Indexed U.L.
North American's IUL portfolio includes individual & survivor plans, moderate guarantees and lifetime guarantees, and they include an auto balancing look-back crediting option. They also automatically include the acclaimed Chronic Illness Rider at no-additional-cost.
Join us on Wed., Oct. 19th at 11 a.m. for a short webinar overview. Click here to register ... or
Watch this pre-recorded webinar to learn more about North American's IUL plans.
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American Equity
Assurity Life
AXA Equitable
AVIVA
Genworth Life & Annuity
Great American
Illinois Mutual
Lincoln National
MetLife
Mutual of Omaha
North American
Protective Life
Principal Financial
Prudential
Standard Insurance
Symetra
Transamerica
Union Central
United of Omaha |
For new term cases written and paid-for by December 31st, North American will pay a 10% bonus. That's a total of 100% on 30 year term and 95% on 20 year term. |
LTC, Group & Life Settlement Support |
Not familiar with the LTC, group or Life Settlement markets? We can partner you up with the experts. Give Jeff a call at ext. 225. |
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Greetings!
More often than not, does an introduction from one of your clients to a new prospect turn into nothing? See our Sales Tip below for two good suggestions. |
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Life Plans
Two important updates! Genworth introduced new 'term' rates effective September 19th. Some age/plan cells are lower, but some are higher. Applications for the 'old' rates will be accepted in the Genworth home office through close of business on Nov. 2nd. To get the 'old' rates an illustration must accompany the application or write the desire to use 'old' rates in the remarks/requests section of the application. West Coast Life is being transitioned into Protective Life, their parent. Protective is adopting the West Coast distribution platform, but retaining the Protective name for branding. The products under the Protective name are the exact same as the West Coast products: - No WCL applications will be accepted after December 1st
- No new WCL agent appointments are being made
- A streamlined re-appointment process is inplace to appoint WCL agents to Protective
- The new Protective Life apps and other forms can be accessed via our website
- The term & UL plans bearing the Protective name are now listed on our website Quote Engines
Please let us know if you have any questions regarding either of the above announcements. Request a quote online, call Julie at ext. 233 for term quotes, or Jeff at ext. 225 for UL quotes and impaired risk quotes. |
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Annuities
In less than 3 months, 10 year treasuries have dropped 1.5%.
Instead of locking your client into a record low multi-year interest rate, consider instead a tiered rate product, such as Genworth SecureLiving Independence product: - 6 year surrender charge
- First year rate of 4.2% (for $100K+ deposit)
- A second year guaranteed rate of at least 2.20%
- Rates in years 3 - 6 will be declared, but have a 2% guarantee
Call Jeff at ext. 225 or Julie at ext. 233 with questions. Also, click here for today's best MYGA rates. |
Disability Income
Reliance Standard's "SmartChoice" has big opportunities for the small group market: 
- Two lives or more
- Up to $50K of guaranteed issue life
- Up to $7,500/month guaranteed issue LTDand up to $1,500/week in guaranteed issue STD benefits
- Class carveouts
- 100% voluntary or contributory or employer-paid
- 90% of SIC industry classifications eligible
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 Sales Tip - Referrals
Excerpts from The Referral Coach, Bill Cates.
Have you ever received a note like the following from one of your clients? "I finally had the chance to tell George how great you were. Unfortunately, he didn't demonstrate much interest in your services. Sorry. I tried."
The number one reason why this happens is that the advisor and referral source don't spend much time talking about the introduction.
First, take the time to learn as much as you can about the  prospect. The more you can learn about the prospect, the more you can help your client craft the introduction approach. Then, discuss what your client is going to say and how that prospect is likely to respond. Example: "What do you/we need to say to George to get him to take my call?" "Would he take my call just because you ask him to or do we need to come up with an approach to hit his hot buttons?" "How do you think George will react to this introduction?
You have to have the confidence in yourself and the work you do to pursue this type of conversation. Not all introductions are created equal, so work to make yours strong. And, your clients need to feel confident in making the introduction. The more you talk through this with them, the more invested they get. |
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Thank you for your time and your business! |
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P O Box 26580
Indianapolis, IN 46226
800.543.7167 ext. 225
800.856-3494 fax
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