AIG
Long Term Illness Expenses
WHO DO YOU KNOW WHO…
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May have owned a standalone long-term care policy with increasing premiums?
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Has extra discretionary income and a net worth of $250,000 or more (excluding primary residence)?
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Is concerned about threats to their future financial stability?
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Is currently providing financial support to parents, or
knows someone that is?
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Knows someone who has been in a nursing home or needed attentive medical care?
Major Life Changes
WHO DO YOU KNOW WHO…
- Has had a major life change:
- Marriage, or divorce?
- New child/children, or child off to college? • New home, or adult child return home?
- New job, or new business?
Legacy Planning
WHO DO YOU KNOW WHO…
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Is concerned about potential long-term care expenses?
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Has an interest in using their assets to guarantee inheritance to their children?
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Lives a thrifty life to maintain/enhance the value of their legacy?
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Looks for ways to provide each child an even share of the legacy?
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Has excess assets in their portfolio that they have put aside for their legacy?
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Has an interest in leaving a substantial charitable donation?
Tax Diversification
WHO DO YOU KNOW WHO…
- Is highly committed to his/her financial future?
- Help to manage the tax treatment of retirement assets—resulting in the potential for higher net income during retirement years.
- Wants diversification and tax-favored growth in their plan? • Is between the ages of 30 – 55 and generally healthy?
- Currently owns or has recognized a need for additional life insurance?
Small Business
WHO DO YOU KNOW WHO…
- Wants to keep the business “family owned and operated” after their death?
- Wants to help ensure the business can be sold for fair market value in the event of their death, disability, or other unexpected event?
- Wants to provide supplemental retirement benefits for themselves or other key employees?
- Wants to provide their children with equal inheritance even if one or more of their children will not be involved in the future of the business?
- Could face significant costs to replace key employees?