Single Premium & Hybrid Solutions

LEADING PRODUCTS

Single Premium & Hybrid Solutions

Single Premium Life and other hybrid solutions not only provide streamlined, tax efficient wealth transfer for your senior clients, but in many cases, address the need for long term care protection that is, in all likelihood, sorely missing. It’s not about chasing rate or pushing performance. Wouldn’t it be nice NOT to have to talk about performance, and instead talk about what the client really needs?

  • Why is a wealth transfer plan important? Because it passes wealth from one generation (family) or party (charity) to another in the most tax efficient method available
  • Client profile:
    • Middle market customer as a saver
    • High net worth customer as an investor
    • Ages 60+
    • Doesn’t need the asset in question for retirement income
    • Clients with a strong desire to eliminate and/or reduce the taxable liability of their assets for their heirs
    • Insurable for life insurance
    • Current products – CD’s, annuities, old whole life policies, IRA’s or their RMD’s, highly appreciated assets, or anything that passes to the next generation that’s taxable vs the tax free death benefit provided by life insurance

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