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Products Overview

DPL offers our members access to a wide range of low-cost, Commission-Free annuities and life insurance products from some of the nations top carriers.

Annuities

Annuities are perhaps the only way to mitigate longevity risk, but they also are a more efficient means of generating retirement income. Annuities can quickly outperform fixed income in generating retirement income, and provide payouts long after fixed income portfolios would be depleted.

Annuities - Custom Access

Type Summary
Structured Variable Annuity

Structured Variable Annuities (SVAs) are tax-deferred insurance vehicles that provide upside potential with a defined degree of downside protection. The investor assumes the portion of the market risk that is in excess of the "buffer" or the initial losses before reaching the "floor", but in exchange receives a higher participation rate...

Solves for Principal Protection, Retirement Income
Deferred Income Annuity

A deferred income annuity is a contract funded with a lump-sum payment (premium) in exchange for guaranteed income payments at a future date. Also known as a longevity annuity because of QLAC-eligibility, a DIA can serve as a pension-like income stream for investors without a defined benefit plan through their employer. A DIA helps bridge an income gap and maintains an...

Solves for Retirement Income, Tax Deferral
Fixed Indexed Annuity

Fixed indexed annuities are tax-deferred insurance products that provide market upside, while protecting principal from market losses. Assets are allocated into indices that are designed to replicate market performance. These indices are typically accompanied with cap rates, spreads, or participation rates.

Solves for Retirement Income, Principal Protection, Annuity Rescue+
Fixed Annuity

Fixed annuities are tax-deferred insurance vehicles that provide a guaranteed minimum fixed rate of return that is typically reset on an annual basis. Some types of fixed annuities, known as multi-year guaranteed annuities (MYGAs), can offer a fixed rate of return for the duration of the product. Fixed annuities provide tax...

Solves for Retirement Income, Principal Protection, Tax Deferral
Single Premium Immediate Annuity

A single premium immediate annuity is a contract funded with a single lump-sum payment (premium) in exchange for guaranteed income payments. Designed to supplement retirement income, a SPIA insures the purchaser against outliving their money or exhausting it within a certain timeframe. A SPIA can begin paying income immediately, bypassing...

Solves for Retirement Income, Principal Protection
Variable Annuity

Variable annuities are tax-deferred insurance contracts with an underlying value that fluctuates based on the performance of the underlying investments. These products often offer insurance benefits such as guaranteed income or a death benefit. The ability to annuitize assets into a guaranteed lifetime income stream is the fundamental feature that qualifies a...

Solves for Tax Deferral, Annuity Rescue+, Legacy Planning

Life Insurance

Traditionally used as a means of income replacement, life insurance provides powerful possibilities with effective implementation. Through DPL, RIAs can now incorporate insurance as part of their clients' holistic financial plans, allowing additional tax deferral, tax-free income, and wealth transfer efficiency for individuals, and new solutions for sophisticated business scenarios.

Life Insurance

Type Summary
Variable Universal Life Insurance

Variable Universal Life is a permanent life insurance policy where the cash value is invested in funds or fixed accounts providing opportunity for growth. Its structure allows for flexible premium payments and an adjustable death benefit, which can be impacted by the investment performance of the cash value. Because of its variable...

Solves for Wealth Accumulation, Retirement Income
Life Settlements

Pruchases policyowner's life insurance policy at current market value

Solves for Retirement Income

Products by Solution

Commission-Free annuities can be used to solve for a number of client needs in the financial plan.  DPL's team can help you find the right product for your client's need and assists you to model it in your planning software.

Products by Solution

Retirement Income

Principal Protection

Annuity Rescue+

    It’s likely that many of your clients already own at least one annuity. Commission-Free annuities can be leveraged to add value beyond just cost savings. DPL works with our members to analyze clients’ existing annuity policies to determine if there is a more cost-effective alternative or additional benefits a no-load solution can bring to the financial plan.

  • Fixed Indexed Annuity
  • Variable Annuity

Legacy Planning

    For many clients leaving a legacy to heirs is a high priority in their financial plan. There is no more certain way to accomplish this goal than through insurance.

  • Variable Annuity

Wealth Accumulation

    Permanent life insurance policies, once the commission is eliminated, provide benefits which can be powerful for wealth accumulation. Without a hefty commission being removed from premiums, client assets grow and can be withdrawn tax free.

  • Variable Universal Life Insurance

Tax Deferral

Get Started

To learn more about low-cost, Commission-Free solutions call us at 888.327.0049 and speak to a DPL consultant.

DPL


©2020 DPL Financial Partners, LLC. All rights reserved.

DPL Financial Partners does business in the state of California as DPL Insurance Solutions
under California License #0M42434.

Securities offered through The Leaders Group, Inc. Member FINRA / SIPC
26 W. Dry Creek Circle, Suite 800, Littleton, CO 80120 • 303-797-9080
DPL Financial Partners is not affiliated with The Leaders Group, Inc.

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