Comparison of Insurance Policies
|
|
|
- Kevin Ward
- 5 years ago
- Views:
Transcription
1 Risk Profile In the accompanying pages is a financial analysis that compares costs and benefits of different types of life insurance policies, such as Whole Life, Universal Life,, and Variable Universal Life. Each life insurance policy type has specific pros and cons. A determination of which policy is the most suitable for you depends on where you fall on the scale below (with Whole Life typically being the most conservative and Variable Universal Life the most aggressive). Accordingly, before making a final decision on which policy is best for you and your specific needs and circumstances, you need to understand variations in premiums, policy cash flow, cash values, death benefits, and respective rates of return coupled with your personal risk tolerance. Your financial adviser can help determine which policy is most suitable for you. The pages in this presentation should be useful to you in making your decision. Which Life Insurance Type is Best for You? Conservative Moderately Conservative Moderate Moderately Aggressive Aggressive Whole Life Universal Life Variable Universal Life This graphic and the other reports in this presentation assume the non-guaranteed values of the life insurance policies under consideration. These non-guaranteed values are hypothetical only. Actual results will vary and be more or less favorable depending upon a number of factors. Please review all carrier illustrations and disclaimers in conjunction with this presentation. Page 1 of 11
2 Preface In the accompanying pages is an analysis that compares costs and benefits of different life insurance policies. There are two policies included in this analysis, allowing you to easily review how the plans differ in terms of premiums, cash flow, cash accumulation, death benefits, and internal rates of return. A mathematical evaluation is not the only important item to study when purchasing life insurance. Others are: 1. The financial strength of the company; 2. Suitability of the type of plan; 3. Plan provisions and contractual guarantees; 4. Reputation of the agent or broker. An analysis of these points, along with conclusions drawn from the accompanying reports, should be useful to you as part of the evaluation of your life insurance purchase. Below is a graphic summarizing the results of the accompanying presentation. Cumulative s Cumulative 400, ,820 2,250,000 Comparison of Values at year 50 72, , ,308 Living Values 929,586 This graphic and the other reports in this presentation assume the non-guaranteed values of the life insurance policies under consideration. These non-guaranteed values are hypothetical only. Actual results will vary and be more or less favorable depending upon a number of factors. Please review all carrier illustrations and disclaimers in conjunction with this presentation. Page 2 of 11
3 Comparison of Values , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,434 1,030, , , , ,884 1,090, , , , ,097 1,156, , , , ,485 1,226, , , , ,458 1,302, , , ,606 75, , , , , ,647 75, , , , , ,354 75, , , , , ,665 75, , , , , ,152 75, , , , , ,076 75, , , , , ,563 75, , , , , ,787 75, , , , , ,591 75, , , , , ,905 75, , , , , ,000 Page 3 of 11
4 Comparison of Values , , ,731 75, , , , , ,036 75, , , , , ,862 75, , , , , ,241 75, , , , , ,194 75, , , , , ,663 75, , , , , ,700 75, , , , , ,170 75, , , , , ,535 75, , , , , ,215 75, , , , , ,406 75, , , , , ,171 75, , , , , ,388 75, , , , , ,891 75, , , , , ,494 75, , , , , ,999 75, , , , , ,966 75, , , , , ,149 75, , , ,694 77, ,294 75, , , ,694 72, ,308 75, , , , ,820 2,250,000 Page 4 of 11
5 Net Rates of Return Required on to Match Values Income Tax Rate 35.00% , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,000 Page 5 of 11
