Resources

Provide clients of any generation and at any life stage with the right solutions, at the right time in the right way. Watch a short video that provides an overview of the website and tools.

Sales Tools

Useful tools in selling the right solution at the right time in the right way.

Generation Station

• Access the tool
• View training video

IUL sales tool: Life To The Max

• Overview
• Access online tool

Term quoting tool: Rapid Rater

• Access online tool
• Download the app: Apple App Store or Google Play

Policy Review Playbook

• Access the worksheets, case studies and more

Beneficiary Review Playbook

• Access the how-to guide, client journals and more

For Business Owner/Estate Clients

• Go to the AIG Advanced Markets Portal for consumer material, a reference library, specimen documents, training & more

Sales Concepts

Useful concepts and information that can be tailored for specific life stages.

Life Insurance

• Single with No Kids? Why Buy Life Insurance?
• Individual vs. Employer (Group) Life Insurance
• Life Insurance: Cheaper than a Cup of Coffee
• Determine Right Amount of Insurance
• Protect Your Home with Life Insurance
• Protect Your Child's Education with Life Insurance
• Lifetime Income Replacement
• Economy's Impact on Insurance Needs
• Long-Term Coverage for Special Needs Dependent
• Term Insurance Beyond Your Working Years
• Multiple Term Policies Allow for Changing Needs
• Two GUL Policies When Needs May Reduce Over Time
• Big Estate ... Big Liquidity Needs
• Equalize Your Estate with Life Insurance
• Two GUL Policies When Estate Tax Liability May Decrease
• Same IUL premium as GUL
• Lower IUL premium as GUL
• GUL & Protection IUL Combination

Chronic Illness

• Protection for Chronic Illness Expenses (single parent)
• Protection for Chronic Illness Expenses
• Going On & Off Chronic Illness Claim

Retirement

• Protection From Outliving Retirement Assets
• Need More Retirement Income or More Guarantees?
• Life Insurance + Retirement + Chronic Illness = 10/10/10 plan
• Life To The Max Microsite: Retirement Income & Protection
• Income for Retirement and College with IUL

Calculators

A variety of worksheets and online calculators to help in your client's planning process.

Retirement Planning

• Retirement Planner
  Determine if retirement plan is on track
• Retirement Income
  Discover how much monthly income retirement savings will provide
• Retirement Shortfall
  Find a potential shortfall in your current retirement savings plan
• Social Security Benefits
  Estimate Social Security benefits

• Required Minimum Distribution & Stretch IRA Calculator
  Stretch out retirement distributions for as long as possible to avoid taxation
• 72(t) Calculator
  Determine the amount of penalty-free early withdrawals you can take from retirement accounts
• 72(t) Distribution Impact
  Analyze the effects of taking early distributions on retirement balances

• Beneficiary Required Minimum Distributions (RMD)
  Calculate RMD for the retirement account beneficiary
• Required Minimum Distribution
  Calculate RMD for an account owner over time
• Required Minimum Distribution for Current Year
  Calculate RMD for an account owner for the current year

Caring for Family

• Life Insurance Calculator
  Calculate how much life insurance is needed
• Life Insurance Needs Analysis Worksheet
  Calculate how much life insurance is needed
• Life Insurance for Income Replacement Worksheet
  Determine the amount of insurance needed to replace income
• Lifetime of Income Estimator
  Estimate replacement income using simple calculations

• Student Budget
  Help college students understand expenses and income
• Life Expectancy
  Based on current age, smoking habits, gender and other items
• Long Term Care Calculator
  Check financial readiness for this impending expense

• Estate Tax Calculator
  Estimate estate tax liability

Managing Assets

• Basic Financial Calculator
  Handle a range of time-value-of-money calculations
• Home Budget Analysis
  Analyze a personal budget
• Flexible Spending Account (FSA)
  See impact of FSA on taxes and take-home pay
• Health Savings Account (HSA) Savings Calculator
  Determine how much an HAS will be worth over time
• Lease vs. Buy
  Compare leasing versus purchasing a car

• Mortgage Loan Calculator
  Determine monthly payment and amortization schedule
• Mortgage Loan Calculator (PITI)
  Determine principal, interest, taxes and insurance payment (PITI), and amortization schedule
• Net Worth
  Determine net worth and estimate how it will grow/shrink over the next ten years

• Savings Plan
  See how much postponing a savings plan can really cost
• Asset Allocation Calculator
  Calculate a desirable mix of stocks, bonds and cash
• 401(k) Savings with Profit Sharing
  Determine how a 401 (k) plan can help save for retirement

Small Business Owner

• Amortizing Loan Calculator
  Choose between calculating loan payments or loan amount
• Investment Loan
  See the effect of using a loan to purchase an investment or appreciable asset

• Business Valuation - Discounted Cash Flow
  Calculate the Net Present Value of a business and illustrates projected growth
• Equipment Buy vs. Lease
  Compare leasing versus financing/buying equipment

• Financial Ratios
  Compare several business factors, such as solvency, liquidity, operational efficiency and profitability

Checklists

Multitude of checklists that help clients plan for major milestones

• Home Purchase
• Marriage/Remarriage
• Divorce
• Childbirth
• College Education
• Major Illness/Long-term Disability

• Care of Aging Parent
• Retirement
• Preparing for Death
• Executor
• Inheritance
• Surviving Relatives

• Business Start-up
• Estate Planning
• Succession Planning

Product Information

Multiple product resources available to meet your client's needs

Term

• Term Life

Cash Value Accumulation IUL

• Max-Accumulator+

Death Benefit Protection IUL

• Value+ Protector

Guaranteed Universal Life

• Secure Lifetime GUL 3