Are you a PILLAR in Your Community?

The PILLAR System Playbook Library of Resources

Top producers consistently have one advantage the average agents don’t: they all have a system. Do you have one?

You don’t want to miss what other top agents started experiencing on December 4, when they gained access to expert guidance and exclusive tools with Partners Advantage’s PILLAR Playbook. It is bringing fresh ideas in prospecting and fact-finding that excites clients, drive sales, and helps bring your business to a whole new level. Best of all, you’ll have access to a huge library of 2-8 minute videos which gives you quick-hit tips you can apply from day one.

What is PILLAR?
Partners In Life, Long-Term Care, And Retirement

The PILLAR System was created by Partners Advantage and reflects dozens of years' experience and countless hours in the field with leading agents, The PILLAR System is a proven marketing, sales, and client fulfillment program for growing and thriving in the new era of insurance.

We believe it’s unlike any training and seminar program in the industry. Our approach broadens product confidence, details marketing, sales, client processes, and teaches a results-transforming shift in perspective we call, The Seven-Figure Mindset. The PILLAR Playbook takes it a step forward and provides agent additional access to tools and guidance that help them stay up on top.

If you are interested in enrolling in The PILLAR System and would like access to the PILLAR Playbook, you can enroll at www.thepillarsystem.com or contact us at 888-251-5525, Ext. 700.

For financial professional use only. Not to be used for consumer solicitation purposes.

Becoming a member of The PILLAR System may be dependent on various factors including but not limited to production requirement and "PILLAR" carrier contracts placed with Partners Advantage Insurance Services, LLC. Partners Advantage Insurance Services, LLC reserves the right to change the requirements of the PILLAR System at their discretion. Results may vary, this communication does not constitute an offer or guarantee. Participating agents will need to be properly licensed and may be subject to screening. Participating agents must adhere to all federal and state compliance and market conduct standards. Additional terms and conditions to be set forth in an agent agreement between Partners Advantage Insurance Services, LLC and the agent. 

All rights reserved, trademark pending.

Importance of Retirement Income Planning Strategies

Help Prospects and Clients Plan Ahead – Help your prospects/clients with a financial strategy that will help them not outlive their savings.

As more companies do away with defined benefit pension plans, the responsibility is left on individuals to ensure that they have enough income saved for retirement. The issue is many people don’t realize the importance of developing a financial strategy now or understand what needs to be done. Many may fear outliving their savings, but other threats to both long- and short-term retirement income can include:

• Market uncertainty
• Inflation
• Medical expenses

This is where financial professionals can step in and showcase the importance of preparing for retirement. They can suggest the most suitable products for each individual, as everyone has a different situation with different goals. They can help clients realize possible risks, especially longevity, as living to an older age means that these risks must be managed for a longer period of time. Because of this, many consumers have considered income producing products, as these insurance vehicles can allow them a guaranteed* incoming cash flow, oftentimes without regard to market performance, or even surrounding economic issues. This has led to interest in deferred income annuities (DIAs), fixed indexed annuities (FIAs), and single premium immediate annuities (SPIAs).

Some of the clients that these products may be well suited for can include those who:

• Are seeking to compliment other income sources such as Social Security
• Do not have any type of guaranteed* income or defined benefit pension plan in place
• Are risk-averse and are seeking to protect the premium
• Are looking for a way to convert large sums of cash from retirement plans into immediate income

Although all clients’ situations are unique, the benefits that are offered through these products can cover a variety of different needs. If you do not offer these vehicles as a supplement to a retirement plan, it is possible that you might be leaving the door open for clients to go elsewhere to take care of their retirement income needs. Becoming familiar with how FIAs, DIAs and SPIAs can provide growth and protection of premium to a client’s portfolio, you build trust and strengthen that client relationship to hopefully last a lifetime.

Also, the clients, who plan for retirement and are able to maintain their standard of living during retirement, have assets for times they may need them, and have the potential to accumulate wealth through different means of retirement savings. But it starts with financial professionals sharing the importance of retirement income planning.

Do you have an organization with experienced professionals that can help you grow your business on your side? Experience the advantage with Partners Advantage.

Want to learn more? Call the Partners Advantage Annuity Brokerage Team for more information and complete product assistance: 888-251-5525, Ext. 700

* Guarantees are backed by the financial strength and claims-paying ability of the issuing company. Annuities are designed to meet long-term needs for retirement income. They provide guarantees against the loss of premium and credited interest, and the reassurance of a death benefit for beneficiaries. Any distributions may be subject to ordinary income tax and, if taken prior to age 59½, an additional 10% federal tax. Early withdrawals may result in loss of principal and credited interest due to surrender charges.

