White Paper: Valuation of Life Insurance Policies

Life insurance has become an important tool for advanced techniques used in the areas of estate planning, business planning, and executive benefits. Such techniques may include the transfer of an existing policy by gift or sale, or may include the use of a life insurance policy to create benefits for employment or retirement. In each of these situations, it is important to be able to provide an accurate valuation of the life insurance policy in order to determine the income, gift, generation-skipping transfer (“GST”), or estate tax consequences of the transfer or benefit at issue. Read more...

Financial Security for Clients — Now and Later

Laddering life insurance policies provides the right amount of protection your clients need, when they need it. They aren’t under-insured when their financial responsibilities are highest or over-insured as their financial responsibilities decrease.

Read this Laddering Case Study and see how laddering Colony Term UL 20 and Colony LifeLong UL policies forms an unbeatable team — affordable death-benefit guarantees to meet short-term and long-term needs.

Indexed UL's Top Selling Points

Have any of your clients recently paid off a debt or had extra money become available? Do they have a child that just started Kindergarten? Or graduated College? Perhaps their focus has been on paying off debts in order to save for their retirement.

What are they doing with the money for future savings? One solution would be to take money that was being allocated to such items that they has been freed up and use it to supplement their retirement by funding a life insurance policy. By taking this action the client would not feel any additional financial burden and would be helping to save for retirement and providing protection for their family.

John Hancock's new Indexed UL can help in this situation in that it can provide valuable tax-free death benefit protection along with ability to generate tax-favored income at retirement.
To illustrate this scenario we have included a Life Insurance in Retirement Planning (LIRP) Plus presentation and illustration showing the Indexed UL product and the potential of the product.

This flyer shows why NOW is the time to sell John Hancock's Indexed UL!

Check out this picture of the MVP Partners at NAILBA with a Crocodile!

Ask the MVP Underwriter about your next case!

Competitively Priced SUL

Prudential remains committed to the lifetime secondary guarantee marketplace for survivorship universal life (SUL)—even as other companies have left. Their commitment to this market is evident in repricing earlier this year and in the introduction of new market opportunities for SUL, beyond just the wealthy.

• Competitive Premiums—up to age 65 their product is much improved and as competitive as anyone.



• Secondary guarantees that offer consumers the opportunity for lifetime protection!



• Exceptional Capacity—$35 million retention and $65 million automatic issue limit on second-to-die policies with the SuperPool.



• Age Last Birthday pricing—Pru is one of the few carriers that offers this key pricing advantage!

SUL Protector is a great play in estate planning, wealth transfer, special needs, and a variety of other markets. Learn about their 10 Sales Opportunities in 10 Minutes with PruLife SUL Protector.

Start the New Year with a New Way to Grow Your Business

Because life changes, markets fluctuate, and plans don't always go as expected -- offer your clients products designed to work in an unpredictable world by making sure that a portion of their retirement money is safe and has the opportunity to grow. Join us to learn more about these great new products that provide you a new way to help you prepare your clients for retirement and to grow your business. You'll leave with an appreciation of the straightforward design, differentiating features, and flexibility available to you and your clients.

Webinar will cover:
• Genworth’s Commitment to Fixed Annuities
• Why SecureLiving Index Annuities
• Optional Income Protection rider

Space is limited.Reserve your Webinar seat now at:https://www1.gotomeeting.com/register/744808361

Winner!

MVP Partners Jim Chrisler (St. Charles), Dawn Nelson (Madison) and Mary Lou Paul (Glenview) attended the National Association of Independent Life Brokerage Agencies annual meeting in Arizona last month.

While they were there, Mary Lou was the lucky winner of an iPad2 from American General and our business solutions partner Ebix Exchange.

Are you mobile in your business yet? Contact any MVP Representative to find out how you can maximize your sales and help your clients more in 2012 with mobile applications for smart phones and tablets.