Life Concepts Tree
Life Concepts Tree
Life Concepts Tree
Life Concepts Tree
Life Concepts Tree
Life Concepts Tree
Life Concepts Tree
Life Concepts Tree
Life Concepts Tree
Life Concepts Tree
Life Concepts Tree
Life Concepts Tree
Life Concepts Tree
Life Concepts Tree
Life Concepts Tree
Life Concepts Tree
Life Concepts Tree
Life Concepts Tree
Life Concepts Tree
Life Concepts Tree
Life Concepts Tree
Life Concepts Tree
Life Concepts Tree
Life Concepts Tree
Life Concepts Tree
Life Concepts Tree
Life Concepts Tree
Life Concepts Tree
Life Concepts Tree
Life Concepts Tree
Life Concepts Tree
Life Concepts Tree
Life Concepts Tree
Life Concepts Tree
Life Concepts Tree
Life Concepts Tree
Life Concepts Tree
Life Concepts Tree
Life Concepts Tree
Life Concepts Tree
Life Concepts Tree
Life Concepts Tree
Life Concepts Tree
Life Concepts Tree
Find the roots of your clients' legacy planning needs
Clients can have a variety of financial needs depending on their stages of life. Through a series of short questions, the Life Concepts Tree helps you identify your clients’ unique needs and provides a selection of potential legacy planning solutions and supporting sales materials for download.
Answer a few questions to obtain your client solutions and sales materials.
Step 1
Select one:
- I know the best solutions for my clients
- I'm unsure of the best solutions for my clients and need some guidance
Find the roots of your clients' legacy planning needs
Step 2
My clients are interested in:
- Wealth transfer
- Business planning
Find the roots of your clients' legacy planning needs
Step 3
My clients are interested in:
- Asset repositioning / preservation
- Gifting strategies
- Client reviews
Find the roots of your clients' legacy planning needs
Step 4
My clients are interested in:
- Annuity maximization
- Leveraged credit shelter trust
- Life insurance as an asset class
- Leveraging alternative assets
Life Concepts Tree
Find the roots of your clients' legacy planning needs
Solution
Help your clients understand the federal income and estate tax impact on a deferred annuity at death, and suggest an alternative--gifting all or a portion of the current annuity's value to a trust and purchasing life insurance.
To download a document, simply click on it. To send in an email, select all desired documents and click "next."
Life Concepts Tree
Find the roots of your clients' legacy planning needs
Solution
If your married clients have significant assets, they may already know the important role an irrevocable Credit Shelter Trust (CST) can play in helping to protect and enhance their legacy for future generations. Life insurance can increase the value of your clients’ trust, allowing more assets to pass to beneficiaries.
To download a document, simply click on it. To send in an email, select all desired documents and click "next."
Life Concepts Tree
Find the roots of your clients' legacy planning needs
Solution
In times of economic uncertainty, many individuals turn to life insurance to help stabilize their investment portfolios. When used as an estate-planning tool, the life insurance policy's proceeds will often yield a more competitive rate of return compared to legacy assets held in a taxable investment.
To download a document, simply click on it. To send in an email, select all desired documents and click "next."
Life Concepts Tree
Find the roots of your clients' legacy planning needs
Solution
In the same way your clients purchase auto and homeowners insurance for protection from unexpected financial losses, life insurance can provide their beneficiaries with a predictable death benefit if something were to happen to them. Often, the policy's proceeds will yield a more competitive rate or return when compared to legacy assets held in a taxable investment.
To download a document, simply click on it. To send in an email, select all desired documents and click "next."
Find the roots of your clients' legacy planning needs
Step 4
My clients are interested in:
- Spousal lifetime access trust
- Leveraged credit shelter trust
- Life insurance as an asset class
- Leveraging alternative assets
Life Concepts Tree
Find the roots of your clients' legacy planning needs
Solution
Not only can a Spousal Lifetime Access Trust (SLAT) help minimize estate taxes—whether that's a current concern or an anticipated one—it also can provide the beneficiary spouse with the flexibility to receive discretionary lifetime income from the trust. With life insurance, the trust can provide beneficiaries with the best of both worlds: access to trust assets, plus a greater legacy enhanced by life insurance cash values and ultimately a death benefit received free of federal estate and income taxes.
