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Business Owner Life-Stage Design (BOLD)

BOLD is a ready-made marketing program for financial professionals to use with business-owner clients. With this toolset, you can empower your business-owner clients without starting from scratch. 

BOLD helps guide business owners to the right solution for the life stage they are in. Whether they’re fully operational focused on attracting and retaining key talent — or whether they are planning for retirement, BOLD has a solution.

Why BOLD?

Every day, your business owner clients face complex financial and business decisions that affect their professional and personal lives. Like how will they fund their own retirement? What should they consider regarding tax issues and long-term care costs? What benefits should they provide to attract top talent? When should they step back or retire from their business?

How to use BOLD with clients

The BOLD process

BOLD helps your clients determine their top priorities — and helps you identify solutions for them using an array of powerful resources.

BOLD helps you identify strategies and solutions that address the unique and complex challenges they face, enabling them to achieve both the short and long-term goals that matter most.

 

Bold process flow lg

BOLD sales support

Contact the Securian Financial Advanced Sales Team today.

1-888-413-7860, option 3

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Meet the team

Explore by business owner life-stage

Retirement

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Solutions for business owners exploring stepping back from business.

Explore solutions

Long-term care

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As clients age, having a strategy for dealing with future health care costs and access to the right support services can make a real difference.

Learn about our product

Estate planning

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Fully-designed strategies for estate planning solutions.

View strategies

Business succession

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Help business owners clarify their path to business succession.

Get started

Business continuity

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Provide business owners with turnkey business continuity resources and strategies.

Explore resources

Executive compensation

Attract and retain key employees with strategic executive compensation plans.

Explore how it works

Take BOLD action

Learn how to use BOLD with clients

Your business owner clients need life-stage specific tools. ­We’ll help you find the right solution.

View the step-by-step process

Life insurance products contain fees, such as mortality and expense charges, (which may increase over time) and may contain restrictions, such as surrender periods.

Please keep in mind that the primary reason for purchasing life insurance is the death benefit.

Additional agreements may be available. Agreements may be subject to additional costs and restrictions. Agreements may not be available in all states or may exist under a different name in various states and may not be available in combination with other agreements.

Policy loans and withdrawals may create an adverse tax result in the event of lapse or policy surrender and will reduce both the surrender value and death benefit. Withdrawals may be subject to taxation within the first fifteen years of the contract. Clients should consult their tax advisor when considering taking a policy loan or withdrawal.

The Policy Design chosen may impact the tax status of the policy. If too much premium is paid, the policy could become a modified endowment contract (MEC). Distributions from a MEC may be taxable and if the taxpayer is under the age of 59 ½ may also be subject to an additional 10% penalty tax.    

An annuity is intended to be a long-term, tax-deferred retirement vehicle. Earnings are taxable as ordinary income when distributed, and if withdrawn before age 59½, may be subject to a 10% federal tax penalty. If the annuity will fund an IRA or other tax qualified plan, the tax deferral feature offers no additional value. Qualified distributions from a Roth IRA are generally excluded from gross income, but taxes and penalties may apply to non-qualified distributions. Please consult a tax advisor for specific information. There are charges and expenses associated with annuities, such as surrender charges (deferred sales charges) for early withdrawals.

This information may contain a general discussion of the relevant federal tax laws. It is not intended for, nor can it be used by any taxpayer for the purpose of avoiding federal tax penalties. This information is provided to support the promotion or marketing of ideas that may benefit a taxpayer. Taxpayers should seek the advice of their own tax and legal advisors regarding any tax and legal issues applicable to their specific circumstances.

For financial professional use only. Not for use with the public. This material may not be reproduced in any way where it would be accessible to the general public.

DOFU 10-2022

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