should know before you buy Is life insurance right for you? Life insurance policies are designed for people who: Want to replace income that is lost due to death Seek
More informationPrincipal 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 informationVariable 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 informationA 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 informationACCUMULATION ACCUMULATION VUL. Opportunity for today. Planning for the future. CONSUMER GUIDE
CONSUMER GUIDE ACCUMULATION ACCUMULATION VUL Opportunity for today. Planning for the future. LIFE-5211 12/15 JOHN HANCOCK LIFE INSURANCE COMPANY (U.S.A.) JOHN HANCOCK LIFE INSURANCE COMPANY OF NEW YORK
More informationCaring 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 informationLIFE 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 informationSales 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 informationLife Insurance and Supplemental Income
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 informationAdvanced 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 informationFreedom Global IUL II SM Freedom Index Universal Life II SM Index Universal Life Insurance Offered by WRL Agent Guide
Freedom Global IUL II SM Freedom Index Universal Life II SM Index Universal Life Insurance Offered by WRL Agent Guide AG05113-01/12 Western Reserve Life Assurance Co. of Ohio Thank you for your interest
More informationMaximize Your Pension with Life Insurance
Maximize Your Pension with Life Insurance How Death Benefit Protection Can Help You Get the Most Out of Your Pension Benefits Client Brochure Achieve financial protection while maximizing your pension
More informationJohn and Katie Winters
John and Katie Winters 360 WEALTH MANAGEMENT -LIFE INS. ASSET December 03, 2012 PREPARED BY: William Wilkinson, CFP ChFC, CLU, CASL, AIF 28170 N. Alma School Parkway Suite 208 Scottsdale, AZ 85262 (480)
More informationSales 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 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 informationLife 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 informationVUL Protector PROTECTION. GROWTH. FLEXIBILITY. Issued by Pruco Life Insurance Company
VUL Protector PROTECTION. GROWTH. FLEXIBILITY. Issued by Pruco Life Insurance Company VULNLG-2015 FOR USE IN CA ONLY. ABOUT THIS BROCHURE This brochure provides an overview of the key features of VUL Protector
More informationSmall Business Planning. Split Dollar Plans Using Life Insurance. What s the prescription for a successful workforce?
Small Business Planning Split Dollar Plans Using Life Insurance What s the prescription for a successful workforce? 2 Add life to your business You finally have the staff you ve always wanted for your
More informationAn easy-issue life insurance solution that rewards healthy living
An easy-issue life insurance solution that rewards healthy living Vitality refers collectively to the benefits provided by John Hancock s Healthy Engagement feature. The Vitality Group is the company that
More informationNationwide YourLife Single Premium UL. Client guide. A guaranteed way to make YourLife easier
Nationwide YourLife Single Premium UL Client guide A guaranteed way to make YourLife easier Create your own legacy You don t need the moon and stars. What you need is a fast and simple way to pass a legacy
More informationBusiness Planning. Key Person Insurance. Who is your most valuable employee?
Business Planning Key Person Insurance Who is your most valuable employee? 2 Add life to your business Every company has that one person the star, if you will who really drives profitability. It could
More informationThe Best of America America s INCOME Annuity
The Best of America America s INCOME Annuity PLAN FOR YOUR RETIREMENT YEARS WITH CONFIDENCE. To help prepare for retirement, consider complementing your retirement plan with The Best of America America
More informationGuaranteed solutions. Life and disability income insurance offering security, stability and flexibility.
Guaranteed solutions Life and disability income insurance offering security, stability and flexibility. 291333 D C (12/10) (9/12) Clients financial priorities change at every life stage. What meets their
More informationNationwide Insurance-based Retirement Plan. What will your retirement look like?
