Computer Business Cards

1. Testing Financial Tolerance for Charitable and Family Gifts: This CBC presents the logic of the cash flow approach to estate planning used by Wealthy and Wise (InsGift’s new name). This product is produced in a high-end multimedia platform (Director) with unusually effective animation; however, no special software is required to use it.

2. Free Dog: In a light-hearted presentation designed for owners of closely held firms, this CBC presents executive bonus plans in a new light that makes this traditional concept sizzle.

3. Charitable Pension: Thought by many commentators to be a better approach for wealth preservation planning than the so-called "stretch-out" multi-generational IRA, a charitable pension not only defeats all IRS taxation on a retirement account forever, it produces a significant life insurance sale for you as well as a large deferred gift for charity. This CBC is so powerful that it can cause charities to help you find prospects for it.

   Use with Wealthy and Wise (InsGift’s new name), the InsMark Illustration System, and Documents On A Disk.

4. Wealth Preservation Planning Using a Charitable Remainder Trust: A CRT is one of the most effective wealth preservation techniques. It also provides a big benefit for charity. While there are plenty of ways to crunch the numbers for a CRT, you'll be impressed by this show's evaluation technique.

   Use with Wealthy and Wise (InsGift’s new name), the InsMark Illustration System, and Documents On A Disk.

5. Zero Estate Tax Plan: This describes the zenith of estate planning -- leaving as much as desired to heirs and charity while cutting out the IRS entirely.

   Use with Wealthy and Wise (InsGift’s new name), the InsMark Illustration System, and Documents On A Disk.

6. Long-Term Care -- Insure or Self-Insure? (Post-Retirement Analysis): Most clients welcome a mathematical evaluation of whether to insure Long-Term Care liabilities or rely on assets to cover claims. In addition, using the concept means you have the data needed for a more comprehensive wealth preservation study.

7. Long-Term Care -- Insure or Self-Insure? (Pre-Retirement Analysis): Most younger clients also welcome an analysis of Long-Term Care liabilities -- particularly if they are also concerned about helping their parents cover such risks.

Use with Wealthy and Wise (InsGift’s new name)

8. Loan-Based Deferred Compensation: This CBC describes a financial technique used by high-end executives willing to reduce current compensation in exchange for tax free income in the future. Also known as a 401(k) Look-A-Like Plan, instead of funding with COLI (corporate-owned life insurance), the strategy uses EXOLI (executive-owned life insurance) funded by loans governed by IRC Section 7872. The plan produces huge benefits for executives as well as a positive impact on earnings for the sponsoring employer in all years (including year 1). The strategy is in full compliance with the Final Split Dollar Regulations issued in September 2003.

   Use with the InsMark Loan-Based Deferred Compensation System.

9. Annuity Rescue and Charitable Annuity Rescue: A deferred annuity is a fine investment -- at least until the IRS strips its value at death. This CBC shows the value of converting an annuity to a life insurance policy -- with a comparison of policy ownership both in and out of the estate. In addition, Charitable Annuity Rescue is examined in which a charity ends up with the annuity at death -- a compelling strategy for charitably motivated clients.

10. The Leverage of Life Insurance: Can cash value life insurance serve double duty as a retirement vehicle? You bet it does, and this CBC proves it beyond any doubt. In an unusual approach for upscale prospects who might turn their nose up at life insurance for this purpose, this CBC portrays the extraordinary cost of not taking advantage of life insurance in a retirement plan.

    Use with Wealthy and Wise (InsGift’s new name) and the InsMark Illustration System

11. Life Insurance as an Executive Benefit: There are basically three insurance-funded executive benefits: Executive Bonus Plans, Split Dollar Plans, and Salary Continuation Plans. "When to use which one" can be elusive, partly dependent on relative tax brackets of employer and executive and partly dependent on whether the insured executive is an owner or a non-owner. This CBC is very useful for explaining the pros and cons of each plan to clients and their advisers.

    Use with the InsMark Illustration System, Loan-Based Split Dollar System and Documents On A Disk.

12. Flexible Wealth Planning Techniques Using Irrevocable Life Insurance Trusts: There are several ways a client can recover funds that are normally thought to be locked up in an irrevocable trust, and this presentation examines several of them.

    Use with the InsMark Illustration System, the Loan-Based Split Dollar System (private variation), and Documents On A Disk.

13. Charitable IRA vs. Stretch-Out IRA: This is a battle of the heavyweights as both concepts are powerful. If a client's estate is not large enough to worry about estate taxes and the client does not have significant charitable motivation, the Stretch-Out is a superb technique. If the estate faces transfer taxes, Charitable IRA is a preferred approach as it delivers tax free capital (not tax deferred) to heirs plus a substantial deferred gift for a favorite charity.

Use with Wealthy and Wise (InsGift’s new name), the InsMark Illustration System, and Documents On A Disk.

