American General ContinUL® Brainshark
Hurry: Double Your Coverage Program Ends March 31 |
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Banner Life Banner Life, the level term premium leaders, lower their term rates & their competitive ranking goes higher |
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| Dearborn National (previously known as Fort Dearborn) Introducing the Destination Fortifier SeriesTM: Dearborn National is pleased to introduce the newest addition to their product portfolio: Destination Fortifier SeriesTM This is a family of single premium annuities with varying interest rate durations and surrender charge schedules. These products replace the popular Wealth Fortifier Series® that was retired last year. The Destination Fortifier Series TM will be available for sale in most states beginning March 15, 2010. Please note that applications received must be signed and dated on or after this date. Key product features include:
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| Forethought NEW Forethought Future Income Solutions!To view this email as a web page, go here. |
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| LBL When it comes to Ice cream, the customers love to have a variety of flavors to choose from. When it comes to Indexed Life Insurance, that’s usually not the case. Indexed Universal Life is a great choice in todays economy. Yet, IULs have a bad reputation since many are so confusing. LBLs Ultra Index is one of the most straight forward IUL products on the market, which makes it easier for you to sell. New Indexed UL materials now available!
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| North American A Web Workshop on Premium Financing with North American & CMS Agents who work with high net worth clients and are interested in learning more about premium financing with CMS would benefit by attending this presentation. This presentation is limited in size to encourage feedback and discussion. Register early to reserve your spot.Learn who CMS/SCA is and what they can do for you in the premium finance process. You are invited to learn how you can use North American Company’s broad product portfolio to help get your clients back on track with their life insurance goals. Find out how you can help improve your client’s situation. See how North American Company’s product portfolio can help you meet your clients changing needs. Receive sales strategies and illustration software tips to help you make the sale. A North American Company professional will lead the presentation and will be available to answer questions. This easy-to-understand presentation will give you the tools and confidence to help make the sale. Date: Wednesday, March 17, 2010 Time: 3:00 pm, CST (Chicago, GMT-06:00) 4:00 pm, EST (New York, GMT -05:00) 2:00 pm, MST (Denver, GMT -07:00) 1:00 pm, PCT (San Jose, GMT -08:00) password: Webinar1 Click to Register Teleconference information: Dial: 877-937-0681 Passcode: 9264795 IMPORTANT: Click on the above link now to register for this event. After clicking on the link, click on the Register button to pre-register. You will receive a personalized invite for the meeting with additional information. |
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American General December 31 Submit Deadline for 10 for $1,000
Protection Plus Retirement Salary Allotment Marketing Materials
Upcoming Advanced Sales Webinar AG Select-a-Term® Ratebook
Late Premiums Impact ContinUL Extend PlusSM Guarantees, New Illustrations Required, Also Applies to Initial Premiums New Term Conversion Product Coming March 2010 State Approvals |
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AXA ENLG Discontinuance Update Charitable Legacy Rider |
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| Banner Reminder: Banner can draft monthly premiums and can draft inforce premiums in any mode. |
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| Forethought COMMISSION BONUS REMINDER 50 bps Commission Bonus ends 12/31/09 As we approach the end of 2009 Forethought would like to thank you for your business by offering a commission bonus. All eligible applications received beginning November 10, 2009, and subsequently paid, will earn increased commissions of 50 bps. This commission bonus will be effective for all business received in the home office by December 31, 2009. We hope this serves as an indication of our intent to continue to provide you with innovative and competitive products and our desire for all of our producers to have a successful year. SPECIAL NOTE: This bonus applies to Secure Income 125, Income 125, Guaranteed Destinations for WA and NV, Destination Income for WA and Destination Income 15 for OR. This bonus does not apply to the Guaranteed Destinations, 3 year, 6 year and 9 year products. Applications received after December 31, 2009 will not be eligible for the 50 bps increase. View the Frequently Asked Questions flyer to learn more about this rider, available with the Athena Universal Life and Incentive Life Legacy II products. |
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WCL West Coast Life - New State Approvals / New Arkansas Replacement Regulations |
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American General Midwest Operations Center (MOC) No Longer Able to Accept Mail
REMINDER: Install New Illustration CD Double Your Coverage Program Update Double Your Coverage Program Extended to March 31, 2010 10 for $1000 Sales Contest
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AXA Term Conversion Guidelines: |
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Forthought Secure Income125 |
