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Annuity Maximization - Maximizing Annuity Funds Using Life Insurance

Annuities can be a vital part of this planning process with the evolution of product options and insurance companies recognizing this need. Guaranteed lifetime income riders have become a key component in planning for retirement and are available with many of our products. We look forward to assisting you in determining if an annuity option and which option might work best for you and your client.<br><br>

3DAdvisorsInc
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Annuity Maximization - Maximizing Annuity Funds Using Life Insurance

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  1. AnnuityMaximization MaximizingAnnuityFundsUsingLifeInsurance Concept Usinglifeinsurancetomaximizeannuityfundscanprovideyourclients’beneficiarieswiththemostvalue,withoutworryofincomeorestatetaxes. AgentProfile Financialprofessionalwhospecializesinbothlifeinsuranceandannuitysales,orwhoworksinainsuranceadviserrole. ClientProfile Typicallyage45to85andhasanannuitythatisn’tneededforcurrentincome.Wantstoleavemoneytoheirsand/oraccesscashvaluedowntheroad. ProductOptions –low-cost UL ® Guarantee Custom q deathbenefit guaranteed low-cost IUL– ® Builder Guarantee q with deathbenefit guaranteed potential growth cashvalue to –access ® IUL RapidBuilder q potential growth earlycashvalue KeySellingPoints IllustrationDesignTips q Thepremiumpaidisimmediatelyleveragedintoalarger,potentiallytax-free deathbenefitforheirs. q Cashvaluegrowstax-deferredwithanIULpolicy. q Accelerated death benefits canofferyourclientsaccesstocashvalueintheeventofanunexpectedillness,subjecttoeligibilityrequirements. q Maximizethe deathbenefitwithaproductlikeCustomGuaranteefortheclientwhoissuretheydon’tneedthemoneyforanythingotherthantopassalongtoheirs. q Consideraproductwithcashvalueaccumulationfortheclientwhostillwantstoknowtheycanaccessfundsifneeded. SinglepremiumisconvenientbutwillcausethepolicytobeaMEC.2Althoughthatisstillagenerallytax-free deathbenefit,gainswithinthepolicymaybetaxable. UseaninternalrateofreturnreportorInsmarktopresentthevalueoftheconcept. q q 4 NAM-307411/14 FORAGENTUSEONLY.NOTTOBEUSEDFORCONSUMERSOLICITATIONPURPOSES.

  2. RightWords RightQuestions NewEmailMessage Send Cancel To: Cc: Subject:Follow-UpEmailtoAgent Hello, It was nice talking with you today about using life insurance to help clients maximize their annuities. It sounds like this is a planning idea you’re interested in for your clients, so I thought I’d send you some tips to help you get started. Think about your current book of clients. The ones who could benefit from this concept will ideally be 45-85 years old, need life insurance, and have an annuity income stream that they don’t plan to use. If they want to leave the funds to heirs,oriftheythinktheymightneedthemoneydowntheroad,thenleveragingtheannuitywithlifeinsurancecouldbe very useful. With life insurance, the premium paid is immediately leveraged into a larger, generally tax-free death benefitfor heirs. Cash value can also be accessed in a tax-efficient way with an indexed universal life insurance policy. Once you think of a client or two, send me their information and I can help you design a case for them. Feel free to call me in the meantime with any questions! Thanks, Neither NorthAmericanCompanynoritsagentsgivetaxadvice.Please adviseyour customerstoconsultwithand relyonaqualifiedlegalortaxadvisorbeforeenteringintoorpayingadditional premiumswith respecttosucharrangements. IRSCIRCULAR230NOTICE Anytaxadviceincludedinthiswrittenorelectroniccommunication,includinganyattachments,wasnotintendedorwrittentobeused,anditcannotbeusedby youoranytaxpayerforthe purposeofavoidinganypenaltiesthatmaybeimposedonyouorany otherperson undertheInternalRevenueCodeorapplicablestateorlocaltaxlawprovisions.Althoughanytaxadvice containedhereinwaswrittentosupportthe promotionormarketingofthetransaction(s)matter(s)addressedby theadvice,itcannotbeusedby youoranytaxpayerto,promote,marketorrecommendto anotherpartyanytransactionormatteraddressed herein.Taxpayersshouldseek advicebasedontheirparticularcircumstancesfroman independenttaxadvisor. Gotohttp://nalife�northamericancompany�com/NA-AnnuityMaxtodownloadthecompletesalesconceptkit! 5 NAM-307411/14 FORAGENTUSEONLY.NOTTOBEUSEDFORCONSUMERSOLICITATIONPURPOSES.

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