Beyond the death benefit with life insurance

An alternative way to diversify: life insurance can offer a competitive portfolio option with less volatility.

Many clients today are looking for a way to diversify their portfolios without taking more risk than they can confidently handle. Yet, when they think about life insurance, they only think in terms of the benefits surrounding protection against possible loss. What if you could show them how to use life insurance for a variety of additional living benefits including building lifetime wealth, moderating risk, complementing fixed-income assets and long-term care (LTC) as a risk mitigation tool?

By introducing life insurance in client’s portfolios, you can help clients:

  • Prepare for their future in terms of income, lifestyle and legacy all in one
  • Enjoy a safe-money alternative that offers income tax advantages as well as flexible access to their premiums
  • Protect their premium from both market volatility throughout ownership of the policy and creditors at the time of wealth transfer

Spend a few minutes to learn more about life insurance, the cash value advantages, how it works, who will benefit and how this concept is transforming the way individuals think about planning for the future.

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FOR AGENT USE ONLY. NOT FOR USE WITH THE GENERAL PUBLIC. 13043 – 2013/10/16.

1 Source: New York Life

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