Sales Concept:

Annuity Maximization

Annuity maximization is a leveraging technique in which annuity assets1 are used to purchase life insurance. The goal is to provide a greater death benefit for beneficiaries. Though annuities may be an excellent tax deferred growth vehicle2 they are not generally designed to transfer wealth. Life insurance may be an ideal wealth transfer solution for your clients.

Annuity Maximization: Consumer video

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Universal Life Insurance Reference Guide
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1. Removing funds from an annuity may result in surrender charges and/or income taxes. 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.


2. 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 this policy, your client should obtain competent tax advice both as to the tax treatment of the policy and the suitability of the product.


Sammons FinancialSM is the marketing name for Sammons® Financial Group, Inc.’s member companies, including Midland National® Life Insurance Company. Annuities and life insurance are issued by, and product guarantees are solely the responsibility of, Midland National Life Insurance Company.


FOR AGENT USE ONLY. NOT TO BE USED FOR CONSUMER SOLICITATION PURPOSES.

917MW‑4

FOR AGENT USE ONLY. NOT TO BE USED FOR CONSUMER SOLICITATION PURPOSES.

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