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| Lincoln Financial Lincoln MYGuaranteeSM Plus, our new fixed annuity with competitive interest rates, provides the predictable growth clients may be thankful for later in retirement Lincoln MYGuaranteeSM Plus provides Multiple interest rate crediting periods for accumulating wealth at a steady, fixed rate The power of tax deferral Guaranteed death benefit and emergency access to assets Several options for meeting retirement income needs Click here to view a special edition of the Fixed Annuity Lincoln Leader, which includes important details on the launch of the Lincoln MYGuaranteeSM Plus fixed annuity. |
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| Symetra Forthcoming guidelines from the National Association of Insurance Commissioners (NAIC) will: significantly change pricing structures for ROP life insurance products and lead to increases in ROP rates throughout the industry. Take advantage of Symetra Protectors ROP features at todays rates - your clients will thank you! View Email Online |
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| WCL West Coast Life - 2009 Year End Processing Schedule To expedite your business during this holiday season, please be aware of the 2009 Year End Processing Schedule for West Coast Life. Click here for the revised processing guidelines. |
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| American General Double Your Coverage Program Extended to March 31, 2010 The insurers of American General Life Companies are pleased to announce that we have extended the Double Your Coverage program to March 31, 2010. This is a great opportunity for clients who have policies issued within the past three years to acquire additional coverage with minimal underwriting and paperwork. We have also liberalized the increase rules for term. See the rules and use the consumer flyers for AGL to help you promote this program to your clients. |
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| American General 10 for $1000 Sales ContestJust write 10 life cases between now and year-end and you could earn up to $1,000! Nearly all of our term and permanent life products qualify for this promotion. See the specific AGL contest rules and details. |
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| American General ContinUL Extend PlusSM ContinUL Extend Plus offers the strength of guaranteed death benefit coverage and strong cash value growth, which may be beneficial if a client were to suffer a medical emergency, resulting in a need for cash to pay medical expenses. See this new issue of SalesMakers to learn more. |
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| American General Termination of Non-Producing Agents Beginning November 9, 2009, American General Life Companies will mail notification to agents whose contract or appointment terminations meet these criteria. |
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| American National New COLA Options! Palladium® Single Premium Immediate Annuity Dreaming of The Future or Worried About Outliving Their Income? Palladium® Single Premium Immediate Annuity offers the Security of immediate income that can last for life or for whatever period you clients need, plus the comfort of knowing there is a Liquidity Option that can provide a lump sum withdrawal or even surrender of the remaining proceeds, in case of future emergency needs. Plus, the Palladium® Single Premium Immediate Annuity now offers a Cost of Living Adjustment (COLA) to provide the added security of income that will adjust each year according to the percentage selected. Click to view this webpage. |
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| AXA Underwriting and New Business 2009 Year-End Processing Deadlines: View the flyer for information about application processing for year-end. |
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| AXA Product The Improvements Keep Coming for Athena UL: Launching on Monday, November 9th an even bigger sweet spot and a new reason to reach out to female clients! View the field bulletin for more information. |
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| AXA Advanced Markets TermOne Now Available for Alternative Term Rates: View the producer guide to see how our Alternative Term Rates compare to IRS Table 2001 rates at specified ages. |
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| AXA Live with Advanced Markets - A new life selling series from our Advanced Markets team. Tune in this Tuesday for the first in the series: Join us on Tuesday, November 10 at 1:00 for a brief webcast on Credit Shelter Trust. |
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| Lincoln Financial Term Policy Fee Increase On December 1, 2009 Lincoln will be increasing the annual policy fee on all Lincoln LifeElements® Level Term (2009) business from $75 to $125. The change will be based on Policy Date (the date from which policy anniversaries are measured) and will impact any and all business with a Policy Date of December 1, 2009 or later. In line with the recent increase to the minimum death benefit on Lincoln LifeElements® Level Term, we are making this change to the policy fee to provide the best service levels for you and your customers by focusing on our target markets and core business. Lincoln DesignItSM will be updated on November 23, 2009 with this fee adjustment. |
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| North American Five Key Reasons to Sell Custom Guarantee® Your time has arrived to open up the sales opportunities with North Americans Custom Guarantee universal life insurance.
