Whether your clients want to transfer wealth to the next generation, make a gift to charity, or create liquidity to pay state or federal estate taxes, life insurance may be an ideal solution.
Who are these clients?
These clients have a handle on the present and are thinking about the future. They have a career plan and direction in their personal and family lives. They understand the value of saving and fund their 401(k), IRA, or other plans.
- They may be thinking about doing a little more for a loved one with special needs or rewarding a beloved organization.
- They are actively planning for their future.
- They are concerned about taxes in retirement.
Questions to start the conversation
- I know you're maxing out your retirement savings plans, but have you explored adding life insurance to your existing plan since it can offer a death benefit and potential cash value growth you can access?
- What is your plan to cover long-term care expenses? Do you know what options you have?
- Do you currently donate to your favorite cause or foundation? Did you know you could give them a larger contribution using life insurance?
- Have you explored how life insurance can help minimize your tax exposure?
Solutions to consider
For clients looking for:
- Flexibility with their guaranteed protection, consider Lincoln LifeGuarantee® UL or Lincoln LifeGuarantee® SUL
- Guaranteed lifetime protection with growth opportunity, Lincoln VULONE* or Lincoln SVULONE provides market-driven growth potential and a choice of more than 75 investment options
- Growth opportunity with flexibility to choose investment options, Lincoln AssetEdge® VUL provides tax-efficient growth potential and opportunity for an income tax-free financial resource
- Growth opportunity with market-loss protection, Lincoln WealthAccumulate® 2 IUL provides significant wealth accumulation and distribution potential, as well as the flexibility to meet your clients' evolving needs throughout their lives
Add optional riders for additional protection, including long-term care expense protection.
Business insurance solutions
Let us help you identify, design, implement and administer life insurance solutions for your business owner clients.
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.
Help Foreign National clients diversify their global portfolios.
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