TABLE OF CONTENTS -
GENERAL
*GE 96-396 My Diversified Financial
Services Available (EQP)
(A Chart Showing Services Agents Can Provide
for Their Clients)
INSURANCE CONCEPTS
GE 96-211 Paying Premiums With Pre-Tax Earnings (EQP)
GE 96-261 $100,000 Doesn’t Go Far (SC)
GE 96-394 How much money will your loved ones need when you die? (EQP)
GE 96-398 What the claims paying ability
ratings mean (EQP)
(Equitable’s Current Financial Ratings)
GE 96-401 Which is your most valuable asset? (EQP)
GE 96-417 Income Tax Efficiency (EQP)
(Taxation of Life Insurance vs. Alternative Investments)
GE 96-390 Volume Discount-Term 10 (EQP)
GE 96-393 Volume Discount - Equitable Level Term (EQP)
GE 96-391 Volume Discount - Equitable Whole Life (EQP)
GE 96-392 Volume Discount - Equitable
Term III (EQP)
VARIABLE LIFE INSURANCE
EV 96-62 Flexible Premium Life Insurance and
Risk (EQP)
(Funding Levels Determine Risk)
EV 96-57 Which Life Insurance Policy Would You
Buy? (SC)
(IL Plus vs. Whole Life vs. Universal Life)
EV 96-57 Which Life Insurance Policy Would
You Buy? (EQP)
(IL Protector vs. Whole Life vs. Universal Life)
EV 96-15 Which Approach
Do You Prefer? (EQP & SC)
(Funding Levels for Variable Life)
EV 96-19 Incentive Life Plus (SC)
(Flow Chart)
EV 96-58 Volume Discounts (SC)
(IL Plus)
EV 96-90 Volume Discount - IL Protector (EQP)
EV 96-33 IL Protector; Equitable’s Solution to Your Life Insurance Needs (EQP)
EV 96-68 Life Stages & Insurance
Protection (EQP)
(IL Plus) Slide presentation and corresponding note pages
EV 96-37 Incentive
Life Face Amount Increases (EQP)
(For Existing Clients)
EV 96-39 Incentive
Life 2000 Face Amount Increases (EQP)
(For Existing Clients)
EV 96-40 Incentive Life Plus Face
Amount Increases (EQP)
(For Existing Clients)
INVESTING CONCEPTS
GE 96-205 The Cost of Waiting (EQP)
GE 96-212 Start Saving Early (EQP)
GE 96-254 What People Do? (SC)
GE 96-256 The Price of Procrastination
(SC)
$250,000 Saving Goal
GE 96-257 The High Cost of Procrastination (SC)
GE 96-258 History Of The Real Rate Of Return
Of A Certificate of Deposit (SC)
(Minus Taxes & Inflation)
GE 96-259 Dollar Cost Averaging (SC)
GE 96-260 Why People Fail To Become Financially Independent (SC)
GE 96-461 Inflation - Hidden Losses
(EQP)
(Loss of Purchasing Power Value of $1000)
COMMON STOCKS
GE 97-96 Range of Returns on
Common Stocks: (S&P 500) 1926-1996 (EQP)
GE 96-201 101 Years
of the Dow (EQP)
(Investment History of Dow Jones)
GE 97-105 Investment Returns Versus
Inflation by Decade (EQP)
Average Annualized Rates of Return
EV 96-56 Incentive
Life Plus (SC)
(pgs. 1-15) (A summary
of the features and benefits of the product,
risk management and investment performance of IL Plus)
RETIREMENT CONCEPTS
GE 96-262 How Long Will Your Nest Egg Last? (SC)
GE 96-283 Social Security Retirement Benefits (EQP)
GE 96-284 Income Taxes on Your Social Security Benefits (EQP)
GE 96-285 Social Security Costs (EQP)
GE 96-286 Earning Limitations and Your Social Security Benefits (EQP)
*GE 96-329 How to Calculate Your Profit
Sharing Contribution (EQP)
(Self-Employed Qualified Contribution Worksheet)
GE 96-467 1997 Covered Compensation Table (EQP)
GE 96-238 When It Comes to Retirement Planning, The Facts Are Unsettling (SC)
GE 96-239 You’ll Need To Accumulate Substantial Capital to Retire Comfortably (SC)
GE 96-240 As Inflation Eats Away at Your
Retirement Funds, You’ll Need More
Money Just to Maintain the Same Lifestyle
(SC)
GE 96-241 To Maintain Your Standard of
Living, You May Need As Much As 65%
to 85% of Your Pre-Retirement Income (SC)
GE 96-242
Income from Social Security and Company Sponsored Pension Plans
