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    How Your Clients Can Increase Future IUL Contributions

    Posted by Partners Advantage on Wed, Jan 24, 2018 @ 12:00 PM

    Financial professionals often look at clients solely through the eyes of an illustration. We assume what a client looks like today will continue into eternity, instead of realizing that life changes over time. One example of this has to do with clients being able to afford higher contributions to an indexed universal life insurance (IUL) policy in the future than what they can afford today.

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    Tags: IUL (indexed universal life insurance), retirement strategies

    Evolution of Life Insurance Tax Codes

    Posted by Jeff Janes on Wed, Dec 13, 2017 @ 01:00 PM

    Until 1982 no statutory rule existed that defined the characteristics of life insurance for federal tax purposes. However, in the early 1980s, Congress was motivated to act by the development of a new generation of Universal Life contracts because these new products provided significantly more cash-value build-up than was needed to support the death benefit.

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    Tags: IUL (indexed universal life insurance)

    How Order of Returns Risk Can Impact Your Clients

    Posted by Mark Triplett, CEO of Triplett-Westendorf Financial Group on Wed, Nov 22, 2017 @ 12:00 PM

    One of the most common risks in retirement is order of returns risk (also known as: sequence of returns risk). It is well known within the financial services industry that investing in marketable securities exposes clients to this risk. However, do your clients know that many indexed products are not immune from order of returns risk?

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    Tags: IUL (indexed universal life insurance), retirement strategies

    Questions You Should Ask Clients to Reduce Delayed Applications

    Posted by Partners Advantage on Thu, Sep 28, 2017 @ 12:00 PM

    To no surprise of anyone in our business, financial professionals often express to me their frustrations with the life insurance underwriting process. When I consult with them, I find myself asking the same important questions:

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    Tags: IUL (indexed universal life insurance), practice management, retirement strategies

    Bond Alternatives You Can Use to Strengthen Your Clients' Portfolios

    Posted by Mark Triplett, CEO of Triplett-Westendorf Financial Group on Wed, Jul 26, 2017 @ 05:42 PM

    In the past, financial professionals have relied on a well-balanced portfolio of stocks and bonds to manage a client’s risk versus return. While the concept is widely accepted, if you ask 50 different financial professionals what a well-balanced portfolio of stocks and bonds looks like, you'll likely get 50 different answers. 

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    Tags: IUL (indexed universal life insurance), annuity, retirement strategies

    How IUL Policies Can Provide Your Clients More Benefits with Less Risk

    Posted by Jeff Janes on Wed, Jul 19, 2017 @ 05:14 PM

    There are various products out there that provide your clients with retirement income, and many of the traditional options such as a 401(k), IRA or Roth account come to mind. What many of your clients may not realize is that a properly structured and funded Indexed Universal Life (IUL) policy can provide your clients more benefits with less risk than the traditional options. 

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    Tags: IUL (indexed universal life insurance), retirement strategies

    How Your Client's Indexed Universal Life Policy Credits Interest

    Posted by Jason Konopik on Thu, Jun 08, 2017 @ 05:58 PM

    A very basic way to understand how Indexed Universal Life (IUL) credits interest is to think of it like a very simple game where you flip a coin 10 times. There are then two ways to play the game. In Game 1 you win $100 for every head, and lose $100 for every tail. Game 2 awards you $70 for every head, but you lose nothing for every tail.

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    Tags: IUL (indexed universal life insurance), retirement strategies

    Why IUL Works for Your Clients Today and Tomorrow

    Posted by Jeff Janes on Tue, May 23, 2017 @ 05:05 PM

    Today with so many carriers and marketing organizations jumping on the Indexed Universal Life (IUL) bandwagon, it’s hard to believe that the product was actually introduced to the market in 1997. Back then, forward-looking insurance companies were trying to find ways to make their fixed insurance products more attractive.

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    Tags: IUL (indexed universal life insurance), retirement strategies

    How Taxes Impact Your Clients' Different Financial Accounts

    Posted by Jeff Janes on Thu, May 11, 2017 @ 05:22 PM

    When choosing the best financial product for your clients, you must take the tax advantages or disadvantages into account. The way contributions, earnings, distributions, and death benefits are taxed could dramatically impact how much your clients or their beneficiaries receive when their accounts are cashed out. Here's a high level comparison of how taxes impact your clients' different financial accounts.

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    Tags: IUL (indexed universal life insurance), taxes, retirement strategies

    How the Long Term Performance of IUL Benefits Your Clients

    Posted by Jeff Janes on Mon, Apr 17, 2017 @ 05:43 PM

    A question some clients raise is that they’ve been told that indexed universal life policies won’t perform over the long term, in other words the policy performance isn’t as rosy as illustrated. Before AG 49, many producers over-illustrated the power of IUL, and today those new guidelines help temper some of the more outrageous claims. However, many carriers are finding unique ways to enhance policy performance by reducing the costs to buy the indexing options.

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    Tags: IUL (indexed universal life insurance), practice management

    FOR PRODUCER USE ONLY. NOT FOR USE WITH CLIENTS.

    This content is for informational and educational purposes only and is not designed, or intended, to be applicable to any person's individual circumstances. It should not be considered as investment advice, nor does it constitute a recommendation that anyone engage in (or refrain from) a particular course of action.