|
The Producers Group’s Concepts & Solutions are at the core of the value proposition offered to our producers. We help you achieve case design excellence and top-notch results through the quality and reliability of our concepts and our commitment to helping you find practical solutions.
Take a moment to go through the concepts. Should you have questions about any of them or how they apply to a case you are working call Life Sales at 800-441-0140 or email.
Opportunity Concepts:
 Controlled SubmissionSM
Our Controlled SubmissionSM underwriting process is powered by a unique blend of Senior Underwriting Advisors and Case Managers.
Policy Loan Rescue Opportunities
A common problem of policies that have been in force for a number of years is the accumulations of loans, often times significant. Take a look at a potential solution.
SBLI Life Stages Term
One important decision always leads to another. That's life. Let SBLI be your term life insurance of choice.
Business & Executive Benefit Planning:
Buy Sell Agreement Comparisons 1108
The basic Buy-Sell agreement types are Cross Purchase, Entity Purchase and Wait and See. It is helpful to understand the basic features of each type.
Captive Insurance Company Formation
Most business owners fail to recognize that they already self-insure a large amount of risk. Captives fill gaps in insurance coverage where the conventional insurance market either cannot provide coverage, or where the cost is considered economically prohibitive.
ESOPs Provide a Tax-Favored Exit Strategy for Business Owners 0209
Discusses how an ESOP can provide a tax favored exit strategy for business owners.
ESOP Repurchase Obligation Funding 0509
Repurchase obligation is the liability a company incurs when vested terminated participants are entitled to receive distributions from an ESOP and request payment of cash for the shares that are held in an account for their benefit.
Estate Equalization 0209
Business assets may compromise the majority of assets in an estate. The owners will want to determine the amount needed to equalize the business and non-business assets they want to leave to their heirs.
Estate Planning Fact Finder 1108
Having your clients provide you with the following details can help you tailor a plan allowing them to distribute their assets consistent with their wishes.
Executive Bonus Plus Plan 0210
Business owners want a simple, yet effective, way to recruit, reward and retain key employees. The nonqualified plan is tax deductible to the employers and easy to administer.
Executive Nonqualified DB Plan 0210
Help key employees create a solid retirement path with a nonqualified executive benefit program.
Executive Nonqualified Excess Plan 0709
Qualified employee benefit program limitations make it difficult for highly compensated employees to adequately save for retirement.
Financing Strategies for Survivorship Life owned by an ILIT 0109
The various options for funding survivorship life inside a grantor trust.
GRAT as a Split Dollar Rollout Strategy 1209
Illustrates how to use a grantor retained annuity trust (GRAT) to provide funds to help rollout a split dollar arrangement.
Introducing Tipping Points
A turnkey multimedia Point Of Sale and seminar package, made up of a series of stories portraying crucial decision points in the life of a closely held business. Tipping Points® prompts owners to discuss solutions to assess their own risks.
http://www.prudentialtippingpoints.com/
IRA Exchange Protecting Your Legacy1108
A tax-efficient program that provides the opportunity to help your clients’ beneficiaries avoid the income and estate tax problems of qualified money.
Irrevocable Life Insurance Trust Review Trustee Checklist 1109
Like any financial tool, an ILIT needs to be reviewed periodically to make sure it performs as originally intended.
Multi Owner Buy-Out Strategy 0609
Provide the vital liquidity necessary to owners departing a business while protecting the viability of the business for the younger owners.
Plans for Key Employees of Tax-Exempt Organizations 0610
When determining their future employment strategy, an important consideration for highly compensated employees is a prospective employer’s comprehensive benefit package.
Private Split Dollar Schematic 1108
A private split dollar strategy that allows for maximum use of available gift tax annual exclusions.
REBAs Provide Employers with Gold Handcuff Opportunities 0810
Shows how a REBA can be used to attract and retain key executives.
Resolving the Problem of Business Evaluation 0309
There are many instances when the value of business assets is needed. We can help you review some of the commonly used methods and determine a plan of action.
ROP Term & Executive Bonus 0310
Using the Return of Premium Term product in an executive bonus arrangement.
