Quantum’s unique combination of industry expertise and client-centric focus provides us with the ability to work with you to carefully match your clients’ needs with retirement risk management solutions that best address their goals.
The range of fixed indexed annuities and indexed life insurance solutions available through our platform include limited distribution products backed by an award-winning, innovative design process that leverages research and indexing technology from leading economists and financial institutions.
Partnering with Quantum gives you access to exclusive product designs, patented features and a broad range of industry-leading strategies from companies with household names, giving you, as an independent advisor, the tools you need to succeed.
RETIREMENT RISK MANAGEMENT
Client-centric solutions to enhance your holistic planning process.
Quantum’s unique combination of industry expertise and client-centric focus provides us with the ability to work with you to carefully match your clients’ needs with retirement risk management solutions that best address their goals.
The range of fixed indexed annuities and indexed life insurance solutions available through our platform include limited distribution products backed by an award-winning, innovative design process that leverages research and indexing technology from leading economists and financial institutions.
Partnering with Quantum gives you access to exclusive product designs, patented features and a broad range of industry-leading strategies from companies with household names, giving you, as an independent advisor, the tools you need to succeed.
RETIREMENT RISK MANAGEMENT
Client-centric solutions to enhance your holistic planning process.
Quantum’s unique combination of industry expertise and client-centric focus provides us with the ability to work with you to carefully match your clients’ needs with retirement risk management solutions that best address their goals.
Partnering with Quantum gives you access to exclusive product designs, patented features and a broad range of industry-leading strategies from companies with household names, giving you, as an independent advisor, the tools you need to succeed.
The range of fixed indexed annuities and indexed life insurance solutions available through our platform include limited distribution products backed by an award-winning, innovative design process that leverages research and indexing technology from leading economists and financial institutions.
QUANTUM’S SOLUTIONS HELP ADDRESS YOUR CLIENTS’ CONCERNS OVER:
- GROWTH POTENTIAL WITHOUT DIRECT MARKET EXPOSURE
- PROTECTING THEIR PRINCIPAL FROM MARKET VOLATILITY
- GENERATING GUARANTEED INCOME THEY CAN’T OUTLIVE
- TRANSFORMING SAVINGS INTO A PREDICTABLE INCOME
- THE POSSIBILITY FOR TAX-DEFERRED GROWTH
- OPTIONS FOR INFLATION PROTECTION AND LONG-TERM CARE COVERAGE
FIXED INDEXED ANNUITIES
Strategies and options to meet your clients’ evolving needs.
A growing number of investment advisors, leading economists and thought leaders believe fixed indexed annuities to be a new asset class that closely approximates bonds and other fixed-rate products, and consider them to be a safe alternative or complement to bonds within an investor’s portfolio, when appropriate.
Quantum locates and provides client-centric solutions that offer guarantees regardless of market conditions. Our retirement income and tax-efficient insurance solutions provide options for your clients to continue to participate in a portion of market growth, protect assets and stay on track for retirement.
We continually monitor and research the annuity industry, finding innovative strategies to help you address your clients’ financial and retirement needs.
LIFE INSURANCE STRATEGIES
CHANGE YOUR LIFE
Quantum is always looking for ways to add revenue to your practice…
without adding overhead.
The addition of life insurance to your practice can not only provide your clients with the reassurance of leaving a death benefit to their loved ones, but can also help them address other areas of concern that they might face. We offer case-design expertise and broad product knowledge that can help you find the solutions your clients seek.
LIFE INSURANCE STRATEGIES
CHANGE YOUR LIFE
Quantum is always looking for ways to add revenue to your practice… without adding overhead.
The addition of life insurance to your practice can not only provide your clients with the reassurance of leaving a death benefit to their loved ones, but can also help them address other areas of concern that they might face. We offer case-design expertise and broad product knowledge that can help you find the solutions your clients seek.
AN IMPORTANT PART OF PREPARING FOR RETIREMENT
TAX-FREE DEATH BENEFIT:
Properly structured life insurance can protect your clients’ loved ones by providing tax-free death benefit coverage.
TAX-ADVANTAGED INTEREST GROWTH:
Indexed universal life provides your clients with the opportunity to earn more interest based on the performance of an index without direct market risk exposure.
TAX-ADVANTAGED POLICY LOANS:
If your clients need to access funds, they can borrow against the accumulated value within the policy.
Any discussion regarding tax and legal matters should be between your client and their tax advisor and/or attorney. It’s important to note that any policy loan or partial surrender will reduce or potentially eliminate the insured life insurance benefit.
TAX-FREE DEATH BENEFIT:
Properly structured life insurance can protect your clients’ loved ones by providing tax-free death benefit coverage.
TAX-ADVANTAGED INTEREST GROWTH:
Indexed universal life provides your clients with the opportunity to earn more interest based on the performance of an index without direct market risk exposure.