May Not Be Enough! (SC)
INSURANCE AND RETIREMENT PLANNING
*EV 94-02 Personal Insurance and Retirement Plan (EQP)
*EV 94-03 An Executive Bonus Plan Funded with Life Insurance (EQP)
*EV 94-04 A Strategy Using Life Insurance to Supplement Your 401(K) Plan (EQP)
EV 96-61 Cash Value Life Insurance Provides Tax-Free Retirement Income (EQP)
GE 96-460 Diversify Your Retirement
Dollars and Develop Control Over Your
Retirement Savings Tax Liability (EQP)
(Qualified Plan vs. Personal Insurance and Retirement Plan)
NON-QUALIFIED RETIREMENT PLANS
*GE 96-184a Measuring the Impact of IRS Salary
Limitations on Employer Retirement
Plan Contributions (EQP)
(Worksheet to Show Loss of Retirement Benefits to
Highly Compensated Executives)
GE 96-184b Measuring
the Impact of IRS Compensation Restrictions on 401(K) Plans
(EQP)
GE 96-309 Corporate Salary Continuation Plans (EQP)
GE 96-395 Compensation Limit on Qualified Retirement Plans (EQP)
GE 96-397 ERISA Defined Benefit Limit (EQP)
GE 96-399 ERISA Defined Contribution Limits (EQP)
GE 96-328 Using Employer Dollars to Fund Employee Retirement (EQP)
GE 96-415 Growth in Number of Deferred Compensation Plans Established (EQP)
GE 96-462 Reverse Discrimination - 401(k
) Retirement Savings Plan (EQP)
Maximum Pretax Deferral as a Percentage of Compensation for 1997
GE 96-464 Reverse Discrimination - 401(k) Plan (EQP)
GE 96-466 Reverse Discrimination
- 401(k) Retirement Savings Plan (EQP)
Maximum Pretax Company Match as a Percentage of Compensation for 1997
INCOME TAX CONCEPTS
GE 96-459 1997 Income Tax Rates -
Single Individuals
Married Filing Joint Returns (EQP)
GE 96-411 Maximum Federal Income Tax Rates (EQP)
GE 96-412 Maximum Federal Income Tax Rates for Individuals (EQP)
GE 96-255 Tax-Deferred
Compounding (SC)
$10,000 Initial Investment
GE 96-204 Something
To Think About (EQP)
(Benefit of Tax Savings)
BUSINESS INSURANCE
GE 96-293 Split Dollar Funding Life Insurance Trust (EQP)
GE 96-302 Split Dollar Plan - Collateral Assignment Method (EQP)
GE 96-305 Key Person Life Insurance (EQP)
GE 96-308 Split Dollar Plan - Endorsement Method (EQP)
GE 96-311 Salary Continuation Plan (EQP)
GE 96-307 Section 162 (a) Bonus Plan (EQP)
GE 96-301 Group Term Carve Outs (EQP)
GE 96-306 Death Benefit Only (DBO) Plan (EQP)
GE 96-264 When Your Corporation Borrows
Money---Do You Sign Once Or Twice (SC)
(pgs. 1-3)
Typical “Guarantor’s Fee” Method
Substitute Creditor Method
BUSINESS CONTINUATION
GE 96-250 Odds of at Least One Death Before Age 65 (SC)
GE 96-251 Why Businesses Failed in 1993 (SC)
GE 96-252 These Deceased Business
Owners Had No Buy-Sell Agreement....and Their
Heirs Paid The Price! (SC)
GE 96-292 A Buy-Sell Presentation Plan
(EQP)
(A Client Presentation)
GE 96-299 Buy-Sell Plan
- Cross Purchase Plan (EQP)
GE 96-310 Buy-Sell Plan
- Stock Redemption and Entity Purchase (EQP)
GE 96-253 The Mixmaster Approach
to Buy-Sell Agreements (SC)
(pgs. 1-4)
ESTATE PLANNING
EV 96-66 Life Insurance for Estate Settlement
Expenses (EQP)
- A Client Presentation -
*GE 96-210 Estate Settlement Expense Worksheet (EQP)
GE 96-298 Section 303 Partial Stock Redemption (EQP)
*EV 96-41 Federal Estate Tax and Liquidity Needs Worksheet (EQP)
GE 96-202 Triple Taxation Can Reduce Your
Qualified Retirement Assets at Death (EQP)
(Large Qualified Plan Retirements Benefits May Be Subject to
3 Types of Taxes)
GE 96-414 Current Federal Estate
Tax (EQP)
“The Tax On Success“
GE 96-409 The Cost Of Ignoring Federal Estate Taxes? (EQP)
GE 96-410 Borrowing From The IRS to Pay Federal Estate Taxes(Section 6166) (EQP)