To download a document, simply click on it. To send in an email, select all desired documents and click "next."
Life Concepts Tree
Find the roots of your clients' legacy planning needs
Solution
If your married clients have significant assets, they may already know the important role an irrevocable Credit Shelter Trust (CST) can play in helping to protect and enhance their legacy for future generations. Life insurance can increase the value of your clients’ trust, allowing more assets to pass to beneficiaries.
To download a document, simply click on it. To send in an email, select all desired documents and click "next."
Life Concepts Tree
Find the roots of your clients' legacy planning needs
Solution
In times of economic uncertainty, many individuals turn to life insurance to help stabilize their investment portfolios. When used as an estate-planning tool, the life insurance policy's proceeds will often yield a more competitive rate of return compared to legacy assets held in a taxable investment.
To download a document, simply click on it. To send in an email, select all desired documents and click "next."
Life Concepts Tree
Find the roots of your clients' legacy planning needs
Solution
In the same way your clients purchase auto and homeowners insurance for protection from unexpected financial losses, life insurance can provide their beneficiaries with a predictable death benefit if something were to happen to them. Often, the policy's proceeds will yield a more competitive rate or return when compared to legacy assets held in a taxable investment.
To download a document, simply click on it. To send in an email, select all desired documents and click "next."
Find the roots of your clients' legacy planning needs
Step 4
My clients are interested in:
- Life insurance policy reviews
- Trust reviews / benefits of trust planning
- Life insurance as an asset class
- Leveraging alternative assets
Life Concepts Tree
Find the roots of your clients' legacy planning needs
Solution
Change is inevitable. The dynamics of life will often require your clients to reassess their personal needs, as the things that once suited their lifestyles don’t necessarily suit them now. A routine reassessment of their life insurance needs should be no different. A policy that was appropriate for them five years ago may not be appropriate in their world today. Help your clients complete a routine life insurance policy review and make sure their existing coverage still meets their current needs.
To download a document, simply click on it. To send in an email, select all desired documents and click "next."
Life Concepts Tree
Find the roots of your clients' legacy planning needs
Solution
The American Taxpayer Relief Act of 2012 brought long-awaited clarity to estate tax rules. But while many clients will likely fall below the established exclusion amounts for estate taxes, there are still many reasons why they should consider the tax benefits of trusts funded with life insurance for their estate planning needs.
To download a document, simply click on it. To send in an email, select all desired documents and click "next."
Life Concepts Tree
Find the roots of your clients' legacy planning needs
Solution
In times of economic uncertainty, many individuals turn to life insurance to help stabilize their investment portfolios. When used as an estate-planning tool, the life insurance policy's proceeds will often yield a more competitive rate of return compared to legacy assets held in a taxable investment.
To download a document, simply click on it. To send in an email, select all desired documents and click "next."
Life Concepts Tree
Find the roots of your clients' legacy planning needs
Solution
In the same way your clients purchase auto and homeowners insurance for protection from unexpected financial losses, life insurance can provide their beneficiaries with a predictable death benefit if something were to happen to them. Often, the policy's proceeds will yield a more competitive rate or return when compared to legacy assets held in a taxable investment.
To download a document, simply click on it. To send in an email, select all desired documents and click "next."
Find the roots of your clients' legacy planning needs
Step 3
My clients are interested in:
- Executive benefits
- Business succession planning
Life Concepts Tree
Find the roots of your clients' legacy planning needs
Solution
Owners who surround themselves with high quality employees tend to have a competitive edge that takes their business to the next level. You can help your clients gain that edge by attracting and retaining their industry's top talent. By establishing an executive bonus plan with Symetra, help ensure their businesses stand out in the minds of individuals who can truly elevate them.
