Sequence of Returns
How can life insurance help your clients with the sequence of returns in retirement?
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Sequence of Returns in retirement is common consideration in retirement planning. Â We have sound life insurance planning techniques that are designed to maximize client's assets and minimize risk in retirement.
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From The Advisor
"The quote team at NFG Brokerage was able to build a great comparison to get my case across the finish line. Â The client loved the concept and our solution saved them significant money over their retirement."Â
Client
Steve & Joan age 67 just beginning retirement.
Challenge
Steve & Joan are worried about starting their retirement during a negative stock market year.
Solution
Thankfully the advisor had recommended Cash Value Life Insurance when they were in their 40's. Â They will be able to take income from these life insurance policies during the negative years in the stock market.
Results
This solution provided a modeled excess when starting retirement during negative years of $614,371 and $275,751 when starting retirement during positive years. Â This solution also provides a death benefit for legacy planning, the potential for Chronic or Critical Illness coverage, and can be used to pay taxes or supplement income if retirement begins in a positive year.