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The PlanLab Difference

Software that helps sell insurance & investment solutions
Built in sales psychology motivates clients to take action
Client data shared among all tools
Powerful graphics make concepts easy to understand
Toll-free phone & email software support

Life Goals

Simple, goal-based needs analysis tool
Illustrates Survivor Income, Disability, Long-Term Care, Retirement, Education needs
One page synopsis of needs, order of needs can be rearranged
"Blank Slate" page allows client-specific recommendations

Financial Needs Analysis

Cash flow needs analysis - Education, Retirement, Survivor Income, Disability, LTC needs
Can do a single need or multiple needs analysis planning
Unlimited "What if?" scenarios

Financial Strategies

Comprehensive financial plan with Executive Summary
"Fee Only" presentation option to remove product recommendations
Advanced analysis on Debt, Stock Options, Investments, Estate, Scenario Comparisons
Includes Monte Carlo Simulation analysis

Retirement Road Map

Quick "Intro to Retirement Income/Distribution Planning" presentation
Answers pre-retiree's #1 question: "Do I have enough to retire?"
6 question fact finder considers SS, pension income, QP's, and other assets
Illustrates a "phased" retirement
Recommend asset mix, annuities, life insurance, LTCi

Qualified Plan Distribution Analysis (QPDA)

11 different focused sales presentations from the same tool
Multi-gen (Stretch) presentations for IRA/401(k), 403(b) plans and Roth IRAs
Use distributions for insurance premiums, illustrate 72(t) amounts
Calculations always force RMDs unless told otherwise
Compare traditional IRA vs. Roth Conversion

Annuity Strategies

Multi-gen (Stretch) presentation for non-qualified deferred annuities
Powerful wealth transfer tool considers income, estate and IRD taxes
Shows how life insurance can provide cash to pay taxes

Retirement Test Drive

Sophisticated retirement income/distribution analysis
Models monthly cash flow throughout retirement
Stresses planning against Adverse Risks such as premature death or LTC need
Monte Carlo Simulation analysis, Scenario Comparisons
Educational pages and "phased retirement" consistent with Retirement Road Map

Estate Tax Concepts

Educates clients on estate taxes, estate planning and motivates to take action
Illustrate future estate values, A/B Trust, moving existing life insurance to an ILIT
Calculate new life insurance needed to pass 100% of estate to the heirs

Estate Tax Analysis

Most sophisticated estate planning tool on the market
Wills, A/B Trusts, GRATs, GRUTs, CRATs, CRUTs, CLTs, QPRTs, QDOTs, IDGTs, FLPs
Move existing insurance to an ILIT and recommend additional life insurance
Annual Gifting/Charitable Bequests, State Death Taxes, Citizenship Sensitive

Wealth Distribution Analysis

Illustrates benefits and costs of planning from cash flow perspective
Compare scenarios considering Cash Flow, Net Worth and Net to Heirs
Provides "holistic" results - showing benefits and costs
Shows effects of estate planning if death occurs much later
Incorporates full range of estate planning techniques

Business Suite

3 tools in one suite allows planning for business owners
Key Person - evaluates person's impact on business and need for life insurance
Business Continuation - illustrates buy-sell concepts and life insurance to fund solution
Business Valuation - provides basis for amount of insurance needed

Wealth Strategies

Calculates Probability of Success^TM of your client's financial plans
Monte Carlo Simulations consider uncertainties in life causing financial plans to fail
Uncertainties include mortality, morbidity, inflation, asset fluctuations, inheritances
Not only provides advice, but provides how likely it is to work

Conceptual Tools

Take no more than 10 minutes to complete data entry
Based off information clients can provide off the top of their head
Presentations introduce concepts, disturb clients and motivate them to take action

PlanLab

Online storage of client documents and client presentations
Real-time task management and client alerts to keep you organized
Collaboration capabilities for other PlanLabÂ® members of your planning team
Advanced security features to protect client data
Regular communications providing training tips and sales concepts

Analytical Tools

Require more client data and in return, provide more detailed presentations
Utilizes monthly cash flow calculations
All Analytical Tools use same data entry

Life Goals	Financial Needs Analysis Financial Strategies
Retirement Road Map QPDA Annuity Strategies	Retirement Test Drive
Estate Tax Concepts	Estate Tax Analysis Wealth Distribution Analysis
Business Suite
ConceptualPlanLab Web PlatformAnalytical

Needs Analysis

Life Goals

Education, Retirement, Survivor, Disability, Long-Term Care, Quick, flexible data entry...

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Financial Needs Analysis

Education, Retirement, Survivor, Disability, Long-Term Care. Detailed, flexible asset entry and cash flow calculations...

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Financial Strategies

Includes Monte Carlo Simulation, Probablity of Success^®

10+ areas of analysis: Capital Needs plus Debt Analysis, Investment Analysis and Asset Allocation, Estate Planning, Monte Carlo Simulation, Scenario Comparisons...

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Business Owners