With clients living longer than ever and depressed retirement asset values due to the financial crisis, retirement planning is a major concern for many clients. At the same time, business owners are concerned about losing their key people once the job climate improves. Non-qualified executive benefits can offer business owners a way to restore benefits to their key employees, build loyalty and ensure continuity. This program will cover the market for non-qualified executive benefit plans, give an overview of the most common types of plans that business owners have to select from and what factors are critical to designing the most suitable plan.

Attendees will learn:

• Why this is a great time to discuss executive benefits with business owner clients
• What options clients have for providing retirement benefits and death benefit protection to key employees
• What factors affect the relative merits of these plans
• How to weigh these factors and recommend a plan that:
  • is aligned with the business owner's needs and
  • provides benefits that the key employees truly value

Featured Speaker:

Bruce Guillemette, MSM, CLU, ChFC, FLMI is assistant vice president, advanced markets case design for AXA Equitable where he specializes in case design, guiding producers on the use of life insurance in business insurance, and estate planning situations. In 2007, Bruce joined AXA Equitable from Massachusetts Mutual Life Insurance Company where he was assistant vice president, blue chip group and advanced sales support. He was instrumental in creating the blue chip group, MassMutual's exclusive top producer sales and marketing unit. In addition, he had responsibility for the advanced sales illustration support area, serving as an expert in business protection, non-qualified executive fringe benefits and personal protection. In 1995, Bruce joined Connecticut Mutual Life Insurance Company as an advanced sales proposal consultant after serving 12 years at Security-Connecticut Life Insurance Company, where his responsibilities included marketing, competitive analysis, and customer service. He is a past president of the Hartford (Connecticut) Chapter of Society of Financial Service Professionals and a Member of the Association of Advanced Life Underwriters. He is a frequent contributor to various advanced markets materials and has authored articles for the National Underwriter and other trade publications. Bruce earned the FLMI designation in 1991, and CLU and ChFC designations in 1994 and 1995, respectively.