14. Loan-Based Split Dollar: Developed due to the Final Split Dollar Regulations issued in September 2003, this fringe benefit utilizes IRC Section 7872 as the basis for its design. With this arrangement, interest-bearing loans are cast between an employer and a favored executive, and the employer uses bonus payments to provide the executive with the cash flow for loan interest. This is employer-sponsored equity split dollar for the 21st century.

15. Loan-Based Private Split Dollar: A conceptual cousin to Loan-Based Split Dollar, the private variation involves a promissory note between a Lender -- usually a parent or grandparent -- and an irrevocable trust formed on behalf of children or grandchildren. Following the guidelines of IRC Section 7872, use of promissory notes allows the trust to be super-funded in excess of the limitations on annual gifts and lifetime gift exemptions.

16. Disability Income -- Insure or Self-Insure?: Most clients welcome a mathematical evaluation of whether to purchase Disability Income ("DI") insurance or rely on assets to cover claims.

    Use with Wealthy and Wise (InsGift’s new name).

17. Endorsement Split Dollar with an Optional Transfer: This benefit plan is designed to operate as endorsement split dollar for a certain number of years, after which the policy is optionally transferred to the covered executive. The strategy can be used by privately-held businesses as well as non-profit, tax exempt entities. It also has application for publicly owned companies.

    Use with the InsMark Illustration System and Documents On A Disk.

18. Equities vs. Annuities vs. Life Insurance: Deferred annuities are wonderful cash accumulators but absolutely terrible estate assets due to the confiscatory level of death taxes imposed by the IRS. In addition, most clients and their advisors underestimate the intense drag on performance of equity accounts caused by portfolio turnover taxation. Properly set up, life insurance has none of these disadvantages. This presentation compares all three strategies, and life insurance comes out the big winner. In addition, Annuity Rescue plans are discussed in this CBC.

Use with Wealthy and Wise (InsGift’s new name), the InsMark Illustration System, and Documents On A Disk.

19. The Financial Firepower of Cash Value Life Insurance (Variable Universal Life): This CBC presents InsMark's powerful CheckMate^® Selling technique -- a strategy that anticipates a prospect's objections as part of the presentation. This CBC features Variable Universal Life and for those who use VUL, this concept will have a significant impact on your closing ratios.

    Use with the InsMark Illustration System.

20. The Financial Firepower of Cash Value Life Insurance (Universal Life): Similar to #19, this CBC features Universal Life and for those who use UL, this concept will have a significant impact on your closing ratios.

    Use with the InsMark Illustration System.

21. The Financial Firepower of Cash Value Life Insurance (Participating Whole Life): Similar to #19, this CBC features Participating Whole Life and for those who use PAR, this concept will have a significant impact on your closing ratios.

    Use with the InsMark Illustration System.

22. The Financial Firepower of Cash Value Life Insurance (Equity Indexed Universal Life): Similar to #19, this CBC features Indexed Universal Life and for those who use EI-UL, this concept will have a significant impact on your closing ratios.

    Use with the InsMark Illustration System.

23. Retirement Needs Analysis: Retirement plans that include cash value life insurance are generally more efficient than those that don't. This show demonstrates this powerful feature. In addition, any employer that helps key executives fund their retirement goals will enjoy superb retention of their important management personnel. This presentation includes an analysis of this aspect as well.

    Use with the InsMark Illustration System

24. What's the Best Kind of Life Insurance?: A non-mathematical analysis of the logic of cash value insurance versus term insurance -- presented with a touch of welcome humor.

    Use with the InsMark Illustration System

25. Strategies for Retirement Planning: The value of planning for retirement (and techniques to consider) is covered in this CBC.

    Use with the InsMark Illustration System.

26. How Much Life Insurance is Enough?: What is the correct amount of life insurance for family protection? This presentation shows InsMark's unique approach to this critical financial question.

Use with the InsMark Illustration System.

27. Maximizing the Perceived Value of Your Company's 401(k) Plan: Most participants in a 401(k) plan understand the “today” aspect of their investment, i.e., the level of contributions, how much (if any) the company matches, how the money is invested, current value of the account, etc. Very few of them have a good understanding of the “tomorrow” aspects, i.e., the possible value of the account at retirement, how much income it will pay, and how long that income will last. This Computer Business Card should be shown to the senior management of any company with a 401(k) plan that has any form of matching contributions. It presents a compelling story about a simple strategy to better inform the participating employees about the value of their 410(k) plan and powerfully reinforces the value of the company’s matching contributions.

Licensing Information

The above presentations are personalized with the licensee's name on the "Presented By" screen, and rights are granted for licensees to make unlimited distributions of each one. To order or for more information, contact an InsMark Account Executive at 1-888-InsMark (467-6275). The fees for these presentations are included in the overall licensing fee for members of InsMark's Power Producers® Marketing Group.

Order a CBC

(Revised: 9/26/05)