6 Net Rates of Return Required on to Match Values Income Tax Rate 35.00% , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,820 2,250,000 Page 6 of 11
7 Pre-Tax Equivalent Rates of Return Required on to Match Values Income Tax Rate 35.00% , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,000 Page 7 of 11
8 Pre-Tax Equivalent Rates of Return Required on to Match Values Income Tax Rate 35.00% , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,820 2,250,000 Page 8 of 11
9 50 Year Summary Analysis of Cumulative $2,400,000 $2,250,000 $1,800,000 $1,200,000 $890,820 $600,000 $400,000 $ Years At Year 50 Cumulative $400,000 $890,820 $2,250,000 Page 9 of 11
10 50 Year Summary Analysis of Values $1,000,000 $868,580 $750,000 $500,000 $400,000 $250,000 $ Years At Year 50 Cumulative $400,000 $72,499 $868,580 $72,499 Page 10 of 11
11 50 Year Summary Analysis of s $1,600,000 $1,200,000 $929,586 $800,000 $400,000 $400,000 $176,308 $ Years At Year 50 Cumulative $400,000 $176,308 $929,586 Page 11 of 11
Cash Value Cost of Ignoring Life Insurance (Roth IRA vs. IUL)
Cash Cost of Ignoring Life Insurance ( vs. IUL) For: Erin Coppola Presented By: [Licensed user's name appears here] vs. Indexed Universal Life Preface A decision to acquire additional life insurance can
Indexed Universal Life vs. A Tax Deductible Retirement Plan (TDRP) For Joe Tanner. Presented By: [Licensed user's name appears here]
![Indexed Universal Life vs. A Tax Deductible Retirement Plan (TDRP) For Joe Tanner. Presented By: [Licensed user's name appears here]](/thumbs/81/83978279.jpg "Indexed Universal Life vs. A Tax Deductible Retirement Plan (TDRP) For Joe Tanner. Presented By: [Licensed user's name appears here]")
Indexed Universal Life vs. A Tax Deductible Retirement Plan () For Joe Tanner Presented By: [Licensed user's name appears here] Indexed Universal Life vs. A Tax Deductible Retirement Plan () Preface A
Indexed Universal Life vs. Various Financial Alternatives For Harvey Pierce, MD
For Harvey Pierce, MD Presented By: [Licensed user's name appears here] Preface A decision to acquire additional life insurance can represent one of several significant phases in your overall financial
Universal Life (UL) vs. An Equity Account
Universal Life (UL) vs. An For: Bill Jasper Presented By: {{Licensed User's name appears here}} Preface A decision to acquire additional life insurance can represent one of several significant phases in
Profit Sharing Plan vs. Indexed Universal Life
vs. Indexed Universal Life For: Jennifer Hunt Presented By: [Licensed user's name appears here] vs. Indexed Universal Life Preface A decision to acquire additional life insurance can represent one of several
Indexed Universal Life vs. Pretend Profit Sharing Plan
Indexed Universal Life vs. Pretend For: Robert McNamara Presented By: [Licensed user's name appears here] Indexed Universal Life vs. Pretend Preface A decision to acquire additional life insurance can
Form. Investor profile Questionnaire. Client name: Date: Signature:
Form Investor profile Questionnaire Client name: Date: Signature: Questionnaire This questionnaire is to help you in assessing your client s investor profile and is only part of the full Know-Your-Client
THE FREEDOM UMA. Unified Managed Account Strategies
THE FREEDOM UMA Unified Managed Account Strategies Freedom UMA Effective investment planning cannot be left to chance. It requires research, consultation, planning, execution and constant monitoring. When
Private Real Estate Funds
What They Are, How They Work There are various types of private real estate funds. Understanding the basic structure can help mitigate against associated risks. The information contained in this white
Builder IUL7 - Guideline Premium Test vs. Various Financial Alternatives
