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For Producer Use Only. Not for Public Distribution.
Live Better,Leave MoreSM
Improve your clients’ retirementoutlook today & enhance theirwealth transfer tomorrow
For Producer Use Only. Not for Public Distribution.
Agenda
• The Live Better, Leave More strategy
• Case studies & action plan
• Identify potential clients & concerns
For Producer Use Only. Not for Public Distribution.
Identify Potential Clients & Concerns
For Producer Use Only. Not for Public Distribution.
• Retired or Close to Retired
• Single or Married
• Assets are meeting income goals
• Conflict between Leaving a legacy to children and spending in retirement
• May be interested in charitable giving
Do you Know this Client?
• In determining whether a client has sufficient “Excess Assets” to be considered appropriate for the Live Better/Leave More strategy, all future expenses, including potential emergency and long term care needs should be considered. All cases are subject to our standard underwriting guidelines regarding cash flow, net worth, premium outlay and need.
• Living on personal savings
• Typically moderate net-worth, BUT …
• Has Excess Assets
For Producer Use Only. Not for Public Distribution.
I believe that I have enough assets to provide me the income I need for the rest of my life. How do I best transfer my remaining wealth to my loved ones?
The Concern
For Producer Use Only. Not for Public Distribution.
The Live Better, Leave More Strategy
For Producer Use Only. Not for Public Distribution.
Evaluate client assets for wealth transfer goals.
Retirement assets designed for income can help clients Live Better. Tax-efficient assets can help them Leave More.
What is Live Better, Leave More?
For Producer Use Only. Not for Public Distribution.
• Bonds
• CDs
• Turn off Dividend Reinvest option on mutual funds
• Annuity with guaranteed withdrawal benefits
• Immediate annuity
• Charitable Remainder Trusts/Gift annuities
Potential Options to Live Better
For Producer Use Only. Not for Public Distribution.
• Life Insurance
• ILIT
• Dynasty Trust
• Charitable Trusts w/ Wealth Replacement Trusts
Potential Options to Leave More
For Producer Use Only. Not for Public Distribution.
Implementing the strategy
Evaluate Non-income Producing Assets for Wealth Transfer Efficiency5
1 Discuss Goals with Clients
2 Inventory Assets
3 Identify Current Income
4 Identify Potential for Greater Income
6 Implement the Plan
Discuss Goals with Clients
Inventory Assets
Identify Current Income
Identify Excess Assets
Evaluate Excess Assets for Wealth Transfer Efficiency
Implement the Plan
For Producer Use Only. Not for Public Distribution.
Reduces stressProvides method to fund legacy with
excess assetsPotentially increases net estate for beneficiaries by transitioning to income and estate
tax free asset
Benefits to Your Client
For Producer Use Only. Not for Public Distribution.
Deepens client relationshipsUncovers additional assetsIntroduces you to the
next generation
Benefits to You
For Producer Use Only. Not for Public Distribution.
Action Plan
Discuss Strategic Partnership1
Identify and Qualify Clients2
Schedule Time for Client Meetings 3
Set Client Meeting to Confirm Data, Identify Problems/ Solutions, Initiate Underwriting4
Deliver Presentation Materials if Required5
Implement Solutions6
Discuss Strategic Partnership
Identify and Qualify Clients
Schedule Time for Client Meetings
Set Client Meeting to Confirm Data, Identify Problems/ Solutions, Initiate Underwriting
Deliver Presentation Materials if Required
Implement Solutions
For Producer Use Only. Not for Public Distribution.
Important Information
The information contained in this document is not intended to (and cannot) be used by anyone to avoid IRS penalties. This document supports the promotion and marketing of insurance or other financial products and services. Clients should seek advice based on their particular circumstances from an independent tax advisor since any discussion of taxes is for general informational purposes only and does not purport to be complete or cover every situation.
MetLife, its agents, and representatives may not give legal, tax or accounting advice and this document should not be construed as such. Clients should confer with their qualified legal, tax and accounting advisors as appropriate.
Like most insurance policies, MetLife’s policies contain charges, limitations, exclusions, termination provisions and terms for keeping them in force. Consult the policy for costs and complete details.
Insurance Products:• Not A Deposit • Not FDIC-Insured • Not Insured By Any Federal
Government Agency • Not Guaranteed By Any Bank Or Credit Union • May Go Down In Value
BDVL21016 L0214360965[0215]© 2014 METLIFE, INC.; PEANUTS © 2014 Peanuts Worldwide.
Metropolitan Life Insurance Company200 Park AvenueNew York, NY 10166www.metlife.com