McNeil demonstrates how to provide a secure and tax-efficient retirement outcome for your clients with an integrated process that combines the benefits of permanent life insurance, long-term care planning and deferred income annuities. Each of these three tools alone can be valuable, yet when combined in one comprehensive plan, the benefits are greater than the sum of their parts and your clients will be yours for life. McNeil demonstrates how, by using an integrated plan, a client is able to: • Hedge their portfolio’s risk • Protect their assets from inappropriate retirement decisions • Address a desire for leaving an intact financial legacy • Ensure a predictable retirement outcome regardless of economic or personal conditions