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Using a portion of assets, clients could get the certainty of a contractual guarantee of an insurance company, higher than 4%. Then, use that guaranteed income to provide a guaranteed return of their investment principal through a life insurance contract.
Non-spouse beneficiaries of an inherited IRA must take all IRA assets as distributions within 10 years of a death. By purchasing a survivorship life insurance policy and taking systematic withdrawals from the IRA balance, clients can mitigate tax burdens.
Do you know anyone sitting on their existing nonqualified annuity even though they do not need it for income during retirement? See how this couple transferred their nonqualified annuity to a linked benefit annuity to pay for long-term care.
Do you know anyone with a whole life policy that could be repositioned? Learn how this client used her existing whole life policy that she purchased to grow cash value to leave a legacy and protect herself against future long-term care costs.
Knowing the restrictions and requirements for linked benefit solution underwriting can be a challenge. But this quick reference guide can get you started. By identifying the most common ineligible conditions, you can easily determine if your clients can continue with the process.
Ash delivers comprehensive pension risk transfer services to defined benefit plan sponsors. Our knowledge and processes set the industry standard. Here's how our team can help clients get off the funding rollercoaster.
Every advisor needs a sustainable marketing strategy to win prospects. Pension Risk Transfer (PRT) marketing is one way to do it. We help you generate income in the defined benefit plan termination market by identifying prospects, accessing technical expertise, and deliver solutions.
When a client is in an accident, the medical, financial and emotional concerns can be a huge burden. The uncertainties of rehabilitation and future earnings potential must be considered. You can relieve some strains by recommending a structured settlement plan.
Clients selling a business or personal property may prefer to liquidate their investment without having all the proceeds taxable in the year of the sale. If so, they should consider selling their appreciated asset in exchange for a guaranteed income stream of periodic payments.
This is your LTC opportunity finder for clients in different life stages. Clients in their 40s have different concerns than clients in their 70s – and a personal experience with long-term care can propel a buying decision. This guide helps identify which demographics to start talking to.
Pension plans have been creating financial havoc for years. Volatile balance sheet liabilities, increased government fees, high professional fees and looming required contributions are causing sponsors to want to shed their pension plans. The answer to de-risking lies in the approach.
It's important to prepare clients for a successful underwriting outcome. After an application is submitted, many insurance carriers require a phone interview as part of the underwriting process. Here are some things to know to keep the experience positive for your clients.