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Sales concepts

Topic

Client type Individual

Career stage

Net worth

Client need

Client type Business

Entity type

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Transferring business

Buying life insurance in a qualified plan | Equitable

Clients who are interested in getting the largest life insurance benefit for the least out-of-pocket cost may want to consider purchasing life insurance within their qualified retirement plan.

HIGHLIGHTED PRODUCT(S) WITH THIS CONCEPT:

BrightLife^® Grow

Do your clients’ life insurance policies still meet their needs? | Equitable

Take a three-pronged approach to reviewing your clients' life insurance policies and to determining whether they should be adjusted.

Help your clients maximize their pension benefits

Your clients can use life insurance to maximize their pension benefits and help provide financial independence for their surviving spouse.

HIGHLIGHTED PRODUCT(S) WITH THIS CONCEPT:

IUL Protect
VUL Optimizer^sm

How to use your life insurance policy as a private account | Equitable

Life insurance can offer both death benefit protection and cash value potential that can be used as a "private reserve" of cash for your clients, their families, and their businesses.

HIGHLIGHTED PRODUCT(S) WITH THIS CONCEPT:

BrightLife^® Grow
VUL Optimizer^sm

How to use a permanent life insurance policy to fund a retirement buy-sell agreement | Equitable

When a business co-owner needs more flexibility in how life insurance funds will be used, you may want to consider this strategy.

HIGHLIGHTED PRODUCT(S) WITH THIS CONCEPT:

BrightLife^® Grow

What is a buy-sell strategy for businesses with multiple owners? | Equitable

An entity purchase buy-sell agreement may work well for businesses with multiple owners, where the owners are different ages or the business wants to keep assets on the books.

HIGHLIGHTED PRODUCT(S) WITH THIS CONCEPT:

BrightLife^® Grow
VUL Optimizer^sm

What is a cross purchase buy-sell agreement for two business owners? | Equitable

Do your clients need to put together a buyout agreement for their business? For two business owners, a simple cross purchase buy-sell can work well.

HIGHLIGHTED PRODUCT(S) WITH THIS CONCEPT:

BrightLife^® Grow
VUL Optimizer^sm

What is a key person life insurance policy? | Equitable

If your clients employ key people who are critical to their business's success, they may want to consider protecting the business in case something happens to those employees. One way to do that is through Key Person life insurance.

HIGHLIGHTED PRODUCT(S) WITH THIS CONCEPT:

BrightLife^® Grow
VUL Optimizer^sm

What is a cross purchase buy-sell agreement for multiple business owners? | Equitable

A trusteed cross purchase buy-sell agreement works well for clients who want a cross purchase buy-sell arrangement, but there are three or more business owners.

HIGHLIGHTED PRODUCT(S) WITH THIS CONCEPT:

BrightLife^® Grow
VUL Optimizer^sm

How to keep executives with an executive benefits bonus plan | Equitable

If your business owner clients have important, highly paid executives who need to save more for retirement, they may want to consider offering a Bonus and Tax Loan (BATL) Plan^® an Executive Bonus plan combined with loans from the employer to pay the taxes on the bonuses.

HIGHLIGHTED PRODUCT(S) WITH THIS CONCEPT:

BrightLife^® Grow
VUL Optimizer^sm

What is a life insurance-funded executive bonus plan? | Equitable

Successful businesses need to attract, retain, and reward key employees. One way to do this is through non-qualified executive bonus plans, funded with permanent life insurance.

HIGHLIGHTED PRODUCT(S) WITH THIS CONCEPT:

BrightLife^® Grow
VUL Optimizer^sm

What is a stay bonus plan and how can businesses retain key employees with one? | Equitable

If your business-owner clients worry about what could happen if they pass away unexpectedly, they may want to use a Stay Bonus to retain their key employees and help stabilize and maintain the business through that difficult time.

HIGHLIGHTED PRODUCT(S) WITH THIS CONCEPT:

BrightLife^® Grow
VUL Optimizer^sm

How much life insurance do your clients need? | Equitable

Performing a capital needs analysis can help your clients determine how much life insurance protection they need and better prepare them for the future.

HIGHLIGHTED PRODUCT(S) WITH THIS CONCEPT:

Term Series
VUL Optimizer^sm

The benefits of adding a long-term care rider to your life insurance policy | Equitable

Clients who need both life insurance and long-term care protection may want to consider combining them into one policy: life insurance with a long-term care rider.

HIGHLIGHTED PRODUCT(S) WITH THIS CONCEPT:

BrightLife^® Grow
VUL Optimizer^sm

What’s the return on a life insurance policy? | Equitable

Your clients may think they are better off self-insuring and investing money in another product than life insurance. They may want to think again.

How to protect an educator's pension plan | Equitable

Help your clients protect their largest asset – their pension – for their family, in case they pass away early.

HIGHLIGHTED PRODUCT(S) WITH THIS CONCEPT:

Term Series

How to use a life insurance policy to minimize taxes in retirement | Equitable

During retirement, your clients can help keep their tax bill down by accessing additional funds from cash value life insurance.

HIGHLIGHTED PRODUCT(S) WITH THIS CONCEPT:

BrightLife^® Grow

Financing life insurance policy premiums for a high-net worth client | Equitable

If your high-net worth clients need life insurance protection but don't want to liquidate potentially high-performing assets, they may be able to finance the premiums.

HIGHLIGHTED PRODUCT(S) WITH THIS CONCEPT:

BrightLife^® Grow

How to use a projected inheritance to purchase a life insurance policy | Equitable

If you have older clients with substantial wealth, you may be able to use the children's projected inheritance to justify life insurance for the next generation.

HIGHLIGHTED PRODUCT(S) WITH THIS CONCEPT:

BrightLife^® Grow
VUL Optimizer^sm

How to use Social Security benefits to fund a life insurance policy | Equitable

If your clients don't need their Social Security benefits for retirement, they may use a portion to help maximize their legacy by purchasing life insurance.

HIGHLIGHTED PRODUCT(S) WITH THIS CONCEPT:

VUL Legacy^sm

Three types of funds for protecting your retirement assets | Equitable

Using the 3-bucket approach, you can help your clients ensure their family's legacy, have money for retirement and for other financial contingencies.

HIGHLIGHTED PRODUCT(S) WITH THIS CONCEPT:

VUL Legacy^sm

Why your clients might sell stock to buy a life insurance policy | Equitable

For clients who have a heavy concentration of one stock in their portfolio, you may want to suggest using life insurance to help diversify and transfer wealth efficiently.

HIGHLIGHTED PRODUCT(S) WITH THIS CONCEPT:

BrightLife^® Grow

Life insurance products are issued by Equitable Financial Life Insurance Company (New York, NY) or Equitable Financial Life Insurance Company of America, an Arizona stock company and are distributed by Equitable Distributors, LLC.

Equitable Financial and its affiliated do not provide legal or tax advice. Clients must rely on their own advisors on these matters.

References to Equitable on this page represent both Equitable Financial Life Insurance Company and Equitable Financial Life Insurance Company of America, which are affiliated companies.

For Financial professional use only/Not for distribution to the public

GE-5997942.1 (11/2023) (Exp. 11/2025)

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Equitable is the brand name of the retirement and protection subsidiaries of Equitable Holdings, Inc., including Equitable Financial Life Insurance Company (Equitable Financial) (NY, NY), Equitable Financial Life Insurance Company of America (Equitable America), an AZ stock company with main administrative headquarters in Jersey City, NJ, and Equitable Distributors, LLC. Equitable Advisors is the brand name of Equitable Advisors, LLC (member FINRA, SIPC). GE-2891061(01/20)