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Learn about the target market and key features of our for-profit and tax-exempt solutions:

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Which for-profit solution is right for your client?
Match prospects and their challenges with our solutions using the or the .

Which tax-exempt solution is right for your client?
Match prospects and their challenges with our solutions using the .

Bonus plans are a simple and effective way to help employers recruit, reward, retain, and retire key employees. It helps top talent increase their savings for the future, while helping their employer keep them for the long term. And LLC Member and S Owner plans provide death benefit protection and tax leverage without contribution limits or restrictions on compensation. The tax leverage comes with using life insurance to finance the plan, rather than it being based on a tax code provision.

Before the sale

Use the following:

• Bonus -- |
• Bonus – LLC Member --
• Bonus – S Owner --
• Bonus (Tax Exempt) --

During the sale

Use the following:

• Bonus -- |
• Bonus – LLC Member -- |
• Bonus – S Owner -- |
• Bonus (Tax Exempt) -- |

After the sale

Use the following:

Get to support these solutions.

Note: With LLC Member and S owner plans, a sample agreement is not necessary because the plan is implemented by and for the owners of the business.

This simple and cost-effective plan promises select employees that in the event of their death while covered by the plan, their named beneficiary(ies) will receive the death benefit specified under the plan. The business could purchase a life insurance policy on the key employees to help fund the liability, which could also provide key person coverage.

Before the sale

Use the following:

• Death Benefit Only --
• Death Benefit Only (Tax Exempt) --

During the sale

Use the following:

• Death Benefit Only -- | | Financial models: and
• Death Benefit Only (Tax Exempt) -- | | Financial model:

After the sale

Use the following:

Get to support these solutions.

We offer several types of solutions that businesses can use to reward key employees:

• 457(b) and 457(f) plans. A defined contribution or defined benefit plan that offers pre-tax deferral of participant compensation and/or employer contributions, depending on plan type and plan design.
• Defined Benefit. A plan providing select key employees a supplemental retirement benefit beyond qualified plan limits.
• Defined Contribution. A plan allowing select key employees to defer compensation above qualified plan limits.
• Incentive Bonus. A long-term incentive plan that allows employers to provide additional compensation to the key employees they choose.
• Select Reward. A defined benefit plan that enables employers to promise a lump-sum-benefit to select key employees payable at the end of a predetermined service period.
• SERP. A selective executive retirement plan to benefit one to five select key employees.

Use one of two fact finders to gather client information:

Before the sale

Use the following:

• Deferred Comp – 457(b) and 457(f) -- | | |
• Deferred Comp – Defined Benefit -- | and
• Deferred Comp – Defined Contribution -- | and  and 
• Deferred Comp – Incentive Bonus -- | and
• Deferred Comp – Select Reward --
• Deferred Comp – Select Reward (Tax Exempt) --
• Deferred Comp – SERP --

During the sale

Use the following:

• Deferred Comp – 457(b) and 457(f) -- For sample proposal, contact the RIS support team, (800) 952-3343, option 2.
• Deferred Comp – Defined Benefit -- For sample proposal, contact your local .
• Deferred Comp – Defined Contribution -- For sample proposal, contact your local .
• Deferred Comp – Incentive Bonus -- For sample proposal, contact your local .
• Deferred Comp – Select Reward -- | | |
• Deferred Comp – Select Reward (Tax Exempt) -- | |
• Deferred Comp – SERP -- | | |

After the sale

Use the following:

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Get sample agreements to support these solutions.

Split dollar plans are designed to provide valuable key person death benefits to a business and personal death benefit protection to a key employee’s family. We offer two plans:

• Loan Split Dollar. A plan that uses a loan to allow key employees and the employer to share the costs and benefits of the plan.
• Endorsement Split Dollar. A plan designed to provide key person death benefits to the business, and death benefit protection for the key employee’s family.

Before the sale

Use the following:

• Endorsement Split Dollar -- |
• Loan Split Dollar -- | |

During the sale

Use the following:

• Endorsement Split Dollar -- |
• Loan Split Dollar -- | |

After the sale

Use the following:

Get sample agreements to support these solutions.