© 2023 Prudential Financial, Inc. and its related entities. Prudential, the Prudential logo, and the Rock symbol are service marks of Prudential Financial, Inc. and its related entities, registered in many jurisdictions worldwide. 1055272-00003-00 Ed. 01/2023 ISG_WE_ILI178_01
Created Exclusively for Financial Professionals. Not for Use with Consumers.
Life insurance is issued by Pruco Life Insurance Company (except in NY), and Pruco Life Insurance Company of New Jersey (in NY). Variable universal life policies are offered through Pruco Securities, LLC. All are Prudential Financial companies located in Newark, NJ. This material is being provided for informational or educational purposes only and does not take into account the investment objectives or financial situation of any clients or prospective clients. The information is not intended as investment advice and is not a recommendation about managing or investing a client’s retirement savings. Clients seeking information regarding their particular investment needs should contact a financial professional. We do not provide tax, accounting, or legal advice. Clients should consult their own independent advisors as to any tax, accounting, or legal statements made herein.
Accessibility
Contact your Prudential Wholesaler or call 844-606-7867.
Who’s Your Rock?
Closing the Year Strong
Versatility of Life Insurance
Myths and Misconceptions
Life Insurance Awareness Month
Closing the Year Strong - coming soon
Myths and Misconceptions - coming soon
Trust Planning
High-Net-Worth Planning
Business Planning
Changing Interest Rates
Sunsetting Tax Provisions
Complete the Dream
Retirement Planning
New Year, New Market
You’re their rock. We’re here to be yours.
Meet clients’ evolving retirement challenges with ideas and tools to start the conversation. We’ll help you analyze and implement strategies to help clients achieve their goals.
You can grow and strengthen your practice by diversifying clients’ strategies using life insurance. Clients will get solutions to their challenges and be in a better position to move into the future with confidence. You’re their rock. We’re here to be yours.
Sunsetting Tax Provisions - coming soon
Complete the Dream - coming soon
Retirement Planning - coming soon
New Year, New Market - coming soon
Offering our industry-leading sales support end to end.
Get sales ideas every month from our Advanced Planning team.
Grow your knowledge base and watch replays on demand.
Trust Planning - coming soon
High-Net-Worth Planning - coming soon
Business Planning - coming soon
Changing Interest Rates - coming soon
Versatility of Life Insurance - coming soon
Life Insurance Awareness Month - coming soon
Premiums will be reduced effective January 9, 2023.
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Coming in February: Retirement Planning
A very popular resource during tax season.
Get sales ideas every month.
Premiums are going down, effective 1/9.
Get up to speed on this innovative policy.
93% approval rate on accelerated decisions.
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Prudential’s eCapabilities work together to simplify and speed up the entire life insurance process.
A seamless, digital experience from start to finish.
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Questions help drive to a product suggestion.
Stresses 3 steps to determine if a client’s current plan is good enough.
Client-approved piece that asks questions to spark conversations.
Use a new approach to help clients combat inflation, market volatility, and higher health care costs. Conduct a holistic review of a client’s financial plan and gauge its health.
1065701-00001-00 Ed. 01/2023 ISG_WE_ILI179_01
Clients should consider the investment objectives, risks, and charges and expenses carefully before investing in the contract and/or underlying portfolios. The initial summary prospectus for the contract, the prospectus for the index strategies, and the prospectus or summary prospectus for the underlying portfolios (collectively, the “prospectuses”) contain this information as well as other important information and may be obtained by contacting your Prudential Life Wholesaler or from prudential.com. Clients should read the prospectuses carefully before investing. Life insurance is issued by Pruco Life Insurance Company (except in NY), and Pruco Life Insurance Company of New Jersey (in NY). Variable products are offered through Pruco Securities, LLC (member SIPC). All are Prudential Financial companies located in Newark, NJ. This material is being provided for informational or educational purposes only and does not take into account the investment objectives or financial situation of any clients or prospective clients. The information is not intended as investment advice and is not a recommendation about managing or investing a client’s retirement savings. Clients seeking information regarding their particular investment needs should contact a financial professional. Prudential FlexGuard Life and all product features are not approved for use in all states or through all broker-dealers. Not available in New York. We do not provide tax, accounting, or legal advice. Clients should consult their own independent advisors as to any tax, accounting, or legal statements made herein.
Do you have a source for protected or supplemental income?
Are you interested in flexible financial options should you incur a chronic or terminal illness?
When was the last time you reviewed your policy to make sure it still meets your goals?
What type of life insurance coverage do you have in place?
Chronic Illness concerns
Wants to transfer wealth tax efficiently to the next generation
Concerned about taxes and market volatility
Wants supplemental retirement income
Inflation
Chronic Illness
Outliving Retirement Savings
Market volatility
It allows you to do Policy Performance Review, gives Notifications and Alerts, creates a LifeInsight Summary, and has a Scenario Builder.
It simplifies monitoring policy goals, assumptions, and performance.
Prudential’s proprietary, patented, interactive policy management tool.
If the stock market’s historical trends hold true, a patient investor who absorbs short-term volatility can benefit over the long term.
