Most clients will accumulate significant assets over their lifetimes. Help address your clients’ needs and find a smart, affordable estate planning solution.

If You Have Clients Who:

• Are aged 45–70
• Own a business
• Own land or hard assets of significant value
• Want to provide heirs with a liquid estate
• Want to reduce tax consequences for heirs¹
• Have an estate worth $5 million or more
• Want to balance an inheritance among heirs
• Wish to make charitable bequests¹
• Want to provide funds for a college education²

Then Financial Markets, Inc. Can Help You:

• Build – Outpace inflation
• Preserve – Prepare for estate taxes and probate costs and pay off debts that can eat away at wealth
• Maximize – Grow the available inheritance for each heir throughout your client’s lifetime

Survivorship GIUL indexed universal life is designed for clients who want the security of death benefit coverage for two lives.

• • Solid death benefit protection covering two lives
  • Estate Preservation Rider
  • Survivorship Policy Split Exchange
  • Waiver of Surrender Charge Option (cost depends on joint equal age)³
  • Return of Premium Death Benefit Option
  • Index-based interest credited on the Indexed Account

Custom Guarantee universal life insurance provides low-cost permanent life insurance with guaranteed death benefit protection.⁴

• No premium payments beyond age 100
• Guaranteed Exchange Privilege
• Accelerated Death Benefit Endorsement
• Low minimum face amount of $50,000 for issue ages 15 days to 59 years and $25,000 for issue ages 60 to 85 years
• Competitive commissions with a two-year rolling target

1. Financial Markets, Inc. is not authorized to give tax or legal advice. Advise customers to consult with and rely on their own independent qualified tax or legal advisor before entering into or paying additional premiums with respect to such arrangements or before commencing any charitable giving plan.
IRS CIRCULAR 230 NOTICE
Any U.S. tax information included in this written or electronic communication, including any attachments, is not intended as tax advice, was not intended or written to be used, and it cannot be used by you or any taxpayer, (i) for the purpose of avoiding any penalties that may be imposed on you or any other person under the Internal Revenue Code or applicable state or local tax law provisions, or (ii) promoting, marketing or recommending to another party any transaction or matter addressed herein.
2. The primary purpose of life insurance is to provide a death benefit to beneficiaries. Because of the uncertainty surrounding all funding options except savings, it is critical to encourage your clients to make personal savings the cornerstone of your clients’ college funding program. However, even a well-conceived savings plan can be vulnerable. Should your clients die prematurely, their savings plan could come to an abrupt end. To protect against this unexpected event, life insurance may be the only vehicle that can help assure the completion of a funding plan. In addition to the financial protection aspect of insurance, the tax-deferred buildup of cash values can be part of your clients’ college savings plan. Generally, if the policy is not a Modified Endowment Contract then withdrawals made up to the contract’s cost basis are tax free. Moreover, if the policy is not a Modified Endowment Contract, then loans in excess of the cost basis are also tax free as long as the policy remains in force.
3. Available for an additional charge per $1,000 per month, depending on issue age and underwriting class. Please refer to current Survivorship GIUL (NAM-1435) and Custom Guarantee (NAM-651) marketing guides for complete product details. Survivorship GIUL is issued on policy form series LS171 without the Waiver of Surrender Charge Option and policy forms series LS171W with the Waiver of Surrender Charge. Accelerated Benefit Endorsement for Chronic illness and Terminal Illness is issued on form series LR463 (Survivorship GIUL) and LR488 (Custom Guarantee), Accelerated Benefit Endorsement for Terminal Illness is issued on form series LR464 (Survivorship GIUL) and LR487 (Custom Guarantee), Custom Guarantee is issued on policy form series LS170, Chronic Illness Accelerated Benefit Rider is issued on form series LR450A (Florida only, Custom Guarantee), or state variations by North American Company for Life and Health Insurance. Products, features, riders, endorsements or issue ages may not be available in all jurisdictions. Limitations and restrictions may apply.
4. Subject to premium payment requirements.