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What Life Insurance Can Do for You
 Many people instantly think of covering final expenses as a reason for

 purchasing life insurance. It is true that life insurance can provide death

benefit protection that passes to beneficiaries generally income tax free

and can be used to cover final expenses including medical bills, debts,

and the cost of a funeral. However, there are many ways that life

insurance can help while you're alive. The following are just a sampling of

 these "living benefits."

 

Accelerated Death Benefits for Chronic Illness

Most people know life insurance can provide financial security after the

death of a loved one. What many people don't know is that life insurance can help during another

difficult time as well - a chronic illness.

Read about how the Accelerated Death Benefit helped Mike's family.

 

Retirement Income

How much of your current annual income do you think you'll need during retirement? Social Security

 is a valuable source of retirement income, but it was never intended to replace 100% of a person's

income in retirement. Will you have enough?

 

Life insurance can be a vital part of your retirement income. Some permanent life insurance policies

contain valuable cash values that can be used to supplement your retirement income through loans

and withdrawals*. With certain types of life insurance, you can even decrease your death benefit or

increase your premiums up to specified maximums to build cash values that can help you enjoy

retirement.

 

Read about how life insurance is helping Ron and Monica.

 

Single Mom

Although it is commonly believed that life insurance is for families with children, life insurance is

valuable to the single adult as well. For the single person, life insurance can be used to provide

 funds for survivors who may be responsible for funeral expenses or other debts.

 

It is also important to purchase a policy as early in life as possible. It is more affordable to purchase

 a policy when you're younger, and buying a permanent policy now can help build valuable cash

values that can be used for future living needs.

 

Read about a solid financial footing for a mother and sons.
In This Issue
Earn $200 GIft Card This Week!!
Introducing Midland National
Life and Long Term Care Hybrid Product WIth Nationwide
Long Term Care Spreadsheet
New Rates On Metlife Term
Important Compensation Information From Transamerica
New Product From West Coast Life
American General Index UL
Sales Idea From Banner
Shaw American's
Great  Lineup of Life Companies:
 
American General
 A.M. Best A/S&P A+
 American National
A.M. Best A/S&P AA- 
  Aviva Life
A.M. Best A/S&P A+

 AXA Equitable

A.M. Best A+/S&P AA-
 Banner Life
A.M. Best A+/S&P A+ 
John Hancock
A.M. Best A+/S&P AA-
Lincoln Benefit
A.M. Best A+/S&P A+
Lincoln Financial
A.M.Best A+/S&P AA- 
Metlife Investors
A.M. Best A+/S&P AA- 
Midland National
A.M. Best A+/S&P A+ Nationwide
A.M. Best A+/S&P A+ 
North American
A.M. Best A+/S&P A+ 
Prudential
A.M.Best A+/S&P AA- 
SBLI (Savings Bank Life Of Mass)
 A.M. Best A+/S&P NR
Transamerica
A.M.Best A+/S&P AA- 
United of Omaha
A.M. Best A+/S&P AA-
West Coast Life
A.M. Best A+/S&P AA- 
Genworth
 A.M. Best A/S&P A
ING Life
A.M. Best A/S&P A

 

Only 5 Months Left To Qualify For Great Awards!

Qualifications Based On 1035 Rollover or Lump Sum Cases.

 

Cruise Ship
iphone
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Itouch
Digital Video
CobraDriver

 

 

Earn a $250 Home and Garden Gift Card With Your Next Term Application!

Now Earn Extra Money When You Use The Shaw Assist Form For

Your Banner Applications $1000 Premium or more!

  
   Electronic Term Apps
  
All you need to do is get this one page Shaw American App Assist Form completed and fax or email it back to Leeann Dever at Shaw American.
  
 No need to visit the client for signatures!  No more missing forms or unanswered questions! 
  
A Company Representative will call your client on your behalf and complete the application over the phone  for electronic submission. Shaw American will ensure that all forms will be completed and all questions are answered in full detail.

 

Doing business with Shaw American just got even easier! 

 
Introducing Midland National

Midland National - Since 1906

Strength

Midland National's story is a classic example of American perseverance and ingenuity. Founded in 1906, Midland National has survived two world wars, the Great Depression, the Dust Bowl, and multiple recessions. Now with over 100 years under its belt, Midland National holds over 1 million life insurance and annuity policies with assets of over $26 billion.