Investors who cash out not only could lock in investment losses but could also miss out on longer-term gains as the market recovers, hurting their chances of achieving long-term financial success.
Don’t underestimate the impact inflation can have in retirement.
At a 4% interest rate, $100,000 today will only be worth $45,639 in 20 years or $30,832 in 30 years!
Even modest rates of inflation can have a significant impact on purchasing power in retirement.
There are two buffered index strategies: Cap Rate 10% and Step Rate Plus 10%.
It focuses on historical data; shows how valuable a 10% buffer would have been and could be.
Gives details around how the innovative buffered index strategies work.
Details the ways life insurance can address inflation risk and puts it all together for you.
Showcases how longevity and market volatility magnify the risk of inflation.
An eye opening chart illustrates how inflation can create a shortfall even for clients with a solid retirement income plan.
Even if inflation moderates to 4% today, it will still reduce the average retiree’s purchasing power by 56% in 20 years.
Life insurance can help offset the risk of market uncertainty.
The order of returns doesn't matter when saving, but it does when withdrawals begin.
Considers how the timing of retirement with negative market returns could impact how long their money will last.
Use these resources to bring the sales concept to life.
in your next holistic review of a client’s plan as an innovative option.
®
Consider Prudential FlexGuard Life IVUL
Are you confident that your savings will last, given the current economic landscape?
© 2023 Prudential, the Prudential logo, and the Rock symbol are service marks of Prudential Financial, Inc. and its related entities, registered in many jurisdictions worldwide.
Rising inflation, increased market volatility, geopolitical uncertainty, and a changing but likely rising tax environment are all factors creating a perfect storm for retirement planning.
Term Essential® Premiums reduced by 9% on average.
Easy Reference Tax Guide 2023
2022 Trimester Resource
The Prudential Advantage
Webinars
Life Insurance Awareness
Life Insurance Awareness - coming soon
Life Insurance Truths
Trimester 3
Advanced Strategies
Trimester 2
Economic Landscape
Trimester 1
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Thursday, January 12, 2:00 PM ET
Presented by J.P. Morgan
2023 Market Outlook
Webinar
10 minutes
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1066629-00001-00 Ed. 02/2023 ISG_WE_ILI186_01
Federal tax law limits the amount of premium contributions that can be made to a policy in order for it to retain certain tax advantages. When premium contributions exceed this limit, the policy is classified as a modified endowment contract (MEC). Distributions from MECs (such as loans, withdrawals, and collateral assignments, including distributions made in the two years prior to becoming a MEC) are taxed less favorably than distributions from policies that are not MECs to the extent there is gain in the policy. For distributions from a MEC prior to age 59½, a federal income tax penalty may apply to the extent there is gain in the policy. However, death benefits are still generally received income tax-free pursuant to IRC §101(a). The death benefit will be reduced by any withdrawals or loans (plus unpaid interest). Clients should consult a tax advisor.
Coming in March: Complete the Dream
One of the most popular resources during tax season.
Celebrities who failed to plan and the cost to their estates.
Case study delves into a couple’s need for retirement planning.
Cash value life insurance can help address all of the main risks and then some
A client’s nest egg has become the primary source of income in retirement.
Life insurance can be a great addition to any retirement portfolio to help reduce overall exposure to taxes
The current environment requires retirement strategies that address taxation and provide sources of supplemental retirement income.
The LIRP strategy has a policy design that minimizes the death benefit and maximizes the premiums paid to try to accumulate as much cash value as possible.
Tax advantages are at the core of a LIRP strategy.
Summarizes a 4-step turn-key approach from Prudential.
Expands upon the SECURE Act of 2019 to further encourage more businesses to offer a retirement plan to their employees and encourage employees to save for retirement.
Summarizes 16 key provisions that may impact a client’s retirement planning
New buffered index strategies give greater potential for upside growth with downside protection.
Why FlexGuard Life may be a powerful asset to help meet a client’s retirement needs.
In our current environment, with an increased risk of inflation, longevity, and market volatility, it's more important than ever to create retirement solutions that can last.
Power of FlexGuard Life in Retirement Planning
Are you interested in the possibility of using life insurance to supplement your retirement income?
Are you looking for ways to generate additional retirement income?
Have you maxed out your contributions to qualified savings programs, like a 401(k)?
Do you stay invested when the market falls?
Have you reviewed your retirement plan and considered how inflation and market volatility may impact your overall goals?
Small business owners
Traditional retirement assets are well-funded
Wants increased income in retirement and needs death benefit protection
Under age 55; High-net-worth/High-income earner
Thurs, February 16, 2:00 PM ET
FlexGuard Life in Retirement Planning
FlexGuard® Life in Retirement Planning
Look at policy growth potential from the viewpoint of cost vs. benefit of ceilings, buffers, and floors.
A Franklin Templeton visual analysis and comparison of how IUL, VUL, and IVUL policies may have performed.
In 2023, use clients’ risk tolerance as a key factor when considering market-linked life insurance as part of their retirement plan. A policy with down market protection and upside potential could be a smart strategy.
