Advanced Markets
Aviva
Aviva Adopts New Guidelines for Premium Finance and Early Cash Value Rider
Aviva strives to offer products and sales assistance to help producers with high-net-worth clients and business prospects, including Legacy Leveraging, our proprietary premium financing program. Aviva’s dedicated Advanced Markets team continually monitors the climate across key financial service areas. In the course of recent evaluations, we have determined a need to modify the Legacy Leveraging program to ensure the quality of our premium finance business. Click here to read National memo. Click here for the New York memo.
AXA
Tuesday, June 28 at 1pm ET: AXA Equitable Now Financially Underwrites Cases Based on the Projected Inheritance of the Insured!
View the details here. Also, Please join us for an exciting discussion on this subject, hosted by AXA Equitable's Advanced Markets team.
John Hancock
Life Insurance and 1035 Exchanges with Kevin Blanton, JH Advanced Markets Radio
Our very own Kevin Blanton, Associate Counsel and AVP of Advanced Markets, joined Randy Zipse, JD, CPA and Senior Counsel, Advanced Markets Group, to discuss what to look out for when dealing with 1035 exchanges of life insurance. Click here to listen.
We have provided our new and updated pieces:
Because You Asked – 1035 Exchanges
Because You Asked – Policy Loans
West Coast Life
We're Bringing the Power of Wealth Transfer to Your Desktop
The IRA Wealth Transfer Center gives you access to the information you need to help clients create an IRA legacy that can last for generations. Read more
Disability Insurance
American General
Simple Disability Income Coverage for Term Buyers
The Disability Income Rider offered on AG Select-a-Term® can be a valuable enhancement for some term clients. Many of your term clients have some employer-provided disability income (DI) coverage, but may want more. They may also want coverage that won't be lost if they change jobs. If clients are issued standard or better for the term coverage, they can also qualify for the DI Rider with no additional medical underwriting. Read more
National Underwriter
Federal Appeals Court Backs Disability Claimant
A federal appeals court in Pennsylvania has ruled against a mutual insurer and in favor of an injured railroad employee in a case involving an interpretation of the term "total disability."…Read more
Marketing/Industry Updates
American General
Classic, Competitive, Flexible and Secure
American General Life Companies invites New York producers to review our All Seasons Product Portfolio issued by The United States Life Insurance Company in the City of New York. We're committed to providing New York producers with competitive, innovative products. Click here to view.
AXA
Athena Universal LifeSM
AXA Equitable Athena Universal LifeSM offers better price and stronger cash value potential at current rates and charges than Protective Centennial GUL II.
ING
Reposition Tax-Exposed Retirement Income Using Self Owned Life And Retirement (S.O.L.A.R.) Insurance Arrangements!
Do your clients have savings in qualified retirement plans such as 401(k) plans or traditional IRAs? Are they concerned about the potential impact of increasing income tax rates on distributions from these retirement plans? If so, they may be interested in paying income taxes now and creating a potential source of tax-free retirement income. Start Selling ING IUL-Global Plus: S.O.L.A.R. Insurance Arrangement for Qualified Plan Rescue This new flyer (#160177) is available on ING for Professionals and the S.O.L.A.R. micro site, and for personalization on the ING Life PromoCenter.
Lincoln Benefit
Facts of Your Life Booklet
Here is a fillable version of our most popular consumer piece, Facts of Your Life , as well as a sample Facts of Your Life prospecting letter. This booklet is a powerful tool that can be utilized by your agents to identifying areas of opportunity with their customers, such as needing new or additional life insurance coverage. If you would like to place an order for these no-cost booklets, please contact our President's Club, 877-525-7827 or lblstar@allstate.com.
Protection + Growth = Index UL
Industry expert Sheryl Moore explains why indexed universal life is drawing more and more attention. Click here for more information.
Lincoln Financial
Opportunities Up. Prices Down. It's a Buy.
