How Advisers Can Use a VUL to Meet Multiple Client Needs
If you are an RIA who has not considered life insurance as part of a comprehensive financial plan…
If you are an RIA who has not considered life insurance as part of a comprehensive financial plan for your clients, you might want to take a new look, especially at fee-based variable universal life Insurance. This flexible product can help meet some important needs in your clients’ financial plans while allowing you to engage your clients more deeply and to build the value of the client-adviser relationship.
For example, say you have a 40-year-old married, male client who needs the security of life insurance to provide for his loved ones in the event of a premature death, but he also is interested in investing in the market so he has the opportunity to accumulate money that he can use for a variety of purposes.
A good option for him may be an Ameritas Advisor VUL® with a death benefit of $500,000 and a monthly premium of $400. The Ameritas Advisor VUL provides several advantages, including:
Ameritas Advisor Services makes it seamless for you to provide your clients with a no-load VUL. There is no contract or appointment paperwork for you to sign. You always have access to our support team to answer product questions, run illustrations, help you analyze existing policies, complete applications, and helping you implement new VUL strategies for your clients’ portfolios.
Plus after the policy is issued, you’ll have on line access to view the policies, trade amongst the investment options and get data feeds to your portfolio management software. This allows you to provide ongoing management of the VUL as part of your clients’ total portfolio.
You also don’t have to introduce another professional into the relationship. You and your client work directly with Ameritas . You maintain control and you help to establish yourself as the quarterback of your client’s financial life.
And that, in turn, allows you to bring additional value to the adviser-client relationship. You can demonstrate your ability to think creatively and to look at all possible ways to help your clients build strong financial futures.
The Ameritas Advisor ServicesTeam is focused on helping you maintain your independence and objectivity by providing straightforward, low-cost strategies. No product push and no conflicts for your business. Let our salaried professionals show you how the Ameritas Advisor VUL® can help your clients meet those needs. For more information call Ameritas Advisor Services at 800-255-9678 option 3 or e-mail us at [email protected] .
*Assumes cost of insurance charges for a 40 year old male, Preferred Plus rate class. The net rate includes assumed weighted average fund management expenses of 0.522%, and daily deduction of the Risk Charge (at a current annual rate of 0.70% in years 1-15, 0.10% in years 16+; 0.90% maximum in years 1-15, 0.30% in years 16+). Actual fund management expenses will differ by portfolio. Other charges include: Premium Charge (3.5% current, 5% maximum), Monthly Administrative Charge ($7.50 per month current, $10.00 per month maximum).
Ameritas Advisor VUL® (Form 4051) is issued by Ameritas Life Insurance Corp. and underwritten by affiliate, Ameritas Investment Corp.
Variable products are subject to investment risk, including possible loss of principal. Before investing, carefully consider the investment objectives, risks, charges and expenses, and other important information about the policy issuer and underlying investment options. This information can be found in the policy and investment option prospectuses. Prospectuses are available online at ameritasdirect.com , or you can obtain copies from us at 800-255-9678. Read the prospectus carefully before investing. Product not approved in New York.
PF 651 ed 7-14
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