Presented By: Preface Saliya Abeysekera A decision to acquire additional life insurance can represent one of several significant phases in your overall financial planning. An important part of this decision
Investment Objective & Risk Profile Questionnaire Cadaret, Grant & Co., Inc. Registered Investment Advisor
Investment Objective & Risk Profile Questionnaire Cadaret, Grant & Co., Inc. Registered Investment Advisor Member, Financial Industry Regulatory Authority Securities Investor Protection Corporation Investor
SUPPLEMENT DATED JANUARY 2018 TO THE NEW YORK ABLE SAVINGS PROGRAM DISCLOSURE BOOKLET AND PARTICIPATION AGREEMENT DATED AUGUST 2017
SUPPLEMENT DATED JANUARY 2018 TO THE NEW YORK ABLE SAVINGS PROGRAM DISCLOSURE BOOKLET AND PARTICIPATION AGREEMENT DATED AUGUST 2017 This Supplement describes important changes and amends the Disclosure
Strategic Income Model. EAS-E Strategic Income Model. An EQIS Allocation Scientifically-Engineered (EAS-E)
EAS-E Strategic Income Model An EQIS Allocation Scientifically-Engineered (EAS-E) EAS-E Strategic Income Model EQIS Allocations Scientifically-Engineered (EAS-E) The returns on any investment consists
Personal Financial Plan. John and Mary Sample
For October 21, 2013 Prepared by Public Retirement Planners, LLC 820 Davis Street Suite 434 Evanston IL 60714 224-567-1854 This presentation provides a general overview of some aspects of your personal
Financial Intelligence. Produced Exclusively for Members of the Senior Executives Association
Financial Intelligence Produced Exclusively for Members of the Senior Executives Association Mike Miles Founder and Principal Advisor, Variplan, LLC Certified Financial Planner Registered Investment Advisor
ING INDEXED UNIVERSAL LIFE-GLOBAL CHOICE A Flexible Premium Adjustable Life Insurance Policy (Standard Form # /12; may vary by state)
Retirement Extra using Life Insurance ING INDEXED UNIVERSAL LIFE-GLOBAL CHOICE (Standard Form #1186-09/12; may vary by state) Designed for: Valued Client Presented by: Unassigned Agent 8055 East Tufts
INVESTING IN YOUR FUTURE: A TIAA FINANCIAL ESSENTIALS WORKSHOP. Money at Work 1: Foundations of investing
INVESTING IN YOUR FUTURE: A TIAA FINANCIAL ESSENTIALS WORKSHOP Money at Work 1: Foundations of investing Staying on course: Today s agenda Retirement Advisor Understanding saving Risk tolerance Asset classes
Investing basics. Shelly Maas, Merrill Lynch Financial Wellness Specialist. June 15, 2018
Investing basics Shelly Maas, Merrill Lynch Financial Wellness Specialist June 15, 2018 Merrill Lynch makes available products and services offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated
Motif Capital Horizon Models: A robust asset allocation framework
Motif Capital Horizon Models: A robust asset allocation framework Executive Summary By some estimates, over 93% of the variation in a portfolio s returns can be attributed to the allocation to broad asset
Steady income with growth potential
Steady income with growth potential Secure Income through the Vanguard Variable Annuity Product issued by Transamerica Premier Life Insurance Company and, in New York State only, by Transamerica Financial
Annuity Customer Identification and Suitability Confirmation Worksheet
Annuity Customer Identification and Suitability Confirmation Worksheet Thank you for your interest in purchasing an annuity offered by Guggenheim Life and Annuity Company, doing business in California
Your Envision profile. Client name:
Your Envision profile Client name: We ll help you live the life you ve imagined... Personal information Name: Spouse/Partner s name: Mailing address: State of primary residence: Date of birth (mm/dd/yyyy):
This document describes how to manage trades identified with the Options Income Engine Trade Alert Software.