To download a document, simply click on it. To send in an email, select all desired documents and click "next."
Find the roots of your clients' legacy planning needs
Step 4
My clients are interested in:
- Buy-sell agreement
- Key person life insurance
Life Concepts Tree
Find the roots of your clients' legacy planning needs
Solution
With so much to think about day-to-day, many business owners don't take time to consider the importance of a proper business succession plan. Without one, the death of an owner could mean the end of the business. Help ensure the survial of your client's business and the financial security of your family with a buy-sell agreement funded by Symetra life insurance.
To download a document, simply click on it. To send in an email, select all desired documents and click "next."
Life Concepts Tree
Find the roots of your clients' legacy planning needs
Solution
Every company—big or small—has key employees who contribute to its success through their leadership, innovation, skills and experience. Their loss can severely impact the business until a replacement is found. Help protect your client's company with key person life insurance from Symetra.
To download a document, simply click on it. To send in an email, select all desired documents and click "next."
Find the roots of your clients' legacy planning needs
Step 2
My clients are interested in:
- Wealth transfer
- Tax efficient asset repositioning
- Portfolio / life insurance reviews
- Business planning
Find the roots of your clients' legacy planning needs
Step 3
My clients are interested in:
- Future access to income for surviving spouse
- Asset protection
- Control over how assets are distributed
Life Concepts Tree
Find the roots of your clients' legacy planning needs
Solution
Not only can a Spousal Lifetime Access Trust (SLAT) help minimize estate taxes—whether that's a current concern or an anticipated one—it also can provide the beneficiary spouse with the flexibility to receive discretionary lifetime income from the trust. With life insurance, the trust can provide beneficiaries with the best of both worlds: access to trust assets, plus a greater legacy enhanced by life insurance cash values and ultimately a death benefit received free of federal estate and income taxes.
To download a document, simply click on it. To send in an email, select all desired documents and click "next."
Find the roots of your clients' legacy planning needs
Step 4
My clients are interested in:
- Spousal lifetime access trust
- Leveraged credit shelter trust
Life Concepts Tree
Find the roots of your clients' legacy planning needs
Solution
Not only can a Spousal Lifetime Access Trust (SLAT) help minimize estate taxes—whether that's a current concern or an anticipated one—it also can provide the beneficiary spouse with the flexibility to receive discretionary lifetime income from the trust. With life insurance, the trust can provide beneficiaries with the best of both worlds: access to trust assets, plus a greater legacy enhanced by life insurance cash values and ultimately a death benefit received free of federal estate and income taxes.
To download a document, simply click on it. To send in an email, select all desired documents and click "next."
Life Concepts Tree
Find the roots of your clients' legacy planning needs
Solution
If your married clients have significant assets, they may already know the important role an irrevocable Credit Shelter Trust (CST) can play in helping to protect and enhance their legacy for future generations. Life insurance can increase the value of your clients’ trust, allowing more assets to pass to beneficiaries.
To download a document, simply click on it. To send in an email, select all desired documents and click "next."
Find the roots of your clients' legacy planning needs
Step 4
My clients are interested in:
- Spousal lifetime access trust
- Leveraged credit shelter trust
Life Concepts Tree
Find the roots of your clients' legacy planning needs
Solution
Not only can a Spousal Lifetime Access Trust (SLAT) help minimize estate taxes—whether that's a current concern or an anticipated one—it also can provide the beneficiary spouse with the flexibility to receive discretionary lifetime income from the trust. With life insurance, the trust can provide beneficiaries with the best of both worlds: access to trust assets, plus a greater legacy enhanced by life insurance cash values and ultimately a death benefit received free of federal estate and income taxes.
To download a document, simply click on it. To send in an email, select all desired documents and click "next."
Life Concepts Tree
Find the roots of your clients' legacy planning needs
Solution
If your married clients have significant assets, they may already know the important role an irrevocable Credit Shelter Trust (CST) can play in helping to protect and enhance their legacy for future generations. Life insurance can increase the value of your clients’ trust, allowing more assets to pass to beneficiaries.