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| Ohio National Click on the link below for a three-minute multi-media presentation about Ohio Nationals newest whole life insurance product -- and see one more reason why individual life business is 30 percent ahead of the industry. Introduced earlier this fall, Prestige Value II is the lowest-premium* participating whole life policy in the marketplace today! Take a look and see why Prestige Value II is an ideal fit for premium-sensitive prospects and for clients most interested in guaranteed values. In addition, Prestige Value IIs low premium structure makes it the best choice for a guaranteed death benefit. Click here to view the presentation and to learn more about this exciting new addition to Ohio Nationals whole life portfolio of products. |
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| WCL Important changes to the West Coast Life Income Advantage Annuitysm Plus In light of the current interest rate environment, West Coast Life Insurance Company has found it prudent to adjust the certain period options available with its Income Advantage Annuity Plus. Please Click Here for More Details. |
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| American General Double Your Coverage Program Extended to March 31, 2010 The insurers of American General Life Companies are pleased to announce that we have extended the Double Your Coverage program to March 31, 2010. This is a great opportunity for clients who have policies issued within the past three years to acquire additional coverage with minimal underwriting and paperwork. We have also liberalized the increase rules for term. See the rules and use the consumer flyers for AGL to help you promote this program to your clients. |
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| American General 10 for $1000 Sales ContestJust write 10 life cases between now and year-end and you could earn up to $1,000! Nearly all of our term and permanent life products qualify for this promotion. See the specific AGL contest rules and details. |
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| American General One Plan Meets Two Needs AG ROP Select-a-TermSM covers income replacement need until retirement and then guarantees final expense coverage after retirement if the insured survives and maintains the policy. See this issue of SalesMakers to learn more. |
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| American General Well-educated, Middle-class homeowners...Does this describe your clients? Could their financial health be at risk if they had an accident or critical illness? According to a study published in The American Journal of Medicine, 60 percent of bankruptcies are due to medical causes. This flyer shows how you can protect your clients from coverage gaps in their major medical plans by supplementing with an accident and/or critical illness insurance plan |
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| American General MDRT Minute In todays financial situation, everything is still possible... as long as we are willing to listen between the lines, ask sound questions, and most importantly, take timely action. |
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| American General Introducing Automatic Requirement E-Mails Starting the week of November 9, 2009, we will launch one of our newest service enhancements, Automated Requirement E-mails. This new service will automatically send e-mails to your agency when there is activity on a case. |
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| American National American National has a Current Assumption Universal Life Plan that offers SOLID cash value accumulation (Top-ranked on CV at age 65 - top 5 through ages 65) AND a No Lapse Guarantee Rider ("CCV Rider") Down to $25,000 FACE!!! Non-Medical (full application, but No Blood, No HOS, No Hassle!) for $25K - $99,999 thru age 50! $25,000 - $49,999 ABSOLUTELY No medical -just the health questions, MIB & Script Check $50,000 - $99,999 Oral (Cotton) Swab Only TABLE SHAVE 4 TO STANDARD! No Lapse Guarantee Rider Available - Can Drop it ANYTIME! Rolling Targets First 2 Years 5% Current Crediting Rate' |
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| American National Effective November 30, 2009 the Return of Premium Rider, used with ANICO Select 15, 20 & 30 Year Term, will be withdrawn from sale. Applications for Select Term with the optional Return of Premium Rider must be dated no later than November 30, 2009 and received at American National by December 1, 2009. Approved Select Term policies with the ROP Rider will be issued no later than December 31, 2009. |
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| AXA People, Process, Technology Roadmap for New Business and Underwriting Target Cycle Times: See the flyer to get up-to-date details on our new business and operations support improvements. |
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| AXA Credit Shelter Trust Reduce Estate Taxes and Transfer More Assets to the Next Generation: Learn more with this Credit Shelter Trust Client Brochure. Enhance Wealth Transfer and Maintain Principal Using the Return of Premium Death Benefit Rider: Review this case study if you have clients who want to preserve a legacy for their children and feel confident they will not run out of money. |
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| AXA For Clients Who Need Life Insurance & Long Term Care Help maximize the dollars clients spend on insurance premiums - get them both life insurance and long-term care coverage in one place. And, with AXA Equitables Long-Term Care Servicessm Rider: Unlike similar long-term care riders, AXA Equitables rider pays every year a client qualifies - without the reimbursement paperwork required by many other carriers. Clients will not lose if they do or do not make a long-term care claim. With the Long-Term Care Servicessm Rider, a portion or all of the death benefit can be collected while the insured is alive to be used for long- term care expenses. The unused portion of death benefit, if there is any, will go to their beneficiaries upon death. See how this works for clients. Click here for details. |
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| Lincoln Financial Wouldn’t it be great for your clients to have a life insurance policy that could give them the flexibility to manage the unexpected? To give them the comfort of knowing that they’re protecting what’s most important at the same time they’re accumulating assets? That way they can focus on enjoying life and not worrying about what they can’t control. If so, a Lincoln universal life insurance policy may be right for your clients. View the Web version here. |
