Presentation Skill number 1 - Enthusiasm

Do a quick Google search for "Presentation Skills" (without quotation marks) and were compared with over 18 million results. A little 'more detailed ("Presentation Skills Training), and the results - rather odd for me - Go to 30.7 million. I would reduce it to one.

Enthusiasm.

Here, instead we had a detailed presentation skills training, for the things I absolutely critical to look like a really exciting and effective presentation. Thisa lot of body language, tone, texture to say, look, visual aids, delivery style, eye contact, repetition, narrative and so on, can Provide to the enormous value, But I think, without enthusiasm, MEANS nothing.

I recently had the opportunity to go with a class at Harewood House, north of Leeds, and there visit the Yorkshire Planetarium. The lady who presented the lecture (MoJo - quite a memorable name) very well, and gave an age4-50 + active throughout ... a pretty tough call. So how do they do?

Well, it was great visual aids (the projection of stars and planets), but the presentation was virtually handed over to the dark, so that their body language, appearance, eye contact and so on were completely irrelevant. What he did, and what makes me believe it would be good before they had even begun, had bags of enthusiasm, who willingly shared. Astronomy is a passion, and every part of it - theirTone, body language and words they used pressed - in this spades. He could not help but notice that she was happy to be there, and it was contagious.

How can we ensure that we, in our presentations so that they prevail? The main thing is to be very, very excited about your material. If you think that the presentation is boring, chances are everyone else will as well. The first step before any preparation or planning, ask yourself: "Why areit? "It could be a fantastic new product or an upgrade, a series of extraordinary performance and an exciting strategic plan or an opportunity to innovate. If so, great, because these are the (relatively) easy.

The real challenge lies in the things that we as a trivial or, worse, think that's bad news for viewers, perhaps. Addressing these in turn:

Presentation of the profane

The big questions that arise here are (1) if it is trivial, because it isbe presented to all, and (2) assume, is commonplace and then share that feeling with others.

This area came to see my attention recently when Steve Jobs introduced the iPhone last update. When I saw him starting to do, I was very surprised and wanted one immediately. Although some non-traditional presentation, here was a man so excited, so passionate about a product, which is almost impossible not to be taken along for the ride. I wasskeptical about what the latest update ... if on paper the changes seemed so much less important than the introduction, I was changing in terms of a new perfume soap powder or a recipe for a chocolate bar made. However, he believed in its importance, and put it in the context of a tremendous journey, and this is what brings me back involved.

Presentation of "bad news"

"Bad news" has sometimes proven - poor financial results, layoffs, closures andmany other things. You may be tempted to exaggerate "the positive and lead to distrust and cynicism, but it is still possible during this type will prevent your audience a reason to listen and buy what you say.

The real key is to understand the past, recognize this, but look to the future, and how these can be better than this. In a later article (released soon) will be similar to the power of good for the failure, because in times likethis is more important than ever.

The basis of the possibility of having a "secular" and "bad news" is also a confidence in the future, which says something, and a passion that things work better and better every day. As a presenter, has an enthusiasm beyond to make sure you have enough to share with the public more than anything. No, that is all the tips, tricks and techniques in the world do not help.

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Problems selling mortgage insurance protection not My Fault

Problems with Mortgage Insurance Sales

If you have never sold insurance traditional guides, you know how difficult it can be. You need a lot of miles on your car, drive around with customers in their living rooms to do. You also need to be available when at home, you spend a lot of evenings working tool. Many times you will have time to spend out of town, because there will be guidance and dates, and this maybulky and expensive!

Moreover, some of your views on mortgage insurance because the piece of direct mail received were tightened. But direct mail can provide some people the wrong expectations. You can view the card or letter and see a number of insurance without medical examination, and then proceed from the fact that pre-existing conditions will be ignored. You can find that a certain percentage of the company that has worked so hard to do,refused. People with very common occupations for Disability Insurance may be dismissed only for what they do for a living!

In addition, customers can see an insurance quote disability or critical illness insurance and think they can this type of reporting, without obtaining a large life insurance. The customer can feel as if they have enough life insurance. Some customers may be read on the premium waiver rider, while the unemployed and to confuse that with a furtherUnemployment, which do not offer more mortgage insurance.

You are not the problem!

The problem with the sale of mortgage insurance is not true, as the insurance agent, but a product for sale that do not meet customer expectations. If you choose a product which gives view the security they are currently trying to sell, it's so simple! In fact, many homeowners are concerned about protecting their financesnow, where they live. If a major bank has asked its customers what preoccupies the majority said they are worried about paying the bills, if they have lost their jobs or been disabled. Many homeowners, especially young people, not the large death benefits in question. They're worried about layoffs, injury or disability.

