Transcript S.O.L.A.R. Insurance Arrangements Self-Owned Life And Retirement (S.O.L.A.R.) Insurance Arrangements For agent/registered representative use only.

S.O.L.A.R.
Insurance Arrangements
Self-Owned Life And Retirement (S.O.L.A.R.)
Insurance Arrangements
For agent/registered representative use only. Not for public distribution.
©2014 Voya Services Company. All rights reserved. CN0928-4958-1014
Disclosures
 Voya Indexed Universal Life –Global Choice (Voya IUL-Global Choice), policy form series
#1186-09/12 has an equity Indexed feature, varies by state and may not be available in every
state. It is issued by Security Life of Denver Insurance Company (Denver, CO), a member of
the Voya™ family of companies. Not available in New York. The Index Caps and Index
Participation Rates are subject to change for new Index Blocks. All guarantees are based on
the financial strength and claims paying ability of Security Life of Denver Insurance Company
which is solely responsible for the obligations under its own policies.
 Voya Indexed Universal Life - Global Choice (Voya IUL-Global Choice) is a flexible premium,
universal life insurance product designed to provide a death benefit and allow for surrender
values. While the policy values may be affected by external indexes, the policy does not
directly participate in any index fund, stock or equity investments. The product is not a
variable product or any type of investment contract.
 The Voya™ Life Companies and their agents and representatives do not give tax or legal
advice. This information is general in nature and not comprehensive; the applicable laws
change frequently and the strategies suggested may not be suitable for everyone. Each
taxpayer should seek advice from his or her tax and legal advisors regarding their
individual situation.
 These materials are not intended to and cannot be used to avoid tax penalties; and they were
prepared to support the promotion or marketing of the matter addressed in this document.
Each taxpayer should seek advice from an independent tax advisor.
For agent/registered representative use only. Not for public distribution.
©2014 Voya Services Company. All rights reserved. CN0928-4958-1014
Disclosures
The Hang Seng Index (the “Index”) is published and compiled by Hang Seng Indexes Company Limited pursuant to a license from Hang
Seng Data Services Limited. The mark and name “Hang Seng Index” are proprietary to Hang Seng Data Services Limited. Hang Seng
Indexes Company Limited and Hang Seng Data Services Limited have agreed to the use of, and reference to, the Index by Security Life
of Denver Insurance Company (“Security Life”) in connection with this indexed universal life insurance policy (the “Policy”), BUT NEITHER
HANG SENG INDEXES COMPANY LIMITED NOR HANG SENG DATA SERVICES LIMITED WARRANTS OR REPRESENTS OR
GUARANTEES TO ANY BROKER OR HOLDER OF THE POLICY OR ANY OTHER PERSON (i) THE ACCURACY OR
COMPLETENESS OF THE INDEX AND ITS COMPUTATION OR ANY INFORMATION RELATED THERETO; OR (ii) THE FITNESS OR
SUITABILITY FOR ANY PURPOSE OF THE INDEX OR ANY COMPONENT OR DATA COMPRISED IN IT; OR (iii) THE RESULTS
WHICH MAY BE OBTAINED BY ANY PERSON FROM THE USE OF THE INDEX OR ANY COMPONENT OR DATA COMPRISED IN IT
FOR ANY PURPOSE, AND NO WARRANTY OR REPRESENTATION OR GUARANTEE OF ANY KIND WHATSOEVER RELATING TO
THE INDEX IS GIVEN OR MAY BE IMPLIED. The process and basis of computation and compilation of the Index and any of the related
formula or formulae, constituent stocks and factors may at any time be changed or altered by Hang Seng Indexes Company Limited
without notice. TO THE EXTENT PERMITTED BY APPLICABLE LAW, NO RESPONSIBILITY OR LIABILITY IS ACCEPTED BY HANG
SENG INDEXES COMPANY LIMITED OR HANG SENG DATA SERVICES LIMITED (i) IN RESPECT OF THE USE OF AND/OR
REFERENCE TO THE INDEX BY SECURITY LIFE IN CONNECTION WITH THE POLICY; OR (ii) FOR ANY INACCURACIES,
OMISSIONS, MISTAKES OR ERRORS OF HANG SENG INDEXES COMPANY LIMITED IN THE COMPUTATION OF THE INDEX; OR
(iii) FOR ANY INACCURACIES, OMISSIONS, MISTAKES, ERRORS OR INCOMPLETENESS OF ANY INFORMATION USED IN
CONNECTION WITH THE COMPUTATION OF THE INDEX WHICH IS SUPPLIED BY ANY OTHER PERSON; OR (iv) FOR ANY
ECONOMIC OR OTHER LOSS WHICH MAY BE DIRECTLY OR INDIRECTLY SUSTAINED BY ANY BROKER OR HOLDER OF THE
POLICY OR ANY OTHER PERSON DEALING WITH THE POLICY AS A RESULT OF ANY OF THE AFORESAID, AND NO CLAIMS,
ACTIONS OR LEGAL PROCEEDINGS MAY BE BROUGHT AGAINST HANG SENG INDEXES COMPANY LIMITED AND/OR HANG
SENG DATA SERVICES LIMITED IN CONNECTION WITH THE POLICY IN ANY MANNER WHATSOEVER BY ANY BROKER,
HOLDER OR OTHER PERSON DEALING WITH THE POLICY. Any broker, holder or other person dealing with the Policy does so
therefore in full knowledge of this disclaimer and can place no reliance whatsoever on Hang Seng Indexes Company Limited and Hang
Seng Data Services Limited. For the avoidance of doubt, this disclaimer does not create any contractual or quasi-contractual relationship
between any broker, holder or other person and Hang Seng Indexes Company Limited and/or Hang Seng Data Services Limited and
must not be construed to have created such relationship.
For agent/registered representative use only. Not for public distribution.
©2014 Voya Services Company. All rights reserved. CN0928-4958-1014
Disclosures