This document describes how to manage trades identified with the Options Income Engine Trade Alert Software. General Risk Management For accounts < $10,000: Risk no more than 5% of your account size. For
IMPORTANT NEWS: FIDELITY & GUARANTY LIFE INTRODUCES IMPROVED SUITABILITY ACKNOWLEDGEMENT FORM
IMPORTANT NEWS: FIDELITY & GUARANTY LIFE INTRODUCES IMPROVED SUITABILITY ACKNOWLEDGEMENT FORM We are excited to introduce our new Suitability Acknowledgement Form reflecting our new name and containing
Individual Investor Profile Questionnaire
Individual Investor Profile Questionnaire R02-AVPB-01/ Version 3 One of the first steps in developing an investment plan is to identify the investor s profile. This provides the opportunity to analyze
PROSPECTUS NOVEMBER 1, The Director Outlook A TAX-DEFERRED VARIABLE ANNUITY. Issued by: Hartford Life Insurance Company
PROSPECTUS NOVEMBER 1, 2004 The Director Outlook A TAX-DEFERRED VARIABLE ANNUITY Issued by: Hartford Life Insurance Company ARE NOT INSURED BY FDIC OR ANY FEDERAL GOVERNMENT AGENCY MAY LOSE VALUE ARE NOT
Practical Personal Financial Management. Lecture 2 Investment and Insurance
Practical Personal Financial Management Lecture 2 Investment and Insurance 1 Importance of Financial Management 2 Money Management Financial Planning Credit Insurance Investment Practical Personal Financial
TheWizardUniversity POWERSCANS FOR ETF S
While the Simple Scan focuses on one, core strategy for finding ETF s, PowerScans offer several different options, ranging from conservative strategies with lower risk/reward to very aggressive strategies
Roth Individual Retirement Account (Roth IRA)
Preface A Roth IRA is an asset accumulation and distribution program that has been granted special tax consideration. It has the following characteristics: Contributions Are Not Deductible Funding costs
AAS 35 The Examination Of Prospective Financial Information 1
AAS 35 The Examination Of Prospective Financial Information 1 The following is the text of the Auditing and Assurance Standard (AAS) 35, The Examination of Prospective Financial Information, issued by
Pension Maximization
Pension Maximization An Illustration That Compares the Wealth Accumulation Potential & Net Present Value of Cash Flows of a Single Life Annuity + Life Insurance Plan with a Joint & Survivor Annuity AN
Part 2A of Form ADV: Firm Brochure June 28, 2017
Part 2A of Form ADV: Firm Brochure June 28, 2017 815 East Jefferson Street, Charlottesville, Virginia, 22902 434 977 1550 www.odcm.com This brochure provides information about the qualifications and business
New York s 529 Advisor-Guided College Savings Program
NOT FDIC INSURED NO BANK, STATE OR FEDERAL GUARANTEE MAY LOSE VALUE Program manager Ascensus Broker Dealer Services, Inc. Investment manager J.P. Morgan Investment Management Inc. August 2014 New York
RETIREMENT SAVINGS STRATEGIES
RETIREMENT SAVINGS STRATEGIES Client logo placeholder Rep Name [Advisor Disclaimer Here] WHY ARE WE HERE? YOUR SAVINGS TODAY BECOMES YOUR INCOME IN RETIREMENT. ACCUMULATION DISTRIBUTION Today Retirement
CION ARES DIVERSIFIED CREDIT FUND. Supplement dated December 4, Prospectus relating to Class I shares dated February 28, 2018
Filed Pursuant to Rule 497 Registration No. 333-212323 CION ARES DIVERSIFIED CREDIT FUND Supplement dated December 4, 2018 To Prospectus relating to Class I shares dated February 28, 2018 This supplement
PRODUCTS AND FINANCIAL SERVICES PROVIDED BY AMERICAN UNITED LIFE INSURANCE COMPANY, A ONEAMERICA COMPANY
PRODUCTS AND FINANCIAL SERVICES PROVIDED BY AMERICAN UNITED LIFE INSURANCE COMPANY, A ONEAMERICA COMPANY CREATING YOUR RETIREMENT STRATEGY With My OneCheck Online from MasteryPOINT Financial Technologies,
LIFETIME INCOME CASE STUDY
Finding a Medicare Plan That Makes the Most Sense for You LIFETIME INCOME CASE STUDY Presented by Puplava Financial Services, Inc. Registered Investment Advisor Joe and Kate Tucker Important Notice: This
Practical Personal Financial Management
Practical Personal Financial Management Lecture 2 Investment and Insurance Peter Yau Manager About The Chin Family The Chin Family is an independent and impartial financial education platform providing
PERSONALIZED RETIREMENT STRATEGY for the Caribou Coffee Retirement Savings Plan
PERSONALIZED RETIREMENT STRATEGY for the Caribou Coffee Retirement Savings Plan LIVE FOR TODAY. PREPARE FOR TOMORROW. When you think of your retirement, maybe you look forward to spending more time with