Offer your customers who want Mortgage Protection!

Here is a mortgage insurance protection that addresses many of these problems.You will not need to ask the customer questions and almost all health professionals is accepted for the disabled. There are certain vesting and waiting periods, but we believe that this type of insurance for many customers who do not or can not properly be Considered a traditional mortgage life insurance. You can also use the new clients mortgage insurance until age 70!

Provide our customers with unemployment, disability and hospital insurance,along with a death, and everything on the table, no questions asked health! You can sell this insurance can be completed through the Internet from your home office as forms. Move your protection mortgage insurance business in the twenty-first century.

And no, the customer does not even qualify, the mortgage is to!

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How to sell annuities with life insurance?

This is a natural because you can transfer (1035 exchange) from a life insurance policy to an annuity without tax issues. The original basis on the life insurance policy now becomes the basis of the annuity which means that there are situations where an annuity could grow without occurring tax liability.
Here are some situation and general information about life insurance.

Types of Life Insurance

Term Life Insurance, insurance for a specific time period or term. 10 years as an example
Whole Life, insurance for your whole life. Guaranteed premium, death benefit and cash value. Whole life is guaranteed

Universal Life, Limited guarantees and the premium presented to the prospect is usually set by the agent. Funds accumulate in contract based on insurance companies declared rate. Very few UL policies have guarantees other than the good name of the company. Most UL I have seen are under funded.

Variable Universal Life, same as universal life except the funds are invested in separate accounts (like a variable annuity). Once again limited guarantees.

Single premium products. It is possible to buy single premium whole life, universal life and variable universal life. The value to this concept is with the correct policy you can give your prospects a fully guaranteed contract that will never require funding in the future. There are some variations that will not fully guarantee future results so always do the correct due diligence.

Life Insurance Sales Opportunities

1. Exchange: Life insurance cash value will transfer to an annuity without any tax liability. 1035 exchange

2. Remix: Sometimes you can use the cash value in an old policy to purchase a new life insurance contract. The purpose would be to have a paid up policy (no more premiums), remove any loans (forgiven) or to increase the ultimate death benefit to the beneficiary.

3. Policy loans: If You are lucky to find a loan for a life insurance policy, is free money. Here's how it works, you can tell the customer that you get the loan forgiven. Most are bigger than life insurance for long on reason and need for life insurance now less. If the insurance company to adjust the cost base and the premium loan. This changes the amount of tax dollars, but if a claim is not like the death tax is paid. If the need for life insurance is no longerexists, the life of the loan in 1035 and the new base for the company pension. Sell this concept on two levels, loans go away and use the money for their payment except in case of need represented income. Just go and sell will make the loan, the client will love you and hate their insurance agent.

4th income change: if you find them, a pension, whose current goal is to transfer to the recipients of income tested. The taxpart of the deferred pension will be taxable as ordinary income to the recipient. Determining the share of taxable pension money (to keep the tax liability for clients) means to send a policy paid the present value yet. If these proceeds are paid to beneficiaries will be paid tax free. Just compare the future value of life insurance with the tax on retirement.

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How About Selling Annuities Using Life Insurance?

This is a natural because you can transfer (1035 exchange) from a life insurance policy to an annuity without tax issues. The original basis on the life insurance policy now becomes the basis of the annuity which means that there are situations where an annuity could grow without occurring tax liability.
Here are some situation and general information about life insurance.

Types of Life Insurance

Term Life Insurance, insurance for a specific time period or term. 10 years as an example
Whole Life, insurance for your whole life. Guaranteed premium, death benefit and cash value. Whole life is guaranteed

Universal Life, Limited guarantees and the premium presented to the prospect is usually set by the agent. Funds accumulate in contract based on insurance companies declared rate. Very few UL policies have guarantees other than the good name of the company. Most UL I have seen are under funded.

Variable Universal Life, same as universal life except the funds are invested in separate accounts (like a variable annuity). Once again limited guarantees.

Single premium products. It is possible to buy single premium whole life, universal life and variable universal life. The value to this concept is with the correct policy you can give your prospects a fully guaranteed contract that will never require funding in the future. There are some variations that will not fully guarantee future results so always do the correct due diligence.

