The Allocator software program is the first on-line Insurance & Super optimiser to be introduced into the Australian marketplace, revolutionising the way Financial Planners and Risk Advisers recommend Life Insurance.
Advisers using The Allocator are able to perform extremely complex Allocated Pension and Taxation calculations, quickly and accurately, with the touch of a button. Precise levels of Life Insurance, beneficiary allocations, family income maximized and taxation minimized.
A PDF is produced to be used as an addendum to your Statement of Advice. Beneficiary Allocations are clearly illustrated and should be transferred to your client’s ‘Nomination of Beneficiary’ form.
The Allocator is the perfect tool to help you satisfy the FOFA reforms regarding client reviews, as it is necessary to re-evaluate your client’s circumstances annually particularly as the children get older.
The Income Comparison section clearly illustrates to clients the income and taxation benefits over 1, 5 & 10 years that their families will receive by implementing your strategies using The Allocator software.
The Family Income Manager allows you to compare your estate plans and see the impact small changes can make to different scenarios, establish a family budget, visually illustrate plan differences to clients and generate reports.
If Accountants are part of your referral network, showing them how The Allocator works can provide them with comfort that the remaining members of the client’s family will continue to be valued accounting clients at the end of the pension term.
For example, if the Accountant tragically loses a ‘mum & dad’ client, they can still keep the SMSF if Death Benefit Pensions have been set up by you, for the children, using The Allocator.
This strategy ensures that the next generation should remain clients of your Centre of Influence once they enter the workforce – after all, their accountant would have been doing their tax returns ever since mum & dad passed away.
You, the Adviser: The Allocator is more comprehensive in determining the client’s requirements, sums insured are generally much higher and revenue can be obtained from superannuation rollovers, insurance commissions and advice fees. At claim time, given the substantial benefits the client will receive, advisers will place themselves in the very best position to take advantage of the following:
Everyone wins when you use The Allocator.
The Dealer Group/Insurer/Superannuation Provider: All of these win with The Allocator because the insurance proceeds are retained within the group rather than simply being deposited into a client’s bank account.
Why give money to the competition? They haven’t done any of the hard work to earn it!
The Client: This will be the first time that many of your clients have seen anything like this. Your clients can potentially benefit from tax-free earnings on their pension accounts, obtain tax-free income into the family, and have all debt extinguished.
What Australian does not want income maximised and taxation minimised for their family when tragedy strikes?
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