Partners Advantage Insurance Services and its representatives do not give legal or tax advice. Consult your tax advisor or attorney for legal or tax advice.

A fixed indexed annuity can provide annuitization as a means to provide retirement income payments. An alternative option to annuitization could be the purchase of an optional lifetime income rider, a benefit for which an annual premium is charged.

Please note that in order to provide a recommendation to a client about the liquidation of a securities product, including those within an IRA, 401(k) or other retirement plan, to purchase a fixed or variable annuity or for other similar purposes, you must hold the proper securities registration and be currently affiliated with a broker/dealer or registered investment adviser. If you are unsure whether or not the information you are providing to a client represents general guidance or a specific recommendation to liquidate a security, please contact the individual state securities department in the states in which you conduct business.

FOR FINANCIAL PROFESSIONAL USE ONLY. NOT FOR USE WITH CONSUMERS.

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Set the Record Straight about Long-Term Care Protection

When it comes to long-term care (LTC), your clients might not know where the facts end and the myths begin. You can help set the record straight.

More people today will need LTC services at home, in assisted living or in a nursing home — and the cost for care is on the rise. Yet too often, they stop short of preparing for real future needs because they’re confused by the myths of LTC products and services.

Have your clients confused facts with fiction on the subject of LTC? The myths are many:

• “A government program will take care of me.”
• “I already have health insurance.”
• “LTC protection is for nursing home care only.”
• “I can’t afford LTC protection.”
• “LTC is only for old people.”
• “We don’t need protection — we have each other.”
• “I can save the money I need for LTC.”

With OneAmerica® Care Solutions, we put the myths to rest with solutions your clients can use to help protect themselves, the ones they love and their retirement future.

Help your clients uncover the truth about LTC protection with OneAmerica Care Solutions. Start today with training resources and sales tools!

The Myths of LTC consumer campaign includes a variety of consumer marketing materials at your fingertips. Contact the Partners Advantage Marketing Team for more information: 888-251-5525, Ext. 138.

Not a deposit • Not FDIC or NCUSIF insured • Not guaranteed by the institution • Not insured by any federal government agency • May go down in value

OneAmerica is the marketing name for The State Life insurance Company® (State Life), offering the Care Solutions product suite.

Notes: Products are issued and underwritten by The State Life Insurance Company® (State Life), Indianapolis, IN, a OneAmerica company that offers the Care Solutions product suite. Asset-Care form numbers: L301, R501 and SA31; Annuity Care and Annuity Care II form numbers: SA34, R508; SA35; Indexed Annuity Care form numbers: SA36, R529 PPA, R529, R530 PPA and R530. Not available in all states or may vary by state. All guarantees are subject to the claims-paying ability of State Life.

For use with financial professionals only. Not for public distribution.

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Your Clients' Income Gap Is Your Income Gap

We’re excited to announce a new turn-key social media campaign to educate consumers on the importance of retirement income planning strategy. This campaign includes approved content including articles, videos and images! Courtesy of OneAmerica®.

Contact Partners Advantage Brokerage Team at 888-251-5525, Ext. 700 to learn more on how to access these resources to help educate your clients.

Now is a good time to have this conversation with your clients!
The great retirement income gap happens when individuals’ or couples’ retirement income needs drastically change — unexpectedly — and their expenses suddenly exceed their budget. It’s possible your clients will experience this if they have a chronic health condition or physical disability requiring long-term care (LTC) services in retirement.

If your clients aren’t prepared for this retirement income gap, they’ll likely have to spend  down their assets much quicker than planned. Have you thought about how this would affect your business?




For use with financial professional use only. Not for public distribution.

OneAmerica® is the marketing name for the companies of OneAmerica.

Partners Advantage Brokerage is not an affiliate of the companies of OneAmerica.

Underwriting: Battle of the Superheroes

By Lisa Morris, VP of Underwriting and Development at Partners Advantage

As an advocate for the client and agent, many times I’ve been faced with that old inquiry, “Can they qualify for preferred at another carrier?” My answer has always been….it depends. Just as underwriters are different, rates at carriers are even more different. What it all boils down to is, “Do you want to pay less or be called something different?” Often times, an agent/producer will inquire about a rate class before running an illustration to determine if that new rate class will result in an improved premium. Essentially, applicants want the best rate or most bang for their buck, and being called a better assessment doesn’t always meet that requirement as Carrier A at standard may end up being cheaper than preferred at Carrier B. So my advice is to always run the illustration and have that conversation with your client. If initially they wanted to be Superman, they may just realize that being Batman has its perks as well. 