Diocese of Lafayette. Believe. in your future. The Diocese of Lafayette 403(b) Plan Enrollment Overview
Diocese of Lafayette Believe in your future The Diocese of Lafayette 403(b) Plan Enrollment Overview Believe in your future Reaching your retirement goals can take a lot of preparation. Some investment
Lifetime Retirement Planning with Wells Fargo Advisors Income guarantees for your retirement savings
Lifetime Retirement Planning with Wells Fargo Advisors Income guarantees for your retirement savings Get there. Your way. Lifetime Retirement Planning with Wells Fargo Advisors 1 Guaranteed income for
This supplement revises the prospectuses to reflect changes effective December 4, 2017:
This supplement revises the prospectuses to reflect changes effective December 4, 2017: page 1 of 1 Supplement to Prospectus dated May 1, 2017 for: MassMutual Capital Vantage Effective June 12, 2017: For
Equity Volatility and Covered Call Writing
December 2017 Equity Volatility and Covered Call Writing Executive Summary Amid uncertainty in the markets and investor desire for lower volatility, investors may want to consider a covered call strategy
Long-Term Capital Market Assumptions And Model Portfolios February Investment Strategy Group
Long-Term Capital Market Assumptions And Model Portfolios February 2018 Investment Strategy Group 2018 Long-Term Capital Market Assumptions Every year we update our risk, return and correlation assumptions
An Introduction to Bonds
An Introduction to Bonds Agenda Bond basics Different types of bonds Bond features Yield and tax considerations Bond risks Credit quality Bond investing strategies and client suitability Defining Characteristics
ameritas Advisor Services A Division of Ameritas Life Insurance Corp.
ameritas Advisor Services A Division of Ameritas Life Insurance Corp. The No-Load Insurance Pioneer client highlights Guaranteed Lifetime Withdrawal Benefit Ameritas No-Load Variable Annuity PF 503 Ed.
Life Insurance in a 401(k) Plan
For: George Baker, MD Presented By: [Licensed user's name appears here] Preface In the accompanying presentation, you will see the financial data from an illustration of a cash value life insurance policy
Customer Investor Profile Increase your potential for higher returns.
Customer Increase your potential for higher returns. This easy-to-use questionnaire has been provided to help you and your Mutual Funds Representative1 create an accurate based on your investment needs,
Transition to a lifetime of financial security.
A Variable Annuity Guide for Individuals Transition to a lifetime of financial security. MassMutual Transitions Select SM variable annuity Financial security starts with good decisions Your future financial
RBC Strategic Asset Allocation Models
Page 1 of 7 United States Traditional Fixed Income Only Last updated: March 218 Fixed Income Only The focus is capital preservation. The portfolio is only invested in fixed income asset classes. The investor
Phase 1 Income to match your lifestyle and preserve your wealth Phase 2 Continuing income for spousal security and independence
` ` Stretch Annuity Analysis Phase 1 Income to match your lifestyle and preserve your wealth Phase 2 Continuing income for spousal security and independence Prepared For: Sample Client April 23, 2006 Prepared
RBC Strategic Asset Allocation Models
Page 1 of United States Core Very conservative Last updated: April 17 Risk Profile 1 The focus is capital preservation. The portfolio will typically be invested mainly in fixed income and other low volatility
The Strength of Global Diversification
The Strength of Global Diversification Invesco Aim Risk Tolerance Analysis Finding the level of investment risk that works for you With travel, the journey is as important as the destination. With investing,
Understanding the variations between long-term care and chronic illness riders
The Advanced Consulting Group White paper Understanding the variations between long-term care and chronic illness riders Vol. 1 in a series on LTC and chronic illness riders Shawn Britt, CLU, CLTC Director,
PROSPECTUS. I could have been an . Visit to sign up. May 1, 2018 VARIABLE ANNUITY (5-18) Product
PROSPECTUS May 1, 2018 VARIABLE ANNUITY I could have been an email. Visit www.fbfs.com to sign up. 737-529 (5-18) 2002-2007 Product PRINCIPAL UNDERWRITER/ SECURITIES & SERVICES OFFERED THROUGH REGISTERED
6/2/2016. Thanks. Question #2 What s different between Fiduciary O/S and Life Insurance Industry O/S? differing rates.