Do you have a need for death benefit protection?
Help clients protect that income from the three main risks: uncertain markets, rising costs, and longer life spans
Black consumers are more likely to worry about having enough for retirement, debt, and bills.
For Clients:
1067348-00002-00 Ed. 03/2023 ISG_WE_ILI190_01
Clients should consider the investment objectives, risks, and charges and expenses carefully before investing in the contract and/or underlying portfolios. The initial summary prospectus for the contract, the prospectus for the index strategies, and the prospectus or summary prospectus for the underlying portfolios (collectively, the “prospectuses”) contain this information as well as other important information and may be obtained by contacting your Prudential Life Wholesaler or from prudential.com. Clients should read the prospectuses carefully before investing. Life insurance is issued by Pruco Life Insurance Company (except in NY), and Pruco Life Insurance Company of New Jersey (in NY). Variable products are offered through Pruco Securities, LLC (member SIPC). All are Prudential Financial companies located in Newark, NJ. This material is being provided for informational or educational purposes only and does not take into account the investment objectives or financial situation of any clients or prospective clients. The information is not intended as investment advice and is not a recommendation about managing or investing a client’s retirement savings. Clients seeking information regarding their particular investment needs should contact a financial professional. We do not provide tax, accounting, or legal advice. Clients should consult their own independent advisors as to any tax, accounting, or legal statements made herein. All guarantees and benefits of the insurance policy are backed by the claims-paying ability of the issuing insurance company and do not apply to the underlying investment options. The BenefitAccess Rider is an optional rider that accelerates the life insurance death benefit when the insured is terminally ill or is chronically ill as defined in the rider. It is not Long-Term Care (LTC) insurance. Benefits received under the rider will reduce and may deplete the death benefit. Electing the BenefitAccess Rider results in an additional charge and underwriting requirements. Some benefit payments may be subject to a fee. Other terms and conditions apply and can vary by state. Clients should consult their tax and legal advisors.
Coming in April: Sunsetting Tax Provisions
Insights and ideas.
Life insurance needs in the women’s market and how you can help.
Shows how federal and state estate taxes can diminsh a legacy.
Almost everyone is affected by income taxes, especially if unused retirement funds are a significant part of the estate.
This guide will help you understand the taxes that have the potential to erode the value of your estate.
It can also be a source of income to use in down markets instead of pulling money out of invested assets.
Lead actionable conversations around market volatility.
Is your wealth transfer plan tax efficient?
Do you have a plan in place should you become chronic or terminally ill?
Have you considered how life insurance can be used to protect the amount of wealth you leave for your loved ones?
Are you worried about how market volatility could impact your legacy?
Legacy
Desire to leave a legacy to children, grandchildren, or charity
Assets set aside for legacy purposes and not needed for support in retirement
Minimum net worth $500,000 - $1,000,000
Age 59 1/2 and older
Talk to women about the effects of uncertain markets on their retirement and legacy plans.
Case study illustrating the strategy.
Step-by-step info about how the Complete the Dream strategy works to offset uncertainty.
Clients who dream of leaving a legacy may see it diminish to volatile markets, inflation, and health care expenses. Talk to them about how life insurance can help make their dream complete.
Thurs, March 9, 2:00 PM ET
Fulfilling a legacy
Common questions are answered including application and underwriting, service, claims, taxes, and Survivorship BenefitAccess Rider.
Quickly answer the most commonly asked questions about BenefitAccess Accelerated Death Benefit Rider (BenefitAccess).
Jane uses life insurance as a supplemental income source.
One or more years of down markets at the start of retirement can wreak havoc on retirement savings.
Raises an important question: What if you retire the same year the market is down?
Repositioning legacy assets using life insurance can protect and potentially enhance a client’s legacy.
Life insurance can help remove or lessen the impact of market volatility.
Market volatility and other risks can jeopardize a dream to leave a legacy.
Infographic illustrates the concept.
Life insurance can make it possible to complete the dream through stability, flexibility, and protection.
How to fulfill your dream of leaving a legacy despite market volatility, inflation, and tax erosion.
Quick bullets on how life insurance can help build a legacy.
Life insurance is a source that could supplement retirement income.
%
85
75
50
25
10
5
87
87%
1068161-00001-00 Ed. 04/2023 ISG_WE_ILI191_01
Clients should consider the investment objectives, risks, and charges and expenses carefully before investing in the contract and/or underlying portfolios. The initial summary prospectus for the contract, the prospectus for the index strategies, and the prospectus or summary prospectus for the underlying portfolios (collectively, the “prospectuses”) contain this information as well as other important information and may be obtained by contacting your Prudential Life Wholesaler or from prudential.com. Clients should read the prospectuses carefully before investing. Life insurance is issued by Pruco Life Insurance Company (except in NY), and Pruco Life Insurance Company of New Jersey (in NY). Variable products are offered through Pruco Securities, LLC (member SIPC). All are Prudential Financial companies located in Newark, NJ. This material is being provided for informational or educational purposes only and does not take into account the investment objectives or financial situation of any clients or prospective clients. The information is not intended as investment advice and is not a recommendation about managing or investing a client’s retirement savings. Clients seeking information regarding their particular investment needs should contact a financial professional. We do not provide tax, accounting, or legal advice. Clients should consult their own independent advisors as to any tax, accounting, or legal statements made herein.
