- 2-Minute Article
How to Teach Your Clients to Put Their Money to Work
See how life insurance can get your clients' money off the sidelines and working harder.
Like 70 million Americans, your clients likely need more life insurance.1 And while their current portfolios may include traditional investments, your clients may also have money designated for legacy planning sitting in bank accounts, CDs, or even have excess capital in their businesses. Show your clients an attractive option that can help put their money to work— permanent life insurance and the cash value accumulation it offers.
Life Insurance as Part of Your Clients' Financial Strategy
As a financial professional, you're familiar with the basics of life insurance. But teaching your valued clients the benefits of permanent life insurance, such as Brighthouse Premier Accumulator Universal LifeSM, may open up new options for them by providing death benefit protection and cash value accumulation. Permanent life insurance offers a variety of features that may make it a valuable addition to your clients' financial strategy. These include:
- Death Benefit Protection
This is the feature that most people think of when it comes to life insurance — the money paid to beneficiaries after a client dies. A permanent life insurance product can help make sure your client's loved ones are financially protected even after the client is gone.
- Policy Values Not Directly Impacted by Market Fluctuations
Your clients may be keeping their dollars in conservative accounts simply because they are afraid of unknown factors including market volatility and the potential risk to their assets. With permanent life insurance, clients are purchasing an asset that enjoys tax-favored cash value accumulation and growth potential through competitive interest rates2, without being directly impacted by fluctuations in the market.
- Early Access to Cash Value3
Brighthouse Premier Accumulator Universal Life offers versatility. Are clients worried about tying up large sums of money for long periods of time? With Premier Accumulator Universal Life, clients may be able to access up to 100 percent or more of their cash value within the first few policy years3 – without substantial penalties – if they need to meet changing needs. So they'd continue to enjoy the flexibility and protection they've come to expect from Universal Life Insurance.
It's important to encourage your clients to make the most of the money they plan to leave to their loved ones. Help them make their money work harder with a tax-efficient, cash value accumulating, permanent (yet flexible) life insurance policy.