Reminder: Join Transamerican at 2 pm EST today (Nov. 9th) for a short webinar on business succession planning.  Register now.

Wow!  Transamerica has added a new, no-cost feature to their survivorship plan that gives policyholders the flexibility to execute a built-in exit strategy, with a return of up to 100% of premiums paid.  This is a tremendous value-added for those consumers that need estate planning but might have been procrastinating due to the uncertainty of estate tax laws.

More than 70% of all people over the age of 65 will need long term care at some time in their lives.  Lincoln National has introduced a consumer campaign to bring public awareness to Alzheimer's and the need for LTC planning.  Encourage your clients to visit www.myconfidentfuture.com/long-term-care to become better educated on the statistics and costs of long term care.  It's a great way to open a dialogue with them for products such as Lincoln's critically acclaimed MoneyGuard.

The online quote request functions on our website have been updated and are working great!  Or, contact Jeff Darnell at ext. 225 for U.L. quotes and impaired risk questions, or Julie Adams at ext. 233 for term quotes.

The first question in a potential annuity sale should be to ask of your client's ultimate goal, ie: ongoing accumulation or the eventual use of the money for income.  For those clients that plan on using the money for income at some point, we have the perfect, easy-to-understand lifetime income product:

Introducing Standard's new Protector Platinum product:

• Guaranteed Renewable
• No mental nervous limit
• True own occ
• Partial or residual disability
• Recovery period extended for length of benefit period
• Compassionate Disability Benefit
• Automatic increase rider...up to 4%
• 3% or 6% COLA rider with Future Purchase Option rider
• Catastrophic and Non-Cancellable riders

Join us for our 20-minute webinar, Avoid Underwriting Pitfalls, Thursday, Nov. 18th, 3 pm EST.  Register today.

Contact Steve Crowe at ext. 222, Ellen Crowe at ext. 223 or Shannon Huddleston at ext. 234 for quotes, tools and sales strategies.  Please also try our online quote request tool.

Would you like to get paid three times on each potential 30 year level term sale?

$250K of 30 year term on a M-45 Preferred Best is $48.10 per month.  The commission is $40.89...$490 over the first 12 months.  And, no renewals are paid on term sales.

$250K of West Coast Life's ModLife guaranteed UL is only $66.80 per month for the first five years.  With ModLife, first year commissions are paid throughout year two, until Target is reached.  In this case, two full years of premiums are commissionable for a total comp of $1,442 paid over the first 24 month, plus ongoing renewals!

One-half of all term sales are really for a permanent need.  ModLife is perfect for them...low premiums for the first five years, premiums then stair-step up in years 6 - 10, and level off in year 11.  ModLife's premium structure is great for young couples or someone starting a new business...anytime cash-flow is short now, anticipating better cash-flow in the future.

For your term sales that are really permanent need sales, sell-up to ModLife and triple your comp!