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Insurance

Insurance

Once inaccessible to RIAs, the benefits of insurance are now available Commission Free through DPL. Insurance solutions can be used for legacy planning, income replacement, or exchanging existing policies for their current cash value.

Commission-Free insurance for legacy, tax-efficiency and more.
Legacy Planning

Non-traditional investments designed for tax-efficient legacy wealth transfer.

Disability Income Insurance

Ensures a level of income if an individual is unable to work.

Life Settlements

Purchases policyowner's life insurance policy at current market value.

Real World Case Study: Buy-Sell Agreement

DPL Consultant Nicole Benz discusses how a commission-free solution helped a DPL member solve a client need.

Life Insurance

Traditionally used as a means of income replacement, life insurance provides powerful possibilities with effective implementation. Through DPL, RIAs can now incorporate insurance as part of their clients' holistic financial plans, allowing additional tax-deferral, tax-free income, and wealth transfer efficiency for individuals, and new solutions for sophisticated business scenarios.

Type Summary
Variable Universal Life Insurance

Variable Universal Life is a permanent life insurance policy where the cash value is invested in funds or fixed accounts providing opportunity for growth. Its structure allows for flexible premium payments and an adjustable death benefit, which can be impacted by the investment performance of the cash value. Because of its variable...

Solves for Legacy Planning, Life Insurance, Retirement Income, Wealth Accumulation
Life Settlements

A life settlement enables a policyowner to sell their life insurance policy for its current market value. This can provide an cash infusion if a client is over-insured, or if they can no longer afford the premiums needed to keep their policy in force.

Solves for Retirement Income
Disability Income Insurance

Disability Income (DI) Insurance is purchased to protect clients against loss of income from an unexpected injury or illness. An individual DI insurance policy pays a monthly benefit that replaces a portion of their income in the event of a disability, so your clients can take comfort in knowing their current lifestyle...

Solves for Income Replacement
Term Life Insurance

Term life insurance offers an affordable means of securing protection for a specified period of time. While term life insurance does not build cash value like whole life insurance, it comes at a reduced cost with less stringent underwriting requirements, making it more cost-effective and accessible.

Solves for Life Insurance, Legacy Planning

Insights and Resources

Video

May 12, 2020

David Blanchett, head of retirement research for Morningstar’s Investment Management group, talks with DPL’s David...

Video

Jan 23, 2020

Consultant Nicole Benz gives us a Real World Case Study about an advisor who worked...

Video

May 06, 2020

In this short video, David Blanchett addresses the importance of guaranteed income and his belief...

Webinar

Sep 14, 2021
Transitioning from accumulation to retirement can be a complicated process, and requires strong advisor-client preparation...

Webinar

Oct 28, 2021
Bonds no longer can be relied upon to provide sufficient retirement income....now what? With traditionally...

Video

May 03, 2021

DPL's Jonathan Barth explains

Article

Aug 13, 2021

Every quarter, SRI releases annuity sales data. But this release was particularly surprising to some...

Video

Jan 22, 2020

DPL Financial Partners' Sam Johnson explains how conversations with fee-only advisors have evolved over the...

Video

May 13, 2021

RIA Consultant, Jonathan Barth, shares the difference that using Commission-Free insurance and annuities makes for a breakaway...

Common Questions

Can life insurance be used for wealth accumulation?

Permanent life insurance policies, once the commission is eliminated, provide benefits which can be powerful for wealth accumulation. Without a hefty commission being removed from premiums, client assets grow and can be withdrawn tax free. Talk to your DPL consultant for strategies on how to leverage commission-free life insurance for wealth accumulation.

What are the benefits of Commission-Free permanent life insurance?

For most permanent life insurance policies, the agent’s commission is removed from the client’s premium – often 40%-80% of the premium – leaving a fraction of the client’s premium to fund the policy. When those commissions are eliminated, your clients often find they can fund a death benefit for less premium or buy more coverage with the same premium.

How can insurance be a revenue source for RIAs?

Many RIAs see insurance as a great opportunity to expand and differentiate their services, increase share of wallet, and attract new clients. We see our members charging either a one-time planning fee and/or a percent of AUM.  Our consultants would be happy to speak with you about what may work best for your practice.

Have more questions about Commission-Free Insurance?

Call us at 888.327.0049 to speak to a DPL Consultant.

DPL


©2021 DPL Financial Partners, LLC. All rights reserved.

DPL Financial Partners does business in the state of California as DPL Insurance Solutions
under California License #0M42434.

Securities offered through The Leaders Group, Inc. Member FINRA / SIPC
26 W. Dry Creek Circle, Suite 800, Littleton, CO 80120 • 303-797-9080
DPL Financial Partners is not affiliated with The Leaders Group, Inc.

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FOR REGISTERED INVESTMENT ADVISOR USE ONLY. NOT TO BE USED FOR CONSUMER SOLICITATION PURPOSES.