At its core, Capital Transfer is the process of transferring a client’s assets to their beneficiaries in the most tax-efficient manner possible. Because they are allowed an unlimited transfer of assets to a spouse, Capital Transfer typically revolves around the transfer of assets to the next generation. Life insurance is a very common tool used to create leverage and provide the liquidity needed to make sure assets transfer in the most efficient manner possible.
The misconception:
Life insurance is designed to provide a death benefit for the next generation with little or no impact on the first generation.
The reality:
A variety of strategies exist that incorporate life insurance to not only increase income in retirement but also shelter your client’s retirement savings against market risk.
Please join IAMS Executive Vice President/CMO Curtis Hawks for a webinar to go beyond capital transfer and discuss five creative ways to structure assets in a more tax-efficient manner and add additional leverage to their financial plan using life insurance.
Strategies covered include:
- Guaranteed Minimum Withdrawal Benefit (GMWB) Maximization
- Income Insure
- Interest Max
- Overfunding Cash Value Life Insurance
- Living Benefits as a Risk Mitigation Strategy
For attending the webinar, you’ll receive a free copy of our Beyond Capital Transfer guide, with details of each strategy listed above and tips on using them to help boost your sales.
The webinar is scheduled for 10 a.m. CST on Monday, Feb. 27. Click HERE to register.
Are you looking for more concepts and strategies to help take your business to the next level? We have your answer. IAMS and Athene are gearing up for the first Life and Annuity Academy of 2023. The event offers three days of exclusive content, sales ideas, marketing material, and proven sales systems. Top producers and industry insiders will also show you ways to design, place and retain more business than your competitors.
The Academy runs from April 26 – 28 in Des Moines, Iowa. The all-expenses-paid session is limited to 40 producers motivated to expand their business.