Life Insurance Sales Opportunities

1. Exchange: Life insurance cash value will transfer to an annuity without any tax liability. 1035 exchange

2. Remix: Sometimes you can use the cash value in an old policy to purchase a new life insurance contract. The purpose would be to have a paid up policy (no more premiums), remove any loans (forgiven) or to increase the ultimate death benefit to the beneficiary.

3. Policy loans: If you are lucky to find a policy loan on a life insurance policy, it is free money. Here is how that works, you can tell the client that you will get the loan forgiven. Most larger life policies are there for a long gone reason and the need for life insurance at this stage is less. Have the insurance company readjust the cost basis and forgive the loan. This changes the amount of non-taxable dollars but if it is paid out as a death claim it is tax free. If the need for life insurance no longer exists, have the life insurance company forgive the loan and 1035 the new basis to the annuity company. You sell this concept on two levels, loans go away and you use the exclusion ratio for their illustrated payout when the need arises for income. Easy sale and the loan going away will make the client love you and hate their insurance agent.

4. Annuity Change: If you find an annuity whose current purpose is to transfer the proceeds to a beneficiary, consider this. The tax deferred portion of an annuity is taxable as ordinary income to the beneficiary. So determine the taxable portion of the annuity, cash it in (withhold the tax liability for client) send the funds to a paid up policy with the cash value still available. When these proceeds are paid to the beneficiary they will be paid tax free. Just compare the future value of the life insurance with the after tax benefit of the annuity.

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How About Selling Annuities Using Life Insurance?

This is a natural because you can transfer (1035 exchange) from a life insurance policy to an annuity without tax issues. The original basis on the life insurance policy now becomes the basis of the annuity which means that there are situations where an annuity could grow without occurring tax liability.
Here are some situation and general information about life insurance.

Types of Life Insurance

Term Life Insurance, insurance for a specific time period or term. 10 years as an example
Whole Life, insurance for your whole life. Guaranteed premium, death benefit and cash value. Whole life is guaranteed

Universal Life, Limited guarantees and the premium presented to the prospect is usually set by the agent. Funds accumulate in contract based on insurance companies declared rate. Very few UL policies have guarantees other than the good name of the company. Most UL I have seen are under funded.

Variable Universal Life, same as universal life except the funds are invested in separate accounts (like a variable annuity). Once again limited guarantees.

Single premium products. It is possible to buy single premium whole life, universal life and variable universal life. The value to this concept is with the correct policy you can give your prospects a fully guaranteed contract that will never require funding in the future. There are some variations that will not fully guarantee future results so always do the correct due diligence.

Life Insurance Sales Opportunities

1. Exchange: Life insurance cash value will transfer to an annuity without any tax liability. 1035 exchange

2. Remix: Sometimes you can use the cash value in an old policy to purchase a new life insurance contract. The purpose would be to have a paid up policy (no more premiums), remove any loans (forgiven) or to increase the ultimate death benefit to the beneficiary.

3. Policy loans: If you are lucky to find a policy loan on a life insurance policy, it is free money. Here is how that works, you can tell the client that you will get the loan forgiven. Most larger life policies are there for a long gone reason and the need for life insurance at this stage is less. Have the insurance company readjust the cost basis and forgive the loan. This changes the amount of non-taxable dollars but if it is paid out as a death claim it is tax free. If the need for life insurance no longer exists, have the life insurance company forgive the loan and 1035 the new basis to the annuity company. You sell this concept on two levels, loans go away and you use the exclusion ratio for their illustrated payout when the need arises for income. Easy sale and the loan going away will make the client love you and hate their insurance agent.

4. Annuity Change: If you find an annuity whose current purpose is to transfer the proceeds to a beneficiary, consider this. The tax deferred portion of an annuity is taxable as ordinary income to the beneficiary. So determine the taxable portion of the annuity, cash it in (withhold the tax liability for client) send the funds to a paid up policy with the cash value still available. When these proceeds are paid to the beneficiary they will be paid tax free. Just compare the future value of the life insurance with the after tax benefit of the annuity.

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Problems Selling Mortgage Protection Insurance Are Not Your Fault

Problems with Mortgage Insurance Sales

If you have ever sold traditional mortgage protection insurance, you know how hard it can be. You must put a lot of miles on your car, driving around to meet with clients in their living rooms. You also have to be available for them when they are home, which means you spend a lot of evenings working. Many times you will have to spend time out of town, because that's where you have leads and appointments, and this can be inconvenient and expensive!

