As a producer, it is your responsibility to educate your client about how the withdrawals and policy loans can affect their policy.

IUL products are especially well-matched for a low-interest and uncertain economic climate, offering principle protection and growth opportunity.

By converting the Deferred Annuity to a SPIA and then leveraging the SPIA income withdrawals to purchase Life Insurance, you’ve created a simple solution to increase the amount transferred to the heirs of your client.

By converting the Deferred Annuity to a SPIA and then leveraging the SPIA income withdrawals to purchase Life Insurance, you’ve created a simple solution to increase the amount transferred to the heirs of your client.

The Income Provider Option provides your client with two immediate benefits – peace of mind knowing their family will be cared for the way they intended and lower current premiums, leaving them more discretionary income to use while they are still alive.

Providing a needs-based analysis to customers helps them understand how life insurance can work for them and their families. Three-quarters of shoppers who received a needs analysis bought life insurance.

Today, many carriers are offering Linked Benefit products which allow your clients to access a percentage of their policy’s death benefit in order to cover their Long Term Care expenses.

More than half of Americans believed that they would feel the financial impact from the loss of the primary wage earner within six months.