Guaranteed 5% Portfolio Distributions for Life
Merit Life depletion insurance™ guarantees 5% annual portfolio distributions for life, based on the greater of the portfolio value on the date the guarantee is issued or on the date distributions begin.
This income continues for life if/when the wealth management portfolio is depleted.
This income continues for life if/when the wealth management portfolio is depleted.
Purpose-built solution for advisors and their clients
DISTRIBUTION
GUARANTEE
5%
Annual distributions guaranteed for life, if/when the account value reaches zero
MAINTAIN
YOUR PLAN
ASSETS REMAIN INVESTED
In portfolios inside the existing wealth management accounts
LOW
COST
0.50%
Annual fee charged on the value of assets in the wealth management account
FINANCIAL
STRENGTH
A-
A.M. Best “excellent” financial strength rating*
* The rating is currently under review and may change. The rating shown above will be in effect at launch.
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WHO WE ARE
Merit Life Insurance Company (“Merit Life”), is an insurance company, incorporated in 1957. We are led by a highly seasoned and experienced management team. We are purposed-built to enhance the value proposition that our partner firms and advisors provide to their clients.
WHAT WE DO
Merit Life provides simple, low-cost, guaranteed distributions for life to clients with wealth management accounts. Our portfolio depletions insurance ™ is the only solution that allows the advisor and client to maintain management and oversight of the assets of the current wealth management accounts.
GUARANTEE YOUR DISTRIBUTION STRATEGY WITH
DEPLETION INSURANCE™
ADVISOR & FIRM BENEFITS
- Simple product design that is easy to understand and manage
- Advisor maintains management and oversight of the assets
- Enhances the relationship between the advisor and the client
- Advisor and firm continue to earn fees on managed assets
- Assets associated with protection are more likely to stay invested than non-protected assets thereby stabilizing revenue
- Differentiated solution that improves the recruitment and retention of advisors and assets
- Eliminates conflicts of interest, which aligns with the SEC Best Interest Regulation
CLIENT BENEFITS
- Simple product design that is easy to understand
- Addresses key retirement concerns
- Outliving retirement income
- Managing through market downturns
- Assets remain with the advisor and the wealth management account
- Depletion insurance™ guarantees distributions for life
- Client experience and relationship with advisor is preserved/enhanced
- Low fee, no commission, and no conflicts of interest
- Complete access to the account value
- Helps clients adhere to their investment plan
DISTRIBUTION
GUARANTEE
5%
annual distributions
guaranteed for life,
if/when the account value reaches zero
ASSET
CONTROL
Keep Your Plan
Your Plan
inside the existing wealth management accounts
LOW
COST
0.50%
annual fee charged on the value of assets in the wealth management account
COMPANY
STRENGTH
A-
A.M. Best “excellent” financial strength rating*
GUARANTEE YOUR DISTRIBUTION STRATEGIES FOR LIFE
Feel free to reach out to us, someone from the team at Merit Life Group team will reach-out to you shortly. Would you like to immediately apply?
Start your application here
203.902.4221
2 Corporate Drive, 7th Floor
Shelton, CT 06484
