Tim Fuller

President, SRS Inc.

Tim Fuller is President of SRS Inc., a full-service IMO (Independent Marketing Organization) and BGA (Brokerage General Agency) that has connected independent financial professionals with life, annuity, disability income, and long-term care solutions from 60+ carrier partners for more than 50 years. Tim and the SRS team specialize in impaired-risk underwriting, advanced case design, and helping advisors place the cases other IMOs turn away.

Life InsuranceImpaired RiskLong-Term CareDisability IncomeAdvanced MarketsUnderwriting

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Could Your Clients Keep Their Home Without Their Income? Disability Insurance and the Mortgage

September 25, 2026April 7, 2021 by Tim Fuller

Professional working confidently at her desk, representing disability income protection

“Could you afford your home without your income?” For many clients, that single question makes disability insurance real in a way nothing else does.

Key takeaways

For most families, the mortgage or rent is the largest bill that depends on a paycheck.
Many households live paycheck to paycheck, so savings wouldn’t cover a long disability.
Individual disability insurance pays monthly benefits the client can use for the mortgage and everything else.

The mortgage doesn’t pause when the paycheck does. Disability income insurance keeps it paid.

Why the home is the right starting point

Clients protect their home with homeowners insurance and their family with life insurance. But the most likely threat to keeping their home is losing income to an illness or injury. Many households have little cushion: missing a few paychecks can quickly lead to missed mortgage payments.

Disability insurance vs. mortgage disability riders

Some lenders and credit insurers offer mortgage payment protection, but it typically covers only the loan payment and may be limited. Individual disability insurance pays the client directly, so benefits can cover the mortgage, utilities, groceries, and the rest of life. See the M.U.G. plan for a budget-friendly design.

A simple script

Why do you go to work every day? What if you couldn’t?
What would life look like if you couldn’t earn a paycheck because of an illness or injury?
How would you pay for the big things, like the mortgage, groceries, and utilities, and the small things, like date nights and the kids’ activities?
Individual disability insurance pays monthly benefits if you’re too sick or hurt to work, so you can keep your home and your lifestyle.

Frequently asked questions

Does disability insurance pay my mortgage?

Individual disability insurance pays a monthly benefit to you, which you can use for your mortgage or any other expense.

What happens to my mortgage if I become disabled?

Payments are still due. Without disability income, many families fall behind quickly.

Is mortgage protection insurance the same as disability insurance?

No. Mortgage protection usually covers only the loan payment, while disability insurance replaces a portion of income for any use.

50+ Years in Business60+ Top-Rated Carriers★★★★★ Rated by Advisors

Reviewed by Tim Fuller on 2026-09-25

Tim Fuller

President, SRS Inc.

Tim leads SRS Inc., a full-service IMO (Independent Marketing Organization) and BGA (Brokerage General Agency), connecting independent financial professionals with life, annuity, disability income, and long-term care solutions from 60+ carrier partners.

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Using Indexed Universal Life to Fund Executive Bonus Plans

September 26, 2026April 6, 2021 by Tim Fuller

Advisor and client reviewing an advanced markets estate planning strategy in a private office

A Section 162 executive bonus plan is simple: the employer pays the premium on a policy the executive owns. Funded with indexed universal life and designed thoughtfully, that simple chassis becomes one of the most attractive nonqualified benefits a business can offer.

Key takeaways

IUL gives the executive tax-deferred growth linked to an index, with downside protection, plus the potential for tax-free retirement income.
Design choices — bonus grossed up for taxes, paid-up funding by retirement, an LTC rider — make the plan feel like a lifetime benefit.
A two-policy approach (term for working-years need, smaller IUL for life) can keep costs manageable.

A well-designed executive bonus plan doesn’t just sell more easily — it stays valuable to the executive long after retirement.

Why indexed UL fits executive bonus plans

In an executive bonus plan, the executive owns the policy and the employer deducts the bonus as compensation. Because the executive keeps the policy, the product choice matters. Indexed UL credits interest based on an index, with a floor that protects against market losses, and its cash value can later be accessed through withdrawals and loans for supplemental retirement income. That accumulation potential is what turns the plan from “some life insurance” into a meaningful benefit. For the tax comparison, see overfunded UL vs. a Roth IRA.

