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Security
Mutual has been an industry leader for more than
50 years in providing innovative ways for you
to offer enhanced survivor benefits funded with
cash value life insurance. This page contains
several ideas that you can use to position cash
value life insurance as a financial instrument
and not as an expense in the eyes of your client.
Understanding these concepts can "Change
Your Life."
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| Combine a Micro(k) with our PPIA Account and "Change Your Life!" |
| Many of your clients have accrued significant sums in their IRAs, SEPs and pension plans. If they have a need, why not simply allocate a portion of the account balance to solve that need while preserving significant liquidity? This Agent Use Only piece educates you on how our Premiums Paid in Advance Account option in SML Illustrator is a sure winner. |
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#: 0011058XX 04/2006 |
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| Funding Your Estate Plan with Profit Sharing Assets |
| Many successful small-business owners have accumulated substantial sums in their retirement plans. Unfortunately, this success is coupled with potential tax liabilities that can strip away over 70% of the value. A Next Level profit sharing or 401(k) plan offers a unique solution to the dilemma of estate plan funding while preserving cash flow, and above all, flexibility. |
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#: 0011020XX 01/2008 |
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| Add Life Insurance to Your Micro(k) and "Change Your Life!" |
| A Micro(k) is an ideal plan design should your client have personal or business life insurance needs. Unlike a SEP-IRA, a Micro(k) can allow for life insurance on anyone in whom the participant has an insurable interest. This piece contrasts the use of after-tax dollars to buy life insurance vs. pre-tax dollars in a Micro(k). |
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#: 0011059XX 04/2006 |
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| Tax Deductible Buy Sell Funding |
| Although many businesses have a buy-sell agreement, funding the plan is often insufficient due to the perceived cost. A Next Level profit sharing or 401(k) plan offers a unique solution to the dilemma of funding a business continuation plan while preserving cash flow for small-business owners. |
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#: 0011019XX 01/2008 |
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| Balancing Your Estate for Family Equity |
| The family business is often the largest asset in the estate. What happens when one child spent her career working in the business beside her parent to make the business a success and the parent dies? A Next Level remedy may be in order. Why not use pre-tax retirement assets to provide family equity? |
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#: 0011021XX 07/2005 |
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| Beyond Retirement or Separation from Service |
| While adding life insurance to a retirement plan has many advantages, it is important to bear in mind that once a participant separates from service or retires, it may be necessary to remove the life insurance from the plan. This brochure discusses the options available for Security Mutual Life unisex series life insurance policies. |
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#: 0010417XX 112006 |
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