Life insurance isn’t always one size 昀椀ts all Not all life insurance needs are easily solved with a term policy. But permanent products aren’t always the right answer either. When clients realize their full need can’t be met with a single life insurance solution, they may feel intimidated and unsure where to turn. Clients need creative solutioning That’s why clients turn to you. They trust you to think creatively and 昀椀nd a solution that can 昀椀t their unique situation — and sometimes, that means strategically blending two unlikely products to work together cohesively. Here’s a creative approach to meet your clients’ life insurance needs through a blended solution strategy. Meet Thomas Age: 40 Underwriting Class: Non-Tobacco He needs life insurance protection that can ensure his wife can pay o昀昀 the mortgage and debt — in case he’s not around — while also covering his young children’s future college expenses. He’s willing to assume some market risk but doesn’t want to risk his death bene昀椀t coverage. After completing a life insurance needs analysis with his 昀椀nancial professional, they estimated he will need $500,000 in coverage. His 昀椀nancial professional presents considerations for two life insurance solutions: Type of Death Years of Monthly insurance Product bene昀椀t coverage premium Pros and cons option Pros: ® • Budget-friendly term policy Short-term Protective • Meets his immediate needs coverage Classic $500,000 20 Years $54.80 Choice term Cons: • Won’t deliver coverage later in life Pros: ® • More comprehensively 昀椀ts his coverage needs Lifetime Protective • Potential for uncapped cash value accumulation coverage Strategic $500,000 Lifetime* $288.66 Objectives II VUL Cons: • Can’t a昀昀ord the monthly premium *Depending on product/market performance. For Financial Professional Use Only. Not for Use With Consumers.