Design features that add value

Eliminate sticker shock. The bonus is taxable income to the executive. Gross it up so the after-tax amount covers the premium and the remainder can cover the tax.
Skip cost recovery when possible. Reimbursement provisions reduce the plan’s appeal. If recovery is essential, split dollar may be a better fit; otherwise, the employer can start with lower premiums and increase the bonus as service lengthens.
Fund to paid-up status. A policy that needs premiums after retirement feels like a future burden. Aim for a design that can carry itself into the executive’s non-working years.
Add a long-term care rider. Tax-free accelerated benefits for care give the executive protection for life.

The two-policy solution

A paid-up IUL with an LTC rider can be expensive. Since death benefit needs are highest during working years, one approach is to cover the bulk of that need with level term through the expected working life, then add a smaller IUL. The IUL’s death benefit can help with long-term care costs if needed, or provide estate liquidity if not.

Setting expectations

Illustrations for IUL are not guarantees. Caps, participation rates and policy charges can change, and loans reduce the death benefit. Show the executive conservative illustrated rates and explain that the policy needs monitoring. Our advanced markets team can help you compare carriers and design options. See also single vs. double bonus designs.

Frequently asked questions

Is the executive taxed on an executive bonus plan?

Yes. The bonus is reported as W-2 income to the executive and is generally deductible by the employer as reasonable compensation. Many plans gross up the bonus to cover the tax.

Why use indexed UL instead of term in a bonus plan?

IUL builds cash value that can supplement retirement income and can carry a long-term care rider, making the benefit valuable for life. Term provides protection only during the coverage period.

Can the employer get its money back if the executive leaves?

Not under a pure executive bonus plan, since the executive owns the policy. A restrictive endorsement or a split dollar arrangement can add recovery or vesting features if needed.

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Reviewed by Tim Fuller on 2026-09-26

Tim Fuller

President, SRS Inc.

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Positioning Cash Value Life Insurance for Retirement Savings

September 26, 2026April 5, 2021 by Tim Fuller

Active retired couple walking their dog on a coastal trail, representing retirement planning

Many clients want help preparing for retirement, but few think of life insurance as part of that plan. Cash value life insurance, properly structured, offers tax-favored accumulation and tax-free income along with the death benefit. It deserves a place in the retirement conversation.

Key takeaways

Cash value life insurance offers tax-deferred growth and, when structured properly, tax-free income through withdrawals and loans.
Flexible premium schedules let clients fund at $100, $1,000 or $10,000 a month.
Starting younger and healthier gives cash value more time to compound and locks in better pricing.

If the insured dies before using the cash value, the death benefit delivers a tax-free return on the premiums paid.

More than protection

Clients often see life insurance only as protection against dying too soon. They may not know that cash value policies offer tax-deferred growth and, if structured properly, income that is not taxable when taken through withdrawals up to basis and policy loans. For clients saving for retirement, that is a meaningful advantage.

Why term alone may leave value on the table

Term insurance is efficient for replacing income or covering debts during a set period. But most clients outlive their level term period, which means the premiums don’t come back to them. A cash value policy can serve as protection and a long-term savings vehicle at the same time.

Start early and fund consistently

Buying coverage at a younger age and in better health improves pricing. The longer a policy is funded, the more time cash value has to compound, and the larger the potential income stream. That cash value can help with retirement income, education costs for loved ones, or unexpected expenses like medical emergencies or home repairs. Flexible premiums help overcome the objection that the policy costs too much: clients can fund what they can reasonably afford. Policies must be monitored, since loans and withdrawals reduce the death benefit and can cause a lapse if mismanaged.

Make it part of every retirement conversation

Many clients want to talk about retirement but feel overwhelmed. If you haven’t shown them how cash value life insurance fits, another advisor may. Our team can help you compare accumulation products and build a design for any budget. For high earners, see how overfunded UL compares to a Roth IRA.

Frequently asked questions

Can life insurance be used to save for retirement?

Yes. Cash value policies grow tax-deferred, and properly structured policies can provide tax-free income through withdrawals up to basis and policy loans, while also providing a death benefit.

How much does a client need to fund a cash value policy?

Premium is flexible. Designs can be built for budgets from around $100 a month to $10,000 a month or more, depending on the client’s goals.

What are the risks of using life insurance for retirement income?

Loans and withdrawals reduce the death benefit, and an over-borrowed or underfunded policy can lapse and trigger taxes. Policies need regular monitoring and conservative illustrations.

50+ Years in Business60+ Top-Rated Carriers★★★★★ Rated by Advisors

Reviewed by Tim Fuller on 2026-09-26

Tim Fuller

President, SRS Inc.