To download a document, simply click on it. To send in an email, select all desired documents and click "next."
Find the roots of your clients' legacy planning needs
Step 3
My clients no longer have a need for:
- Annuities
- Other assets
Life Concepts Tree
Find the roots of your clients' legacy planning needs
Solution
Help your clients understand the federal income and estate tax impact on a deferred annuity at death, and suggest an alternative—gifting all or a portion of the current annuity's value to a trust and purchasing life insurance.
To download a document, simply click on it. To send in an email, select all desired documents and click "next."
Find the roots of your clients' legacy planning needs
Step 4
My clients are interested in:
- Life insurance as an asset class
- Leveraging alternative assets
Life Concepts Tree
Find the roots of your clients' legacy planning needs
Solution
In times of economic uncertainty, many individuals turn to life insurance to help stabilize their investment portfolios. When used as an estate-planning tool, the life insurance policy's proceeds will often yield a more competitive rate of return compared to legacy assets held in a taxable investment.
To download a document, simply click on it. To send in an email, select all desired documents and click "next."
Life Concepts Tree
Find the roots of your clients' legacy planning needs
Solution
In the same way your clients purchase auto and homeowners insurance for protection from unexpected financial losses, life insurance can provide their beneficiaries with a predictable death benefit if something were to happen to them. Often, the policy's proceeds will yield a more competitive rate or return when compared to legacy assets held in a taxable investment.
To download a document, simply click on it. To send in an email, select all desired documents and click "next."
Find the roots of your clients' legacy planning needs
Step 3
I have clients with existing life insurance policies that are:
- Owned by them or other individuals
- Trust owned
Life Concepts Tree
Find the roots of your clients' legacy planning needs
Solution
Change is inevitable. The dynamics of life will often require your clients to reassess their personal needs, as the things that once suited their lifestyles don’t necessarily suit them now. A routine reassessment of their life insurance needs should be no different. A policy that was appropriate for them five years ago may not be appropriate in their world today. Help your clients complete a routine life insurance policy review and make sure their existing coverage still meets their current needs.
To download a document, simply click on it. To send in an email, select all desired documents and click "next."
Life Concepts Tree
Find the roots of your clients' legacy planning needs
Solution
The American Taxpayer Relief Act of 2012 brought long-awaited clarity to estate tax rules. But while many clients will likely fall below the established exclusion amounts for estate taxes, there are still many reasons why they should consider the tax benefits of trusts funded with life insurance for their estate planning needs.
To download a document, simply click on it. To send in an email, select all desired documents and click "next."
Find the roots of your clients' legacy planning needs
Step 3
My clients are interested in:
- Protecting against the loss of a key employee
- Succession planning for their business
- Attracting and retaining top talent
Life Concepts Tree
Find the roots of your clients' legacy planning needs
Solution
Every company—big or small—has key employees who contribute to its success through their leadership, innovation, skills and experience. Their loss can severely impact the business until a replacement is found. Help protect your client's company with key person life insurance from Symetra.
To download a document, simply click on it. To send in an email, select all desired documents and click "next."
Life Concepts Tree
Find the roots of your clients' legacy planning needs
Solution
With so much to think about day-to-day, many business owners don't take time to consider the importance of a proper business succession plan. Without one, the death of an owner could mean the end of the business. Help ensure the survial of your client's business and the financial security of your family with a buy-sell agreement funded by Symetra life insurance.
To download a document, simply click on it. To send in an email, select all desired documents and click "next."
Life Concepts Tree
Find the roots of your clients' legacy planning needs
Solution
Owners who surround themselves with high quality employees tend to have a competitive edge that takes their business to the next level. You can help your clients gain that edge by attracting and retaining their industry's top talent. By establishing an executive bonus plan with Symetra, help ensure their businesses stand out in the minds of individuals who can truly elevate them.
To download a document, simply click on it. To send in an email, select all desired documents and click "next."
Life Concepts Tree
Email Documents
Life Concepts Tree
Thank You
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