FINANCIAL TOOLS FOR SUCCESS
Tools to help you provide clear and transparent options for your clients.
CALCULATORS
Calculators to help you get the numbers rights.
DIME METHOD
INVESTMENT CALCULATOR
HISTORY OF
LIFE INSURANCE
TYPES | TERM | WHOLE LIFE | INDEXED |
|---|---|---|---|
YEAR CREATED | 1920's | 1950's | LATE 90's |
AFFORDABILITY | $ | $$$ | $$ |
ACCUMULATION STYLE | No cash value | Earns 3-4% | Uncapped/0% Floor |
COVERAGE PERIOD | 10, 15, 20, 30 Years | Lifetime | Lifetime |
ACCESS METHOD | N/A | 5-8% Loans | 1-6% Loans |
THE POWER OF
INDEXED POLICIES
Indexed
Savings
- Minimum Guarantee
- Upside Potential
- Tax Free Access
- No Mandatory Withdrawals
- No FAFSA
- No 59 ½ Rule
IUL
Insurance
Protection
Long-Term Care
- Nursing Home
- Avg 2% Monthly
Living Benefits:
- Critical Illness (up to 90%)
- Chronic Illness (up to 2% Monthly)
- Terminal Illness (100%)
Multi-Use
Opportunities
- Family (Retirement, College Saving, Supplemental Savings, etc.)
- Business (Executive Bonus, etc.)
- Against Market Volatility
- Against the IRS (Tax Free Growth)
- Against Inflation
- Against Creditors
TAX CODES
IRC 162 - TAX DEDUCTIBLE
IRC 7702 (B) - LONG TERM CARE
IRC 72(E) TEFRA - HOW THE IUL GROWS TAX FREE
IRC 7702 DEFRA - HOW YOU CAN TAKE MONEY OUT F IUL TAX FREE
IRC 101(A) TAMRA - IUL IS GIVEN TO BENEFICIARIES TAX FREE WHEN YOU PASS AWAY
PERSONAL PRIVATE
PENSION (ANNUITY)
SOCIAL
SECURITY
PERSONAL
SAVINGS
COMPANY PENSIONS
Capture Upside
- Up Market - Lock In
- Down Market - Guaranteed Floor
Lifetime Income
- Guaranteed Income for Life
- Guaranteed not to Lose Money
Death Benefit
- Leave a legacy with remaining balance
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