A portion of the policy’s surrender value may be available as a source of supplemental retirement income through
policy loans and withdrawals. Income tax free policy distributions may be achieved by policy loans or withdrawing to
the cost basis (usually premiums paid). This assumes the policy qualifies as life insurance, is not a modified
endowment contract and is not lapsed or surrendered with an outstanding loan. Policy loans and withdrawals may
reduce or eliminate index credits, generate an income tax liability, reduce available surrender value and reduce the
death benefit, or cause the policy to lapse. Select Loans have the risk that policy performance may be lower than
projected if the amount credited to the account value in the Fixed Strategy and/or Indexed Strategy is less than the
fixed 6% interest charged on the policy loan. Detailed additional information about policy loans is located in the
policy form and any personal policy illustration.

The S&P 500® Index (is an index of the stock performance of 500 publicly traded companies that does not reflect
the dividends payable on the underlying stocks. “Standard & Poor’s®,” “S&P®,” “S&P 500®” are registered
trademarks of Standard & Poor’s Financial Services LLC and have been licensed for use by Security Life of Denver
Insurance Company. The Policy is not sponsored, endorsed, sold or promoted by Standard & Poor’s and Standard
& Poor’s makes no representation regarding the advisability of investing in the Policy.

EURO STOXX 50® Index – An index of blue-chip stocks that are represented by 50 stocks covering the largest
sector leaders in the EURO STOXX 50® index. It does not reflect dividends payable on the underlying stocks. The
EURO STOXX 50® index is the intellectual property (including registered trademarks) of STOXX Limited, Zurich,
Switzerland and/or its licensors (“Licensors”), which is used under license. The Voya Indexed Universal Life –
Global Choice insurance policy is based, in part, on the Index and is in no way sponsored, endorsed, sold or
promoted by STOXX and its Licensors and neither of the Licensors shall have any liability with respect thereto.
For agent/registered representative use only. Not for public distribution.
©2014 Voya Services Company. All rights reserved. CN0928-4958-1014
Our agenda
 The problems facing executives and their employers
 The paradigm shift
 Today’s answer
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©2014 Voya Services Company. All rights reserved. CN0928-4958-1014
Executive Need:
Tool to Provide Death Benefit Protection for Family
and to Close Gap Between Retirement Need and
Retirement Savings
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©2014 Voya Services Company. All rights reserved. CN0928-4958-1014
Executives are facing a retirement crisis
“The key sources of income retirees are relying on are either under
attack, in the case of Social Security, or disappearing, in the case of
traditional pensions.”
- Ross Eisenbrey, VP of Economic Policy Institute
Source: “U.S. Retirement Deficit Reaches $6.6 Trillion,”
Laura Bassett, Huffington Post (9/16/2010)
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©2014 Voya Services Company. All rights reserved. CN0928-4958-1014
Growing retirement deficit
 According to a study by Boston College’s Center for
Retirement Research, the U.S. has a “Retirement Deficit”
of $6.6 trillion.
– Retirement Deficit is the gap between the retirement savings of
U.S. households and what they need to have in order to maintain
their living standards past retirement
– The current Retirement Deficit is roughly five times the projected
federal deficit for 2010
Source: “U.S. Retirement Deficit Reaches $6.6 Trillion,”
Laura Bassett, Huffington Post (9/16/2010)
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Reverse discrimination

