Life insurance may be your client's most valuable asset class. It has tax-deferred growth, tax-free income and a tax-free death benefit, with no annual IRS contribution limits or RMDs. See how you can position the benefits to lock in gains in a sideways market.

Many Americans are over-allocated to traditional, tax-deferred retirement assets like 401(k)s and IRAs. When taxes increase, they may be taxed as ordinary income. Guide them to tax-free income in their portfolio with a balanced risk profile guaranteed against market losses.

Landowners often have a deep appreciation for their ranch, farm, forest, wetland or other property – and have concerns about the long-term welfare of the land. A conversation easement can help protect the land while life insurance can replace lost market value for the estate.

Wealth transfer strategies help ensure your client’s estate will be distributed the way they choose. Yet some of their beneficiaries may be uninterested in the asset, or ill-suited to own it. The solution may be to create an estate equalization plan using life insurance.

Every product recommendation begins with a conversation. In this cheat sheet, we take five key areas of concern and help you review life events that clients may be working through. The provided discussion points for each can lead to implementing a strategy with an annuity.

With a spousal lifetime access trust (SLAT), one spouse makes a gift to an irrevocable trust using the gift tax exemption. The SLAT names the other spouse as a current beneficiary, which allows the trustee to distribute funds to the beneficiary spouse during their life.

When your client’s objective is to increase future retirement cash flow, paying the highest possible premium into a cash-accumulating life insurance policy may make sense. However, before you recommend this strategy, make sure your client meets these five criteria.

Protection from the unknown. Financial leverage. Tax efficiency. There's no doubt that life insurance is a good tool for your clients. But it's also good for you and your business. Get the highlights of how selling life insurance can be a simple way to help your business grow.

With flexible funding options, uncapped indices and downside protection to eliminate market losses, IUL offers more than just a death benefit. Use this example to discover how to balance growth and protection for your clients through the power of indexing.

There’s a good chance you have clients with nonqualified annuities that aren’t part of their retirement income plan. These annuities can be a viable funding option when it comes to creating a long-term care plan. Getting started takes a single, simple question to your client.

During the accumulation phase, assets invested in the market can often recover from losses by simply waiting for a market recovery. Losses are not "realized." But at retirement, even a few down-market years can have a dramatic effect on your clients' portfolios.

If your clients are ready to move from term insurance to a permanent policy, a term conversion might be the answer. This piece show you how to guide your clients through the process.