When corporate tax rates are lower than individual income tax rates, owners seek to retain capital in their businesses. Many keep a large part of their working capital in conservative, liquid assets but should consider maximum funding corporate-owned cash value life insurance.

Like all high-income earners, highly paid employees of non-profits reach a point where they'd prefer to defer some of their current taxable income. In the summer of 2016, football coach Jim Harbaugh struck a split-dollar plan with the University of Michigan that's become legendary.

Due to contribution limits, successful, high-income business owners are disadvantaged under the rules imposed on qualified plans. A cash value life insurance policy insuring the business owner can serve as a business-funded retirement account to provide tax-deferred growth.

Business partners often own term life insurance policies on each other to fund a buy-sell agreement. They figure the buy-sell need is temporary and will go away once either partner retires, but there are problems that can be avoided by each partner owning their own policy.

If costs are equal, who would your clients rather pay - the government or an insurance company? This conversation starter helps you identify the right clients for cash value life insurance and covers the key advantages of moving money into the right product at the right structure.

Don't miss a potential sale! As a bank teller, it can be hard to know what to say to clients to get a referral for retail bankers. This series of topics helps you find key indicators in potential clients, with an easy reference sheet on questions to start the planning process.

Each business stage requires a different focus and set of tools and strategies to help business owners accomplish their goals. From start up, through growth, maturity and eventually business transfer, we can help you identify the issues you should be discussing with your client.

Every product recommendation begins with a conversation. In this cheat sheet, we take five key areas of concern and help you review life events that clients may be working through. The provided discussion points for each can lead to implementing a strategy with an annuity.

Protection from the unknown. Financial leverage. Tax efficiency. There's no doubt that life insurance is a good tool for your clients. But it's also good for you and your business. Get the highlights of how selling life insurance can be a simple way to help your business grow.

In this conversation card, you're looking for risk-averse clients who are nearing or currently in retirement. These clients want their money to grow tax-deferred, but feel uneasy about market swings. A fixed indexed annuity (FIA) can help mitigate the risk while offering strong returns.

In this conversation card, you're looking for clients who have fear of missing out. They may have idle money earning low interest and are waiting for interest rates to rise. A rate-adjusted fixed annuity can help provide principal protection with a floating rate that is adjusted annually.

In this conversation card, you're looking for clients with CDs that rollover regularly or where the clients aren't using the funds. Through a multi-year guarantee annuity (MYGA), you can provide principal protection and liquidity with a greater return than a typical CD.