While company-paid group-term life insurance is beneficial, it is not equally valuable to each employee. Review this sample restoration plan to learn how to make high-income earners whole by providing them additional individual coverage.

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.

After a client's work-related injury case was settled, the client had to decide whether to receive a lump-sum payment or a settlement plan. With the help of a structured settlement consultant, see why they determined a settlement plan was the right choice for his family.

Good planning starts with asking the right questions. This workbook will help you stay organized through the retirement planning data gathering process. There is room to record employer information, proposal census data, retirement plan design, goals and related notes.

You may have clients holding on to a surprisingly large concentration of stock in a single company. At older ages, diversifying may be in their best interest. Life insurance can act as a noncorrelated asset, providing a natural hedge against the market risks of concentrated stock.

A company that routinely bids for large contracts needs to maintain a large pool of working capital, usually held in conservative assets. The cash value of life insurance can be counted as liquid working capital for bond underwriting and while providing a better return.

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.

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.

Employees with higher salaries may be at a disadvantage when it comes to benefits. This client-approved piece shows how a benefit restoration plan can fix that by purchasing additional life insurance coverage and then adding group DI for income protection.

There are higher risk products with potential for higher returns, and products with lower risk and lower returns. Somewhere in between, fixed annuities and fixed indexed annuities (FIAs) provide a strategy for any market – to protect assets while providing potential for additional interest.

When marketing new concepts to clients, it can be tough to get started. We did the hard work for you with this client-friendly letter highlighting the benefits of a qualified longevity annuity contract (QLAC). Download it, modify it and send it to your clients to start a conversation.

Just how expensive is properly designed IUL? This chart outlines the policy charges and policy benefits and compares the savings on fees long-term to those on most managed brokerage accounts.