1 Thanks Question #1 What does it take to become a licensed life insurance agent and how to choose? Licensure Designations Compensation Conflicts Operating System (O/S) 2015 1993 - Adopted The goals and
401(k) Savings Plan. Get on track. Stay on track. Five Easy Steps... Step One: Get to know the Plan. Step Two: Enroll in the Plan
Your Guide to Retirement Success 401(k) Savings Plan Get on track. Stay on track. Five Easy Steps... Step One: Get to know the Plan Step Two: Enroll in the Plan Step Three: Decide how to contribute Step
Oklahoma s 529 College Savings Plan (OCSP)
Oklahoma s 529 College Savings Plan (OCSP) An investment in knowledge pays the best interest. Benjamin Franklin 2 The Cost of Tuition & Fees Use our College Planning Calculator to explore different scenarios
ishares Core Model Portfolios
ishares Core Model Portfolios 30 June 2017 ishares Core Model Portfolios Introducing ishares Core ishares Core is a series of five low-cost, high quality funds designed to provide a simple way to construct
Order Execution and Allocation Policy
Order Execution and Allocation Policy January 2018 1. Scope 3 2. General 3 3. Order execution: Fixed income and forward foreign exchange 3 4. Order transmission: Equities 3 Contents 5. Factors considered
Capital Management Services, Inc. ( CMS )
Capital Management Services, Inc. ( CMS ) Risk-Managed Equity Models March 27, 2018 303 Congress St. Boston, MA 02210 (617) 624-7100 www.dalbar.com Contents QDIA Validation Status as of March 26, 2018...
PRUDENTIAL PREMIER INVESTMENT VARIABLE ANNUITY. With Premier Investment:
PRUDENTIAL PREMIER INVESTMENT VARIABLE ANNUITY With Premier Investment: Clients can benefit from tax advantages, including tax deferral and tax-free transfers An innovative pro-growth fee structure can
Guide to buying annuities
Guide to buying annuities Summary of the key points contained in this disclosure document Before you purchase your annuity contract, make sure that you read and understand this guide. While reading this
Introduction to Investing
Introduction to Investing "Take Charge of Your Finances" Advanced Level Saving and Investing Once an appropriate amount of liquid assets are reached Remember: The purpose of savings is to develop financial
PruLife Custom Premier II UNDERLYING INVESTMENT OPTIONS
PruLife Custom Premier II UNDERLYING INVESTMENT OPTIONS This brochure must be preceded or accompanied by the consumer brochure and the policy prospectus. Investors should consider the contract and the
Offer clients protection, growth and income
Principal Variable Universal Life Income III SM Offer clients protection, growth and income Product guide In this guide Introduction...3 How VUL Income III works...5 General policy information... 6 Underwriting
Advantage IV Variable Annuity
Advantage IV Variable Annuity IT S ALWAYS THE RIGHT TIME It s never too late to get where you want to go When you begin saving for retirement at the beginning of your career, you re giving yourself the
SUPPLEMENT DATED APRIL 2018 TO NEW YORK S 529 COLLEGE SAVINGS PROGRAM DIRECT PLAN
SUPPLEMENT DATED APRIL 2018 TO NEW YORK S 529 COLLEGE SAVINGS PROGRAM DIRECT PLAN DISCLOSURE BOOKLET AND TUITION SAVINGS AGREEMENT DATED AUGUST 31, 2016 This Supplement describes important changes and
Transamerica Axiom SM II Prospectus May 2015
Transamerica Axiom SM II Prospectus May 2015 A Flexible Premium Variable Annuity edelivery from Transamerica Less paper conserves natural resources No waiting for the mail Receive documents electronically
ANNUITIES VARIABLE. MetLife Retirement Perspectives. asset allocation questionnaire
ANNUITIES VARIABLE MetLife Retirement Perspectives asset allocation questionnaire Asset Allocation Questionnaire The following questions will enable you to determine your time horizon and risk tolerance
taking control of my future
