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.
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Gain insight into how Commission-Free insurance can provide tax-free income, life insurance and legacy planning benefits.
DPL Consultant Nicole Benz discusses how a commission-free solution helped a DPL member solve a client need.
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.
|Variable Universal Life Insurance||
Solves for Legacy Planning, Life Insurance, Retirement Income, Wealth Accumulation
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 Retirement Income
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.
|Disability Income Insurance||
Solves for Income Replacement
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...
|Term Life Insurance||
Solves for Life Insurance, Legacy Planning
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.
Insights and Resources
David Blanchett, head of retirement research for Morningstar’s Investment Management group, and DPL’s David Lau...
RIA Consultant, Jonathan Barth, shares the difference that using Commission-Free insurance and annuities makes for a breakaway...
Nicole Benz, Consultant, talks about how DPL tailors our approach for breakaway firms to be successful.
DPL Financial Partners' Sam Johnson explains how conversations with fee-only advisors have evolved over the...
Founder and CEO, David Lau, describes the mission-driven nature of DPL and how the team...
David Blanchett, head of retirement research for Morningstar’s Investment Management group, talks with DPL’s David...
DPL's Jonathan Barth explains why stocks and bonds are no longer the best solution for...
In this short video, David Blanchett addresses the importance of guaranteed income and his belief...
To learn more about low-cost, Commission-Free solutions call us at 888.327.0049 and speak to a DPL consultant.