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| North American The Cash Management Annuity sales will temporarily discontinue effective November 2, 2009. Please call us for the updated state approval chart and interest rate sheet. Applications must arrive by close of business Monday, November 2, 2009. We will accept fax copies of applications with originals arriving on Tuesday, November 3 at 866-322-7073. No exceptions will be made. View this message as a web page. |
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| American General Double Your Coverage Liberalized - Extended Dates, More Term Increase Options Double Your Coverage - a great opportunity for clients who have policies issued within the past three years to acquire additional coverage with minimal underwriting and paperwork and now its better than ever. We have extended the Double Your Coverage program period through March 31, 2010 and liberalized the increase rules for term. New term coverage can now be any duration - longer, shorter or the same as the original coverage (10-year term only available if original coverage was 10-year). See updated rules and FAQ. New consumer flyers for AGL are available to help you promote this program to your clients |
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| American General 10 for $1000 Sales ContestJust write 10 life cases between now and year-end and you could earn up to $1,000! Nearly all of our term and permanent life products qualify for this promotion. See the specific AGL contest rules and details. |
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| American General A&H Opportunity: Ineligible for Disability Insurance? A number of occupations that may be ineligible for disability income insurance - such as firefighter, long-haul truck drivers, janitors and police officers – can in fact qualify for critical illness insurance. Jims case is a good example; see the flyer featuring his situation. |
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| AXA Exit Strategies and AEGIS: Join AXA on Tuesday, October 27 at 1:00 EST for a brief and informative webcast. See the invite for meeting specifics. |
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| AXA Life Insurance: No Other Financial Product Delivers All These Benefits: View this AEGIS Help flyer and learn more about the advantages of life insurance report in the AEGIS illustration system. |
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| Banner Effective October 26, 2009, Banner will make the following term portfolio revisions: Lower rates in all non-tobacco underwriting classes for OPTerm® 10, 15, 20 and 30- year level term plans in the following premium bands:
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| LBL Did you know that 28% of customers who decide NOT to buy life insurance make that decision because they feel like they dont know enough about the product?* Its true. As a trusted financial advisor to your customers, you know that there is never an excuse for letting a customer walk away uninformed. But how can you help customers gain a meaningful understanding of what universal life can do for them? Show Them Another Side of Life. Another Side of Life is an illustration supplement in the Lincoln Benefit Life software. This unique feature creates a lifelike story that supplements a traditional illustration and gives context to the benefits and costs of universal life insurance, so customers can understand what a policy would really mean in their own lives. Once you have created an illustration like the one we have enclosed, just print it out and have it ready for your appointment. Personalizing your sales materials lets customers know that you are prepared and that you understand their individual needs. Plus, they will walk away with a clearer understanding of how a UL policy could affect their peace of mind and overall financial future. You have to create an illustration anyway. Why not add this easy-to-create supplement to give customers an even greater understanding? Another Side of Life Customer Brochure |
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| Lincoln Financial Proof of Age Requirement for Lincoln SmartIncomeSM Inflation and Lincoln Insured IncomeSM Immediate Annuities Lincoln SmartIncomeSM inflation annuity and Lincoln Insured IncomeSM immediate annuity use the owner’s age to determine the income payment. Lincoln requires the agent to verify the client’s age when applying for these two products. This confirmation can be documented by submitting one of the following:
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| American General Double Your Coverage Liberalized - Extended Dates, More Term Increase Options Double Your Coverage - a great opportunity for clients who have policies issued within the past three years to acquire additional coverage with minimal underwriting and paperwork and now its better than ever. We have extended the Double Your Coverage program period through March 31, 2010 and liberalized the increase rules for term. New term coverage can now be any duration - longer, shorter or the same as the original coverage (10-year term only available if original coverage was 10-year). See updated rules and FAQ. New consumer flyers for AGL are available to help you promote this program to your clients. |
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| American General 10 for $1000 Sales ContestJust write 10 life cases between now and year-end and you could earn up to $1,000! Nearly all of our term and permanent life products qualify for this promotion. See the specific AGL contest rules and details. |
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| American General Simple Disability Income Coverage for Term Buyers The Disability Income Rider offered on the American General Life version of AG Select-a-TermSM can be a valuable enhancement for some term clients. |
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| American General Upcoming Webinar with Durr Sexton Plan to join Durr Sexton on Wednesday, October 21, for an update on American General and our new sales initiatives, including the Double Your Coverage promotion. Joining Durr for a "Fireside Chat" is the venerable Oscar Newton, legendary American General executive and noted industry speaker. |