variable annuity taking control of my future Retirement Cornerstone variable annuity Variable Annuities: Are Not a Deposit of Any Bank Are Not FDIC Insured Are Not Insured by Any Federal Government Agency
ReliaStar Life Insurance Company
P E R F O R M A N C E U P D A T E ReliaStar Life Insurance Company Voya Investor Elite Average Annual Total Returns as of: 07/31/2018 (shown in percentages) The following variable investment options are
Your future. Know your risk tolerance
Your future Know your risk tolerance What s your style? Before choosing where to invest, you should understand how much risk is right for you. By filling out this easy-to-use questionnaire, you can learn
Part 2A of Form ADV: Firm Brochure. Vestpointe Wealth Management, LLC E. Doubletree Ranch Road, Suite 175 Scottsdale, AZ 85258
Part 2A of Form ADV: Firm Brochure Vestpointe Wealth Management, LLC 7373 E. Doubletree Ranch Road, Suite 175 Scottsdale, AZ 85258 Telephone: (602) 212-1040 Email: info@vestpointe.com Web Address: www.vestpointe.com
Performance LTC Long-term care insurance with a difference
Performance LTC Long-term care insurance with a difference David Roberts CLU ChFC CLTC John Hancock Insurance National Account Vice President Long-term care insurance is underwritten by John Hancock Life
Your investor profile
IAG SAVINGS AND RETIREMENT PLAN Your investor profile Investments The allocation of your assets is the very heart of your financial strategy. It is therefore important that you take the time to determine
DIY MASTER PLAN Annual Report As at 30 June 2018 Part 3 Raiz Super Investment Disclosure
Fund Registration No R1070743 DIY MASTER PLAN Annual Report As at 30 June 2018 Part 3 Raiz Super Investment Disclosure This Annual Report Part 3 for the Raiz Super Division members of the DIY Master Plan
Comparing a Bucket Strategy and a Systematic Withdrawal Strategy
Comparing a Bucket Strategy and a Systematic Withdrawal Strategy By Noelle E. Fox Article Highlights Advisers often present retirees with either a systematic withdrawal strategy or a bucket strategy. A
ERM and ORSA Assuring a Necessary Level of Risk Control
ERM and ORSA Assuring a Necessary Level of Risk Control Dave Ingram, MAAA, FSA, CERA, FRM, PRM Chair of IAA Enterprise & Financial Risk Committee Executive Vice President, Willis Re September, 2012 1 DISCLAIMER
Supplement to the MFS 529 Savings Plan Participant Agreement and Disclosure Statement
MFS 529 Savings Plan Supplement to the MFS 529 Savings Plan Participant Agreement and Disclosure Statement March 2011 Participant overview This supplement provides an overview of the and s that you incur
GROW YOUR RETIREMENT INCOME EVERY DAY with Highest Daily Lifetime Income v3.0
GROW YOUR RETIREMENT INCOME EVERY DAY with Highest Daily Lifetime Income v3.0 Profile: Joe and Mary Smith Age: 62 Both plan to retire in 5 years Retirement Income Sources: 401(k)s Personal savings Social
DUE CARE BULLETIN. A Review of Indexed Universal Life Considerations. January Life insurance due
Life insurance due care requires an understanding of the factors that impact policy performance and drive product selection. DUE CARE BULLETIN A Review of Indexed Universal Life Considerations Indexed
New York s 529 Advisor-Guided College Savings Program
NOT FDIC INSURED NO BANK, STATE OR FEDERAL GUARANTEE MAY LOSE VALUE Program manager Ascensus Broker Dealer Services, Inc. Investment manager J.P. Morgan Investment Management Inc. August 2014 New York
Voya Indexed Universal Life-Global and Voya Indexed Universal Life-Global Choice Frequently asked questions
Voya Indexed Universal Life-Global and Voya Indexed Universal Life-Global Choice Frequently asked questions Understanding the indexed strategy What is indexed universal life insurance (IUL)? 2 What indexes
Indexed Universal Life vs. Term Insurance and Keogh Plan
Indexed Universal Life vs. Term Insurance and For: Laura Lake Johnson Presented By: [Licensed user's name appears here] Indexed Universal Life vs. Term Insurance and Preface A decision to acquire additional