Don't forget to get your copy of the "4 Steps to an Effective Cover Letter for Life Insurance Applications" by VP of Underwriting and Development, Lisa “Lee” Morris. 



Do you have an underwriter with experience on your side? Partners Advantage can help. Contact Lisa “Lee” Morris at 888-251-5525, Ext. 199 or email lmorris@partnersadvantage.com to learn how our in-house Underwriting Department can provide insights to help your cases find more green lights.




For use with financial professional only. Not for public distribution.

This blog is designed to provide general information about the subject matter covered. Partners Advantage Insurance Services and their representatives do not give tax or legal advice. The material in this blog is provided for informational purposes only and should not be construed as tax or legal advice. Guarantees and benefits are based on the claims-paying ability of the issuing insurance company. Keep in mind that most life insurance policies require health underwriting and, in some cases, financial underwriting. Each case is individually underwritten as the severity of medical conditions varies among individuals. Formal underwriting evaluation and pricing is based on the individual characteristics of each case.

Partners Advantage Insurance Services and their representatives do not give tax or legal advice. The material in this article is provided for informational purposes only and should not be construed as tax or legal advice. Guarantees and benefits are based on the claims-paying ability of the issuing insurance company. Keep in mind that most life insurance policies require health underwriting and, in some cases, financial underwriting.

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Importance of Sharing Retirement Awareness

The vision of retirement is laid-back days spent relaxing, enjoying hobbies, traveling, and being with family and friends. The problem is many people don’t properly plan for retirement and aren’t aware of how much should be saved. They then end up working much longer or having to pick up another job just to make ends meet. 

No longer is it the responsibility of the employer to provide a retirement strategy and it’s landing largely on the consumer. This is where a financial professional can provide guidance and show a variety of options for helping build a stable financial future for their client. 

There isn’t a one-size fits all retirement income planning strategy. The financial professional needs to take time to understand their client and find options that are helpful for that particular client. For instance, fixed indexed annuities aren’t suited for everyone, but they may be a good fit for those who:

• Seek to complement other income sources, such as Social Security
• Are looking to protect premium, while also seeking potential market indexed growth
• Don’t already have a type of defined benefit pension plan or guaranteed* lifetime income in place
• Flexibility is desired in order to be adaptable to changing needs

Most of all, it’s essential to help your client understand the importance of retirement income planning strategies. Then, while sharing retirement options, make sure to inform each client about all aspects of the solution being presented before they make a purchase. Helping them make informed decisions about their future now is important, so they can actually have the ability to enjoy the hard-earned days of retirement later.

Do you have an organization with experienced professionals that can help you grow your business on your side? Experience the advantage with Partners Advantage. 

Want to learn more? Contact our Partners Advantage Brokerage Team at 888-251-5525, Ext.700.

FOR FINANCIAL PROFESSIONAL USE ONLY. NOT FOR USE WITH CONSUMERS.

*Guarantees provided by annuities are subject to the financial strength of the issuing insurance company; not guaranteed by any bank of the FDIC. A fixed indexed annuity can provide annuitization as a means to provide retirement income payments. An alternative option to annuitization could be the purchase of an optional lifetime income rider, a benefit for which an annual premium is charged.

Annuities are designed to meet long-term needs for retirement income. They provide guarantees against the loss of principal and credited interest, and the reassurance of a death benefit for beneficiaries. Please note that in order to provide a recommendation to a client about the transfer of funds from an investment product to a fixed insurance or annuity, you must hold the proper securities registration and be currently affiliated with a broker/dealer.  If you are unsure whether or not the information you are providing to a client represents general guidance or a specific recommendation to liquidate a security, please contact the individual state securities department in the states in which you conduct business.

This article is intended for educational purposes only and is not intended to serve as the basis for any investment or purchasing decision. Partners Advantage Insurance Services and their representatives do not give tax or legal advice. Accordingly, any tax information provided is not intended or written to be used, and cannot be used, by any taxpayer for the purpose of avoiding penalties that may be imposed on the taxpayer. Encourage your clients to consult their tax advisor or attorney.

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Underwriting: Commercial or Private?