Nationwide Insurance-based Retirement Plan What will your retirement look like? Add life to your business You ve planned, saved, worked and invested, but you re still not sure you ll have enough money
More informationBuild 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 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 informationWRL Financial Foundation IUL SM
WRL Financial Foundation IUL SM Index Universal Life Insurance Agent Guide AG06113-07/13 Western Reserve Life Assurance Co. of Ohio Thank you for your interest in the WRL Financial Foundation IUL offered
More informationSmall Business Planning. Nonqualified Deferred Compensation Using Life Insurance. How can you keep your most valuable employees?
Small Business Planning Nonqualified Deferred Compensation Using Life Insurance How can you keep your most valuable employees? 2 Add life to your business You built your company from the ground up, and
More informationYOUR 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 informationKey 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 informationLife 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 informationAre You Meeting Your Business Insurance Needs?
FOR BUSINESS OWNERS Principal Variable Universal Life Income II SM Are You Meeting Your Business Insurance Needs? Meeting your business needs Individuals buy life insurance for many reasons. One key reason
More informationPower Portfolio a variable annuity issued by Genworth Life Insurance Company
as of November 30, 2012 Power Portfolio 16979 12/01/12 Exp. 01/15/13 '2012 Genworth Financial, Inc. All rights reserved. Page 1 of 9 IMPORTANT INFORMATION The following information is designed to help
More informationLife 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 informationPrivate Placement Insurance Products AN EXCLUSIVE AND FLEXIBLE OPPORTUNITY FOR THE AFFLUENT
Executive Summary Private placement insurance products occupy a unique place in the spectrum of financial products. While having the same tax benefits, private placement insurance products offer policy
More informationWhat s the blueprint for keeping good employees?
Small Business Planning Executive Bonus Plan Using Life Insurance Restrictive Executive Bonus Arrangement (REBA) Using Life Insurance What s the blueprint for keeping good employees? 2 Add life to your
More informationEnjoy the freedom of tax-free retirement income
Tax-efficient retirement income Using life insurance Enjoy the freedom of tax-free retirement income 111833 A (10/15) Ameriprise Financial Confident Retirement approach The Ameriprise Financial Confident
More informationBusiness Life Insurance Strategies Guide
Business Life Insurance Strategies Guide Nationwide Business Solutions Group In this guide, Nationwide assumes that universal or variable universal life insurance is used for each of the strategies, unless
More 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 informationThe 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 informationLTC/Combo Products on Life Insurance and Annuities- Understanding the Current Tax Laws and Defining Sales Opportunities
LTC/Combo Products on Life Insurance and Annuities- Understanding the Current Tax Laws and Defining Sales Opportunities Shawn Britt, CLU Director, Long-term Care Initiatives Advanced Consulting Group Nationwide
More informationYou ve managed your career well.
You ve managed your career well. Let life insurance help you get more out of retirement. You work hard. You live comfortably. You re saving for the future. While your employer s retirement plan is substantial,
More informationA New Look at Cash Value as an Asset
A New Look at Cash Value as an Asset Brought to you by: Pinney Insurance Center, Inc. 2266 Lava Ridge Court Roseville, CA 95661 www.pinneyinsurance.com Cash Value Life Insurance Advantages of cash value
More informationLife 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 informationLife Insurance in Retirement Planning. Using Life Insurance and Defined Objectives to meet your retirement income goals PLC.6348 (02.
Life Insurance in Retirement Planning Using Life Insurance and Defined Objectives to meet your retirement income goals PLC.6348 (02.13) TODAY, the face of retirement is changing. This isn t your father
More informationPlanning Solutions. Executive Bonus Plan. Program Highlights & Fact Finder. Transamerica Occidental Life Insurance Company
Planning Solutions Executive Bonus Plan Program Highlights & Fact Finder Transamerica Occidental Life Insurance Company A Rewarding Way to Meet Financial Goals Providing for the family, putting the kids
More informationIs your retirement plan taking you where you want to go?
