| Client Pieces (Back to Top) |
2009 Tax Tables
Description: Presents the tax tables for individuals, estate and gift taxes, Social Security taxes and a myriad of other uselul tax planning tables. Includes qualified plan limits. Courtesy of Lincoln Benefit Life. |
2010 Tax Tables
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Undertanding the Legal Reserve System
Description: The Life Insuance Industry has historically been one of the safest places to save money. |
| Disability Insurance (Back to Top) |
Rehabilitation - The Future of Individual DI
Description: Discusses why new Rehabilitation Riders are important. By Steve Brady |
| Estate Planning (Back to Top) |
EPS Sample Portfolio - 2004
Description: The Sample is available as an Adobe pdf file. There are 353 pages that include the new PAM, QIC and Portfolio documents with updated HIPAA language |
New ETA
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Planning for Non-US Citizens
Description: This commentary is to alert you to some of the special problems and unique planning opportunities which are present when a family member is not a U.S. citizen or resident. |
| IPG Materials/Quote Forms (Back to Top) |
How IPGs Website Can Help You Make Money!
Description: Over the past couple of years IPG has invested an extraordinary amount of time, money, and resources into the development, enhancement, and revision of our website. |
| IRAs (Back to Top) |
A Top Down Guide to Roth 2010
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In Service Rollovers
Description: Explains the means and opportunities available to complete in-service IRA Rollovers. Courtesy of ING/USA |
Inherited Letter For Beneficiaries
Description: This letter is a roadmap for IRA beneficiaries. A great sales tool to illusttrate what needs to be done to insure the stretch IRA |
Publlication 590
Description: Produced each year by the IRS, this publication is a good first source to turn for answers to IRA questions. |
Stretch IRAs
Description: A primer on stretch IRAs and how they can increase the weatlh and benefits for IRA beneficiaries. Courtesy of ING/USA |
| Life Insurance (Back to Top) |
3 Great Reasons To Buy Guaranteed UL
Description: Join the ranks of IPG agents who are utilizing the power of today’s great guaranteed UL products! The combination of improved mortality rates, table shaving underwriting programs and simplified issue products make these solutions work for all of you |
AZ Law-Unlimited Life Insurance Protection
Description: AZ House Bill amending original statute to reflect the change from $25,000 of protection to unlimited.
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| Long Term Care Insurance (Back to Top) |
Health Savings Accounts and Long-Term Care Insurance
Description: This release gives you information about Health Savings Accounts and Long-Term Care Insurance implications. |
LTC Consumer Presentation
Description: “Is Long-Term Care Insurance Part of Your Financial Planning and Asset Protection Strategy?” |
MONEYGUARD PowerPoint
Description: For Agent Use only. |
Women Drive LTC Sales
Description: National Underwriter article on how women tend to be the initiators in LTC sales. |
| Non-Qualified Annuities (Back to Top) |
A Sylabus on Indexed Annuities
Description: An excellent resource about the features and pricing of IA\'s. Courtesy of Lincoln Financial |
After Tax & Equivalent Taxable Yield
Description: Based on the 2009 Tax Tables, this is an excellent source to show the after and before tax yields comparing taxable versus tax deferred accounts. |
CD vs. Split Annuity
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Creditor Protection
Description: This compilation includes the state laws describing the conditions under which life insurance proceeds and related benefits are exempt from attachment by creditors. |
New 1035 Exchange Rules
Description: New rules allow exchange to existing policy. |
Partial Exchanges
Description: Standard Ins. Flyer on Partial Exchanges.In 2000, the Internal Revenue Service validated partial 1035 exchanges from non-qualified financial products, including tax-deferred annuities... |
Properly Structuring Non Qualified Annuity Contracts
Description: The correct structure for an annuity, that is, who should be the owner, annuitant and the beneficiary depends on your clients particular circumstance. This piece by LBL can help you determine what is appropriate for your client. |
Social Security Taxation
Description: This worksheet will help you estimate if you’ll pay taxes on your Social Security benefits. |
State Guarantee Limits
Description: Summary of statutory provisions setting forth state life and health insurance guaranty association limits of liability |
Tax Deferral
Description: Illustrates the advantages of tax deferral. |
The Annuity Investment - Doing It Right
Description: This is an excellent article by Paul M. League, QFP, CFP, which appeared in the California Broker Magazine. It covers the pitfalls in inproperly titleing non-qualified annuity contracts and provides suggestions for how to properly title annuity cont |
Who Is To Blame For High Annuity Lapse Rates?
Description: Several articles have been written about abnormally high annuity lapse rates. Generally speaking, much of the blame gets placed on agents and their lack of loyalty to insurers. |
| RMDs (Required Minimum Distributions) (Back to Top) |
Final Regulation Overview
Description: National Underwriter article providing overview of final requlations. |
Finalized Life Expectancy Tables
Description: Uniform and Single Life Expectancy Tables extracted from the final Regs. |
Finalized RMD Regulations
Description: Released April 17, 2002 |
| SEPP (Substantially Equal Periodic Payments) (Back to Top) |
Internal Revenue Code 72(q)
Description: This Code section is the source for the 10% penalty on non-qualified annuities and lists the exceptions to the penalty. |
Internal Revenue Code 72(t)
Description: This Code section is the source for the 10% penalty on premature distributions from qualified money and lists the exceptions to the penalty. |
IRS Notice 89-25
Description: Defines the calculations for Substantually Equal Periodic Payments |
SEPP Split Flyer
Description: Illustrates how an IRA can be split to generate SEPP from one ira while allowing a second IRA to grow. |
| TSAs (Back to Top) |
403(b) Final Regulation Summary
Description: This is a comprehensive summary of the final 403(b) TSA Regulations issued by the Treasury Department on 7/26/2007. This is must reading for those who are in this market or those who have cliens with 403(b) contracts. |
IRS Publication 571
Description: Produced each year by the IRS, this is a good initial source for most TSA questions. |
| Variable Annuities (Back to Top) |
What Can Your Clients Do with those Variable Annuity Losses?
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