By Lisa Morris, VP of Underwriting and Development at Partners Advantage

Aviation consideration can fly in many directions (pun intended). However, the basis of consideration rests on experience and safety standards. Private pilots that are adequately trained and fly enough to stay abreast of the activity have greater opportunities at preferred consideration. Also, commercial pilots who fly on a schedule or if non-scheduled but have the same safety standards as scheduled flights, can also be considered at preferred. Well, what can cause a rating? The most popular areas that result in ratings involve the following:

1. Not flying enough per year (not familiar enough)
2. Flying too much per year (increased chance of accidents)
3. Hazardous activity such as helicopter flying, fire/emergency flying or air traffic control
4. Experimental or Acrobat flying

In addition, a person’s medical history can affect aviation assessment. In this case, consideration of an aviation exclusion can be utilized. However, remember that a claim may be questioned if the applicant crashed due to an infarct (heart attack) while flying. In other words, you’d be faced with the infamous struggle of who came first, the chicken or the egg? Or in an aviation case, which came first, the crash or the infarct. 

Do you have an underwriter with experience on your side? Partners Advantage can help. Contact Lisa “Lee” Morris at 888-251-5525, Ext. 199 or email lmorris@partnersadvantage.com.

Fly High my Friends!

For use with financial professional only. Not for public distribution.

Partners Advantage Insurance Services and their representatives do not give tax or legal advice. The material in this blog is provided for informational purposes only and should not be construed as tax, legal or underwriting advice. Additionally, the information presented here does not consider the impact of applicable state laws upon clients and prospects.

Guarantees and benefits are based on the claims-paying ability of the issuing insurance company. Keep in mind that most life insurance policies require health underwriting and, in some cases, financial underwriting. Each case is individually underwritten as the severity of medical conditions varies among individuals. Formal underwriting evaluation and pricing is based on the individual characteristics of each case.

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A Possible Solution For Your Clients’ “Rainy Day” Funds

While many people have a “rainy day” fund, a lot of times it can be in a form of a savings or checking account at the local bank. The question becomes what will this money be used for? Vacation, second home, charity, etc. We as insurance professionals, should review our clients’ portfolio to make sure they have enough protection in case of death and/or health issues. Let’s take Jack and Diane for an example:

"Jack and Diane are your typical retirees. They worked hard their entire lives, saved, and addressed the obstacles to an enjoyable retirement – except one. Jake and Diane have not prepared for the risk of needing long-term care. Should LTC become a reality, they have decided that bank type accounts or non-qualified assets they own, could be an alternative option to help pay for LTC expenses in the future. They have made the decision to be “self-funded.”

The issue with self-funding LTC comes with its high price tag. Jack and Diane, in all likelihood do not have enough to pay these costs. Whether it’s just Jack needing care or possibly both needing care in the future, there needs to be something rather than nothing to help cover costs. A combination of life insurance + LTC and annuity + LTC benefits offering a potentially valuable, and often overlooked retirement tool which can offer opportunity for insurance professionals to help prepare clients for retirement concerns such as:

• Living a long life
• Covering LTC costs
• Helping with asset accumulation
• Assisting with wealth transfer

These contracts also offer:

• Premiums that never increase*
• Benefits even if LTC is never used
• Flexibility of either a single or two-person contract

Asset-based long-term care policies work by leveraging existing assets to help pay for LTC expenses when needed or offering the flexibility of passing the asset to a named beneficiary, family or charity as a death benefit. Consider these products as part of your clients’ overall financial strategy.

For assistance regarding asset-based long-term care products contact the Partners Advantage Brokerage Tea at 888-251-5525, Ext. 700.

For financial professional use only. Not for public distribution.

As your clients' personal situations change (i.e., marriage, birth of a child or job promotion), so will their life insurance and retirement income needs. 

Care should be taken to ensure these products are suitable for their individual needs. They should weigh any associated costs before making a purchase. 
Life insurance has fees and charges associated with it that include costs of insurance that vary with such characteristics of the insured as sex, health and age, and has additional charges for riders that customize a policy to fit their individual needs. 

* Riders are additional features that may be available with some insurance products, are generally optional and could come with additional costs. Life insurance and annuity policies and/or associated riders and features may not be available in all states, and policy terms and conditions may vary by state.

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A Training and Networking Event You Want to Be A Part Of

The PILLAR Boot Camp is Coming to Atlanta, GA and Fort Lauderdale, FL!

