Qualified Plans

Qualified plans have become a valued benefit to employers and their employees. The key to the qualified plan market is the tax status conferred on these plans. This includes:

  • Tax deductible contributions by the business
  • Contribution not included in the participants current income
  • Tax deferred growth

This tax treatment often makes a qualified plan a compelling tool for the business owner. In addition to these tax advantages, key elements of a qualified plan include:

  • Retirement income
  • The opportunity to purchase life insurance with pretax dollars
  • A variety of plan designs that can be molded to meet your business and personal needs
  • A competitive benefit to help a business owner attract and retain highly qualified employees

To meet the needs of your business owner client it is important that you have an understanding of the advantages qualified plans provide, as well as the various types of plans available. The material in this area will provide you with tools to communicate the vital concepts and information on how to proceed with a qualified plan case.

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Why should a business consider adopting a qualified plan? What are some of the concerns a business owner may have when considering a qualified plan? The material in this area will help address some of these key concerns.


Discussing the Opportunities

To effectively discuss Qualified Plans, it is important that you understand both Defined Contribution plans and Defined Benefit plans and that you’re comfortable with the choices available within each plan to help the business owner decide which option is right for them. The material in this section will help you to simply describe how qualified plans work. Take a look at “Trying on the Solutions”.


Help your client understand why a qualified plan may be important to their business and personal success.

Qualified Plans Storyboard

This presentation will help you answer questions about preparing for retirement, and provide concepts to consider (including the value of a tax deduction, pretax vs. after tax growth and understanding the difference between a qualified plan vs. a bonus plan).

412(e)(3) Defined Benefit Plan

How does a 412(e)(3) Defined Benefit Plan work? Can you explain the ins and outs of a 412(e)(3) to your business owner client? This PowerPoint presentation can assist you in showing a client how a 412(e)(3) plan works

These materials have been developed to help you effectively discuss the benefits and options available within Qualified Plans.

National Life Group Agents

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Learn all about Qualified Plans through this video program.


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Qualified plans are offered and administered independently of the companies of National Life Group. National Life is bound only by the terms of the life insurance contracts issued by the Group insurance companies.

The companies of National Life Group® and their representatives do not offer tax or legal advice. For advice concerning your own situation, please consult with your appropriate professional advisor.

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