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Wellness Credits: How Healthy Habits Can Improve a Life Insurance Rating

September 25, 2026April 2, 2021 by Tim Fuller

Underwriter reviewing medical and financial data with a client during risk assessment

Clients who take care of their health should get credit for it. One top carrier’s wellness program does exactly that, automatically upgrading qualifying clients by up to one rate class.

Key takeaways

The program is open to all ages and face amounts on most of the carrier’s products.
Qualifying clients can move up one class, including from Preferred to Preferred Plus, and substandard ratings can improve too.
Criteria include healthy BMI, low untreated blood pressure, favorable family history, up-to-date screenings, and excellent A1C.

Healthy habits can move a client up a full rate class — from Preferred to Preferred Plus, or out of a table rating.

How the program works

The carrier reviews lifestyle and health markers during underwriting. Clients who meet the criteria may be credited up to one classification, whether moving from Preferred to Preferred Plus or improving a substandard rating.

Sample criteria

BMI between 22 and 29 (ages 18+)
Untreated blood pressure below 120/80
No coronary artery disease, diabetes, or cancer in parents or siblings before age 60, or both parents living to 75+
Normal routine screenings (colonoscopy, mammogram, pap smear, CBC, skin checks) within the last three years
Hemoglobin A1C between 5.0 and 5.5 in the last 12 months

Program details can change; confirm current criteria with our team.

Related programs

Other carriers use different credit approaches; see lifestyle and fitness credits and one-class upgrade programs.

Frequently asked questions

What are wellness credits in life insurance?

Credits some carriers apply for healthy habits and test results, which can improve a client’s rate class.

Can a healthy lifestyle lower my life insurance premium?

Yes. With some carriers, favorable BMI, blood pressure, screenings, and lab results can move you up a rate class.

Do up-to-date cancer screenings help life insurance?

At some carriers, normal routine screenings within the last three years count toward wellness credits.

50+ Years in Business60+ Top-Rated Carriers★★★★★ Rated by Advisors

Reviewed by Tim Fuller on 2026-09-25

Tim Fuller

President, SRS Inc.

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Are Long-Term Care Benefits Taxable? Benefits, Per Diem Limits, and Deductible Expenses

September 25, 2026April 1, 2021 by Tim Fuller

Adult daughter and her aging mother sharing a warm moment while discussing long-term care planning

Clients sit up when you talk taxes. Long-term care insurance has tax advantages at three points: when premiums are paid, when benefits are received, and when clients pay for care out of pocket.

Key takeaways

Benefits from tax-qualified LTC policies are generally income-tax-free, up to actual care costs or the IRS per diem limit, whichever is greater.
Premiums may be deductible up to age-based IRS eligible premium limits, with larger deductions available to some business owners.
Out-of-pocket long-term care expenses can generally be deducted as medical expenses, except payments to unlicensed family members.

Tax-qualified LTC benefits are generally tax-free up to the greater of actual care costs or the IRS daily limit.

Benefits are generally tax-free

Benefits from a tax-qualified long-term care policy are generally excluded from income as long as they don’t exceed the greater of the actual qualified care expenses or the IRS per diem limit, which is adjusted each year. For indemnity and cash policies, the per diem limit matters most.

Premiums may be deductible

Individuals: tax-qualified premiums count as medical expenses up to age-based “eligible premium” limits.
Self-employed owners: can generally deduct eligible premiums for themselves, spouses, and dependents, and actual premiums paid for employees.
C-corporations: can generally deduct actual premiums for owner-employees, spouses, dependents, and employees.

Details in four ways LTC insurance provides tax advantages and LTC for small business owners.

Out-of-pocket care can be deductible

Qualified long-term care expenses paid out of pocket can generally be claimed as medical expenses. The main exception is care provided by a relative who isn’t a licensed health care professional.

State incentives

Many states offer additional deductions or credits for tax-qualified LTC premiums, on top of federal benefits. Rules vary, so clients should confirm with a tax advisor.

Frequently asked questions

Are long-term care insurance benefits taxable?

Benefits from tax-qualified policies are generally tax-free up to the greater of actual care costs or the IRS per diem limit.

Can I deduct long-term care expenses I pay myself?

Qualified out-of-pocket LTC expenses are generally deductible as medical expenses, except payments to unlicensed family caregivers.

What is the IRS per diem limit for long-term care?

An annually adjusted daily amount up to which indemnity LTC benefits are tax-free regardless of actual expenses.