The PILLAR Boot Camp arrives in two East Coast cities on October 4 and 5, 2017 and will introduce a complete sales, marketing, and seminar program called The PILLAR System. Join the hundreds of agents who have attended this exciting event and transformed their career by applying The PILLAR System tools and techniques.

The PILLAR Boot Camp you will show you how to:

• Fill seats and conduct a client seminar (This is a mock presentation of a client seminar)
• Generate more prospective clients
• Shift your thinking to the Seven-Figure Mindset
• Thrive in the new era of insurance

Where education meets innovation - you won't want to miss this exclusive event!

Register for October 4 — Atlanta, GA Boot Camp

Register for October 5 — Fort Lauderdale, FL Boot Camp

Questions? Contact the Partners Advantage Brokerage Team at 888-251-5525, Ext. 700

Learn more about The PILLAR System at

thepillarsystem.com

For financial professional use only. Not to be used for consumer solicitation purposes.

Becoming a member of The PILLAR System may be dependent on various factors including but not limited to production requirement and PILLAR carrier contracts placed with Partners Advantage Insurance Services, LLC.

Partners Advantage Insurance Services, LLC reserves the right to change the requirements of the PILLAR System at their discretion. Results may vary, this communication does not constitute an offer or guarantee. Participating agents will need to be properly licensed and may be subject to screening. Participating agents must adhere to all federal and state compliance and market conduct standards. Additional terms and conditions to be set forth in an agent agreement between Partners Advantage Insurance Services, LLC and the agent. 

All rights reserved, trademark pending.

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Underwriters Are Not Machines

By Lisa Morris, VP of Underwriting and Development at Partners Advantage

Did you know that Underwriters are normal people? OF COURSE! Although their responsibility is to make a scientific assessment in accordance with the manual, just like normal people, their assessment is based on a number of things that have nothing to do with science. First, an underwriter who is not familiar with a certain condition will err on the side of caution based on those limitations. On the contrary, the more familiar an underwriter is with a condition, the easier it is to implore more assumptions about the risk. Second, underwriters have emotions and just like anyone on any job, it could be a “good day” or a “bad day” and that even crosses over in our careers (yep….everyone is guilty of this at one time or another!) 

I like to compare underwriting assessment to driving. A more experienced driver can deviate from the “10 and 2” wheel handling while a lesser experienced driver will follow ALL rules and guidelines to the letter. So let Partners Advantage Underwriting be your guide to pre-assessments and recommendations. Not only do we know who the good drivers are on which road, but also which driver would be a good fit per clients' individual needs, which is helpful in avoiding your client being stuck in a ditch!

Do you have an underwriter with experience on your side? Partners Advantage can help. Contact Lisa “Lee” Morris at 888-251-5525, Ext. 199 or email lmorris@partnersadvantage.com.

Happy Underwriting!

For use with financial professional only. Not for public distribution.

This blog is designed to provide general information about the subject matter covered. Partners Advantage Insurance Services and their representatives do not give tax or legal advice. The material in this blog is provided for informational purposes only and should not be construed as tax or legal advice. Guarantees and benefits are based on the claims-paying ability of the issuing insurance company.  Keep in mind that most life insurance policies require health underwriting and, in some cases, financial underwriting. Each case is individually underwritten as the severity of medical conditions varies among individuals. Formal underwriting evaluation and pricing is based on the individual characteristics of each case.

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Tools and Resources for Life Insurance Awareness Month

For us in the insurance industry, Life Insurance Awareness Month is every month. In the month of September, Life Happens coordinates Life Insurance Awareness Month, an industry-wide campaign aimed at educating Americans about the importance of life insurance and helping them get the coverage they need.

Have you helped bring awareness to your prospects/clients on the importance of life insurance?

While many Americans recognize that it is important to protect loved ones with life insurance, far too many lack adequate coverage. Throughout September, Partners Advantage will be distributing weekly emails to our agents with client approved resources. Your #1 asset is your client base, so help ensure that they are covered today. Be their helping hand and provide them with the guidance they need in reinforcing the importance of life insurance. Don’t let life insurance get lost in the shuffle of their daily life.

This is a great time to educate your clients and prospects, and our materials can help.

Want to learn more? Contact your Partners Advantage Brokerage Team

at 888-251-5525, Ext. 700.

For use with financial professional only. Not for public distribution.

This information is designed to provide general information on the subjects covered. It is not, however, intended to provide specific legal or tax advice and cannot be used to avoid tax penalties or to promote, market, or recommend any tax plan or arrangement. Please note that Partners Advantage, it's affiliated companies, and their representatives and employees do not give legal or tax advice. You are encouraged to consult your tax advisor or attorney.