Furthermore, some of your prospects may have been attracted to mortgage protection insurance because of the direct mail piece they received. But these direct mail pieces can give some people the wrong expectations. They may glance at the card or letter, and see an offer of insurance with no medical exam, and then assume that pre-existing conditions will be ignored. You may find that some percentage of the business that you have worked so hard to submit gets declined. People with very common professions can declined for disability insurance, just because of what they do for a living!

In addition, clients may see an offer of disability insurance or critical illness insurance and think they can obtain that sort of coverage without obtaining a large life insurance policy. The client may feel as if they already have enough life insurance. Some clients may read about waiver of premium riders while unemployed and confuse that with a supplemental unemployment benefit which most mortgage protection insurance does not offer.

You are Not The Problem!

The problem with selling mortgage protection insurance is not you, as the insurance agent, but the product you are selling which does not meet the client's expectations. When you present a product that gives a prospect the security they are looking for, selling is easy! In fact, many homeowners are concerned about protecting their finances now, when they are alive. When a large bank asked their customers what they worried about, a majority said they worried about paying their bills if they lost their job or became disabled. Many homeowners, especially younger ones, are not concerned about large death benefits. They are concerned about layoffs, accidents, or disability.

Offer Your Clients Mortgage Protection They Want!

You can find a mortgage protection insurance plan that solves many of these issues. You will not need to ask your clients health questions and almost every professions is accepted for disability payments. There are some vesting periods and waiting periods, but we feel that this type of insurance appropriate for many clients who do not want, or cannot qualify for, a traditional mortgage life insurance policy. You can also offer the new mortgage protection insurance to clients up to the age of 70!

Offer clients unemployment, disability, and hospital indemnity insurance, along with a death benefit, and all without asking health questions! You can sell this insurance from your home office as the forms can be completed over the internet. Move your mortgage protection insurance business into the twenty-first century.

And no, your client does not even need to have a mortgage to qualify!

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Problems Selling Mortgage Protection Insurance Are Not Your Fault

Problems with Mortgage Insurance Sales

If you have ever sold traditional mortgage protection insurance, you know how hard it can be. You must put a lot of miles on your car, driving around to meet with clients in their living rooms. You also have to be available for them when they are home, which means you spend a lot of evenings working. Many times you will have to spend time out of town, because that's where you have leads and appointments, and this can be inconvenient and expensive!

Furthermore, some of your prospects may have been attracted to mortgage protection insurance because of the direct mail piece they received. But these direct mail pieces can give some people the wrong expectations. They may glance at the card or letter, and see an offer of insurance with no medical exam, and then assume that pre-existing conditions will be ignored. You may find that some percentage of the business that you have worked so hard to submit gets declined. People with very common professions can declined for disability insurance, just because of what they do for a living!

In addition, clients may see an offer of disability insurance or critical illness insurance and think they can obtain that sort of coverage without obtaining a large life insurance policy. The client may feel as if they already have enough life insurance. Some clients may read about waiver of premium riders while unemployed and confuse that with a supplemental unemployment benefit which most mortgage protection insurance does not offer.

You are Not The Problem!

The problem with selling mortgage protection insurance is not you, as the insurance agent, but the product you are selling which does not meet the client's expectations. When you present a product that gives a prospect the security they are looking for, selling is easy! In fact, many homeowners are concerned about protecting their finances now, when they are alive. When a large bank asked their customers what they worried about, a majority said they worried about paying their bills if they lost their job or became disabled. Many homeowners, especially younger ones, are not concerned about large death benefits. They are concerned about layoffs, accidents, or disability.

Offer Your Clients Mortgage Protection They Want!

You can find a mortgage protection insurance plan that solves many of these issues. You will not need to ask your clients health questions and almost every professions is accepted for disability payments. There are some vesting periods and waiting periods, but we feel that this type of insurance appropriate for many clients who do not want, or cannot qualify for, a traditional mortgage life insurance policy. You can also offer the new mortgage protection insurance to clients up to the age of 70!

Offer clients unemployment, disability, and hospital indemnity insurance, along with a death benefit, and all without asking health questions! You can sell this insurance from your home office as the forms can be completed over the internet. Move your mortgage protection insurance business into the twenty-first century.

And no, your client does not even need to have a mortgage to qualify!

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Finding Small Business Grants

Poor financing is the number two reason small businesses fail, falling right behind poor management. Sufficient funding is paramount to the success of small businesses, and small business grants can be the answer to the problem. If business owners have the necessary knowledge about how to find and properly request grants, they have a better shot at creating a successful business that will be open longer and prosper.

