An insurer has developed a new package of tools for producers in the estate planning market.
The Wellesley Hills, Mass., U.S. division of Sun Life Financial Inc., Toronto, says Welfare Transfer Program materials include sales ideas, client guides and fact finders
Sun Life also is including a collection of four calculators.
An Annuity Max Calculator analyzes the income and estate tax impact on a deferred annuity versus using all or a portion of the current annuity’s values for the purchase of life insurance.
A Municipal Bond Alternative Calculator illustrates the effect of taxes on municipal bonds at death and shows a strategy for repositioning municipal bonds to maximize the transfer of wealth to heirs.
A Leveraged Credit Shelter Trust Calculator analyzes the benefit of combining trust assets with life insurance.
A Stretch IRA Calculator shows what will happen to a client’s individual retirement account when the client dies.