Qualified retirement plans have
contribution limits
– $17,000 annually (as of 2012)
for 401(k), 403(b), and
457(b) plans
– Highly paid executive
participating in qualified plan
fails to receive the same ratio
of before-to-after retirement
income as average worker
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Potential for increasing tax rates

There is increasing concern that income tax rates will go up in the future

If Income Tax Rates go up, Net Spendable Amount goes down
Income Tax Rates Change Over Time
Maximum rates
have gone up
and down
The Chart traces the highest federal personal income tax
rates from 1913 to today. The amount of income subject to
these varying rates has also changed. In 1965-67, a rate of
70% applied to taxable income over $200,000 equal to
approximately $1,043,000 in current dollars.
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Historical Marginal Tax Rates 1944-2010
Year
$50,000
$200,000
1944
78%
94%
1950
54%
79%
1960
59%
87%
1970
51%
71%
1980
49%
68%
1990
28%
31%
2000
15%
33%
2010
15%
33%
Source: Federal Individual Income Tax Rates History,
Tax Foundation, 2010
Retirement savings - A need for executives
 Executives are concerned about retirement
– 53% of employees are “highly concerned” about outliving
retirement money (Met Life 8th Annual Study of Employee
Benefits Trends, 2010)
– 57% of employees say that compared to what they thought two
years ago, they will have to save much more to achieve a
comfortable level of income in retirement (Towers Watson
Retirement Attitudes, 2010)
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©2014 Voya Services Company. All rights reserved. CN0928-4958-1014
Employer Need:
Tool to Recruit & Retain Key Talent
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©2014 Voya Services Company. All rights reserved. CN0928-4958-1014
Emerging focus for employers
 Employers facing challenges in recruiting and retaining
key talent
– 52% of U.S. companies reported problems recruiting
critical-skill employees (Towers Watson Global Talent
Management and Rewards Survey, 2010)
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Emerging focus for employers
 As the economy improves, key employees may search for
better opportunities elsewhere
– In a recent survey, 81% of employees said they would
pursue new job opportunities as the economy improves*
* Right Management Survey – November 2009
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©2014 Voya Services Company. All rights reserved. CN0928-4958-1014
Executives concerned about retirement
“How can I be sure my current
employment will help me prepare
for retirement?”
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©2014 Voya Services Company. All rights reserved. CN0928-4958-1014
Employers still need to recruit & retain
“How can we keep key employees
loyal and hard working when traditional
compensation methods don’t work?”
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The traditional solution
Deferred Compensation
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©2014 Voya Services Company. All rights reserved. CN0928-4958-1014
Traditional solution – NQDC/SERP
 Employers have traditionally used Deferred
Compensation Plans to recruit, retain, and reward key
executives
 Many labels for the same concept
– Nonqualified deferred compensation (NQDC)
– Supplemental executive retirement plan (SERP)
– Corporate-Owned Life Insurance (COLI)
– § 409A plan
– Salary continuation
– 401(k) Look Alike / 401(k) Mirror
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Traditional solution – NQDC/SERP
 Employer promises Executive future benefit
(defined contribution or defined benefit)
 Employer informally funds promise by purchasing life
insurance policy on Executive
 At retirement, or at death, Executive receives promised
benefit from Employer
 Arrangement is subject to IRC § 409A
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©2014 Voya Services Company. All rights reserved. CN0928-4958-1014
Potential benefits of NQDC/SERP
arrangements
For Employers:
For Employees:
 “Golden Handcuffs”
 Tax Deferral
 Control of Funding Asset
 Supplemental Retirement Income
 Ability to Discriminate (i.e., offer
benefits to select employees)
 Cost Recovery
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©2014 Voya Services Company. All rights reserved. CN0928-4958-1014
Potential concerns with NQDC paradigm
Employer
Executive
 No current tax deduction
 Future tax uncertainty
 Funding risk
 Exposure of funding asset
 Regulatory restrictions
 Potential 20% penalties
 Balance sheet risk
 No portability
 Cost of administration
 Limited flexibility
 Complexity
 Complexity