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| American General Coming Soon: Automated Requirement E-Mails and ePolicy Delivery Admin Tool! On November 6, 2009, we will be implementing these two new service enhancements to help you better manage your business. |
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| AXA New Business Operations - People, Process and Technology Current Status of New Business and Underwriting Cycle Times: See the flyer for more details. Life Application Processing Tips: View this helpful guide to learn more about submitting applications in good order. |
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| Lincoln Financial Lincoln LifeGuarantee UL 2009 — When should you use it? Clients seeking cost-efficient protection — We are extremely competitive in the age 55 to 70 range
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| Lincoln Financial Lincoln LifeGuarantee Plus UL 2009 — When should you use it? Clients ages 45–65 who want death benefit guarantees and cash value. Cash value is available if the client’s needs have changed and they want to convert to a new product in the future. Improved prices on level pay scenarios. You only need to fund to age 100 to guarantee lifetime coverage For flexibility in planning for:
When you do sell which guaranteed product? Two questions you should ask your clients 1) Does the client need a guaranteed death benefit? If the answer is YES, then 2) Does the client need or want cash value in addition to the death benefit? If the answer is YES: Lincoln LifeGuarantee Plus UL is the product. |
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| North American Inactive Agent Process – New Process for cases submitted by non-appointed producers Effective November 12, 2009 a new process will be put in place. If a new, currently dated application has not been received by the time the case is ready for approval, the pending case will be held open for two weeks awaiting the new application. If the new application is not received by the end of that two-week period, the case will be closed. |
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American General American General One Year Later
Double Your Coverage 10 for $1000 Sales Contest The Insurers with Choices Key Employee Protection Plus Annuities Update |
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| AXA Advanced Markets Life Insurance as an Asset - View the New and Updated Materials on our Very Popular LIAA Turnkey Marketing Program
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| Forethought All reward. No risk. Secure Income 125 7.0% commission ages 0-75 (4.5% ages 76-85) Its secure because its Forethought. All the features you love to sell now on a traditional fixed annuity! 25% Guaranteed Lifetime Income Bonus compounding at 5% at each contract anniversary for the first ten years (Applied to Guaranteed Lifetime Income Account Value. Not available on cash surrender. 5% growth ends when income benefit is activated.) Optional Increased Death Benefit Guarantee rider available Guaranteed Lifetime Income Options including single or joint life and level or increasing income benefit |
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| Lincoln Financial Fixed Annuity Sales Update: Update to rate lock procedures Thank you for trusting Lincoln Financial Group with your fixed annuity clients! We want to make you aware of some modifications to our rate lock procedures. Effective November 1st all business that is included in Section 4 of the Acord form will only be eligible for the 7-day rate hold recently implemented for CWA business. Regardless of whether or not Lincoln initiates the transfer of funds there will no longer be a 60-day rate hold for asset transfers (CDs, mutual funds, brokerage accounts, etc.). Applications received between today and October 31st will be provided a rate hold through November 30th. If funds are not received and the paperwork in good order in time for the last issue date in November then the contract will issue with the rates in effect when the funds are received and the paperwork is in good order. Any applications received November 1st or later will be provided the 7 day rate lock unless the Acord transfer form indicates fund transfers in sections 3 or 5. In addition, qualified employer money (401(k), 403(b), defined benefit plans that are rolling over into an IRA) is eligible for a 60-day rate hold (75 –day in NY) regardless of whether Lincoln initiates the transfer as long as the funds are made payable directly to Lincoln. Application and Acord form needs to be submitted indicating Lincoln should not initiate transfer of the funds. If the client initiates the transfer and the proceeds are not made payable to Lincoln then the case will receive the 7-day rate hold instead of the 60-day (75-day in NY) rate hold. Thank you again for your business! |
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| North American Custom Guarantee now available in Texas. New Childrens Term Insurance Rider Available on all Universal Life and Indexed Universal Life Insurance Plans Optional Increased Death Benefit Guarantee rider available Click to view Case Study. |
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| American General ContinUL Extend PlusSMJoin American General on September 15, 2009 at 11:00 AM (Central time) as they discuss American Generals new ContinUL Extend Plus guaranteed universal life insurance product. New! Rapid Rater Tool for Accident Expense Plus® Now its easier and faster than ever to calculate premium rates for Accident Expense Plus. Located under Products in both the Accident & Health and Accident Expense Plus sections of the eStation producer Web site, their rapid rater tool delivers rates in seconds based on age, gender, deductible and annual maximum benefit amount. |
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| American National Effective November 1 2009 the Return of Premium Rider used with ANICO select 15 20 & 30 year term will be withdrawn from sale. Applications for Select Term with optional ROP rider must be dated no later than October 31, 2009 and received at American National by November 1, 2009. Approved Term Policies with the ROP rider will be issued no later than December 31,2009. |
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| American National ANICO Announces the NEW ANICO Indexed Universal Life* New ANICO Indexed UL offers the best of both worlds Protection in the event of premature death & Accumulation for future life needs.