TAX-ADVANTAGED POLICY LOANS:
If your clients need to access funds, they can borrow against the accumulated value within the policy.
Any discussion regarding tax and legal matters should be between your client and their tax advisor and/or attorney. It’s important to note that any policy loan or partial surrender will reduce or potentially eliminate the insured life insurance benefit.
OFFER A STRATEGY,
NOT A PRODUCT
Once you’ve established your clients’ need for life insurance coverage, indexed universal life can offer additional living benefits that can help them in their overall retirement strategy.
Learn more ways life insurance can help improve your bottom line.
You may be able to experience greater success by showing how life insurance can also help with the following areas:
- Baby Boomer—Tax-Advantaged Planning
- Idle Assets
- Retirement Savings Alternative
- Gift for College / Gift for Life
- Business Solutions
- Optional Riders—Chronic Care Benefit
OFFER A STRATEGY,
NOT A PRODUCT
Once you’ve established your clients’ need for life insurance coverage, indexed universal life can offer additional living benefits that can help them in their overall retirement strategy.
Learn more ways life insurance can help improve your bottom line.
You may be able to experience greater success by showing how life insurance can also help with the following areas:
- Baby Boomer—Tax-Advantaged Planning
- Idle Assets
- Retirement Savings Alternative
- Gift for College / Gift for Life
- Business Solutions
- Optional Riders—Chronic Care Benefit
USING LIFE INSURANCE AND ANNUITIES AS PART OF ADVANCED LEGACY PLANNING
Our Advanced Planning and Portfolio Solutions team can work with your and your client’s attorney to develop and set up sophisticated estate planning strategies for high-net worth clients. We can help you strategize as well as obtain the policies you need which will satisfy the desired policy value, terms, legal owners and beneficiaries at the attorney’s direction.
USING LIFE INSURANCE AND ANNUITIES AS PART OF ADVANCED LEGACY PLANNING
Our Advanced Planning and Portfolio Solutions team can work with your and your client’s attorney to develop and set up sophisticated estate planning strategies for high-net worth clients. We can help you strategize as well as obtain the policies you need which will satisfy the desired policy value, terms, legal owners and beneficiaries at the attorney’s direction.
IMPORTANT DISCLOSURES
This material is not intended to be used, nor can it be used by any taxpayer, for the purpose of avoiding U.S. federal, state or local tax penalties. Please consult your personal attorney and/or advisor regarding any legal or tax matters.
Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment or strategy will be suitable or profitable for an investor’s portfolio. All investment strategies have the potential for profit or loss. Investors should carefully consider their objectives, risk tolerance, and time horizon before investing.
*Guarantees and protections of fixed indexed annuities are subject to the claims-paying ability of the issuing insurance company. Fixed indexed annuities are contracts purchased from a life insurance company. They are designed for long-term retirement goals, and also intended for someone with sufficient cash and liquid assets for living expenses and unexpected financial emergencies, including, for example, medical expenses. Depending on the product, fixed indexed annuities may include surrender charges, rider charges and other fees.
**A fixed indexed annuity is not a registered security or stock market investment. As such, it does not directly participate in any stock, equity or bond investments, or index. Gains on indexed accounts are based on participation rates and other conditions offered by the issuing insurance company. Withdrawals are subject to income tax, and withdrawals before age 59½ may be subject to a 10% early withdrawal federal tax penalty.
***An indexed universal life insurance policy combines tax-advantaged income of a permanent life insurance policy with the financial component of a major stock market index. When considering life insurance please keep in mind:
- The primary purpose of life insurance is to provide death benefit protection. If your clients don’t need financial protection in the event of death, there may be other ways to pursue their goals.
- Withdrawals and loans can reduce the policy death benefit and cash surrender value and may cause the policy to lapse. Lapse of a life insurance policy can cause the loss of death benefit and potential adverse income tax consequences.
- Indexed life insurance policies are credited interest based on the periodic changes in an associated index. They do not represent an investment in a market index.
- Policies classified as Modified Endowment Contracts (MECs) may be subject to tax when a loan or withdrawal is made, and a federal tax penalty of 10% may also apply if the loan or withdrawal is taken prior to age 59½. You should ensure that the policy is not structured as a MEC.
- At your death, benefits are paid to your beneficiaries.
- Policyholders should consult with tax professionals to determine the potential impact of surrenders, withdrawals or loans. Cost of insurance expenses, mortality risk charges and other expenses may reduce the policy’s cash value. Unpaid policy loans could negatively impact death benefits upon death of the policyholder.
This material is for informational purposes only and is not intended to provide any recommendations or tax or legal advice. We encourage you to discuss your tax and legal needs with a qualified tax and/or legal professional.
