You are a married couple and buy a $3,000,000 face-value 2nd-to-die life insurance policy to cover anticipated estate
tax costs. Your first-year premium is $20,000. We receive $10,000 as a first-year commission. We
rebate $6,500 to you.
You are the family's income earner and purchase a $1,000,000 face-value term life insurance policy to provide for your
family in case of your premature death. The first year premium is $1,000. We receive $400 as a first-year
commission. We rebate $260 to you.
You are a small business owner and provide health insurance for your family and employees. Your premium is $2,000 per month.
We receive $200 per month as a first-year commission. We rebate $130 per month for 12 months to you.
You have invested in a fixed annuity product which is no longer suitable for your investment needs. You decide
to transfer the $500,000 cash value to an equity-indexed annuity using a tax-deferred exchange. We receive
$35,000 as a first-year commission. We rebate $22,750 to you.