*Not a registered security or stock market investment and does not directly participate in any stock or equity investments or index. |
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| AXA Internal Retention and Reinsurance Guidelines Effective immediately AXA Equitables Internal Retention and Reinsurance Guidelines have been updated. These guidelines apply to all new and Inforce policies issued through AXA Equitable and its affiliates. Rules and limits on discontinued products have been removed. |
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| John Hancock Your Older Clients Can Step Off the Treadmill John Hancock have eliminated the requirement for a treadmill test for non-smoker life insurance applicants ages 70 and older, for all face amounts. |
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| John Hancock Occasional Cigar Smokers Now Eligible for Super Preferred Occasional cigar smokers can now obtain a Super Preferred decision for a John Hancock life insurance policy. |
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| LBL Life Insurance Awareness Month is Here There’s no better time to do Life Insurance Reviews than now. Take this opportunity to learn more about our Life Insurance Review process and you will find that you will build loyalty and increase your business all at the same time. Let us help you prepare with our 5-step process which will be featured in the next few issues of eLBL. Why devote a month to Life Insurance Awareness? |
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| North American ADDvantage® Term with New Competitive Rates! ADDvantage is term life insurance where the current premiums are guaranteed for a specified number of years (10, 15, or 20), so your clients know their premiums will not increase for their chosen specified period. Marketable Features:
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| Symetra Interest Rate Update Announcement – Effective 9/01/09 Symetra Successor Single Premium Life Insurance new Money Net Interest Crediting Rate: 2.25% guarantee period, 12 Months Guaranteed Minimum Interest Rate: 3.0% Gross Symetra Universal Life Insurance (SUL) & Symetra Universal Life Insurance Plus (SUL+) New Money Net Interest Crediting Rate: 4.5 % guarantee period: 12 Months Guaranteed Minimum Interest Rate: 3.0% Gross |
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| WCL Changes and Enhancements to E&O Plan for West Coast Life Producers Great news about E&O coverage available to West Coast Life producers! This new program offers increased coverage and lower rates! Click here for details and enrollment procedures. |
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| American General Download Rapid Rater and Upload Your Term Sales By including the Rapid Rater link on your Web site and e-mail correspondence, you can quickly compare term rates for all risk classes and durations for AG Select-a-TermSM and AG ROP Select-a-TermSM. See the new flyer to learn more. |
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| American General Save the Date! On September 15, 2009, dial in for an exclusive Webinar on our new ContinUL Extend PlusSM More details to come. |
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| American General Turbulent Financial Markets, its Term Time! When financial markets are down and times are tough, term insurance really shows its value. This updated issue of Sales Makers shows how AG Select-a-TermSM is the only term product on the market that can truly match the clients’ needs with coverage duration. |
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| AXA AXA Equitable has made a number of improvements in Underwriting: See how life is easier with our Consistent, Competitive, and Innovative Underwriting! |
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| Aviva Avivas August Webcast Schedule from Training 4U. Click here. Avivas August issue of "The Compass" from Advanced Markets. To view this email click here. |
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| Forethought Underwriting Change - Reminder We just wanted to remind you of the underwriting change. On August 3, 2009, the Ultra underwriting tier was removed from the enhanced Forethought ForeLifeSM product. This leaves Preferred, Standard, and Basic as the three underwriting options available in states where approved. See the attached chart for state availability. You may continue submitting new business using existing applications, but DO NOT quote premiums or select Ultra as a plan option. All applications submitted or pended prior to August 3, 2009, will be honored. |
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| LBL Help customers plan for future college expenses View this e-mail online |
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| Lincoln Financial September is Life Insurance Awareness Month Learn about the many ways newlyweds can use life insurance to build cash value and provide for their children. |
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| Lincoln Financial Survivorship Universal Life for Married Couples If the couple buys a house together, look at appropriate levels of life insurance. Will they want to pass the home onto their children? Will the heirs be able to afford the estate? Life Insurance can be a companion to a will that may help with estate planning. If the client’s estate changes, they can modify their coverage to meet the changing needs. Universal life is a reliable way to build cash value at a guaranteed minimum rate. Discuss the need to leave money behind for their children to live an advantageous and rewarding life should an accident claim both the couple’s lives. |
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| North American Custom Guarantee® with New Competitive Rates! Help your clients attain affordable and guarantee universal life insurance North American Company is bringing you great news with their newly revised Custom Guarantee universal life insurance. It offers coverage designed to provide a guaranteed death benefit up to age 120. Your clients can choose the duration of the guaranteed death benefit coverage that fits their needs through the products Extended No Lapse Guarantee, which extends the five year no lapse guarantee period. Best of all, Custom Guarantee features new and competitive rates to help you accelerate sales! Marketable Features:
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| Symetra Symetra Protector Term Life Insurance with Return of Premium - Coming September 1, 2009 Looking to drive term life sales? - Symetra ROP 9/1/09. Find out how to utilize Symetra Protector Term Life Insurance with Return of Premium to improve sales and provide an added benefit to your clients. You may be seeing:
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| WCL Changes and Additions to West Coast Lifes Premium Financing Programs To view this web page, click here. |
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| American General AG Select-a-Term: More Choices, Plus Guarantees Change to Annualization Chargebacks Beginning August 15, 2009, annualization chargebacks resulting from a cancellation, not taken or lapsed policy will occur immediately. |
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| AXA Underwriting Improvements See how life is easier with AXA Equitables Consistent, Competitive, Innovative Underwriting: View the flyer for more information on recent improvements. |