50+ Years in Business60+ Top-Rated Carriers★★★★★ Rated by Advisors

Reviewed by Tim Fuller on 2026-09-25

Tim Fuller

President, SRS Inc.

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Disability Income as an Employee Benefit: Multi-Life Plans for Business Owners

September 25, 2026March 31, 2021 by Tim Fuller

Employers are always looking for ways to attract and keep good people without inflating wages. A strong benefits package is one of the best tools, and disability income coverage is one of the most valued, and most often missing, pieces.

Key takeaways

In one carrier’s survey, 61% of employees said strong benefits motivated them to work harder and stay with their employer.
Individual disability coverage can be offered to businesses with as few as two employees.
Multi-life programs can offer 20–30% discounts and unisex rates, with varying underwriting options.

A 20–30% multi-life discount with unisex rates makes individual DI an affordable benefit even for small businesses.

Why employees value it

In a survey by one of our carrier partners, 61% of employees said a strong benefits package encouraged them to work harder, and 61% said it gave them more reason to stay. Protecting their finances from an unexpected event is a top concern for many workers.

What we can offer

Multi-life and group disability plans for businesses from two to 100+ employees
Several underwriting options, from full to simplified or guaranteed issue, depending on group size and participation
Discounts of 20–30% and unisex rates, depending on the program
Marketing materials, quotes, policy reviews, and worksite enrollment support

Where to start

Start with the owner’s own coverage, then key employees, then the broader group. See discounts for contractors and small groups and guaranteed issue short-term disability.

Frequently asked questions

Can a small business offer individual disability insurance to employees?

Yes. Multi-life programs can cover businesses with as few as two employees, often with discounts.

What discounts are available for multi-life disability insurance?

Often 20–30%, plus unisex rates, depending on the carrier and number of lives.

Is employer-paid disability insurance taxable?

If the employer pays the premium, benefits are generally taxable to the employee. Employee-paid or bonused premiums can make benefits tax-free.

50+ Years in Business60+ Top-Rated Carriers★★★★★ Rated by Advisors

Reviewed by Tim Fuller on 2026-09-25

Tim Fuller

President, SRS Inc.

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How Much Key Person Life Insurance Can a Business Buy?

September 26, 2026March 30, 2021 by Tim Fuller

When a business owner asks how much coverage the company can buy on a key executive, the answer depends on more than salary. Knowing everything carriers will count can significantly increase the amount you can place.

Key takeaways

Many carriers allow key person coverage of up to about 10 times total compensation, not just W-2 salary.
Business debt and buy-sell obligations can justify additional coverage.
Term insurance is often a cost-effective fit because the need usually ends at retirement or a planned exit.

Total compensation includes bonuses, perks, benefits, retirement contributions and deferred compensation — not just salary.

The standard key person formula

Many carriers will allow a business to own coverage on an important executive of up to roughly ten times their total compensation package. That package includes more than W-2 salary:

Bonuses
Perks such as club memberships
Fringe benefits such as health insurance
Qualified retirement plan contributions
Deferred compensation
Use of a company car or other business assets

Guidelines vary by carrier, so confirm current rules. See our related piece on key person coverage for sweat equity.

Stretching the limits

Some carriers will allow a larger multiple with strong financial justification. Others may use a lower multiple if the executive is unlikely to work ten more years. For owner-executives, a carrier may count part of the proposed insured’s Schedule K income. If the executive is receiving ownership interests, the value of those interests may be treated as compensation.

Debt and redemption obligations

Some carriers will allow extra coverage tied to a portion of the company’s long-term loans, if losing the executive would hurt the company’s ability to repay. Lenders sometimes require this coverage and take a collateral assignment.

A buy-sell agreement can also justify coverage: the agreed purchase price can be added to the amount sought. If there’s no agreement, that’s an opening to discuss one. Be aware that Connelly v. United States (2024) changed how company-owned policies funding a redemption can affect business value for estate tax, so structure matters. See cross-purchase buy-sell planning.

Why term often works

Key person needs usually last only until the executive’s expected retirement or the end of a planned period of service. That makes cost-effective term insurance a natural fit, and company-owned cases are often easier to place. Our Underwriting Team can help you document financial justification before you submit.

Frequently asked questions

How is key person insurance calculated?

Many carriers allow up to about 10 times the executive’s total compensation, including salary, bonuses, perks, benefits, retirement contributions and deferred compensation. Rules vary by carrier.

Can business debt increase key person coverage?

