Meet Adam. He’s a top income-earner, who realizes he may face a retirement income gap unless he finds a way to supplement his savings.
Adam is currently making the maximum allowable contributions to his 401(k) plan. While reviewing his needs, for both additional protection for his family and another source for retirement income, his financial professional recommends adding an accumulation IUL to his portfolio. It offers the protection he needs for his family plus growth opportunities from indexed accounts linked to S&P 500 Index performance. Adam is also concerned about costs, so his financial professional shows him how allocating across multiple accounts can manage costs.
See how to select investment options, balancing cost and performance potential.
Start a conversation
Many of the successful individuals you work with need tax-efficient ways to supplement their retirement income. Open up your planning discussion by asking:
- What is more important to you, growth or protection?
- Are you interested in receiving the highest possible returns for an extra charge?
- Would you like to earn guaranteed positive crediting every year—even in a down market?
- Do you think the market will produce positive returns year after year?
The answers to these questions can help determine a more strategic allocation approach that aligns with the client’s cost expectations and without having to sacrifice upside potential.
See how an accumulation IUL can strengthen a retirement portfolio.