The 2026 federal estate tax exemption is scheduled to be $5 million, adjusted for inflation. As such, this is a projected estimate of the 2026 exemption and is subject to change and/or a different inflation calculation. This projection is shown for illustrative purposes.
Coming in May: Changing Interest Rates
Learn how these illustrations can be used with clients.
Effective 04/24/23.
10 questions for clients for a solid plan.
Estate Planning Checklist
See how an Irrevocable Life Insurance Trust (ILIT) works in this design.
Step through ways to make clients’ exclusions and exemptions work harder.
Creating a lifetime legacy by using annual and lifetime gifting for life insurance.
More opportunities that exist now for clients while there is still time.
Presentation shows the impact to clients’ retirement plans resulting from the SECURE 2.0 Act.
The federal estate tax exemption is set to be cut in half in 2026, subjecting many more taxpayers to this tax.
Greenbook contains nearly 80 different revenue proposals, and this article covers a few of them.
Find highlights of select provisions that would affect trusts, estates, and higher individual income earners.
Thursday, March 9, the Treasury released its general explanations of the Biden Administration’s $6.9 trillion budget for fiscal year 2024, known as the Greenbook.
An example of state death tax planning is included to show the impact to the wealth transferred to heirs.
17 states plus DC impose an estate or inheritance tax.
Clients may be overlooking the impact of state death taxes on their legacy planning.
Are you interested in making gifts during your lifetime and would you enjoy seeing your loved ones use such gifts?
Are you inclined to leave more to family, less to government?
Would you like to reduce your future estate tax exposure?
Do you have a will or a trust? If yes, when was the last time they were reviewed?
Tax
Desire to minimize taxes
Has a desire to leave a legacy to loved ones, including children and grandchildren, or a favorite charity
Net worth $5 million+
A client’s 1040 can be a helpful tool in uncovering planning needs.
See how the income tax rates will increase.
Review valuable estate planning opportunities that will sunset in a few short years.
Deadline to take advantage of certain tax opportunities is 12/31/25.
The sun is setting on the planning opportunities that still exist today under the Tax Cuts and Jobs Act of 2017 (TCJA). Plan now while federal estate tax exemptions are at an all-time high and income tax brackets are lower.
Thurs, April 6, 2:00 PM ET
Planning Opportunities in the Current Environment
Improved pricing and features
Do you have a favorite charity you’d like to support after your death?
Would you be interested in a tax-efficient way to leave a legacy?
Review the imminent changes with the sunsetting of the Tax Cuts and Jobs Act of 2017.
A customized illustration can be made for clients. Contact your RVP.
See how a client’s estate can be affected by federal and state estate taxes.
Basic estate tax calculator from PruDesigns gives a thorough history of federal estate taxes and current state estate and inheritance tax rates.
1069363-00001-00 Ed. 05/2023 ISG_WE_ILI198_01
Coming in June: Business Planning
History favors equity investors after negative years.
Don’t let an aggressive FED take you off course.
Case Study: Founders Plus Indexed UL with BenefitAccess Rider.
DOWNLOAD
Breaks down the benefits of Essential UL for clients.
Includes a brief case study of client, Maria, and how Essential UL meets her needs.
Explains what type of life insurance policy Essential UL is and how it can meet a client’s protection needs.
NOTE: Founder’s Plus has been repriced, effective 4/24/23.
Includes details about the indexed accounts, riders, and options available to customize their policy.
See the key details about the Founder’s Plus product.
Contact your RVP to get started using PruDesigns.
Includes a section on common questions that a client may ask when establishing a CRT.
A PruDesigns Charitable Remainder Trust illustration can provide a client with a customized explanation and proposal designed to meet their needs.
Review the advantages and tax considerations.
Learn about the various CRT structures and view the Illustrated flow chart to understand how it works.
Get the basic details of a Charitable Remainder Trust, and the advantages it can offer to charitably inclined clients.
Review a case study to see how a CRT is used in an example.
Tax benefits for using a Charitable Remainder Trust are outlined.
Find out how to create a charitable legacy using a CRT and life insurance.
Review tax considerations to help determine if this might be right for clients.
Details how life insurance can play a part in this strategy.
Introduces a QPRT, an irrevocable trust to which you can transfer your personal residence or vacation home at a reduced gift tax cost, while retaining possession and shifting future appreciation out of your estate.
Do you have a history of chronic illness in your family?
Are you more comfortable with a policy that offers downside protection to avoid market-based loss?
When was the last time you reviewed your policy to see if it’s on track to reach your goals?
Do you have an existing policy in place that can provide income protection for you or your loved ones?
Seeks upside potential with downside protection
Needs cost-effective death benefit protection and living benefits for chronic illness
Ages 45–75, Household Income = 50k+ Conservative to moderate risk tolerance
Founders Plus IUL and Essential UL
What are the investing implications of higher rates?