Often, yes. Some carriers will allow extra coverage based on part of the company’s long-term debt if losing the executive would affect repayment.

Should key person insurance be term or permanent?

Term is often the most cost-effective choice because the need usually ends at retirement. Permanent coverage may make sense if the policy will later fund a buy-sell or a benefit for the executive.

50+ Years in Business60+ Top-Rated Carriers★★★★★ Rated by Advisors

Reviewed by Tim Fuller on 2026-09-26

Tim Fuller

President, SRS Inc.

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Return of Premium on Guaranteed UL: 4 Ways Clients Can Cash Out

September 26, 2026March 29, 2021 by Tim Fuller

Happy family of four laughing together on the couch, representing life insurance protection

Clients buy guaranteed universal life for dependable lifetime protection. But needs change over the years. A return of premium feature available on some GUL policies gives clients a built-in exit strategy, and it opens up several practical planning uses.

Key takeaways

Some GUL policies include a return of premium feature that lets clients surrender at set anniversaries and get their premiums back.
Clients who don’t use the feature keep their coverage with no impact on the policy.
Common uses include retirement income, college costs, business planning and paying up a second policy.

If clients don’t use the return of premium window, the policy simply continues — the option costs them nothing to keep.

How the return of premium feature works

With one design we’ve seen, the client buys a guaranteed universal life policy and pays the premium required to guarantee the death benefit to age 100. At the 15th, 20th and 25th policy anniversaries, the client has a 60-day window to surrender the policy and receive their paid premiums back. If they don’t use the window, the policy continues unchanged. Features, timing and cost vary by carrier, so confirm current availability and terms.

Four ways clients can use it

Retirement. A 45-year-old has 20 years of death benefit protection. At 65, she takes her premiums back to supplement retirement income.
College costs. A parent with young children owns two permanent policies, one a GUL with return of premium. Once the children reach college age and the family’s coverage needs change, he surrenders the GUL in year 15, 20 or 25 and uses the cash for tuition.
Business planning. A business owner buys GUL to protect her company against the loss of a key employee. The employee resigns in year 18; at the 20-year window, she receives her premiums back.
Paying up another policy. A 55-year-old needs $5 million of coverage and buys two GULs, $2 million and $3 million. At 75 he needs less. He surrenders the $2 million policy and uses the cash to pay up the $3 million policy, leaving him with no further premiums.

Why it helps the sale

The biggest objection to permanent coverage is the fear of paying premiums for decades and getting nothing back if plans change. A return of premium option answers that objection directly. It also creates natural review points at each anniversary window. For key person uses, see how much key person coverage a business can buy.

Frequently asked questions

What is return of premium on guaranteed universal life?

It is a feature on some GUL policies that lets the owner surrender the policy at specific anniversaries, such as years 15, 20 and 25, and receive the premiums paid back.

Does the return of premium feature cost extra?

It depends on the carrier and product. Some have included it at no additional charge; others price it in. Confirm current terms before illustrating.

What happens if the client doesn’t use the window?

The policy continues as a guaranteed death benefit policy with no change.

50+ Years in Business60+ Top-Rated Carriers★★★★★ Rated by Advisors

Reviewed by Tim Fuller on 2026-09-26

Tim Fuller

President, SRS Inc.

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The Underwriting Cover Letter: What to Include and Why It Matters

September 25, 2026March 26, 2021 by Tim Fuller

By the time an application reaches the carrier’s underwriter, it has passed through the advisor, their staff, a brokerage case manager, and the carrier’s new business team. A short cover letter makes sure the underwriter still gets the full story.

Key takeaways

The application’s brief answers rarely give an underwriter the whole picture on a large or unusual case.
A cover letter should explain the purpose, how the face amount was set, and the relationships between owner, insured, beneficiary, and payer.
SRS can help draft and submit the cover letter for you.

The application answers what. The cover letter answers why — and that’s what underwriters need on complex cases.

Why cover letters prevent problems

Every hand an application passes through is a chance for context to get lost. Unexplained details lead to delays, extra requirements, and sometimes declines. A clear, concise cover letter answers the underwriter’s questions before they’re asked.

What to include

The purpose of the coverage, stated fully
How the face amount was determined
The relationships among the owner, insured, beneficiaries, and premium payer
All in-force and applied-for coverage on the insured and on other family members or key people
Supporting documents available on request, such as trusts, financial statements, or business agreements
Anything that might raise a question, such as coverage above standard financial guidelines

Keep it short and clear

It doesn’t need to be long, just clear. A few paragraphs covering the points above is usually enough. See a real example of what happens when the purpose of an $8 million case isn’t explained.

