Permanent life insurance Consider offering permanent protection if An asset your clients: Permanent life insurance provides coverage Want coverage to last a lifetime that can last a lifetime and can be tailored to your specific clients’ needs and offer advantages Desire the ability to customize their policy outside of death benefit protection — like a with flexible features guaranteed lifetime death benefit, living benefits like long-term or chronic illness care, and potential Want to add living benefits to their policy for tax-advantaged cash value accumulation and (i.e., long-term care coverage, a chronic income. illness rider, waiver of premium, etc.) Because these solutions provide lasting benefits, Need a solution for advanced planning, it’s important for clients to understand that these such as business continuation or key person products can be considered an asset and become protection. an essential part of their comprehensive financial plan. Are looking for ways to manage their assets using an estate planning strategy This type includes guaranteed universal life, whole life, indexed universal life and variable universal Want both a death benefit and the potential life policies. for tax-advantaged cash value growth Want to access the policy’s cash value for tax-free retirement income Have a desire to fund a wealth transfer plan For Financial Professional Use Only. Not for Use With Consumers. 13