GE 96-463 Alternative Approaches To Addressing Your Estate Tax Problem (EQP)
GE 96-413 Assets Subject To Estate And Gift Taxes (EQP)
GE 96-465 Will The IRS Get The Largest Share Of Your Assets? (EQP)
GE 97-79 Federal Estate Taxes (EQP)
GE 97-82 Potential Estate Planning Goals (EQP)
GE 97-83 Estate
Planning (EQP)
(An Outline of Tools and Techniques)
GE 97-88 The Impact of Estate Taxes (EQP)
GE 96-246 Federal Estate Tax Chart (SC)
GE 96-247 Lifetime Transfers Versus Transfers at Death (SC)
GE 96-248 Estate Distribution Plan (SC)
GE 96-249 Paying Estate Taxes - Your Choice (SC)
EV 96-54 The Four
Ways to Pay $1,000,000 in Estate Taxes (SC)
EDUCATION FUNDING
GE 96-243 Today’s College Costs (SC)
GE 96-244 The College Advantage (SC)
GE 96-245 The Cost of
Education (SC)
TAXATION, REVENUE RULINGS AND INTERNAL CODE SECTIONS APPLICABLE TO LIFE INSURANCE AND SPLIT DOLLAR PLANS
GE 96-224 Taxation Affecting Split Dollar Plans (EQP)
GE 96-230 Selected Revenue Rulings on Split Dollar (EQP)
GE 96-231 Internal
Revenue Code-Sections Applicable to Life Insurance (EQP)
The following EQ Presentor presentations are NOT APPROVED
for use in the jurisdictions listed below:
· PUERTO RICO:
EV 94-02, EV 94-03, EV 94-04, GE 96-184a, GE 96-184b,
GE 96-230, GE 96-292, GE 96-293, GE 96-298, GE 96-299.
GE 96-301, GE 96-302, GE 96-307, GE 96-308, GE 96-310, GE 96-311, GE 96-329,
GE 96-394, GE 96-395, GE 96-396, GE 96-397, GE 96-398, GE 96-399, GE 96-401,
GE 96-409, GE 96-410, GE 96-411, GE 96-412, GE 96-413, GE 96-414, GE 96-415,
GE 96-417, GE 96-459, GE 96-460, GE 96-461, GE 96-462 GE 96-463, GE 96-464,
GE 96-465, GE 96-466, GE 96-467,
GE 97-79, GE 97-82, GE 97-83, GE 97-88, GE 97-96,
GE 97-105
· ARIZONA, CONNECTICUT, FLORIDA, GEORGIA, MARYLAND, MICHIGAN, PUERTO RICO and TEXAS
EV 96-68, EV 96-90
· ARIZONA, FLORIDA, MICHIGAN, and PUERTO RICO:
EV 96-37, EV 96-39, EV 96-40, EV 96-61
· FLORIDA and PUERTO RICO
EV 96-41, EV 96-62
· ARIZONA and MICHIGAN
EV 96-15
· ARIZONA and PUERTO RICO
GE 96-390, GE 96-391, GE 96-392 & GE 96-393
· CONNECTICUT
EV 96-57
· CONNECTICUT and PUERTO RICO
GE 96-210 and GE 96-211
· FLORIDA, TEXAS and PUERTO RICO
GE 96-309
DO NOT use these presentations in the above jurisdictions unless you receive a Line Action Message (L.A.M.) stating that the piece has been approved for use.
To verify the current status of a piece, refer to the L.A.M. section in Equipedia.
Sales Concepts (EQ Presentor Series)
The following Sales Concept presentations are NOT APPROVED for use in the jurisdictions listed below:
· PUERTO RICO:
All pieces of the Sales Concepts
Do not use any of the pieces in the above jurisdiction unless you receive a Line Action Message(LAM) stating that the pieces are approved for use.
· CONNECTICUT, FLORIDA and TEXAS
GE 96-249, GE 96-259, GE 96-263, EV 96-54, EV 96-56
and EV 96-58
Do not use any of the pieces in the above jurisdiction unless you receive a Line Action Message (LAM) stating that the piece has been approved for use.
To verify the current status of a piece, refer to the Field Communications Drawer in Equipedia. Updates to jurisdiction approvals can be found in the LAM folder.
*Please note that Sales Concepts presentations consists
of nine files (sales concepts 1-9). Sales Concepts 1 will give you
an overview of the various types of presentations you will find in Sales
Concepts. The remaining eight files (Sales Concepts 2-9) are separated
into various subject headings (e.g. retirement, inflation, education funding,
estate planning) to help you meet the needs of your clients. Please
be patient while the files are loading.
