If you’ve got clients who want affordable, temporary protection until the mortgage is paid off or for business key person coverage, consider Lincoln LifeElements® Level Term. It also gives clients the flexibility to meet their changing needs. Your clients can convert to a Lincoln permanent policy and add optional features to meet their individual goals. Read more.
Include LTCi in Retirement Planning
It’s important to tell clients about using long-term care insurance to protect their retirement income. Here’s how to help them understand the retirement advantage of an LTCi policy. Read more.
LTC Underwriting Guide Updates
At Mutual of Omaha we are always looking for ways to support your sales efforts and improve our processes. Do help accomplish this, we have revised the MutualCare Solutions Underwriting guide with the most updated information about uninsurable medications and updated medical impairments and requirements. The new guide will be available to order on April 18 and updates are effective on May 1. Read more.
Interest rates may continue to rise. If they do, make sure your clients are ready with IUL Protect and our Extra Interest Credit. The Extra Interest Credit delivers direct cash value to your clients, on top of their index return, when credited interest rates rise. Want to see how and why it works?
Beginning April 16, 2018, Max Accumulator+ and AG Platinum Choice VUL 2 can be processed with non-medical underwriting. Meaning, a purchase process that is simpler for your client, faster for us to support, and easier for you to complete! No labs, APS’s, Para-meds, or physical exams. Easy processing with fewer requirements to gather. Same competitive products – no changes to compensation, product, or price. Check out this great flyer on our increased speed you can share. Prerecorded training webcast also available now!
It was a choppy start to the year for the financial markets, as long-term interest rates jumped and the S&P 500 fell into its first correction in two years. From a broader perspective, the long-running expansion still appears unlikely to be imperiled anytime soon. Learn more.
Prudential has a focus on winning in the marketplace through sharp, competitive underwriting… today and in the future. Click here to view their strengths and niches, including the ability to offer non-smoker rates to many users of e-cigarettes.
Great news for clients who want temporary life insurance to help protect their family or business! Competitive pricing for $1 million coverage, age 45+ and $500,000 coverage, age 55+. Guaranteed death benefit protection for 10, 15, 20 or 30 years. Large case know-how with the average face amount being one of the highest in the industry* and leading-edge underwriting. Smaller cases move faster with an easy application via streamlined Tele-App process for electronic and paper ticket submissions — so you can focus on your large-case clients. Learn more.
Effective April 1, 2018, a Senior Assessment will be required in certain age/face parameters on fully underwritten Life products. It will be completed at the time of the paramedical examination. This testing will assess a client’s cognitive ability, memory functions, mobility testing and ability to perform Activities of Daily Living. Read More
Starting April 14, 2018, the price of GUL 3 will be increasing an average of 3 to 4%. Adjustments to the target premiums will also be made. While we strive to hold the prices of all of our products steady, the long-standing low interest rate environment continues to put pressure on our industry. To ensure we stay laser-focused on our commitment – to deliver higher value to both you and our clients – a rate change is necessary. Learn more.
In the indexed universal life space, we are the experts. Does your indexed universal life (IUL) carrier: Trace its origins to the beginning of the IUL marketplace? Employ people with firsthand knowledge and experience gained by developing and marketing products that have led the IUL industry? Use product designs tested and proven through real market cycles? Have an IUL product with 10 years of interest crediting history? Since 2007, Lifetime Builder IUL has provided a compelling value proposition as it closely shadowed the S&P 500® index yet protected customers from the downward movements of the market. Take a look at how our expertise can help put your client into a great product by choosing Power of IUL on globalatlanticlife.com/sales under Spotlight On.