S A L E S C O N C E P T S Y O U C AN USE
Additional Tax Shelters
for High-Net-Worth Clients
FLEXIBILITY
|
ACCESS
|
LEVERAGE
For Advisor Use Only
Case Study
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45-year-old orthodontist
Preferred Non-Smoker
Additional $10,000 per year to fund a life insurance contract
Looking to create a retirement income supplement of potentially tax-free income to
offset taxable qualified plan at retirement
Does this remind you of one of your clients?
Target Market
Optimal age: 25 years
Standard risk or better
High-net-worth clients who have already maxed out qualified plans and are
looking for additional tax shelters
Opportunity
Clients who seek ways to build resources for retirement income, college funding, emerging funds, etc.
Clients who are concerned about future tax increases
Small-business owners interested in executive compensation strategies: key-man,
buy-sell, NQDC
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e st re am
15-ye ar incom
licy
create d us ing po
basis and
w it hdrawals to
th en lo ans
(800) 589-30000 | www.aashbrokerage.com
ti remen t
$367,695 of re
unde r
income create d
io ns and
cu rren t as sumpt
7.5% ROR
tion
O ve rloan protec
preven t
ride r kick s in to
ta xation
po licy lapse and
– re duce d
of po licy lo ans
nefit is
paid-up de at h be
create d
PRE TAX
AFTER TAX
Tax- Deferred
Taxable
Tax Advantaged
401(k)
403 (b)
SEP IRA
Stocks
Bonds
CDs
Mutual Funds
 Roth IRA
 Roth 401(k)/403 (b)
CV Life Insurance
Tax
(Ordinary Income)
Tax
Dividends + Interest
Capital Gains
Tax
(800) 589-30000 | www.aashbrokerage.com
Give us a call for more information on this
illustration and to discuss your next steps.
David Shoup
EVP, Life Sales
(800) 589-3000, ext. 0648
(260) 478-0648
[email protected]
Nikki Parker
Life Marketing Team Lead
(800) 589-3000, ext. 0716
(260) 478-0716
[email protected]
Sam Rocke
Life Marketing Consultant
(800) 589-3000, ext. 0710
(260) 478-0710
[email protected]
(800) 589-3000 | www.ashbrokerage.com
LI-4045
Rev. 05/13
For Advisor Use Only