Life insurance can be an important tool for clients looking to build cash value for their future. In addition to providing protection, life insurance is a tax-advantaged resource that can provide growth opportunities and access to their potential cash value throughout their lives.
Who are these clients?
These clients fulfilled many goals and may now be thinking about how to maintain their lifestyle in retirement. They have established careers, significant disposable income and a vision for what they want the future to look like.
- These clients are concerned about protecting their loved ones and finances and reducing taxes now and during retirement.
- They may have maxed out their other savings vehicles and are looking for tax-advantaged ways to grow their savings.
- They may be professionals with significant disposable income who are also looking for financial protection for their family.
- They may have recently inherited a significant amount of wealth.
Questions to start the conversation
- Did you know that in addition to a death benefit, life insurance can be an income tax-free resource to supplement your retirement?
- Are you looking for a more flexible policy that would allow you to change your options as your priorities shift through life?
- If you could leave a much larger benefit to your favorite charity than planned, would you explore that opportunity?
- Is your portfolio diversified to maximize tax advantages?
Solutions to consider
For clients looking for protection and:
- Growth opportunity with the flexibility to choose investment options, Lincoln AssetEdge® VUL provides tax-efficient growth potential and opportunity for an income tax-free financial resource
- Significant growth opportunity and distribution potential with market-loss protection, Lincoln WealthAccumulate® 2 IUL provides the flexibility to meet your clients’ evolving needs throughout their lives
Add optional riders for additional protection, including long-term care expense protection.
Advanced tax strategies
For clients with complex estates and diverse goals, use life insurance to create a sophisticated transfer strategy.
For clients with illiquid assets and significant insurance needs, premium financing may be available.
Business insurance solutions
Let us help you identify, design, implement and administer life insurance solutions for your business owner clients.
Help Foreign National clients diversify their global portfolios.