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2012 Sales Strategies As you prepare your business plan for 2012, consider the following planning strategies as solutions to specific client need. Take a look... Key Person Options with Premier
Policy Form Series: 11PROUL Policy Form Series: 11INDUL |
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Charitable Gifts of Life Insurance
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Year End Planning: Timing is Everything! The end of the year is a good time for clients to take stock of their gifting objectives, explore charitable giving techniques and maximize contributions to retirement plans. Wealthy families should also consider using, where appropriate, common techniques to transfer wealth before year end given the potential for some of these techniques to be eliminated as Washington considers deficit reduction strategies. Take a look at our Year End Planning brochure for different ways to maximize gifts before the end of the year! |
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Consider the Value of Protection UL: Low Cost with Basic Guarantees, and Flexibility to Access Cash and Vary Premiums Click here to see our InvestInYourLifetime interactive tool that illustrates Protection UL's attractive IRR. |
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Consider the Value of Protection UL: Low Cost with Basic Guarantees, and Flexibility to Access Cash and Vary Premiums Click here to see the new JH Solutions module, Flexible Planning with Protection UL and SUL that illustrates the effects of crediting rate changes, comparisons to NLG products and side fund savings. |
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Non-Qualified Retirement Plans: Helping business owners and executives maximize retirement while protecting survivor needs A permanent life insurance policy provides clients with both protection during the working years and the opportunity to supplement retirement income afterwards. Click here to see a summary of the different types and features of Non-Qualified Plans. |
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Paying Premiums with Arbitrage TODAY we find ourselves in an economic environment that features some of the lowest interest rates in the past century. In the right circumstances, clients who have an asset that is currently producing a return that exceeds today's low interest rates can use the arbitrage to pay premiums. This may offer them a way to fund an Irrevocable Life Insurance policy while minimizing transfer and income taxes. Take a look at how this strategy works. Click here------ |
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Making Outright Gifts The new JH Solutions Leveraged Asset Transfer module illustrates the significant benefits of making use of the higher lifetime gift tax exemption ($5M) provided for under the 2010 Tax Act. This module illustrates the power of making outright gifts of an income producing asset to an irrevocable life insurance trust (ILIT), including the benefit of shifting both the value of the asset and its appreciation out of the grantor’s taxable estate, protecting the asset from the reach of creditors, sheltering the asset from the probate process and managing a beneficiary’s access to distributions. This timely module effectively demonstrates how the gifted asset’s income can be leveraged with life insurance to potentially increase the amount remaining for heirs.
Click on the following to see the Asset Transfer presentation from our new JH Solutions module, as well as our Stepping forward Two Years at A Time flyer on the topic:
Stepping Forward Gifting & Selling Assets
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