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.
Non-traditional investments designed for tax-efficient legacy wealth transfer.
Ensures a level of income if an individual is unable to work.
Purchases policyowner's life insurance policy at current market value.
DPL Consultant Nicole Benz discusses how a commission-free solution helped a DPL member solve a client need.
Consultant Nicole Benz gives us a Real World Case Study about an advisor who worked with DPL to consolidate two policies for a client.
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... |
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| 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. |
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| 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... |
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| 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. |
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