Let us help

Our team regularly drafts and submits cover letters for advisors. Send us the details and we’ll put it together.

Frequently asked questions

Do I need a cover letter for a life insurance application?

It’s not required, but it’s strongly recommended for large, business, estate, or unusual cases where the application alone doesn’t explain the need.

What should an underwriting cover letter include?

The purpose of coverage, how the amount was determined, relationships among owner, insured, beneficiary, and payer, other coverage in force, and available documentation.

Can SRS write the cover letter for me?

Yes. Our team can draft and submit it with your case.

50+ Years in Business60+ Top-Rated Carriers★★★★★ Rated by Advisors

Reviewed by Tim Fuller on 2026-09-25

Tim Fuller

President, SRS Inc.

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Needs Analysis Before Choosing a Long-Term Care Product: Traditional, Hybrid, or Rider

September 25, 2026March 25, 2021 by Tim Fuller

Many advisors lead with asset protection. But clients buy long-term care coverage for different reasons, and the right product depends on which reason matters most to them. Uncover that first.

Key takeaways

Common motivations: not burdening family, choosing where to receive care, keeping control, and staying at home.
Ask one or two questions to isolate the client’s most important reason.
Match the motivation to the product: traditional, hybrid, or rider-based coverage.

“If you ever need care, what matters most to you about it?” The answer tells you what to recommend.

Think: why do people buy?

To avoid burdening loved ones with caregiving
To choose where they receive care
To keep control of care decisions
To stay in their own home
To protect assets for a spouse or heirs

Ask: find the primary reason

“What’s the main reason you’re considering long-term care coverage?”
“If you ever need care, what’s most important to you about it?”
“What’s your biggest concern about getting older and needing help?”

Present: match the product to the need

Maximum care benefit per dollar: traditional LTC insurance.
Doesn’t want premiums “wasted” or wants guaranteed premiums: hybrid life or annuity LTC. See asset-based LTC with guaranteed premiums.
Needs life insurance anyway, or can’t qualify for LTC: LTC or chronic illness rider. See chronic illness vs. LTC riders.
Wants flexibility to pay family caregivers: a cash or indemnity benefit.

Many carriers also offer care coordination and family support services worth highlighting.

Frequently asked questions

How do I choose between traditional and hybrid long-term care?

Consider whether the client wants the most care benefit per dollar (traditional) or wants a death benefit and guaranteed premiums (hybrid).

Why do people buy long-term care insurance?

Most want to avoid burdening family, choose where they get care, stay independent, and protect their assets.

What should be discussed before showing an LTC illustration?

The client’s main reason for considering coverage, so the product and design match what they value.

50+ Years in Business60+ Top-Rated Carriers★★★★★ Rated by Advisors

Reviewed by Tim Fuller on 2026-09-25

Tim Fuller

President, SRS Inc.

Connect on LinkedIn →

Tim Fuller

Why the home is the right starting point

Disability insurance vs. mortgage disability riders

A simple script

Frequently asked questions

Tim Fuller

We’re Here to Help

Why indexed UL fits executive bonus plans

Design features that add value

The two-policy solution

Setting expectations

Frequently asked questions

Tim Fuller

We’re Here to Help

More than protection

Why term alone may leave value on the table

Start early and fund consistently

Make it part of every retirement conversation

Frequently asked questions

Tim Fuller

We’re Here to Help

How the program works

Sample criteria

Related programs

Frequently asked questions

Tim Fuller

We’re Here to Help

Benefits are generally tax-free

Premiums may be deductible

Out-of-pocket care can be deductible

State incentives

Frequently asked questions

Tim Fuller

We’re Here to Help

Why employees value it

What we can offer

Where to start

Frequently asked questions

Tim Fuller

We’re Here to Help

The standard key person formula

Stretching the limits

Debt and redemption obligations

Why term often works

Frequently asked questions

Tim Fuller

We’re Here to Help

How the return of premium feature works

Four ways clients can use it

Why it helps the sale

Frequently asked questions

Tim Fuller

We’re Here to Help

Why cover letters prevent problems

What to include

Keep it short and clear

Let us help

Frequently asked questions

Tim Fuller

We’re Here to Help

Think: why do people buy?

Ask: find the primary reason

Present: match the product to the need

Frequently asked questions

Tim Fuller

We’re Here to Help

Tim Fuller