RiverSource Retirement Group Annuity Is your retirement plan taking you where you want to go? The benefits of a 403(b) retirement plan 140765 C (4/13) The benefits of a 403(b) plan. To live the retirement
More informationTerm Life vs. Permanent Life Insurance
Term Life vs. Permanent Life Insurance Should I Buy Term or Permanent? A widow doesn t ask What kind of insurance was it - Whole Life, Universal Life or Term? She asks How much do I have to raise my family?
More informationLIF 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 informationRetirement Extra using Life Insurance
Retirement Extra using Life Insurance Producer Guide Retirement Extra using Life Insurance is, first and foremost, a concept, it is not a product or contract. If this concept material will be used to promote
More informationSmall Business Planning. Key Person Insurance. Who is your most valuable employee?
Small Business Planning Key Person Insurance Who is your most valuable employee? 2 Add life to your business Every company has that one person the star, if you will that really drives profitability. It
More informationAccumulator 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 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 informationHelp your clients take a step toward a stronger financial future.
Nationwide YourLife Current Assumption UL Sales guide Help your clients take a step toward a stronger financial future. Reasonably priced permanent life insurance with the potential for growth. FOR INSURANCE
More informationCLIENT BROCHURE Nationwide YourLife Indexed UL. Find balance in life
CLIENT BROCHURE Nationwide YourLife Indexed UL Find balance in life Planning for the future may seem stressful these days especially with so much market uncertainty. But it doesn t have to be that way.
More informationGetting the Most from Your Insurance
SMART STRATEGIES Getting the Most from Your Insurance This information is written in connection with the promotion or marketing of the matters addressed in this material. The information cannot be used
More informationVariable annuities. A tax-advantaged way to save for retirement
Variable annuities A tax-advantaged way to save for retirement Common terms Annuitant The person (may be the same as the contract owner) whose life expectancy is used to calculate the income payment amount
More informationVariable Annuities. Reno J. Frazzitta Investment Advisor Representative 877-909-7233 www.thesmartmoneyguy.com
Reno J. Frazzitta Investment Advisor Representative 877-909-7233 www.thesmartmoneyguy.com Variable Annuities Page 1 of 8, see disclaimer on final page Variable Annuities What is a variable annuity? Investor
More informationWaddell & Reed Advisors Select Plus Annuity SM Invest in your future
Investment choices performance report January 31, 2016 Waddell & Reed Advisors Select Plus Annuity SM Invest in your future Answers to frequently asked questions. What you should know about purchasing
More 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 informationLIFE INSURANCE LIFE INSURANCE. Understanding Your Life Insurance Options. Financially protecting those who depend on you may be easier than you think.
THE PRUDENTIAL INSURANCE COMPANY OF AMERICA LIFE INSURANCE Understanding Your Life Insurance Options MANY PEOPLE BENEFIT FROM HAVING A COMBINATION OF BOTH AND LIFE INSURANCE POLICIES offer convenience
More informationMetLife 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 informationEx e c u t i ve Bo n u s Pl a n
Ex e c u t i ve Bo n u s Pl a n Program Highlights & Fact Finder A Rewarding Way to Retain Key Executives In today s highly competitive business landscape, it is increasingly difficult to attract and retain
More informationFixed index universal life insurance
Allianz Life Insurance Company of North America Fixed index universal life insurance Are your clients worried about the cost of college? P For financial professional use only. Not for use with the public.
More information401(k) Overlay Executive Benefit Plan. A Customized Life Insurance Strategy to Help Recruit, Retain and Reward Key Executives
INDIVIDUAL LIFE INSURANCE 401(k) Overlay Executive Benefit Plan A Customized Life Insurance Strategy to Help Recruit, Retain and Reward Key Executives INSURANCE PRODUCTS: NOT INSURED BY FDIC OR ANY FEDERAL
More informationBuyer s Guide for Deferred Annuities Variable
Buyer s Guide for Deferred Annuities Variable Prepared by the NAIC National Association of Insurance Commissioners This guide does not endorse any company or policy Reprinted by John Hancock Life Insurance
More informationNew 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 informationProgram Highlights & Fact Finder
Executive Bonus Plan Program Highlights & Fact Finder A Rewarding Way to Retain Key Executives Executive Bonus Plans can be an effective way to reward selected employees or owners while providing tax deductions
More informationCONSUMER S GUIDE TO. Annuities. Be secure and confident in the decisions you make
A CONSUMER S GUIDE TO Annuities Be secure and confident in the decisions you make Americans are living longer than ever before. How will they fund these extra years? There are many different approaches.