What causes interest rates changes?
Most consumers associate higher interest rates with paying higher interest on loans. However, higher rates can positively and negatively impact areas like savings accounts, investments, and insurance policies. This has created a new market reality. Reacquaint yourself with products and strategies that may be more attractive now.
Thursday, May 11, 2:00 PM ET
Interest Rates, Investments, Inflation, and Insurance
Help Relieve a Client’s Policy Loan Burden
May have an existing cash value policy with an outstanding loan
Written to help clients understand what life insurance is and why they need it.
Coming in July: High-Net-Worth Planning
A solution to attract and retain quality employees.
Financial underwriting for business
How to position a case for smooth underwriting.
Watch how Dawn Fitch made her dream a reality despite having MS.
For Clients
Executive bonus or a restrictive executive bonus arrangement is a way for business-owner clients to provide needed life insurance to a key employee to retain individuals critical to the business.
This illustration can provide a client with a customized explanation and proposal designed to meet their needs.
Includes benefit explanation to the business/employer and the executive.
Use it to capture necessary details about a client’s business.
Worksheet to help you determine the best course of action for business continuation.
Uncover needs based on the specifics of a particular client and their business.
Worksheet to help you gather facts about a small business client.
See how life insurance can solve common business owners’ challenges.
Find out about the extent of opportunity in this market.
Uncover strategies and solutions in the small business market.
Explains the idea, advantages, disadvantages, and more.
Detailed interactive list of 11 strategies for small businesses.
Are you concerned about chronic illness for yourself or your spouse?
Could your business continue without you or another key person?
Are you counting on your business for your retirement income?
Who would you like your business transferred to?
How are you going to transfer the business tax-efficiently?
Retirement
Business Continuation
Is concerned about business continuity
Owns a business
Prepared conversation starters for your next client meeting.
Introduces strategies to capitalize on opportunities.
Understand how a business stage impacts planning needs.
Just one conversation with a business owner initiates exponential opportunities. These lie in the varied needs of the business itself, and in the personal planning needs of the business owner and employees, as well as family members. Bring this idea to life ...
Thurs, June 8, 2:00 PM ET
Business Continuation: Preparing to pass it on
Review different funding options for a Buy-Sell Agreement, including life insurance.
A properly structured Buy-Sell Agreement is one of the most powerful tools for managing the transition of a company’s ownership.
A guide to Buy-Sell Agreements using life insurance.
Includes an overview of common forms of Buy-Sell Agreements.
Worksheet inside to help identify a business’ current situation and need.
Focus on the needs surrounding business continuation, executive compensation, and retirement.
Help clients protect the future of their business using insurance strategies.
Wants to help assure that all business owners and their heirs are treated fairly in the event of death, disability, or retirement
If you sold your business today, could you get the value you want?
Combines key-person coverage with split dollar to provide protection for both client’s business and its key employees.
1070192-00001-00 Ed. 06/2023 ISG_WE_ILI214_01
© 2023 Prudential Financial, Inc. and its related entities. Prudential, the Prudential logo, and the Rock symbol are service marks of Prudential Financial, Inc. and its related entities, registered in many jurisdictions worldwide.
Life insurance is issued by Pruco Life Insurance Company (except in NY), and Pruco Life Insurance Company of New Jersey (in NY). Variable products are offered through Pruco Securities, LLC (member SIPC). All are Prudential Financial companies located in Newark, NJ. This material is being provided for informational or educational purposes only and does not take into account the investment objectives or financial situation of any clients or prospective clients. The information is not intended as investment advice and is not a recommendation about managing or investing a client’s retirement savings. Clients seeking information regarding their particular investment needs should contact a financial professional. We do not provide tax, accounting, or legal advice. Clients should consult their own independent advisors as to any tax, accounting, or legal statements made herein.
Coming in August: Trust Planning
Life Insurance in Retirement Planning.
No step-up in basis for certain assets held in an irrevocable grantor trust.
Insights & Ideas
Many provisions of the Tax Cuts and Jobs Act of 2017 are sunsetting soon.
An Asset Sale to a Grantor Trust is a way to help enhance a legacy and reduce future tax exposure.
Intra-Family Loan is a way for affluent clients to “recycle” family money, moving it from one family account to another to minimize paying gift taxes when paying large premiums.
Private split dollar arrangements combine the tax benefits of an irrevocable trust with the flexibility of split dollar life insurance premium payments.
This type of trust can help clients pass on their monetary and non-monetary values, plus it can be designed to last into perpetuity.
Explains how the strategy works and provides graphic representations to help clients understand it.
Find details on how the trust works and some guidelines.
Details how to create multi-generational wealth using a Dynasty Trust.
Provides the basic details of how this arrangement can work. Includes a chart and explanations.
Explains how this strategy combines the tax benefits of an irrevocable trust with the flexibility of split dollar life insurance premium payments.
Find the key considerations for three different strategic options.
Different strategies can be employed by clients to pay premiums on large life insurance policies.
Would you rather leave your legacy to your family and the government or your family and a favorite charity?
