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Insurance Associates
Doing business with LPL Insurance Associates, Inc.
(LPL Insurance) results in higher payouts and less work for you and your staff. Enhanced payouts
Discover your 100% solution. By placing your life insurance business through LPL Insurance you receive:
- 100% retail commission payout for your fixed life business1
- 100% conference credits
- 100% production credits
Streamlined processing
BranchNet provides you with easy access to case status and history for fixed and variable life insurance placed through LPL Insurance. With information in one central location, LPL Financial saves you and your staff valuable time by eliminating the need to look up each case on individual carrier websites, as well as time spent completing new account forms for insurance business processed. Processing business through LPL Insurance also alleviates the need for an eBTR entry. LPL Financial Online Term Solution makes it easier for you to submit term applications. LPL Insurance has partnered with select carriers to offer an efficient, online, short form. The information you input online is sent electronically to the carrier – reducing processing time and paperwork. The firms we have chosen are term-focused, A+ rated carriers offering competitive pricing.
Smart online tools identify opportunities for you
LPL Insurance offers several online tools, centrally located on the Resource Center for your convenience:
- Vital Sales Suite offers advisors a convenient means of accessing forms, quotes and carrier ratings in seconds. Using our Vital Sales Suite software program, the information you need is at your fingertips instantly
- Life Review Kit is a turnkey process you can use with your clients to review existing life insurance portfolios. It is easy to understand and has a high potential for improving clients’ insurance positions, while creating a new revenue stream for your practice
Increase sales success with advanced insurance training
In 2007, LPL Insurance hosted their annual Insurance Symposium in Dallas, TX. This advanced training was designed for all LPL Financial advisors who want to further integrate insurance services into their practices and offered 10 hours of Insurance CE credits as well as 10 hours of CFP credit. Complimentary registration for LPL Financial advisors included all meeting materials, breakfast and lunch over the program dates, and a Welcome Reception. Date and location Information for the 2008 Symposium will be posted on this site later in the year.
In addition, a variety of ongoing training programs are available to you as an LPL Financial advisor. Web-based modules include the e-Learning Module: "Add More Life to Your Practice. " Numerous conference calls and webcasts are also available to LPL Financial advisors, providing product information, prospecting and sales ideas.
Irrevocable Life Insurance Trusts (ILITs)
Using insurance inside a trust can have a powerful impact on your clients’ estate planning strategy. Common client goals achieved by using an ILIT include:
- Avoiding forced liquidation to pay estate taxes on an asset the family wants to retain, such as a family business or real estate
- Providing a safety net for potential long-term care needs in later years
- Minimizing estate tax liability at the time assets transfer to heirs
- Offering an opportunity to enhance charitable contributions, in addition to providing for heirs
- Ensuring an equitable distribution of assets to heirs
- Providing for greater control of assets
LPL Insurance and The Private Trust Company work together to help advisors implement this powerful planning tool. LPL Financial also provides an Advisor Guide for ILITs with detailed information illustrating how an ILIT can assist your clients, as well as compliance-approved materials to help you illustrate these concepts with your clients.
1 Variable life payouts are based on your LPL Financial payout grid
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