ADDITIONAL RESOURCES

Our hope as an Advanced Sales team is to provide you with the resources you need to properly design your next life insurance case. Below are the newest resources that our team has developed. If you have any questions on how to use these resources or need additional support please give us a call at 855.323.6923 or email us at advancedsales@aig.com.


Helpful Information

Applicable Federal Rates

Each month, the Internal Revenue Service provides various prescribed rates for federal income tax purposes. These rates, known as Applicable Federal Rates (or AFRs), are regularly published as Revenue Rulings. Please use the link above to access the monthly list of Revenue Rulings on the Internal Revenue Service website.

Download AFRs

Split Dollar One Year Term Rates

Please see our AG Ultra One Product Rate Sheet for current, one year term rates.

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Tax and Legal Updates

SECURE Act

The Setting Every Community Up for Retirement Enhancement (SECURE) Act of 2019 was drafted to assist in saving and investing for retirement. It contains a number of provisions to incentivize retirement planning, diversify the options available to savers, and increase access to tax-advantaged saving programs.

Presentation

Flyer for Individuals

Flyer for Businesses

Leaving your Legacy Case Study

Current Year and Prior Year Tax Tables

Click below for the 2020/2019 Tax Tables

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2020 Long-Term Care Per Diem Rate ($380) Announced

Periodic Payments Received Under Qualified Long-Term Care Insurance Contracts or Under Certain Life Insurance Contracts. For calendar year 2020, the stated dollar amount of the per diem limitation under § 7702B(d)(4), regarding periodic payments received under a qualified long-term care insurance contract or periodic payments received under a life insurance contract that are treated as paid by reason of the death of a chronically ill individual, is $380.  (See Section .61 of Rev. Proc. 2019-44)

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IRS Issues Final Regulation Confirming No “Clawback” for Gifts Made Under Expanded Transfer Tax Exemption

November 26, 2019

IRS Issues Final Regulation Confirming No “Clawback” for Gifts Made Under Expanded Transfer Tax Exemption November 26, 2019 "Because the increase in the basic exclusion amount does not apply for estates of decedents dying after December 31, 2025, it is expected that this guidance will prevent the estate tax computation under section 2001(g) from recapturing, or “clawing back,” all or a portion of the benefit of the increased basic exclusion amount used to offset gift tax for certain decedents who make taxable gifts between January 1, 2018, and December 31, 2025, and die after December 31, 2025." See more commentary and the final regulations.

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Sales Strategies

Sales Strategy: The Gift of Protection

Establishing a legacy and protecting future generations at the same time

Kevin and Hetal’s financial professional illustrates how a life insurance solution can potentially provide not only financial security for their grandchild, but also supplemental benefits for their daughter and grandchild throughout their lifetime. Creating a lasting legacy for generations and giving them the joy of seeing their legacy in action.

  • College funding for their grandchild
  • Sizeable down-payment for grandchild to buy a house
  • Supplemental, tax-free retirement cash flow for their daughter
  • Sizeable Future Legacy!

Assets Available:

  • Presentation
  • Case Study

Please contact your internal wholesaler (IW) for a copy of this consumer facing case study!

Don’t know your IW? Please call the sales desk for assistance: 800-677-3311

Sales Strategy: Protecting What Matters

And creating tax-efficient, supplemental retirement income with life insurance

Modern cash-value life insurance isn't your grandparent’s whole-life policy. While providing much needed death benefit protection, Index Universal Life (IUL) allows you to access insurance benefits while you're living... for life’s unexpected expenses! Unique features allow IUL to play a pivotal role in protecting your family and providing a tax-efficient, supplemental retirement benefit.

Declan and Shree’s financial professional illustrates how this strategy can provide not only supplemental income replacement protection, but also benefits to potentially last their lifetime.

  • College funding for their child
  • Tax Efficient, supplemental retirement cash-flow
  • A legacy for their family!

Assets Available:

  • Presentation
  • Case Study

Please contact your internal wholesaler (IW) for a copy of this consumer facing case study!

Don’t know your IW? Please call the sales desk for assistance: 800-677-3311

AIG Tax Diversification Consumer Guide

U.S. TAX RATES HAVE FLUCTUATED DRAMATICALLY OVER THE YEARS, AND WE HAVE VERY LITTLE CONTROL OVER THE RATES WE PAY FROM ONE YEAR TO THE NEXT.

This uncertainty can create problems when planning for retirement. Especially if you're worried about outliving your income. Stretching every dollar is important. Unexpected expenses can be catastrophic. And the possibility of higher tax rates can seriously impact the potential income you'll receive from your tax-deferred retirement assets.

The problem is you don't know where tax rates are going. And it does no good too simply cross your fingers and hope for the best. By implementing a tax diversification strategy, now, you'll have the future flexibility to not only control your taxation, but to take advantage of it!

Please contact your internal wholesaler (IW) for a copy of this consumer facing case study!

Don’t know your IW? Please call the sales desk for assistance: 800-677-3311


Additional Resources

Advanced Sales

Helping Professionals Attract and Retain Affluent & Business-Owner Clients

For your next advanced sales case, help is here. Contact us to get the answers you need to bring in your next big case.

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Case Design Tool: Financial Worksheets

Have you ever wished you could estimate the maximum coverage allowable for a client based on their financial situation before submitting an application?

NOW YOU CAN!!

With built-in calculations all you need to do is enter a few key facts about your client and you will instantly have the maximum amount of coverage they can qualify for based on their financial situation!

Adobe Acrobat required to run the internal calculations

Download Here