Archive for the ‘Life Insurance’ Category

Principal Accelerated Underwriting Program

There has been an avalanche of email traffic regarding a “new, exclusive product available to only four general agencies in the country” that has: A maximum face amount of $1MM No exam, no blood, no urinalysis, and no medical records Policy issue in two days Commissions paid immediately Just one small problem – that “program” […]



What rate should I illustrate for IUL?

Refer to history to create a level playing field when illustrating and comparing indexed universal life products. Use this updated Historical Percentile Rate guide. Click here to view the document online, or download 160849.pdf. Embedded Document



Zurich Revises Non-Obstructive Coronary Artery Disease Guidelines

WHAT’s NEW? We have extended the age range to qualify for Standard on a client diagnosed with non-obstructive coronary artery disease and improved others. WHAT IS NON-OBSTRUCTIVE CORONARY ARTERY DISEASE? Exclusive of left main disease, it means the three principal coronary arteries (LAD, CX and RCA) are stenosed less than 50%. BACKGROUND Typically, many underwriting […]



A Breakthrough in No Lapse Guarantees

Lincoln Treasury Indexed UL is the innovative policy that earns credits if the 10-year Treasury yield rises.1 Clients can use these credits to extend their guarantee, reduce their out-of-pocket premiums, or receive a cash payment. And there are more great advantages • Clients get guaranteed credits in the first five years. • Afterward, they earn […]



Five opportunities to use Lincoln Treasury Indexed UL

If you have clients ages 35–65 who want affordable guaranteed protection and would like to capture the potential of rising 10-year Treasury yields,* recommend Lincoln Treasury Indexed UL. It’s the innovative indexed universal life policy with only one nonguaranteed component — the 10-year Treasury yield. Recommend Lincoln Treasury Indexed UL for: Clients with estate tax […]



Life Insurance as an Asset Class

In times of economic uncertainty, many individuals turn to life insurance to help stabilize their investment portfolios. When used as an estate-planning tool, the life insurance policy’s proceeds will often yield a more competitive rate of return compared to legacy assets held in a taxable investment. Click here to view the document online, or download […]



IRA Maximization

A stretch IRA can be an effective tool for increasing the wealth that passes to beneficiaries. With a life insurance policy held inside an irrevocable life insurance trust (ILIT), the stretch IRA can result in a larger legacy and give owners more control over how trust assets are distributed. Click here to view the document […]



Leveraged Credit Shelter Trust

If your married clients have significant assets, they may already know the important role an irrevocable Credit Shelter Trust (CST) can play in helping to protect and enhance their legacy for future generations. Life insurance can increase the value of your clients’ trust, allowing more assets to pass to beneficiaries. Click here to view the […]



Annuity Maximization – Income and Estate Tax on Annuities

Help your clients understand the federal income and estate tax impact on a deferred annuity at death, and suggest an alternative—gifting all or a portion of the current annuity’s value to a trust and purchasing life insurance. Click here to view the document online, or download LIM – 1087.1.pdf. Embedded Document Click here to view […]



Increased retention and jumbo limits for Symetra Level Term Life Insurance

We recently increased our retention limit from $1 million to $3 million, and our jumbo limit from $25 million to $65 million, on Symetra Level Term Life Insurance. These increased limits, combined with our already competitive automatic reinsurance limit, provide greater underwriting flexibility and competitive positioning among our peer companies. Please refer to our Retention […]



Lincoln National Introduces MoneyGuard II

This new release of MoneyGuard is different in a number of important ways, but is still the industry standard for Long-Term Care benefits from an asset-based solution. Critical product changes include: The elimination of the Smoker underwriting class.  Prices are the same for both smokers and nonsmokers. The availability of a spousal discount, similar to […]



10 Marketing Ideas in 10 Minutes – PruLife® Founders Plus UL

To support your conversations around the new PruLife® Founders Plus UL, leverage 10 marketing ideas in 10 minutes. Examples include living needs protection, term conversion, wealth transfers, and idle assets. Click here to view the document online, or download 0255612_FoundersPlus_10in10.pdf. Embedded Document



Webinar Series – The Future of Life Insurance: 10 Minute Underwriting

This webinar will teach you – The five minute “napkin story” that moves clients to immediate action – How an insurance transaction can be DONE in ten minutes (not 90 days), and – Why a lifetime money-back guarantee means “thinking it over” is a thing of the past All of this is possible because the […]



The Future of Life Insurance: 10 Minute Underwriting

This webinar will teach you – The five minute “napkin story” that moves clients to immediate action – How an insurance transaction can be DONE in ten minutes (not 90 days), and – Why a lifetime money-back guarantee means “thinking it over” is a thing of the past All of this is possible because the […]



Liberty Mutual Sales Six-Pack

Who is your next client? Continue reading to find out. These six sales ideas will help you identify prospects and craft appealing solutions that can be executed fast!