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©2014 Voya Services Company. All rights reserved. CN0928-4958-1014
Key question
If there were a way to potentially provide
an Executive with the same net benefit
amount and eliminate the risks and
concerns we’ve just discussed,
would you be interested?
For agent/registered representative use only. Not for public distribution.
©2014 Voya Services Company. All rights reserved. CN0928-4958-1014
S.O.L.A.R. Insurance Arrangement
For agent/registered representative use only. Not for public distribution.
©2014 Voya Services Company. All rights reserved. CN0928-4958-1014
Unique solution
After-tax strategy
+
Executive ownership
+
Voya IUL-Global Choice Life Insurance
________________
S.O.L.A.R. Insurance Arrangement
For agent/registered representative use only. Not for public distribution.
©2014 Voya Services Company. All rights reserved. CN0928-4958-1014
S.O.L.A.R. insurance arrangements
Self-Owned Life And Retirement (S.O.L.A.R.) Insurance
Arrangement funded with Voya Indexed Universal Life – Global
Choice (Voya IUL-Global Choice) Life Insurance
 An arrangement where Employee purchases a
Voya IUL-Global Choice policy for death benefit protection
and as a potential source of retirement income.
 Bonused premium payments may be provided by Employer
as a tool to Recruit, Reward, and Retain key talent
 Select Loan feature available to help Employee pay income taxes
due on employer funds used to pay premiums
* A portion of the policy’s surrender value may be available as a source of supplemental retirement income through policy loans and withdrawals. Income tax
free policy distributions may be achieved by policy loans or withdrawing to the cost basis (usually premiums paid). This assumes the policy qualifies as life
insurance, is not a modified endowment contract and is not lapsed or surrendered with an outstanding loan. Select Loans have the risk that policy
performance may be lower than projected if the amount credited to the account value in the Fixed Strategy and/or Indexed Strategy is less than the fixed 6%
interest charged on the policy loan. Detailed additional information about policy loans is located in the policy form and any personal policy illustration.
For agent/registered representative use only. Not for public distribution.
©2014 Voya Services Company. All rights reserved. CN0928-4958-1014
Executing a S.O.L.A.R. Insurance
Arrangement
Employer
Employee
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©2014 Voya Services Company. All rights reserved. CN0928-4958-1014
1 – Agree to S.O.L.A.R.
Insurance Arrangement
Employer
1
Employee
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©2014 Voya Services Company. All rights reserved. CN0928-4958-1014
2 – Executive purchases
Voya IUL-Global Choice Policy
Employer
1
Employee
2
Voya Life Companies
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©2014 Voya Services Company. All rights reserved. CN0928-4958-1014
3 – Premiums are paid
Employer
1
3
Employee
2
Voya Life Companies
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©2014 Voya Services Company. All rights reserved. CN0928-4958-1014
4 – Executive may use
Select Loans to pay taxes
Employer
1
3
Employee
2
Voya Life Companies
For agent/registered representative use only. Not for public distribution.
©2014 Voya Services Company. All rights reserved. CN0928-4958-1014
IRS
4
5 – Policy used as a potential source
of retirement income
Employer
1
3
Employee
2
5
Voya Life Companies
For agent/registered representative use only. Not for public distribution.
©2014 Voya Services Company. All rights reserved. CN0928-4958-1014
IRS
4
Addressing Employer concerns
Potentials disadvantages
of NQDC
Potential advantages of S.O.L.A.R.
Insurance Arrangements
 No current tax deduction
 Current tax deduction
(if reasonable compensation)
 Funding risk
 Generally no future funding obligation
 Regulatory restrictions
 May not be subject to §§ 409A or 101(j)
 Balance sheet risk
 No balance sheet impact
 Cost of administration
 Little or no plan administration
 Complexity
 May be a simple arrangement
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©2014 Voya Services Company. All rights reserved. CN0928-4958-1014
Addressing Executive concerns
Potentials disadvantages
of NQDC
 Future tax uncertainty
 Exposure of funding asset
 Potential 20% penalties
 No portability
 No flexibility
 Complexity
For agent/registered representative use only. Not for public distribution.
©2014 Voya Services Company. All rights reserved. CN0928-4958-1014
Potential advantages of S.O.L.A.R.
Insurance Arrangements
 Taxes paid at today’s rates
 Not subject to employer creditors
 May not be subject to § 409A
 Executive owns policy
 Executive determines how to
