In years when the S&P 500® Index is negative, fixed indexed annuities (FIAs) can be a client's hardest-working asset. Supported by a minimum guarantee, FIAs provide an opportunity to accumulate value on the appreciation of the S&P, without losing premium when the S&P was negative.

Many things keep business owners up at night, including taxation and protecting against the loss of key employees. Corporate-owned life insurance (COLI) can help with both. In this solution, we'll look at COLI as an institutionally priced cash value life insurance product.

Here's a funding solution for clients who seek the protection of permanent life insurance, with the added benefits of an indexed universal life. Using a SPIA to fund the IUL, they can potentially increase death benefits while maximizing cash value for withdrawal opportunities.

For clients who rely on interest from CDs for retirement income, annuities may provide a better alternative. A single premium immediate annuity (SPIA) with a full return of premium (ROP) rider can generate significantly more annual lifetime income. In this example, 6x higher!

In legacy planning, simply leaving money to a grandchild in a will is leaving money on the table. Instead, depositing money into a joint and survivor single premium immediate annuity (SPIA) with a cost of living adjustment rider can provide guaranteed income for life.

There are hidden opportunities in your book of business. By leveraging our cutting-edge technology and specialists to streamline your in-force policy management process and optimize client connections for future growth, we can help you uncover them.

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.

A Charitable Lead Annuity Trust (CLAT) is an IRS-approved method that allows a donor to reduce a portion of their income taxes by promising gifts to charity(s) over time. Under the right circumstances, it can generate benefits for charities and a donor.

Developing an exit strategy is a pressing financial challenge facing small-business owners. For businesses with more than one owner, the ability to successfully sell a business interest at retirement is often dependent upon the quality of their buy-sell agreement.

Many clients are trying to make pension decisions for the future now. This can be especially tricky if they are trying to figure out whether to take a single life benefit or joint/survivor benefit annuity payout option from a defined benefit plan. This pension max overview can help.

Many advisors assume that once a client reaches 70 years old, long-term care insurance becomes too restrictive and hard to sell. Higher pricing. Stricter underwriting. But now you can turn tax-deferred dollars into tax-free coverage with a linked-benefit LTC annuity.

Clients often hate debt. But loans can have hidden advantages. Low interest rates and favorable tax advantages have changed the game. See how fixed-rate loans, withdrawals from fixed loans, and participating loans can provide three paths for retirement income as needs arise.