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| Banner Effective July 30, 2009, online commission statements will be enhanced. The new features provide for a more user-friendly way to reconcile your commission activity. Highlights of the new secure on-line commission statements include the following: Statements for earned or advance commission The ability to search commission by policy number, date processed insured’s last name or insured’s first name. Improved layout and the addition of a new column providing the date the commission was processed Web Commission Statements Enhanced: Paper Statements Discontinued Sept. 1 |
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| Lincoln Financial The Competitive Edge August Newsletter View the Web version here. |
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| Mass Mutual From September 14 - December 15, 2009, policyholders underwritten with MassMutual or an approved carrier1 in the past two years will receive express underwriting for additional coverage using whole life. Express Underwriting means no additional tests or exams2. With E-Z Pass, your clients will cruise through the process of obtaining additional whole life coverage from MassMutual. For more details please call us. 1: MassMutual policyholders only for DI offer 2: MassMutual reserves the right to request full underwriting. |
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| North American Improved Rates on North Americans Guaranteed Products Discover new enhancements to North Americans underwriting guidelines. View our updated ADDvantage term product with impressive rates. See our new and improved Custom Guarantee with great new rates. An Exclusive Webinar Invitation from North American View the online version |
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| AXA Think death proceeds from Life Insurance are always tax free? Think again. Learn more about the new IRS guidance on EOLI |
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| Lincoln Financial For all plans of insurance, Lincoln Financial can now offer Preferred rates on domestic private pilots who are under age 70 and who have at least 100 solo flying hour experience. They must also have their IFRs and fly no less than 50 hours and no more than 250 hours per year. |
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| Lincoln Financial Effective Monday, August 17, 2009, the minimum face amount for Lincoln LifeElementsSM Level Term will increase to $250,000. New Disclosure for Lincoln LifeElementsSM Level Term (2009) - New Disclosure forms are required at solicitation of the Lincoln LifeElementsSM Level Term (2009) product due to a unique product feature: a one-time, automatic and significant decrease in death benefit immediately following the level term period. |
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| West Coast Life West Coast Lifes Golden Legacy Term Product Update |
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| West Coast Life Effective immediately, West Coast Life will securely release Part I, Part II, EKG (if applicable), lab results and physician statements to the agent upon request and receipt of appropriate authorization form. Authorization to Release Underwriting Information |
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| West Coast Life West Coast Life is pleased to introduce an innovative solution to meeting the permanent insurance needs of individuals with substandard underwriting ratings Introducing the Return Of Substandard Charges Option (ROSCO) Rider on LifeTime Advantage Plus UL |
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| West Coast Life West coast Life is pleased to announce substantial improvements to there Substandard non-tobacco rate classes (most ages and genders) for the Lifetime Advantage Plus UL product. West Coast Life LifeTime Advantage Plus UL Updates |
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| American General Products Available for Term Conversions These permanent products are eligible for term life conversions in light of the recent changes to our term and universal life portfolios. |
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| American General Medical Bills Bankrupt Middle-Class with Health Insurance A new study reveals that over half of bankruptcies are due to medical bills and many of those families filing bankruptcy had health insurance. Protect your clients financial future from coverage gaps in their major medical plans by supplementing with accident and/or critical illness insurance. |
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| American National Security and Liquidity with ANICOs SPIA Click to view this email in a webpage. |
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| Forethought Forethought Update - AML Certification available through LIMRA! click here. |
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| Lincoln Benefit Life Introducing the new product Directory: View the Product Directory |
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| Lincoln Financial Effective Monday, August 17, 2009, the minimum face amount for Lincoln LifeElementsSM Level Term will increase to $250,000. Therefore, beginning on August 17th we will no longer accept applications for face amounts less than $250,000. This change is being made to provide the best service levels for you and your customers by focusing on our target markets and core business. We will accept signed, formal applications for face amounts under $250,000 through Friday, August 14. All signed, formal applications must be received in the home office by this date. Lincoln Fixed Annuity Mid-July Rate Decrease View the Web version here. |
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North American Space is limited, register today! |
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| Prudential SUL Protector Re-Pricing; effective Monday August 17, 2009 A state approval table will be published on or about August 6th. In those states where the new rates have not been approved, existing rates will apply. |
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| UNIFI Advantages from UNIFI Excel LifeValue UL Repriced. See the repriced Excel LifeValue UL advantage! |
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American General |
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American General |
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American National |
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AXA |
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| Forethought Forethought partners with LIMRA for AML Certification. To view this click here. |
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| Lincoln Benefit Life Underwriting Case Study Health Impairments + Excellent BNP = Competitive Offer. Revision to Underwriting guidelines for several impairments that could result in more favorable offers are now available in the updated LBL Underwriting guide. See the details. |
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| Lincoln Benefit Life Make sure newlyweds are properly insured. View this e-mail online |
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| Lincoln Financial Lincoln is here with Lincoln LifeGuarantee SUL. View the Web version here. |
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| North American North American Companys Indexed Universal Life Insurance Portfolio. View the online version. |
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| Symetra Symetra General Annuities Update Effective 7/13/2009. Click here. |
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| UNIFI UNIFI Companies Cross-Selling Program See the UNIFI Companies Cross-Selling Advantage! Your Disability Income insurance clients qualify for life insurance issued by our life insurers.