Questionnaire for Suitability
400 EAST FOURTH STREET CINCINNATI, OHIO 45202-3302 1-800-677-9696 WWW.COLUMBUSLIFE.COM Questionnaire for Suitability CONFIRMING YOUR COURSE OF ACTION Your financial professional must have a reasonable
Fixed Annuity Compliance Form
Hilltop Securities Independent Network Inc. 1201 Elm St., Suite #3500, Dallas, TX 75270 Fixed Annuity Compliance Form Select One: Individual Joint Trust Other Non-Natural Entity (Specify) 1. Representative/
THE EXAMINATION OF PROSPECTIVE FINANCIAL INFORMATION. (Effective in relation to reports on projections/forecasts issued on or after April 1, 2007)
SAE 3400 THE EXAMINATION OF PROSPECTIVE FINANCIAL INFORMATION (Effective in relation to reports on projections/forecasts issued on or after April 1, 2007) Contents Paragraph(s) Introduction... 1-7 The
Guide to buying an offshore investment contract
Guide to buying an offshore investment contract What you should know before you buy Offshore investment contracts are only available for sale to nonresident aliens of the United States and are not subject
The Auditor s Report on Special Purpose Audit Engagements
Issued December 2007 International Standard on Auditing The Auditor s Report on Special Purpose Audit Engagements The Malaysian Institute Of Certified Public Accountants (Institut Akauntan Awam Bertauliah
Evaluating Investments versus Insurance in Retirement
Evaluating Investments versus Insurance in Retirement June 30, 2015 by Wade Pfau Retirement-income planning has emerged as a distinct field in the financial services profession. But because it is still
portfolio with 10-pay whole life insurance
A Type Retirement of Piece Strategy for Audience Individuals Headline Taming a 1 bear line market (34 42 pt. size) Optional in retirement supporting subhead 2 Adding lines max. flexibility (20 24 to your
MassMutual Transitions Variable Annuity
MassMutual Transitions Variable Annuity Issued by Massachusetts Mutual Life Insurance Company Massachusetts Mutual Variable Annuity Separate Account 4 This prospectus describes an individual or group deferred
Transamerica Advisor Elite SM II Prospectus May 2015
Transamerica Advisor Elite SM II Prospectus May 2015 A Flexible Premium Variable Annuity edelivery from Transamerica Less paper conserves natural resources No waiting for the mail Receive documents electronically
Risk Tolerance Questionnaire
Risk Tolerance Questionnaire Name Date Risk Tolerance Questionnaire R1 Describe your knowledge of investments. None Limited Good Extensive R2 What is your investment temperament? I am more interested in
Vanguard Institutional Target Retirement Funds. Annual Report September 30, 2017
Annual Report September 30, 2017 Vanguard Institutional Target Retirement Funds Vanguard Institutional Target Retirement Income Fund Vanguard Institutional Target Retirement 2015 Fund Vanguard Institutional
Merrill Edge Guided Investing merrilledge.com/guided-investing
merrilledge.com/guided-investing Wrap fee program brochure Please retain for your records Merrill Lynch, Pierce, Fenner & Smith Incorporated One Bryant Park New York, NY 10036 merrilledge.com 888.637.3343
Asset Allocation Recommendation
Asset Allocation Recommendation 06th Jul 2015 Prepared for: Your Relationship Manager : Table of Contents 1 RISK PROFILE... 3 2 INVESTMENT PROPOSAL... 4 2.1 Selected Model Asset Allocation...4 2.2 Proposed
Attract and keep the best people for your business
Executive bonus plan Plan sponsor guide Attract and keep the best people for your business NATIONWIDE BUSINESS SOLUTIONS GROUP Be sure to choose a strategy and product that are suitable for the long-term
The sale of an in-force life insurance policy is similar to the sale of a home or car:
Overview A life settlement may be a valuable financial option for policyholders who no longer have a need for their life insurance policies or can no longer afford the premiums. Instead of lapsing or surrendering