Are you worried about liquidating your significant assets or reducing your potential cash flow as part of your wealth transfer plan?
Have you fully leveraged your federal estate and gift tax exemption amount?
Does your estate plan address the potential erosion of the legacy you leave behind due to federal and/or state estate and inheritance taxes?
Taxes
Financially sophisticated
Interested in passing on a meaningful legacy, which may include values and traditions important to them
Has substantial assets valued in excess of state/federal estate and gift tax exemption
Age 55 and older
Premium paying strategies that help find a way to pay life insurance premiums without making substantial gifts.
Estate planning strategies to help efficiently transfer wealth.
High-net-worth clients require sophisticated planning, especially given the upcoming sunsetting of key provisions of the TCJA and today’s economic environment. Give them specialized strategies that can help them leave a legacy for future generations.
Thurs, July 13, 2:00 PM ET
Estate Planning for High-Net-Worth Clients
Wants to minimize estate and gift taxation
May have no exemption amount left
In addition to protection coverage, these strategies can help to enhance wealth and reduce taxes.
Includes a discussion to help clients pass on their financial, core, intellectual, and social capital.
An estate strategy using life insurance, a family foundation, and a wealth replacement trust to minimize or even zero out a client’s estate tax liability.
1071088-00001-00 Ed. 07/2023 ISG_WE_ILI217_01
Coming in September: Life Insurance Awareness Month
Insights & Ideas from Advanced Planning.
Coming soon.
Three policies and flexible payment options.
An estate strategy using life insurance, a family foundation, and wealth replacement trust.
This strategy uses a trust to create a lifetime legacy by using annual and lifetime gifting for life insurance.
It includes the essential elements of trusts, their advantages, tax and non-tax reasons for using them, and the various types of trusts commonly used in personal estate planning.
Provide a general discussion of trusts as commonly established by individuals to benefit their families and/or charitable causes.
A Survivorship Standby Trust (SST) funded with survivorship life insurance gives estate protection and liquidity, and reduces taxes.
An estate planning protection solution for clients and their spouse that also meets their needs during their lifetime.
A client has a need for the protection offered by life insurance and has an established or potential estate tax liability. An ILIT can protect the amount of wealth their loved ones receive after a client’s death.
An ILIT is an irrevocable trust that serves as both the policyowner and the beneficiary of a life insurance policy.
Introduces the different ways to leave assets to a surviving spouse.
Addresses the great challenge of designing an estate strategy to transfer wealth while providing the necessary liquidity to help offset estate taxes and other transfer costs.
Proper funding of the SLAT is critical to ensure estate tax benefits.
Shows how a SLAT can address a client’s need for access and control of wealth.
Details how a Spousal Lifetime Access Trust (SLAT) can work in a case study format.
Do you want or have a specific need for control over the disposition of your wealth after you’re gone?
Would you like to protect your estate from creditors or the threat of lawsuits?
Are you inclined to leave more to family or a favorite charity, and less to the government?
Have you considered the impact of federal and/or state estate taxes on your legacy?
Want to pass on as much wealth as possible to loved ones and/or a favorite charity
Interested in creditor protection
Want to minimize gift and estate taxation
Generally, higher-net-worth individuals or those with specific needs for controlling distribution of wealth after death
Discussion of important federal and state death tax issues and how proper planning can help.
There are 40 times more millionaires in 2022 than 1980.
Leverage life insurance in a trust strategy to unlock advantages and benefits to help clients leave the greatest legacy possible. Help meet wealth transfer goals, including protection from taxes and creditors and addressing privacy and probate concerns. Bring this idea to life …
Thurs, August 10, 2:00 PM ET
Spousal Lifetime Access Trusts (SLAT)
What trust is typically used in estate planning so that a life insurance policy on the insured is not includable in their taxable estate?
Irrevocable Life Insurance Trust (ILIT)
When properly structured, the death benefit is paid to the ILIT at the death of the insured(s), excluding the money from the taxable estate for federal and state estate tax purposes.
Correct!
Answer 4: Correct!
4. Irrevocable Life Insurance Trust (ILIT)
Revocable Living Trust
Because the grantor has the power to revoke the trust and receive benefits from the trust, assets transferred to a revocable living trust are included in the grantor’s taxable estate.
Try again.
Answer 3: Try again.
3. Revocable Living Trust
“B” Trust
Although a “B” Trust can prevent a life policy from being included in the insured’s taxable estate, its typical primary purpose does not usually include the purchase of a life insurance policy.
Answer 2: Try again.
2. “B” Trust
Testamentary Trust
Because a testamentary trust is created at the death of the decedent, any assets moved into the trust (or trusts) are includable in their taxable estate.
1. Testamentary Trust
Wealth Transfer
Your net worth = your estate.
Does your estate plan help you pass on your real wealth, including the values and traditions that are important to you?
For those who are concerned about using an irrevocable solution.
&
Insights
Ideas
COMING SOON
Answer 1: Try again.
