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Financial planning concepts & tools

ADVANCED INSURANCE PLANNING SUPPORT

FOR HIGH NET WORTH CLIENTS 

Levelize the tax on your fixed income investment with par wl

Would your high net worth clients like to pay less tax? 

This new client piece illustrates how a client with a large taxable fixed income portfolio recaptures some of the money they are currently paying in taxes, and immediately increases the value of their estate. How?  By using the net after-tax interest earned on their investment to buy a tax-exempt whole life insurance policy.  (English)   (français)

English hardcopies can be requested through your Regional Sales Manager. 

Preferred life insurance solutions

A packaged approach to show that life insurance can be a preferred method for helping individuals and corporations to leave a legacy, increase wealth and save tax. It's a tax-efficient solution compared to alternative taxable investments.

  • Preferred Estate Transfer
    By redirecting some of their money from taxable investments into a permanent life insurance policy, your clients can create a larger estate and save taxes. Available using Equimax participating whole life or Equation Generation IV universal life.
  • Preferred Retirement Solution
    By using the cash value of the life insurance policy as collateral for a bank loan, your clients can supplement their retirement income with tax-free dollars. Available using Equimax participating whole life. Find out more about collateral loans.

Preferred life insurance solutions are accessible through the Equitable Life Sales Illustration System. 

Tax and estate planners' guide to corporate life insurance

We have created a reference guide (français) for use with your clients' tax or estate planners when implementing these concepts. These are available through your Equitable Life Regional Sales Manager.

In all situations, your clients should ensure that competent tax and estate planning professionals have been consulted.

ADVANCED INSURANCE PLANNING SUPPORT

For high net worth clients

(Talk to your Equitable Life Regional Sales Manager.)

Business fact finding questionnaire 

Are you working with a large corporate client?  Using this new fact finding questionnaire when doing financial planning with your business clients. It can ensure you gather the information you need to create financial and succession plans that will help them achieve their personal and business goals. (English)   (français)

Levelize the tax on your fixed income investments with participating whole life

Would your high net worth clients like to pay less tax? This new client piece illustrates how a client with a large taxable fixed income portfolio recaptures some of the money they are currently paying in taxes, and immediately increases the value of their estate. How?  By using the net after-tax interest earned on their investment to buy a tax-exempt whole life insurance policy.  (English)   (français) 

English hardcopies can be requested through your Regional Sales Manager. French is available in pdf format only.

Building a stronger investment portfolio with participating whole life       

Help your high net worth clients put plans in place to assist them in meeting their investment goals. This includes selecting the right combination of guaranteed investments, fixed income, equities, and life insurance. Life insurance? That's right! A permanent life insurance policy not only helps your client build wealth, it gives them the freedom to spend their wealth by eliminating the need to ear-mark assets to leave to their heirs. This client piece shows you how. (English)   (français)

English hardcopies can be requested through your Regional Sales Manager. French is available in pdf format only.