There are over 300 different grants and loans available for small businesses that are just starting out. The grants range from $25,000 up to $1,000,000 depending on the size and projected success rate of the business. There are also grants available to help small businesses grow or expand. Grants are not the same as loans because they do not have to be repaid. A grant is considered free money, as well as an investment to promote the success of small businesses and the U.S. economy. Money for grants comes from income taxes. Obtaining a small business grant does not require credit checks or deposits, even if the owners have experienced bankruptcy in the past.

There are a number of helpful websites that send small businesses government grant packages for free, excluding the cost of shipping. These packages include information on how to find grants, how to prepare a grant request, and how to apply for grants pertaining to a specific business. Some of the providers are Government Funding Solutions, Grant Master, and Grant Wizard.

It is important to be familiar with the Small Business Administration rules for receiving grants before beginning the process of obtaining one. Although the SBA does not provide grants to small businesses, they do provide helpful suggestions and resources on how to find grants.

In order to qualify for a small business grant, individuals must first become familiar with the 13 CFR 143 document that lists all of the requirements to be eligible for a grant. This document includes information on the pre-award and post-award periods and defines all aspects of applying for a grant and states who is eligible. The CFR is the primary source of rules and regulations for small business grants and must be read before starting the grant writing process.

After reviewing the requirements, prospective business owners must write a grant request. There are professionals who will write a grant proposal or the individuals may complete it themselves. The Catalog of Federal Domestic Assistance is a helpful site that links individuals to resources about federal grants for small businesses. Afterschool.gov gives helpful tips on how to write a small business grant and, although it is geared toward grants for after school programs, includes helpful information for grant writing in general.

Additionally, there are many well-established government and private organizations that provide grants to small businesses. The Department of Justices Ten Grant document gives access to grant opportunities for those conducting research in support of law enforcement. The Department of Labors Employment and Training Administration has several grant opportunities for small business owners. They offer about $125 million to businesses that are based in a community setting with special attention to training programs. The Department of Transportation is another organization that offers small business grants. They offer grants to any business willing to help resolve the growing problems with the federal-aid highway program. The Department of Education has a program called e-GRANTS that locates electronic grants online. They have a detailed list of grants available and the necessary applications to fill out. There are a variety of grants available for different groups, all of which have detailed descriptions and contact information. Other organizations that provide small business grants include the EPA, the National Cancer Institute, NOAA, the National Endowment for the Humanities, and the U.S. Department of Health and Human Services.

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Selling Your Life Insurance (Viaticals and Life Settlements)

Selling your life insurance is an option you might consider if you're in a difficult financial situation for which you don't see a close end. A terminal illness or old age could cause you to think twice about paying those hefty premiums at this stage of your life. Selling your life insurance carries with it complex implications and substantial risks, so it is important that you educate yourself regarding the big picture. If you're interested in selling your life insurance, this is a good starting point to obtain some basic information.

Basics: Vocabulary

If you've already done any research on selling your life insurance, chances are good that you've come across two main terms: viaticals and life settlements. Both refer to the selling of your life insurance to a third party. So what's the difference? "Viatical" is typically used to refer to the transaction involving a chronically or terminally ill insured, while a "life settlement" is a transaction involving a senior (generally over the age of 65) who is not terminally ill.

Even though you now know the difference, it does not mean that your state does. These terms might be used interchangeably, or your state might use one of them to refer to both transactions. For example, your state could use "Viatical Settlement" to refer to any type of transaction regarding selling your insurance. Be aware that this kind of ambiguity may exist in relation to the vocabulary used in the sale of your life insurance.

How it Works

The owner of the life insurance policy will sell it for a percentage of the death benefit a lump sum to a third party and, in exchange, receives an often substantial lump sum payment. The third party then becomes the new owner and/or beneficiary of the policy and pays all of the future premiums and eventually collects the death benefit when the insured passes away.

Those considering selling their life insurance may either directly approach a viatical company or settlement firm, or they may choose to work with a broker. The broker will act as an intermediary and present the information to several different companies/firms in an effort to find the highest price for the sale.

The settlement firms buy the insurance on behalf of investors. In this situation, the investors become the owners and beneficiaries, and the settlement firm pays the premium until the insured dies. The firm then collects the death benefit and either pays its investors a percentage of the annual return or repackages the policy for sale to another party.