Select Reward Program 1109
Retaining select employees is a key concern for most growing business owners. This plan allows you to address multiple business needs with one financial solution.
Three Needs – One Policy: Key Person, Split Dollar & Deferred Compensation 0810
Explains how an endorsement split dollar arrangement can be used to address three business needs: business key person coverage, pre-retirement employee death benefit, and non-qualified deferred compensation.
Using VUL to Solve Personal Needs 0708
Using VUL as additional death benefit protection and a coordinated accumulation strategy to meet personal goals.
Using VUL to Solve Multiple Needs 0708
Using VUL to help solve business and personal financial goals.
Ways to Minimize Transfer Taxes 0709
Methods that are used to minimize the estate taxes that are levied against an individual’s estate at death.
Who Buys VUL and Why 0710
VUL can be used to solve both business and personal needs. Take a look at the people that purchase VUL insurance and how they take advantage of its unique features in order to solve their needs.
Estate Planning/Wealth Protection:
Business Life Insurance at a Glance
Plans, goals and strategies and the forms of business entities that can use each plan.
Estate Equalization 0209
Business assets may compromise the majority of assets in an estate. The owners will want to determine the amount needed to equalize the business and non-business assets they want to leave to their heirs.
Estate Equalization Using Life Insurance fore Heirs of a Business Owner 1209
How to use life insurance to equalize a buy-sell arrangement where a business is to pass to one family member and there is a desire to treat non-business family members equally.
Estate Planning Fact Finder 1108
Having your clients provide you with the following details can help you tailor a plan allowing them to distribute their assets consistent with their wishes.
Estate Tax Repeal Hedge Plan 1209
How to over come the concern of the estate tax repeal legislation by using the Prudential convertible term insurance policy which can be changed to a survivorship policy.
Financing Strategies for Survivorship Life owned by an ILIT 0109
The various options for funding survivorship life inside a grantor trust.
How to Avoid the 3-Yr Rule on a Transfer of an Existing Life Insurance to an ILIT 1209
How a client can avoid the 3 year rule on a transfer of a policy he/she owns on his/her life.
IRA Exchange Protecting Your Legacy1108
A tax-efficient program that provides the opportunity to help your clients’ beneficiaries avoid the income and estate tax problems of qualified money.
Irrevocable Life Insurance Trust Review Trustee Checklist 1109
Like any financial tool, an ILIT needs to be reviewed periodically to make sure it performs as originally intended.
Life Insurance as an Alternative to a QDOT for Noncitizen Spouses 0710
How life insurance can be a viable alternative to a Qualified Domestic Trust (QDOT) for noncitizen spouses and provides a list of questions to consider when reviewing client's estate plans
Private Financing: Funding Solutions that Stand the Test of Time
How you can help your clients fund their ILITs without being overwhelmed by gift taxes.
Private Survivorship Split Dollar Arrangement 1109
How private survivorship split dollar can be used to minimize the gift of premiums to an ILIT and achieve extraordinary gift tax leverage.
ROP Term & Divorce Planning 1009
The advantages of using ROP Term to provide the life insurance often required in divorces including the possible tax-free refund of premiums paid at the end of the level-term period.
“Stretch” IRAs and Life Insurance 1008
The benefits of combining life insurance with "stretching" qualified plan distributions over multiple generations.
Survivorship Standby Trust – Case Profile 1209
General description of the type of prospect that might have an interest in the standby trust concept.
Private Split Dollar Schematic 1108
A private split dollar strategy that allows for maximum use of available gift tax annual exclusions.
Using VUL to Solve Personal Needs 0708
Using VUL as additional death benefit protection and a coordinated accumulation strategy to meet personal goals.
Ways to Minimize Transfer Taxes 0709
Methods that are used to minimize the estate taxes that are levied against an individual’s estate at death.
What is an Enhanced Charitable Trust
Possibly the right strategy for your large taxable lump-sum allowing you to contribute to a worthy cause, take a sizeable income tax deduction and provide peace of mine to your family.
Who Buys VUL and Why 0710
VUL can be used to solve both business and personal needs. Take a look at the people that purchase VUL insurance and how they take advantage of its unique features in order to solve their needs.
|
