Retirees that have diligently saved for retirement may not exhaust their IRA assets before death and hope to leave unused IRA assets to their heirs. Unfortunately, IRA assets are subject to both income and federal estate taxes at death; taxes that can significantly erode the IRA that your clients worked so hard to preserve. In some scenarios, an IRA can be reduced by over 70% due to income and federal estate taxation.

Don't let your clients forfeit over 50% of their unused IRA assets due to a lack of planning. Using life insurance as an IRA transfer tool can offer the following advantages:

• Increase net amount to heirs
• Reduce taxes on IRAs by as much as 70%
• Provide 100% liquid benefit
• Can be held in trust for Legacy Planning
• No restrictive distribution rules for beneficiaries

Don't be caught dead with an IRA until you've heard this story. Get informed about why you should help your clients keep more of what they've worked to save by using tax-free life insurance as part of their IRA transfer strategy.

"Maximizing IRA Assets with Life Insurance -
The Wealth Transfer IRA"

Tuesday, March 22, 2011 @ 11 A.M. Central Time

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