IRA Max, IUL Rate Multiplers, Two Sequence of Returns Items, and Two Business Concepts!
No Image Selected
View in Web Browser
October 23, 2019
Eschels Financial Group
Cyndi Stern
Business Succession Planning
Help clients ensure predictable and practical arrangements. With business owners, the opportunities for life insurance planning tend to be quite robust and often pertain to the part of the “lifecycle” the client’s business is in. Learn more.
NEW IUL High-Fee/Large Multiplier Information
Securian has launched a new landing page, for financial professionals, containing all the tools and resources necessary to illustrate our IUL philosophy on AG49 and high-fee/large multiplier products.  Click here.
Managing Sequence-of-Return Risk with Whole Life
Investment returns are variable and, unfortunately, unpredictable. When planning for income, the sequence of positive and negative annual returns can have a significant impact on how long a portfolio will last — particularly if the portfolio is in the distribution stage and a set amount is being withdrawn from the portfolio every year. Low or negative returns in the first few years of retirement can significantly add to the possibility of portfolio ruin. Learn more from Lafayette Life here.
Help Clients Plan Ahead for a Risk that is out of Their Control
Many clients are unfamiliar with Sequence of Returns risk and how it can impact their retirement savings, but the risk is real. Read this article to learn how an Income Advantage IUL policy can help your clients plan ahead, and use our Timing is Everything brochure to help explain this risk to your clients.
Help Clients Maximize IRA Distributions to Increase their Legacy and Control
With IRA assets topping $9.3 trillion in 2018,1 chances are you have clients that may benefit from enhancing their stretch IRA strategy with life insurance. Our newly updated IRA maximization spotlight page is a resource that can help you explain how repositioning IRA assets inside a life insurance trust may help your clients:

  • Minimize taxes while maximizing their legacy.
  • Control distributions.
  • Transfer assets outside of their estates.

Contact Symetra’s Life Sales Desk at 1-877-737-3611 for an illustration and see how you can help your clients leave more to their beneficiaries.

Year-end Key Employee Benefit Sales Opportunities
In case you missed Principal’s PLN Call, a playback is available for the next 30 days.  Go to the Business Market Solutions section of the Events page on the advisor website for playback instructions.  Here are the handouts:

Tax Cuts and Jobs Act Business Tax Overview


Eschels Financial Group
Cyndi Stern
No Image Selected
(248) 644-1144
Email Me
View Website
Connect with Us!


No Image Selected
Securities and Insurance Products:
Insurance Products are not insured by the FDIC or any Federal Government Agency.
May lose value. Not a deposit of or guaranteed by any Bank or Bank Affiliate.We respect your privacy and do not wish to disturb you. You can unsubscribe to these emails online, or by sending a written request via U.S. Postal Service to:
555 South Old Woodward Ave Suite 612 Birmingham, MI 48009

To prevent mailbox filters from deleting or hiding these messages and offers, please add to your address book.