AIG has summarized the story showing that 4.5% would have been the average S&P return in the worst 30 year history of the S&P (when put into a life insurance product with a 0% floor and 9% cap rate). They then took that 4.5% ROR and compare their Value + Protector against some of the top competitors in the space. The Value+ Protector PASSES the 4.5% TEST, providing coverage 12 years beyond the GUL option and 13 years beyond the next leading competitor – with over $320K in cash value. See for yourself with this flyer.
In this issue:
Committing to Your Practice Growth
Brighthouse Simple Underwriting
Administrative Service Update
Generational Reach can help grow your business. Informed interaction on family financial matters cultivates clients across generations. Below are the first three pieces of this program.
Retaining Heirs and Assets: Facts for multi-generation relationship building
Legal Age: Responsibilities regarding legal adulthood
College Loans: The basics of student borrowing
People with John Hancock Vitality life insurance take an average of 9,323 steps per day, compared to 5,000 steps for the average American. Find out more.
In this issue:
Securing Your Legacy
Passing on a Family Vacation Home
Possible Reduction of Per Diem Limit Affecting LTCi Policies and Riders
In this issue:
9/10 Term Accel Level Term with product expansion -
9/10 Life Elements Level Term –
Automated In-Force Illustrations
Pennsylvania Tax Withholding for Nonresident Producers
2/12 Expanded quote capabilities for LifeGuarantee UL (2013) –
New MoneyGuard II Enhanced Application Submission Process
Now you have a one-stop-shop for Back of the Napkin sales ideas! Help turn the phrase “a picture is worth a thousand words” into a game-changer for your business. Visit the site.
Most people rely on their income every day. It pays for their home, car and so much more. Help your clients protect their income with individual disability insurance (IDI) from Principal.
Talk to new and existing clients who:
Are age 30 to 55
Earn $40,000+ a year
Work 20+ hours a week with little to no manual duties
Are accountants, attorneys, business owners, medical professionals and veterinarians
And that’s just the beginning. Use this guide to help you get in front of professionals in new markets.
Offer clients a balanced portfolio of short-term solutions:
Streamlined, inexpensive coverage with Classic Choice Term
Flexible, affordable protection with Custom Choice UL (10-30)
Prudential's new Mirrored Loans presentation includes a comprehensive story around the history of mirrored loans, two distinct case studies, and speaks to the unique advantage we have when executing the sales idea.
The residence classification of Venezuela has been revised downward to a "C" country (Unacceptable for Residence). This change is due to the continuing economic and security situation within the country. No changes at this time are being made to the travel classification of Venezuela. The change in residence classification has been incorporated into the new version of the Non-US Foreign Residence Guidelines flyer (1002950), effective September 1, 2018.
Caregiving can be a difficult, yet rewarding job. Many of your clients may be part of the sandwich generation, where they're feeling stuck in the middle. They're not only busy juggling raising kids of their own, but they're also caring for their aging parents or family members. This can have both a financial and emotional impact on these caregivers. But there are solutions to make things easier for the future. Check out this new brochure and help your clients find financial peace of mind by putting a care plan in place now.
A new underwriting program for clients with low-grade cancer histories. Be sure attend the upcoming webinar to learn more. Visit United Underwriters Events Page to register.
No one likes surprises when they’re writing business. In an ever-changing landscape, tools that empower you with knowledge to quickly and efficiently help clients obtain coverage they need can set your practice apart. The Transamerica Underwriting Primer: Tips, FAQs, and Common Impairments can help position your submissions for success while enhancing the value you deliver and creating a superior experience for your clients.
and say HELLO to Drop&Go!