There’s no better time to generate new sales. Rates for affordable, convertible, guaranteed Lincoln LifeElements Level Term protection are at an all-time low! Here’s an idea to help you expand market share with business owners. Read more
Life Insurance for All Stages of Life
At Lincoln Benefit Life, we value what matters to you and your customers. Through a series of videos, it's clear to see how life insurance can work for a variety of customer needs. Watch to see how Ray helps his customers protect their families, preserve their estates, and supplement their retirement income.
Protecting families
Preserving estates
Planning for retirement
Protective Life
Upcoming Organizational Changes
Over the last two years West Coast Life and Protective Life have focused on becoming a leader in permanent life insurance. With your support, Protective and West Coast collectively has become one of the industry's top 15 largest sellers of universal life insurance, and we've established ourselves even more clearly as one of the leading life brokerage sales organizations in the business. We sincerely appreciate all of your efforts throughout this transition, and we look forward to continued sales growth as we work with you in the future. Read more
West Coast Life
Upcoming Organizational Changes
Over the last two years West Coast Life and Protective Life have focused on becoming a leader in permanent life insurance. With your support, Protective and West Coast collectively has become one of the industry's top 15 largest sellers of universal life insurance, and we've established ourselves even more clearly as one of the leading life brokerage sales organizations in the business. We sincerely appreciate all of your efforts throughout this transition, and we look forward to continued sales growth as we work with you in the future. Read more
ExtendCare vs. Lincoln MoneyGuard Reserve Plus
West Coast Life LifeTime Platinum III with ExtendCare Rider vs. Lincoln MoneyGuard Reserve Plus (a Linked Life/LTC product). West Coast Life's ExtendCare Rider allows up to 100% of the death benefit to be accelerated in the event the insured becomes chronically ill and qualifies for the benefit. How is our LifeTime Platinum III with ExtendCare Rider different from Lincoln's MoneyGuard Reserve Plus? Let's Look at Some of Our Key Competitive Advantages!
Catch the Big One With ROSCO!
It's never easy to tell clients that their premiums will be higher because of the number they see when they step on the scale. Whether your client is overweight, a smoker, or suffers from emphysema or diabetes, West Coast Life has an innovative solution for impaired risk clients that can make conversations like these a little easier. Read more
National Underwriter
IRS: Slump Hit Higher Earners' Retirement Savings
Americans who report more than $200,000 in annual adjusted gross income may also skimp on retirement savings when the economy tanks…Read more
Dodd-Frank: The Empty Seat
Republican lawmakers are questioning how well federal regulators can represent insurance interests in international negotiations without the Financial Stability Oversight Council having a voting member with insurance expertise…Read more
Feds Set RBC Rules for International Banking Organizations
Federal banking regulators plan to require large, international banking organizations to meet U.S. risk-based capital standards if those are higher than the Basel II RBC standards, or the Basel II RBC standards if those are higher than the U.S. standards…Read more
AAA Panel Supports Life Expectancy Projections Standards Project
Members of an American Academy of Actuaries work group say any new life expectancy projection guidelines should go through a formal Actuarial Standards Board development process…Read more
GAO: Qualified SERPs a Mystery
No one seems to know how many qualified supplemental executive retirement plans are out there or how the economic downturn has affected the plans…Read more
Product
MetLife
New Rates for MetLife's Guaranteed Level Term
Effective July 5, MetLife's Guaranteed Level Term product will be repriced with significant improvements in many cases. Click here for more details.
Term Conversion Plus Enhancements - Updated!
MetLife has extended the Term Conversion Plus Program through October 14 and lowered the eligibility criteria to $250,000. Click to view the updated Program Details or Producer FAQs.
Principal
Principal Universal Life Protector IV now available
Principal Universal Life Protector IVSM (UL Protector IV) replaces Principal Universal Life Protector IIISM (UL Protector III) on May 22, 2011. UL Protector IV is not yet approved in all states. For state availability, please refer to Principal eFinancial ProfessionalSM (www.principal.com/efp), or contact the National Sales Desk at 1-800-654-4278. There will be a 30-day transition period in which both UL Protector III and UL Protector IV are available. The transition period runs from May 23, 2011 to June 24, 2011. Click here for more information and marketing materials.
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