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Life insurance is issued by Pruco Life Insurance Company (except in NY), and Pruco Life Insurance Company of New Jersey (in NY). Variable products are offered through Pruco Securities, LLC (member SIPC). All are Prudential Financial companies located in Newark, NJ. This material is being provided for informational or educational purposes only and does not take into account the investment objectives or financial situation of any clients or prospective clients. The information is not intended as investment advice and is not a recommendation about managing or investing a client’s retirement savings. Clients seeking information regarding their particular investment needs should contact a financial professional. All references to guarantees are backed by the claims-paying ability of the issuing insurance company. We do not provide tax, accounting, or legal advice. Clients should consult their own independent advisors as to any tax, accounting, or legal statements made herein.
Coming in October: Myths and Misconceptions
Start here to connect with clients by exploring and sharing the content.
Life Insurance can help put clients in control of their life’s “Now what?” moments. You can help them have confidence by knowing their family’s future is protected.
Thurs, September 21, 2:00 PM ET
The Financial Confidence Correlation and Sales Tips
[6] Ali Cannex Protected Retirement Income and Planning (PRIP) Study. Retirement Outlooks among Peak 65 Women, 2023.
[5] State Street, U.S. Census Bureau, Prudential, Ellevest.
[4] Prudential “COVID Women’s Program—Expand Your Client Reach,” Jan 2021.
in retirement assets²
The Loera family are immigrants from Mexico. Roberto’s sacrifice and smarts to buy life insurance helped them survive after his passing.
Hard work and responsibility pay off.
Tips and Actions — David Edwards and Lauren Hicks will share ideas you can use TODAY to close sales and increase your business.
Minding the Gaps in Life Insurance Coverage and Financial Confidence - David Blanchett, Managing Director, PGIM Quantitative Solutions, will present the correlation of those who own vs. who don’t own life insurance and their level of financial confidence.
Don’t miss a minute as JD Miller hosts this full-circle webinar to help you address client’s needs and close more sales.
Tom Kazemier was focused and thoughtful and Jeanne was spontaneous and fun. His foresight and their Financial Professional turned out to save Jeanne and their children from an unimaginable fate.
She hadn’t wanted life insurance but ended up so thankful.
What is it? How much does it cost? What are the different types? And how much do I need?
The Matthews Dixon family were thankful to have purchased life insurance in their late 20s. Sara encourages everyone to consider life insurance early on before health issues make it hard or impossible to get.
Get it early and healthy!
The Virgen family had the foresight to buy life insurance on Teresa even though she was a stay-at-home mom. This allowed them to keep their home.
Non-working spouses need life insurance too!
[7] Estimate by Kantar based on 2020 U.S. MONITOR and BLS.
[8] 2023 Barometer Study, LIMRA and Life Happens.
Join us on Thursday 9/21 @2PM ET. Get a preview here
More than twice as likely than men to make an annuity purchase when presented by an advisor.
$30 trillion expected to transfer to U.S. women by 2023.
6
Control 51% of the personal wealth in the U.S.
4
51% of new population growth.
Nearly 20% of the U.S. population.
3
$2.5 trillion in buying power.
have at least one retirement account.
76% have at least one retirement account.
82% have shown a level of interest or engaged with a financial professional in the past 2 years.
2
Buying power is projected to grow to $1.8 trillion by 2024.
While 75% of LGBTQ+ consumers say they need life insurance, only 42% have a coverage.
8
Purchasing power is nearly $1.5 trillion.
7
76
in buying power.
$
2.5
TRILLION
expected to transfer to U.S. women by 2030.
30
of LGBTQ+ Americans are concerned about affording medical care.
42
42% of LGBTQ+ Americans are concerned about affording medical care.
[2] Joy, Black Consumer Local Market Research, March 2022.
[1] Kantar, Download on African Americans, 2021.
Who's Your Rock?
[3] 2022, Home – Univision Upfront.
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[2] COVID‐19 Drives Interest In Life Insurance. Insurance Barometer Study, LIMRA 2021.
[1] Top Misconceptions About Life Insurance, 2021.
Coming in November: Versatility of Life Insurance
More than half of Americans overestimate the cost of individual life insurance by as much as three times! Younger Americans overestimate by as much as six times!
Join us on Thursday 10/19 @2PM ET.
Don’t miss this opportunity to broaden your horizons and expand your business while making a positive impact. Also hear about Prudential’s commitment to the Black consumer market and the launch of the Blueprint to Black Wealth.
Provides facts about each common misconception.
Thurs, October 19, 2:00 PM ET
LIMRA Updates: Bridging the Insurance Gap
Research shows they need you.
Families need your help.
2023 LIMRA Barometer Study.
While target markets have nuances that make them unique in certain ways, all markets experience the same myths and misconceptions around life insurance. Prudential is dedicated to meeting their financial challenges to help close the financial gap. Use these scripts and resources to help you better serve these markets starting today.
Today, most of the application process can be completed electronically, depending on the insurance carrier, your health, how much protection you want, and your preferences.
of Americans would face financial hardships within six months if the household’s wage-earner died unexpectedly.
The median life insurance coverage offered at the workplace is a flat sum of $20,000 or one year’s salary.
