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Why VUL?

Mutual Funds. IRA. Annuity. Why VUL?. 401K. Bonds. Stock Gains. Clients Needs. Asset Management Retirement Planning Estate Planning Insurance. Why VUL?.

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Why VUL?

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  1. Mutual Funds IRA Annuity Why VUL? 401K Bonds Stock Gains

  2. Clients Needs • Asset Management • Retirement Planning • Estate Planning • Insurance

  3. Why VUL? • - VUL offers the opportunity for clients to have tax-free income from an over-funded VUL as well as death benefits to pay estate taxes • VUL consists of insurance funds that have some of the same fund choices as annuities and stocks • Accumulation side of VUL is like annuities, stocks, mutual funds, and bonds • VUL is just an accumulation of those same assets with an insurance policy combined with them

  4. Consulting to Stock Brokers • Stock Brokers already have a personal relationship with their clients • They have established trust with their clients through other transactions • Many brokers hold qualified plan assets for clients VUL is just combining those same vehicles that have already been sold to the client and adding insurance. • It is easy to talk to the broker about fulfilling his client’s retirement and estate planning needs using VUL

  5. Using VUL for Retirement Income It is an easy transition to talk to brokers about fulfilling their client’s retirement needs by using tax-free, over-funded VUL (LIRP) Example: 35 year old Male, Preferred Non-tobacco $50,000/year premium for 10 years Tax-free withdrawals for 10 years beginning at age 56 Death Benefit: $1,358,730.00 Estimated Withdrawal Amount: $220,056

  6. Using VUL for Retirement Income

  7. Using VUL for Estate Planning You can use VUL to fulfill client’s estate tax needs by giving him death benefit that costs $.10 on the dollar Example: Client’s $100,000 investment in stocks, etc. grows to over $2M. Now client has an estate planning need, i.e., estate taxes will be due at 37-55% for assets over $2M 35 year old Male, Preferred Non-tobacco Death Benefit: $1,000,000 Annual Premium: $4,066.40 for 20 years

  8. Repositioning Assets From Taxable Vehicles to Tax Deferred or Tax Free Vehicles • To help the stock brokers to reposition their clients assets • from taxable vehicles to tax-deferred or tax-free vehicles • A natural opportunity for us as consultants to help broker • meet his clients needs by repositioning assets

  9. Repositioning Assets A Taxable B Tax Deferred C Tax Free Estate Planning - UL or VUL Death Benefit IRA LIRP - Over-funded VUL 401K Annuities Bonds Mutual Funds Stock Gains

  10. Stock Broker Lingo Ticket – Insurance sale or stock transaction YTB – Yield to Broker – what brokers get paid, COMMISSIONS $$ Book of Business – Clients’ portfolios Assets Under Management – money that brokers control for the client

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