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    For the goals they have in life.

    Learn more about the different life insurance policies available from Equitable.

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Sales Concept Finder

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Individual Business Owner

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10 plus years from retirement Less than 10 years from retirement Retired

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Replacing lost income at death Accumulating assets Tax planning Advanced premium funding Wealth transfer

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Protecting the Business Transferring the Business Attracting and Retaining Key Employees Personal Retirement Planning Advanced Premium Funding

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All Concepts Asset Accumulation Business Protection Executive Benefits Income Replacement Retirement Planning Specialty Markets Tax Planning Wealth Transfer
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Sales concepts

Individual
Business

Buying life insurance in a qualified plan

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 policies still meet their needs?

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

Life Insurance as a private reserve

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 Optimizersm

Using life insurance to help preserve income in retirement ("Smooth Sailing")

Market performance in the earliest years can make or break a client's long-term retirement. But, with cash value life insurance, clients can take available withdrawals during down-market years to help preserve their assets.

HIGHLIGHTED PRODUCT(S) WITH THIS CONCEPT:
  • BrightLife® Grow

A Roth IRA alternative

For clients who have maxed out retirement plans and are not eligible for a Roth IRA or have already contributed to one, this strategy can provide a way to save additional funds for retirement – with tax-free accumulation and distributions, and no RMDs.

HIGHLIGHTED PRODUCT(S) WITH THIS CONCEPT:
  • BrightLife® Grow
  • VUL Optimizersm

Buy-sell strategy for businesses with multiple owners

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 Optimizersm

Protect the business with key person life insurance

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 Optimizersm

Simple buy-sell for two business owners

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 Optimizersm

A cross purchase buy-sell for businesses with multiple owners

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 Optimizersm

Using permanent life to fund a Retirement Buy-Sell

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

Keep key executives with a BATL Plan®

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 Optimizersm

Retain key employees with a Stay Bonus

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 Optimizersm

Reward key employees with an executive bonus plan

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 Optimizersm

How much life insurance do they need?

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 Optimizersm

Protection for stay-at-home parents

Your clients might be surprised at how much a stay-at-home parent “earns” – and how little term life insurance costs in comparison.

HIGHLIGHTED PRODUCT(S) WITH THIS CONCEPT:
  • Term Series

Taking care of life insurance and long-term care needs

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 Optimizersm

What’s the return on a lifetime?

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.

Pension protection for educators

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

Using life insurance to help minimize taxes in retirement

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

The 3-bucket approach to protecting a legacy (“Legacy Protect”)

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 Legacysm

Premium financing for high-net worth clients

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

Using Social Security benefits to maximize a legacy

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 Legacysm

Too much of one stock?

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

Using life insurance as an asset

High net-worth families can use life insurance as an asset to transfer a pre-determined amount of money to their beneficiaries at death, regardless of how their other assets perform.

Using Projected Inheritance to obtain younger clients

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 Optimizersm

Increasing wealth transfer using deferred annuity distributions

If your clients own deferred annuities that they don’t need for retirement and want to pass along without their family paying both estate and income taxes, they can use life insurance to help maximize the wealth transfer.

HIGHLIGHTED PRODUCT(S) WITH THIS CONCEPT:
  • VUL Legacysm

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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)

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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) (Equitable Financial Advisors in MI & TN).

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