Sales Concept Finder

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Select a client need:

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

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Pass Through C Corporation Sole Proprietorship

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

Select a Transferring the Business:

Transferring to a Family Member Transferring to a Non-Family Member

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Sales concepts

Topic

Client type Individual

Career stage

Net worth

Client need

Client type Business

Entity type

Client need

Transferring 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:

IUL Protect
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.

Insurance for professional athletes and high-profile clients

Pro athletes and other high-profile clients often need special treatment. That’s why we offer white glove, confidential service and a 1-and-done underwriting process.

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

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 Optimizer^sm

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:

IUL Protect
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 Optimizer^sm

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:

IUL Protect
BrightLife^® Grow
VUL Optimizer^sm

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:

IUL Protect
BrightLife^® Grow
VUL Optimizer^sm

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:

IUL Protect
BrightLife^® Grow
VUL Optimizer^sm

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:

IUL Protect
BrightLife^® Grow
VUL Optimizer^sm

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 Optimizer^sm
IUL Protect

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:

IUL Protect
BrightLife^® Grow
VUL Optimizer^sm

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:

IUL Protect
BrightLife^® Grow
VUL Optimizer^sm

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:

IUL Protect
Term Series
VUL Optimizer^sm

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:

IUL Protect
BrightLife^® Grow
VUL Optimizer^sm

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.

HIGHLIGHTED PRODUCT(S) WITH THIS CONCEPT:

IUL Protect

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:

IUL Protect
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
IUL Protect

Review clients' tax returns to find planning opportunities

By placing Equitable's 1040 and Schedule A overlay pages on top of your clients' most recent tax returns, you, in cooperation with their CPAs, may be able to discover planning opportunities you never knew existed.

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:

IUL Protect
VUL Legacy^sm

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
IUL Protect

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:

IUL Protect
VUL Legacy^sm

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
IUL Protect

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.

HIGHLIGHTED PRODUCT(S) WITH THIS CONCEPT:

IUL Protect

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:

IUL Protect
BrightLife^® Grow
VUL Optimizer^sm

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:

IUL Protect
VUL Legacy^sm

Accumulation

Permanent Protection

Temporary protection

Wealth transfer

Guaranteed Issue

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