use policy
 May be a simple arrangement
Potential disadvantages of
S.O.L.A.R. Insurance Arrangements
For employers:
For employees:
 No control of funding asset
 No tax deferral
 No cost recovery
For agent/registered representative use only. Not for public distribution.
©2014 Voya Services Company. All rights reserved. CN0928-4958-1014
Voya Indexed Universal
Life-Global Choice
The New Product
For agent/registered representative use only. Not for public distribution.
©2014 Voya Services Company. All rights reserved. CN0928-4958-1014
Introducing Voya IUL-Global Choice
Voya IUL-Global Choice is a flexible premium, universal life insurance product designed to provide a death
benefit and allow for cash values. It includes an Indexed Strategy with 3 different crediting options where
index credits are linked in part to increases, if any, in outside indexes. The S&P 500® 1 Year Point to Point
Index Strategy is subject to an annual minimum and maximum index credit rate. The 2 and 5 Year Global
Indexed Strategies are linked to weighted changes in three indexes – the S&P 500® Index, the EURO
STOXX 50® Index, and the Hang Seng Index - and calculates an index credit under a formula employing a
look back strategy where a portion of the better performing two out of three indexes is used, and is subject
to a Guaranteed Minimum Interest Rate.
While the policy values may be affected by external indexes, the policy does not directly participate in any
index fund, stock or equity investments, and all policy guarantees are based solely on the financial strength
and claims-paying ability of Security Life of Denver Life Insurance Company. This product is not a variable
product or any type of investment contract.
What indexed
universal life
insurance
is not
It is not an investment in the stock market and does not participate in any index fund,
stock or equity investment. It is not a variable product or any type of investment contract.
You do not buy or participate in an index. The indexes are simply measuring tools that are
used determine the amount of the index credit the company will credit to
the policy.
It is not a policy where cash value is based upon performance of a variable investment
option, such as in the case with variable universal life insurance.
It is not meant to be used as an investment vehicle.
For agent/registered representative use only. Not for public distribution.
©2014 Voya Services Company. All rights reserved. CN0928-4958-1014
Select loans
 Select loans are policy loans in which an amount equal to the loan is
added to the policy loan amount while also remaining in the Fixed
Strategy and/or Indexed Strategy as elected by the policy owner
– The interest rate charged on the loan amount for a Select Loan is
fixed at 6.0% per year, regardless of the index credits earned and/or
the credited interest rates.
– Allows executive access to policy values while still enjoying the
interest earnings potential offered by Voya IUL-Global Choice.
– But, Select Loans have the risk that the amount credited will be less
than the interest charged on the policy loan. As a result the policy
performance may be lower than projected. Without additional
premium or loan interest payments, the policy could lapse.
For agent/registered representative use only. Not for public distribution.
©2014 Voya Services Company. All rights reserved. CN0928-4958-1014
Select loans
 The net result of having a select loan will vary depending on the index
credits earned and/or the credited interest rates on the
account value
– For example, if the account value earns over time an average of
8.0%, the net result of select loans is a net gain of 2.0%
• 8.0% earned rate less 6.0% charged rate = 2.0% net gain
– On the other hand, if the account value earns over time an average
of only 1.0%, the net cost of select loans is 5.0%
• 6.0% charged rate less 1.0% earned rate = net cost of 5.0%
Please note that this hypothetical example describes a financial result only and that
interest charged on the loan that is not paid in cash is added to the loan amount and,
in turn, results in increased loan interest charges.
For agent/registered representative use only. Not for public distribution.
©2014 Voya Services Company. All rights reserved. CN0928-4958-1014
Key question
If there were a way to potentially provide
an executive with the same net benefit
amount and eliminate the risks and
concerns we’ve just discussed,
would you be interested?
For agent/registered representative use only. Not for public distribution.
©2014 Voya Services Company. All rights reserved. CN0928-4958-1014
Sample case study
What benefit structure offers the best net after-tax income stream
during retirement?

