The Power to Invest in Your Life
You may already know most of the uses of life insurance and how it can meet your clients' goals, but do you know all the benefits? 

• Invest in Your Life Calculator:
  Life insurance provides a competitive "Rate of Return" on the premiums paid into the policy. Use this calculator to see just how powerful these rates of return on John Hancock's Protection UL-G guaranteed death benefit can be.
• Quick Concepts Invest in Your Life Sample:
  A brief easy-to-understand Invest in Your Life presentation demonstrating how this concept works.

The Power of Permanent Life Insurance
Your clients may need life insurance protection to replace income for their family, repay debt, or plan for a business succession or estate plan in the event of premature death.  Permanent insurance can be designed to provide lifetime death benefit protection and cash value accumulation potential based on their particular needs.

• JH Solutions' The Power of Permanent Life Insurance Output:
  JH Solutions is a state-of-the-art concept illustration system that takes a complex case and illustrates it in an easy-to-understand format.

The Power of Lifetime Giving
A program of Lifetime Giving can help reduce estate taxes, avoid probate, and when combined with life insurance, may also increase the amount passed to heirs.

Needs Analysis Worksheet
The life insurance death benefit can be used to pay off a mortgage and education obligations, and to replace lost salary to pay for ongoing household expenses, debts and even outstanding tax bills. But the real value of life insurance when it comes to family protection is that it provides the death benefit in the form of cash, in a timely fashion.  This quick and easy  Needs Analysis Worksheet will help determine how much insurance your client needs to secure their financial future.

Life Insurance in Retirement Planning
Life insurance can offer ways to bolster retirement income in a tax-advantaged vehicle that simultaneously offers the comfort of death benefit protection.

Protection MAX
For clients looking for income for retirement or income protection for their family --- Protection Whole Life is guaranteed to meet their needs.

Spousal Access Trust
The many tax benefits of an Irrevocable Life Insurance Trust (ILIT) make it an important estate planning tool. In cases where the client's inability to access the insurance policy's cash value during life might be seen as a drawback, consider the Spousal Access Trust.

Wealth Transfer Planning Through Asset Repositioning
The client with an asset repositioning strategy may secure both a healthier income stream and a larger transfer to heirs.

Private Financing
Private Financing is a useful planning technique when premiums of a large life insurance policy could result in unwanted gift taxes, even when the funds to pay premiums are available.

Gifts of Life Insurance
Life insurance can work in concert with a client's wealth transfer objectives. Applications of life insurance in charitable planning include donating an existing life insurance policy to charity, naming a charity as the policy beneficiary and charity-owned life insurance.

Buy-Sell Plans
The success of a business can grow to depend on certain individuals, turning their death, disability or retirement into potentially devastating events if adequate planning is not in place. Buy-Sell Plans are agreements in which one party agrees to sell a business interest in those circumstances.

Key-Person
Your clients may be concerned about protecting their business from the premature death of a key employee whose knowledge and contribution to the company is invaluable. The solution to this problem is to establish a key person insurance plan.

Simplifying Planning Approaches to Help Solve Your Clients' Financial Needs
Faced with a growing number of advanced sales ideas and constantly changing selection of planning techniques, it's not surprising that identifying the concept that best addresses your clients' unique needs has become increasingly difficult.  Our new "Simplifying Planning Approaches" brochure provides you with an overview of some of the most popular and effective uses of life insurance organized into four basic categories: Protection Planning, Living Benefits, Wealth Transfer and Business Planning.

Planning Strategies at a Glance
A single source providing an overview of planning strategies including Individual, Wealth Transfer, Business Insurance and Executive Benefit planning concepts.

Key to Life Series PowerPoint
A comprehensive presentation that outlines the most popular and effective uses of life insurance: Protection, Living Benefits, Wealth Transfer and Business Planning.