Navigating Tough Decisions

They may be stressing over these questions:

Should I take Social Security early, at the normal retirement age, or delay it until age 70?

Which survivor option should I take from my pension?

How do I enjoy the fruits of my labor and still leave a legacy?

Without a crystal ball, what safeguards can I put in place to help my income last longer should the market decline shortly after I retire?

Helping your clients understand what these future decisions might be today, and what impact they may have on their retirement tomorrow, is just as critical as the action of saving for retirement.
You can help your clients understand the breadth of decisions they may be faced with, so they are not caught off guard when the day comes.

Indexed Universal Life and the Lifetime Income Benefit Rider (LIBR) Campaign

Indexed Universal Life and the Lifetime Income Benefit Rider (LIBR) Campaign helps you identify sales opportunities, engage and activate prospects, and enable sales growth with easy-to-use marketing tools and resources. Get everything you need launch the Indexed Universal Life and the Lifetime Income Benefit Rider (LIBR) campaign in your local market below.

Indexed Universal Life - LIBR Campaign [/bs_well]

* The Lifetime Income Benefit Rider provides a benefit for the life of the insured if certain conditions are met, including but not limited to the insured’s attained age being between age 60 and 85, and that the policy has been in force at least 10 years. Insufficient policy values or outstanding policy loans may also restrict exercising the rider. Exercising the rider and receiving an income benefit will reduce the policy’s cash value and death benefit and may terminate other riders or reduce their benefits.

Whie the policy has cash surrender value, the Lifetime Income Benefit will be received income-tax free. Ince the policy’s cash surrender value has been exhausted, the income benefit will be subject to ordinary income taxes.

The companies of National Life Group® and their representatives do not offer tax or legal advice. Please encourage your clients to seek tax or legal advice from their appropriate professional advisor.