• Lincoln National does not ask about family history of cancer for Preferred or Preferred Best rate classes
• West Coast will give Preferred Non-Tobacco rates after only 12 months of no tobacco use
• Genworth does not ask about family history of siblings for their Preferred rate class
• Pru will give Non-Smoker Plus rates for use of pipe, cigar, dippers or chewing tobacco 

Pru releases new term rates effective Nov. 2nd.  To hold current, lower rates applications must be dated prior to Nov. 2nd and received in the Home Office no later than Dec. 1st.  Call for complete details.

• 1 yr rates as high as 1.60%
• 3 yr rates as high as 2.80%
• 5 yr rates as high as 4.00% 

Please call for product details and to confirm rates as they can change daily.  Please review our Top Picks or use our rate/plan search tool. 

Income Annuities
Many retirees depend on investments or withdrawals from IRAs for income.  Both are chancy, and many people will outlive the available funds.

• SPIAs are a way to insure income just as your clients insure their house, cars, et al.
• To guarantee that basic expenses are covered
• And, still have access to the funds via new flex features

A 50/50 portfolio of SPIA and other diversified investments provides a 99% probability for income to last 30 years.  Please call for a copy of the complete article outlining the above, and other, income strategies.

Sales Tip 

Excerpts from Jeffrey Gitomer's Sales Caffeine.