Take comfort in know that the process of selling one's life insurance is typically very confidential. Most viatical companies and settlement firms understand the discretion necessary to make the process run smoothly and easily. However, a company may act disrespectfully and become borderline intrusive by trying to keep track of the insured's condition. For this reason, it is important to work with a respectful, experienced organization.

Who Considers Selling

Those with serious, life-threatening illnesses are most likely to consider selling their life insurance to provide cash for various expenses, such as mounting medical bills. For those who are not terminally ill, selling the life insurance might be a good idea for a number of reasons. If the owner's beneficiary has died or if the owner can't afford to keep paying the premiums, it would appear that they no longer have sufficient use for the life insurance. Seniors around retirement age may also consider selling their life insurance, even if they are free of debt, in order to receive a lump sum of money with which they may do whatever they please.

Keep in mind that different companies may have different eligibility requirements to be able to sell your life insurance policy.

Advantages to Selling Your Life Insurance

It might be easy to see some of these benefits, but others are a little less obvious.

You'll receive a lump sum cash payment right now. As mentioned above, this is especially useful to the terminally ill who have mounting medical bills.You will receive more by selling your life insurance than you would if you simply surrendered it to the insurance company. It is possible for an insured person who is 65 or older or who is terminally ill to sell a policy with little or no cash value for a $100,000.00 or much more.You won't have to pay any more insurance premiums. If your financial situation is becoming strained with no end in sight, eliminating premiums is a way to alleviate the burden.You don't have to repay the money, like you do when you borrow against your insurance policy.Even though your life insurance benefits won't be available once you die, you can still leave money to a certain person or organization - it will just come from the money that is leftover after using the funds from selling your policy. So, selling your life insurance does not

mean that you're definitely robbing your beneficiaries of their gift.

In some cases, the money you receive is tax-free.There are no regulations or restrictions on how you make use of the money you receive. You may spend as much of it or as little of it as you wish, however you please.

Risks of Selling Your Life Insurance

Understanding the risks associated with selling your life insurance will help you make an informed decision. Be sure to consult a financial advisor or tax attorney to make sure you understand the implications of the sale.

You might lose your eligibility for some public assistance benefits, especially those based on your income and assets (such as food stamps, welfare, Medicaid and some Social Security benefits).There could be tax issues. Selling the policy will

result in a tax bill if the settlement amount exceeds your cost basis.

With improved medical care, the ill person may live longer than expected.You might face unhappy heirs. This might not be a problem for you, but it could lead to a long road of (possibly legal) complications and battles. Some settlement actually companies require the beneficiaries to also sign off on any sale, which could be good or bad, depending on whether or not you're dealing with a cooperative beneficiary.

Other Options

If you come to the conclusion that selling your life insurance policy is not for you, there are other options (though none that would provide you with such a large lump sum). An insurance agent should be able to help give you more information on some of these ideas.

Borrow against your insurance policyCash out the policy if it has surrender valueLook into accelerated benefits or living benefitsBorrow money (from family or friends perhaps) and use the life insurance policy as collateral

If you believe that selling your life insurance policy is the right decision for you, make sure you deal with a dependable, experienced broker or settlement company to ensure that you get the best service and results from your transaction.

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Why Life Insurance?

Insurance is seen as a necessity to ensure a continuation of your family income, should the income provider pass away or become disabled.

You might think that insurance would be less important as the value of your investments and other assets grow. In fact, very often the opposite happens.

You build an increasing tax liability as your wealth increases or as you build your assets. Insurance can become an important vehicle for reducing your income tax burden.

The primary purpose of life insurance is to provide for dependents on death of a primary wage earner, but life insurance can also serve as an outstanding tool for transferring wealth to the next generation.

There are a variety of life insurance products specially structured to provide targeted benefits, including:

*Term endowment insurance

*Whole life insurance

*Children's plan

*Pension plan

*Unit linked insurance plans

Insurance can also be used effectively as an investment vehicle. Proper planning can help minimize the drain taxation can have on your business or estate. Planning means you choose how your assets get distributed. It involves a step-by-step approach and ensures that you receive only expert advice. The result could be a plan customized just for you.

You can use a tax-advantaged life insurance strategy to build a fund that grows on a tax-sheltered basis. You can select the investments and decide how much add when to invest. At a time like retirement, this tax-sheltered fund can be useful to provide a tax-free income. On death, the insurance proceeds and the investment funds are paid to your beneficiary, tax-free. Using insurance can be a cost-effective way of creating a legacy. No wonder insurance is viewed as an important investment for retirees and those approaching retirement.

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