Understanding what might happen if you die and your income is suddenly gone helps negate this myth. It is generally a calculation using your salary, debt, financial responsibilities, and college expectations.
With certain life insurance policies, you can grow cash value within it. With these types of life insurance, you can use the cash value and/or “accelerate” (or use) part of the death benefit for yourself as a “living benefit.”
Help debunk the many myths clients believe about life insurance. Talk to them about all the benefits life insurance can offer in addition to the death benefit.
LIMRA will empower you with insights, actionable strategies, and techniques to connect, engage, and help these markets: Women, Black Americans, Hispanic Americans, and LGBTQ+.
42% of Americans would face financial hardships within six months if the household’s wage-earner died unexpectedly.
(Limra.com)
And what would happen to your family if you were unemployed when you passed, and your work policy had ended when your job did?
Don’t miss this opportunity to broaden your horizons and expand your business while making a positive impact. Also hear about Prudential’s commitment to the Black consumer market and the launch of the Blueprints to Black Wealth.
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Coming in December: Closing the Year Strong
Join us on Thursday 11/16 @2PM ET. Get a preview here.
Preparing for clients’ families‘ future.
You’ll also find out some ways to help clients proactively guard against chronic illness using the versatility of life insurance.
Thurs, November 16, 2:00 PM ET
Connecting with and Supporting Caregivers
Customize for a variety of planning designs.
FAQ
Rider
BenefitAccess
Answers for chronic illness concerns.
BenefitAccess Rider FAQ
NEW! Learn how the corridor can increase the death benefit value.
Reasons, like chronic illness, to consider it as a financial strategy.
Benefits to a portfolio.
Explanations of cash value life insurance.
Fortify clients’ financial strategies with life insurance to give them options not available with other financial vehicles. Cash value life insurance with a chronic illness rider may be a solid foundation to build into your next plan.
Our guest presenter, Liz Flint, from MFS Investment Management, is an expert who knows about caregiving firsthand.
Tour the NEW women’s playbook, featuring Regional Vice President Lauren Hicks.
Offer life insurance that can be flexible and versatile based on the different stages in a woman’s life.
Understanding of what is really needed in these circumstances.
Tools and resources to make a meaningful difference in their lives.
A Caregiver’s Guide — Eldercare
Being a Caregiver — Eldercare
Answer some simple questions about how you used this year’s Trimester marketing site and resources.
Combination of term and perm.
Life Is a Balancing Act: Balancing your need for life insurance with your budget.
Three Reasons to Consider Prudential FlexGuard Life
Managing Risks
Protection in Times of Uncertainty
Special Needs Planning
Foreign Nationals
Split Dollar
Estate Equalization
Estate Planning Opportunities in the Political Debate
Planning for the Sunset
Retirement Income Tax Planning
Annual Reviews & Political Landscape
Look for more sales ideas and strategies to help you throughout the year.
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Life insurance is issued by Pruco Life Insurance Company (except in NY), and Pruco Life Insurance Company of New Jersey (in NY). Variable products are offered through Pruco Securities, LLC (member SIPC). All are Prudential Financial companies located in Newark, NJ. This material is being provided for informational or educational purposes only and does not take into account the investment objectives or financial situation of any clients or prospective clients. The information is not intended as investment advice and is not a recommendation about managing or investing a client’s retirement savings. Clients seeking information regarding their particular investment needs should contact a financial professional. All references to guarantees are backed by the claims-paying ability of the issuing insurance company.
Coming in January 2024: Annual Review & Political Landscape
Take 2 minutes to give feedback!
Thurs, December 7, 2:00 PM ET
J.P. Morgan's Guide to the Markets
Prudential eCapabilities give you more time to grow your business and give clients the modern service experience they expect.
Accumulate and transfer wealth
Offering specialized strategies
Help business-owner clients
Sunsetting the Tax Cuts and Jobs Act
Sunsetting tax provisions
Sunsetting Tax Provisions of the Tax cuts and Jobs Act
Strategies for High-Net-Worth Clients
How Risk Tolerance Can Help with Life Insurance Choices
Franklin Templeton Rising Rates
Small Business eBook Life Insurance Opportunities
What was hot in 2023 and what's in store for 2024.
Take advantage of our eCapabilities to close more cases before year-end. It’s a seamless, digital experience from start to finish. We wish you the happiest of holidays, and please know how much we appreciate you and your partnership, this year and always.
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Grow your knowledge base around these popular topics throughout the year.
Monthly Webinars
Resource for rising expenses
How life insurance can help clients give more
An estate-planning perfect storm
“Get Good with Life Insurance”
Reposition legacy assets into life insurance.
A detailed overview
What to expect this year
SEE ALL WEBINARS OF 2022
Fulfilling a legacy despite uncertain markets
Contact your Life Wholesaler — OR — Call the Sales Desk at 844-606-7867
Want more information about the webinars? Have questions about something you've watched?
Interest rates, Investments, Inflation, and Insurance
COMING IN DECEMBER
Dr. David Kelly presents
COMING IN NOVEMBER
A caregiver's journey
COMING IN OCTOBER
Underserved markets insights
Tips for closing sales