More informationTax-Free Retirement Strategy With Permanent Life Insurance
Tax-Free Retirement Strategy With Permanent Life Insurance If presenter is a registered representative of ESI: Life Insurance Beyond the Death Benefit [Agent Name] is a Registered Representative of, and
More informationFreedom to enjoy tax-free retirement income
Tax-efficient retirement income Using life insurance Freedom to enjoy tax-free retirement income 291194 F (9/13) The Protect. Grow. Give. philosophy With life and disability income insurance, you have
More informationBusiness Planning. Buy/Sell Insurance. What would your business do without you?
Business Planning Buy/Sell Insurance What would your business do without you? 2 Add life to your business You know what it takes to run a successful company. But what would happen to your business if something
More informationHelping to Continue a Business by Protecting Its Most Valuable Contributors Through Life Insurance
INDIVIDUAL LIFE INSURANCE Key Person Coverage Helping to Continue a Business by Protecting Its Most Valuable Contributors Through Life Insurance FOR LICENSED AGENT USE ONLY NOT FOR USE WITH THE PUBLIC
More informationMaking 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 informationUSING LIFE INSURANCE TO HELP SUPPLEMENT RETIREMENT INCOME
USING LIFE INSURANCE TO HELP SUPPLEMENT RETIREMENT INCOME A death benefit & retirement planning strategy Agent Guide For agent use only. Not to be used for consumer solicitation purposes. Protect what
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 informationLIFE 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 informationImportant Information about your Annuity Investment
Robert W. Baird & Co. Incorporated Important Information about your Annuity Investment What is an Annuity Contract? An annuity is a contract between you and an insurance company, under which you make a
More informationVariable Universal Life (VUL)
Variable Universal Life (VUL) What is it? Permanent (cash value) life insurance with maximum flexibility Variable universal life (VUL) is considered the most flexible type of permanent (cash value) life
More informationTHE POWER OF AN IRA.
THE POWER OF AN IRA. Put the Power of an IRA to Work For You Whether retirement seems like a lifetime away or is just around the corner, getting started on your retirement savings plan is one of the smartest
More informationLIFE 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 informationTake a step in the right direction. Protect your family and plan for the future with life insurance. Nationwide YourLife Current Assumption UL
Nationwide YourLife Current Assumption UL Client guide Take a step in the right direction. Protect your family and plan for the future with life insurance. Nothing says security like knowing you and your
More informationKey Person Coverage. Prepared for: Date: Presented by:
Key Person Coverage Prepared for: Date: Presented by: PURPOSE This presentation is for the purpose of helping you understand how life and disability income insurance can be used to overcome the shock to
More informationLife Insurance in Retirement Plus: LIRP+
Life Insurance in Retirement Plus: LIRP+ Focusing on Life Insurance Protection and Retirement PRESENTED BY PREPARED FOR Mr. Producer Lily Rowan Insurance products are are issued by: by: John Hancock Life
More informationImportant Information about your Annuity
Robert W. Baird & Co. Incorporated Important Information about your Annuity Annuities are long-term investments that may help you meet or supplement your retirement and other long-term goals. Annuities
More informationOhio Life & Health Insurance Prelicensing Online Course Unit 6. 6.0 Annuities, Variable Products, and Federal Tax Considerations
Ohio Life & Health Insurance Prelicensing Online Course Unit 6 6.0 Annuities, Variable Products, and Federal Tax Considerations 6.1 Annuities Key Facts 1. Annuities are, in one way, the opposite of Life
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 information