Our goal at AE Life is to show you how you can leverage the asset of life insurance to help your clients more fully enjoy retirement by seeking to improve their overall financial position while driving more revenue to your practice. Our concepts can be broken down into five pillars.

Estate Planning: Do you have clients with qualified money or annuities they no longer need for retirement income? Do they plan to leave those assets to their beneficiaries? Show them how to leverage life insurance to potentially increase the amount they pass on to their beneficiaries.

Option C: When clients are looking for places to put their money, typically they feel they have to choose between liquidity, safety and a measurable return. However, there is an alternative. Life insurance can be an asset in a “class of its own.” With a tax-free death benefit, tax-deferred growth potential, tax-free distributions and no IRS income or contribution limits, life insurance can provide a level of diversification in a well-rounded retirement strategy.

Chronic Illness and Long-Term Care (LTC) Benefits: With fewer carriers offering traditional long-term care (LTC) insurance combined with the trend of increasing premiums, many of your clients may be looking for an alternative to help them pay for the costs associated with long-term care. Several life insurance options can help provide your clients with a level of protection to cover this need.

Policy Review: Reviews are an opportunity to assess your clients’ or prospects’ existing coverage to ensure it aligns with their current life circumstances and comprehensive financial goals, legacy wishes and retirement income needs, and to identify any potential gaps.

Tax Planning: Clients face the dilemma of planning to make sure their money outlasts their lifespan. Taxes can be a question mark in this planning process. Knowing when your income will be taxed is only half the battle. You also need to know what the tax rate for your future income will be. IUL can be part of a tax-efficient, diversified retirement strategy for your clients with the potential to accumulate cash value that can be accessed for supplemental retirement income in addition to providing a death benefit.

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Policy loans and withdrawals will reduce available cash values and death benefits and may cause the policy to lapse or affect any guarantees against lapse. Additional premium payments may be required to keep the policy in force. In the event of a lapse, outstanding policy loans in excess of unrecovered cost basis will be subject to ordinary income tax. LTC benefits are optional and may involve additional annual charges.

All insurance product guarantees are backed by the financial strength and claims-paying ability of the issuing company.

4/21-1616038 – For financial professional use only. Not to be used with the general public or in a sales situation.