Keep in mind that most life insurance policies require health underwriting and, in some cases, financial underwriting. Optional riders are generally available at an additional cost.


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Planning for College Costs While Preserving the Retirement Nest Egg

By: Bill Jackson J.D., CLU®, Sr. Advanced Markets Consultant at Partners Advantage Insurance Services, LLC

Currently college costs are substantial enough to have the potential to compromise the parent’s retirement plans or produce burdensome debt for the college student. The costs can range from $100,000 for some local state supported universities to $280,000 for many prestigious private schools. Most parents with pre college age students range in age from 40 to 60 years old. They are concerned with how much college will cost. They are unsure of how much government aid they will receive. Some have set money aside in a 529 plan, State tax free college bonds, or a prepaid tuition plan. Many have done little planning.

Determining college costs is easier than in the past. There a number on online calculators which are even college specific and that can pin down the cost for the student’s intended school. These calculators also have the ability to consider the effect of inflation on costs for students with a number of years before they reach college age.

Families that need help with college planning typically fall into two categories. Families that have five or ten years to plan and families whose children are on the doorstep of entering college. Each of these situations requires a different financial approach.

For younger families there are few assets that have the flexibility and tax advantages of cash value life insurance. All of the alternatives mentioned before have limitations on when and for what purpose the money can be used. The cash value of life insurance can be used at any time for any purpose even if the student does not decide to go to a university.

This is a typical example and summary of college costs and timing for a younger family. State: CA, Husband age 53,Spouse age 49, Son age 12, Daughter age 10.The family’s desire is to send both to a four year college in CA (public) They would like to have the cash to do this and a protective element in case one or both spouses die early. Projected yearly costs:

Wife	Husband	Son	Daughter	Pomona	Long Beach	Yearly Total
49	53	12	10
50	54	13	11
51	55	14	12
52	56	15	13
53	57	16	14
54	58	17	15
55	59	18	16	31725		31725
56	60	19	17	32677		32677
57	61	20	18	33658	28840	62498
58	62	21	19	34667	29705	64372
59	63	22	20		30596	30596
60	64	23	21		31514	31514
61	65	24	22
62	66	25	23

http://www.finaid.org/calculators/scripts/costprojector.cgi, http://money.cnn.com/tools/collegecost/collegecost.html

This sample illustration shows how a well-designed Indexed Universal Life policy can in just six years develop enough tax free income to complete both students higher education. Most importantly the solution is self-completing, meaning that even if the insured breadwinner dies early the tax free funds are available to complete the plan.

Information provided by Allianz Life Insurance Company of North America. Both loans and withdrawals from a permanent life insurance policy may be subject to penalties and fees and, along with any accrued loan interest, will reduce the policy's account value and death benefit.

The just in time family has very different objectives. They have already accumulated assets. The husband and wife are in their 50’s their daughter is 17.  Their primary concern is securing government support for daughter’s education. They have $750,000 in various banks and assets. Their daughter would like to attend UCLA. They will need some of this cash to be liquid to cover costs over and above grants and scholarships.  

With their current asset positioning the family will not qualify for financial aid. When they complete the FAFSA form to apply for support they will need to declare the $750,000. Assets in life insurance are not included for FAFSA so the family could qualify for aid if the assets were repositioned into a life insurance policy. The following example illustrates the potential for growth, liquidity, and tax efficiency of this solution.

Information provided by North American Company for Life and Health. This is a Modified Endowment Contract, loans and distributions are subject to tax and penalties if the client is under age 59 1/2.

Permanent life insurance is not only a great cash accumulation vehicle for college planning. It is also a great way to reposition assets to provide a competitive return, tax deferred growth, and exclusion FAFSA consideration. These factors taken together can help consumers college planning and retirement outcomes.

Call Bill Jackson J.D. CLU, Senior Advanced Markets Consultant if you have a case you would like to discuss or would like added information on: 888-251-5525, ext. 361.

For financial professional use only. Not for use with consumers.

This material is intended to provide general information only. It is not intended to render legal, accounting, Social Security or tax advice, and the services of those professionals should be sought. Financial professionals who utilize this material may be able to identify potential retirement income gaps and introduce products, such as fixed annuities, as potential solutions. The testimonial may not be representative of the experience of other financial professionals and is no guarantee of future success.

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