RETIREMENT PLANNING TOOLKIT

While people don’t always think of life insurance as a potential piece of their retirement plan, they are often surprised to hear that a product used for death benefit protection can also be a helpful way to provide for retirement needs.  Have you talked to a client lately about how permanent life insurance’s cash value growth potential could be used as a generally tax-free way to help supplement income in their retirement years1? Here are some resources to help you get the ball rolling. 

 

Just hover over the boxes below. 

Opportunity Tracker

 

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Identify the Right Client

Who might be interested in a evaluating their retirement options? Use this helpful tool to I.D. this future retiree.

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Sales Idea

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Know the Concept

Still need a little guidance on this sales idea? Like a good policy, we’ve got you covered.

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Consumer Brochure

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Know the Concept

Get an in depth look at how this concept works with this informative brochure. 

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Consumer Video

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Find the Right Solution

Watch this concept in action in this educational video. 

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XL-CV4
(Indexed Universal Life-Cash Value 4)

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Find the Right Solution

A long-term cash value product, this is particularly a good fit for clients in the retirement planning market. 

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Living Benefits
 

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Bonus Feature

The unexpected can and does happen. Don’t forget to help your clients plan for the unknown by sharing how living benefits may help

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Questions? Contact Sales Support:

800-843-3316 ext. 32150

1. The tax-deferred feature of the indexed universal life policy is not necessary for a tax-qualified plan. In such instances, your client should consider whether other features, such as the death benefit and optional riders make the policy appropriate for your client’s needs. Before purchasing a policy, our client should obtain competent tax advice both as to the tax treatment of the policy and the suitability of the product. Neither Midland National nor its agents give tax advice. Please advise your customers to consult with and rely on a qualified legal or tax advisor before entering into or paying additional premiums with respect to such arrangements.

 

Agents offering, marketing, or selling accelerated death benefits for chronic illness in California must be able to describe the differences between benefits provided under an accelerated death benefit for chronic illness and benefits provided under long-term care insurance to clients. You must provide clients with the ADBE Consumer Brochure for California Form 20501 that includes this comparison.

 

XL-CV4 (policy form series L140) and Accelerated Benefit Endorsement for Critical, Chronic and Terminal Illness (form series TR169) and Accelerated Death Benefit - Chronic Illness, (form TR193, CA only) are issued by Midland National Life Insurance Company, Administrative Office, Sioux Falls, SD. Products, features, riders, endorsements or issue ages may not be available in all jurisdictions. Limitations or restrictions may apply.

 

 

23100-11 FOR AGENT USE ONLY. NOT TO BE USED FOR CONSUMER SOLICITATION PURPOSES. 12-15

©2017 Midland National Life Insurance Company. All rights reserved.