We’ve transformed tax-free portfolios for your HNW and high-income clients.

As a fiduciary, you can’t ignore this innovation.

You don’t want one of your top clients to say:

 “I learned about an investment program that is

tax free in all respects,

is open architecture, and highly efficient.

An advisor manages it.

Why didn’t I hear this from you?

THREE INNOVATIONS

…THAT INCREASE CLIENT PROFITABILITY AND WEALTH,

WHILE ADVANCING YOUR PRACTICE.

1

IMPROVE PERFORMANCE

A tax-free portfolio you build, manage, and monitor using your firm’s preferred investments.

2

ENHANCE WEALTH PLANS

Freely access portfolio value – tax free – for a variety of important wealth planning applications

3

A PRACTICE BOOSTER

AUM growing for decades; build relationships with beneficiaries (children and charities).

IMAGINE…

A diversified portfolio structure, net of costs, that has the federal and state governments actually paying your HNW, high-income clients (through tax savings) to increase family wealth by millions of dollars (through a death benefit).

This is advisor-applied variable universal life (AAVUL).

Experienced PPLI Practitioners

Investment Product Firms

IMAGINING LEADS TO AAVUL INNOVATION

CALCULATE AAVUL CLIENT PROFITABILITY

Use these calculators to assess AAVUL’s profitability based on your top clients’ tax bracket and portfolio return targets

AAVUL Tax

Shield Benefit

Check the target portfolio return
to earn a desired AAVUL profit



AAVUL Tax

Shield Ratio

See how portfolio return and costs
mix to produce client profits



AAVUL Cash Flow

Comparison

Compare taxable and AAVUL
cash flows year by year



GET EDUCATED ON AAVUL’S INNOVATIONS

Our thought leadership guides you . . . on practice management . . . portfolio building . . . legal/regulatory understanding

AAVUL for TAX ALPHA

Tax Alpha E-Book

Learn how AAVUL is a one-step, comprehensive Tax Alpha solution

Cross_the_Chasm_Paper_Cover

Portfolio and Investing E-Book

Learn why an open architecture, optimized portfolio is a vastly better solution than using an IDF

The NEW PPLI

Legal/Regulatory Whitepaper

AdvisableWE’s investing and compliance technology transforms AAVUL portfolios and eliminates the risk that the valuable tax shield will be pierced

Journal of Financial Planning Article (10/2016)

Learn how AAVUL benefits advisors in delivering wealth management services

HOW TO USE AAVUL WITH HNW CLIENTS

You’ll be impressed how AAVUL’s tax-free cash access fuels a number of essential planning applications 

“Insurance Like It Should Be; Benefits Without Barriers” Planning Applications Brochure

AAVUL’s tax-free portfolio and tax-free cash access advance several important wealth planning applications

SAMPLE CLIENT SCENARIOS

High-Income/Dual Career Family

High-Income/Dual Career Family

Meet John & Catherine, Healthcare Successes

Wealthy Real Estate Investor

Meet Walt & Bernadette, Committed Real Estate Investors

Recent Divorcee

Meet Sandra, She’s Starting Anew

Retired Widower

Meet Alan, a Retired CEO

INSURANCE LIKE IT SHOULD BE

Benefits without Barriers

You’re most familiar with retail VUL and its drawbacks:
loads; high costs; complex products; investment limitations; a difficult sales process.
 
Check out our AAVUL partners’ solutions that keep VUL's benefits while removing the barriers.