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| American General Universal Life Product Changes Coming July 2009 To keep you informed, AG is providing advance notice of there upcoming new product, ContinUL Extend PlusSM, which will replace both ContinUL Extend® and Elite Universal Life GSM subject to these transition rules. Your Clients Could Earn 8 Percent with AG Global Bonus Index® Take a look at AG Global Bonus Index, which offers a 5 percent upfront bonus credited immediately and a 3.7 percent one year rate. That’s more than 8 percent return for one year! |
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| American National American National’s Palladium MYG Fixed Annuity has 8 choices….8 Guarantee periods from 3 to 10 years Click to view this email in a webpage |
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AXA View the Product Guide to learn more! State Availability Chart, Rate Book, Quick Reference Card |
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| Forethought Forethought Income125, a single premium deferred indexed annuity. A must see Client presentation |
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| Lincoln Benefit Life Underwriting update: Revision to Underwriting guidelines for several impairments that could result in more favorable offers are now available in the updated LBL Underwriting guide. See the details |
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Lincoln Financial |
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Big 3 from AIG http://www.brainshark.com/brainshark/vu/view.asp?pi=54127347 |
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| AIG/ American General introduces 31-35 year term on its innovative Select-A-Term product Introducing Extended Term Periods on AIG Select-a-Term®
Be sure to use their Rapid Rater to quickly find the rates you’re looking for! http://www.aiglifebrokerage.com/display/router.aspx?docid=1342 5 for $500 Bonus These new term periods are effective February 25, 2008. |
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Banner Reduces Term rates again!! Effective February 25, 2008, Banner Life Insurance Company reduces OPTerm® rates on their most popular term periods in the preferred plus and preferred underwriting classes at face amounts $250,000 and above. Some examples of these rate reductions:
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| Table reduction program from AVIVA/ Indianapolis Life Aviva (formerly Indianapolis Life) launches Table Reduction Program Program Guidelines
ISUL Guidelines
Term Conversions
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Fort Dearborn Life announces the new Classic Fortifier with the bail out feature Introducing the New Classic FortifierTM Features of the product include:
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| West Coast Life introduces new term rates and underwriting enhancements on the Focus Term Series! Introducing New Rates and Underwriting Enhancements on West Coast Life’s Focus INTRODUCING SENIOR UNDERWRITING: Check out some of their price reductions in these “before and after” sample rates:
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Pruco Life reprices term rates! Effective January 7, 2008, Pruco Life's Term Essential® and Term Elite® Are Being Repriced* to Improve Product Competitiveness! Improved Competitiveness
Transition Period Rules Age Last Birthday advantage! |
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| Earn $500 for 5 "Off Period" term policies with AIG
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Genworth Financial Notification |
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West Coast Life - New Procedures for Corporate Contracts Effective Immediately |
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Lincoln Benefit - TrueTerm product, Term Life Insurance with the Return of Premium Rider |
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EG: Conversion of policies after merger |
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WCL: Underwriting liberalizations effective immediately |
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WCL: Changes to UL portfolio, 2nd to die UL no longer available |
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| Banner: Underwriting Strengths update Aug. 2006
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| WCL: Use TeleLife in all states now!
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| WCL: TeleLife Details. Tired of pages in an application to fill out? Click here!
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| WCL: Term Conversions paid full commissions
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| AIG: Long term disability insurance product introduced!
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| North American: Multiple contracts limited to 2 through the IMC channel
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| West Coast Life: Changes to the Focus Term Series
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| Banner: Foreign Travel Update
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| AXA: Change in Inspection guidelines
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| U. S. Financial: New UL product features
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| EG information regarding changes effective July 1, 2006
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| WCL and EG will be one announcement effective July 1, 2006
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| AIG: new underwriting guidelines for EKG/MVR/Family History effective June 2006
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| AIG: Agents are required to pay non resident fees in some states to get appointed. | ||||||||||||||||||
| New term rates for AIG ROP term!
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| Empire General and West Coast will not issue policies that will be resold in the secondary market.
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| F&G Annuity road show coming to a city near you!
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| GAIN has added Genworth Financial to its list of carriers. Our producers now have access to Genworth Financial and First Colony products! Please call us at 800-847-6426 for product information and to get contracted. |
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Anti-Money Laundering Training for all Producers: General Agents Insurance Network (GAIN) being a member of NAILBA, strongly promotes this initiative and requests all agents to participate in this training. Here is the link to the AML presentation: |
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| Empire General Bulletin Reminder of the Discontinuation of InstaTerm: As announced in the SITP 2006-1 Bulletin, dated February 1, 2006 , the last day that applications can be submitted for term life products within the Simplified Issue Term Program (SITP), is Friday April 21st. |
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| F&G email Bulletin-Attention: TX & NY Agents: Effective June 1, 2006 , indeterminate premium disclosure forms (on select products in these states) are required to be signed by an applicant and must be submitted with term life insurance applications. These forms help to ensure that the policyholder is aware that premiums may change after the premium guarantee period. |
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| West Coast Life Bulletin- Revised Background questionnaire: West Coast Life is now requiring agents to provide all resident addresses and employment history for the past five years. This will help WCL expedite agent criminal background investigations. This change is effective immediately. |
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