Sonny Summer is currently age 45

Summer wants to retire in 20 years

Summer’s current tax bracket: 35%

An Executive Benefit Arrangement is funded for Mr. Summers using
Voya IUL-Global Choice Insurance
–
Assume male, preferred non-tobacco and current costs
–
Premiums allocated 100% to the 2 Year Point to Point indexed strategy
(8% hypothetical annualized index credit rate)
–
Initial death benefit of $1,081,000 using increasing death benefit option 2

Mr. Summer’s employer will pay $50,000 a year for 20 years to fund
the benefit

Summer will take a retirement income stream over a period of 20 years
beginning at age 66
For agent/registered representative use only. Not for public distribution.
©2014 Voya Services Company. All rights reserved. CN0928-4958-1014
Sample case study
Consider three different scenarios:
 Employer funds SERP Arrangement and income tax
rates remain unchanged
 Employer funds SERP Arrangement and income tax
rates for Mr. Summer increase to 45% at retirement
 Employer funds policy with full bonus amount Summer pays tax costs using select loans
For agent/registered representative use only. Not for public distribution.
©2014 Voya Services Company. All rights reserved. CN0928-4958-1014
Sample case study
Results:
Net Distributions
 SERP w/ no increase in tax rates =
$122,917
 SERP w/ tax rates increased to 45% =
$104,007
 S.O.L.A.R. Insurance Arrangement using
Select Loans =
$125,148
These hypothetical results are based on current assumptions, are for illustrative purposes only and should not be
deemed a representation of past or future results. The results would generally be lower using guaranteed assumptions,
including earlier policy lapse and the inability to take any assumed policy loans or partial withdrawals.
For agent/registered representative use only. Not for public distribution.
©2014 Voya Services Company. All rights reserved. CN0928-4958-1014
S.O.L.A.R. Insurance Arrangements –
What we have covered
 Executive Need
– Increasing need to close retirement “gap”
 Employer Need
– Increasing need to recruit & retain key talent
 Traditional Solution
– NQDC & SERP Arrangements funded with COLI
 New Paradigm
– S.O.L.A.R. Insurance Arrangements
 New Product
– Voya IUL-Global Choice
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©2014 Voya Services Company. All rights reserved. CN0928-4958-1014
Moving forward with
S.O.L.A.R. Insurance Arrangements
The next step is to consider different applications for S.O.L.A.R.
Insurance Arrangements
 Different ways for Employers to offer S.O.L.A.R. Insurance
Arrangements as a benefit for employees
 Adding “Golden Handcuffs” to S.O.L.A.R. Insurance Arrangements
 Using S.O.L.A.R. Insurance Arrangements for individual retirement
needs outside of the employment context
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©2014 Voya Services Company. All rights reserved. CN0928-4958-1014
www.VoyaLifeSOLAR.com
FPO – Screencap of site once site is live
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www.VoyaLifeSOLAR.com
For agent/registered representative use only. Not for public distribution.
©2014 Voya Services Company. All rights reserved. CN0928-4958-1014
www.VoyaLifeSOLAR.com
For agent/registered representative use only. Not for public distribution.
©2014 Voya Services Company. All rights reserved. CN0928-4958-1014
Questions?
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