Stability

As a private, employee-owned company*, Midland National is not subject to the short-term earnings pressures that publicly held companies often face. We are a company with plans to perpetuate itself for hundreds of years, not the next quarter or fiscal year. We focus on the long term. We focus on you.

Ratings

Midland National consistently earns high ratings.

  • A+ (Superior) from A.M. Best
Long Term Care Insurance Option
The Nationwide®LTC rider adapts to your clients' needs

You can't predict your clients' future healthcare needs. But you can help them manage long-term care expenses with the Nationwide long-term care rider, available on select permanent life insurance policies.

This versatile rider includes:
  • An indemnity-style plan. We send policy owners a check each month for their qualified expenses -- without them having to submit bills or receipts.
  • The flexibility to use excess funds to pay such things as prescriptions, medical bills, home safety improvements, home cleaning or home maintenance
  • The choice to cover long-term care expenses if they're needed -- or to pass the benefit on to their family if they're not
  • A planning solution for couples in the event that one spouse is uninsurable
Give your clients confidence
With the long-term care rider from Nationwide, you can help your clients face the future with confidence.

 

 

 

Shaw American can provide you a spreadsheet to compiare all Long Term Care options, from traditional plans, single premium plans and UL with LTC rider.

Check out this Long Term Care Comparison Worksheet! It Compares Different Logn Term Care Options For Your Client! We would Love To Setup A Webex To Discuss Some Different Sales Ideas With YOu Regarding These Products!

Contact our marketing team today learn more about Nationwide's Long-term Care rider 502-583-5527 option 5!

 
New Rates for MetLife's Guaranteed Level Term
 
From MetLife: "Effective July 5, 2011, MetLife's Guaranteed Level Term product was repriced." 

 

Caution: While some cells will show a decrease, other cells may show an increase. 

 

Important Transition Dates: 
July 4th -- Last day for applications to be signed and dated to receive old rates. 
August 4th -- Last date for applications signed July 4, 2011 or earlier to be received in good order in MetLife's Home Office to receive old rates. IN ORDER TO MEET THIS DEADLINE, PLEASE HAVE YOUR APPLICATIONS INTO THE Shaw American Office. BY AUGUST 1, 2011 FOR PROCESSING.

 

To see how your applications might be affected or to get a new illustration, please call a member of our Life Marketing Team at 800-626-5888 option 5

 

An Important Reminder from Transamerica: Producers Need to be Set Up on EFT
 


From Transamerica: "As a reminder, please register for Electronic Funds Transfer (EFT) by printing out the Auto-Pay Authorization Form and faxing to the licensing department at 888-329-7429


For more information email Jeremy Combs ext 274

NEW FROM WEST COAST LIFE: OneStep Life with Initial Premiums 25% Less

From West Coast Life:

 

We are pleased to introduce "West Coast OneStep Life," a flexible-premium universal life insurance product that offers initial premiums 25% less than other guaranteed universal life insurance product options (based on underwriting class).  OneStep Life provides a lower entry-level premium concept to guaranteed death benefit coverage. Consumers pay lower level premiums for the first five policy years which will increase in year 6 to higher guaranteed level premiums and remain level throughout the selected lapse protection duration of the policy." 

 

Click here for the OneStep Life microsite for more product details and sales ideas.

 

Questions? Call a member of our Life Marketing Team at 800-626-5888.  Click here for a sample illustration!

American General's AG Choice Index GUL


From American General: "AG Choice Index GUL provides the universal life guarantees your clients expect with cash accumulation features they desire." 

 
  
Questions? Call a member of our Life Marketing Team at 800-626-5888

A Sales Idea from Banner: Term Riders "Ladder" Coverage for Needs that Decrease Over Time

From Banner: "Level term plans can often be 'laddered' to address the different time horizons associated with different elements of the need for life insurance. For example, a 10 year plan for the college funding costs of teenagers, a 20 year plan to retire a mortgage, and a 30 year plan for income replacement. This strategy lowers the overall cost of initial coverage and helps the client buy the right initial total face amount."*

 

Click here for Banner's microsite on this sales idea. 

Questions? Call a member of our Life Marketing Team at 800-626-5888

URGENT UPDATE: EMPLOYER-OWNED LIFE INSURANCE (EOLI)

KNOW THESE RULES!

 
PLEASE REVIEW THESE GUIDELINES. YOU MUST KNOW THESE ISSUES WHEN YOU SELL ANY BUSINESS ORIENTED LIFE INSURANCE. 
 

From AXA Equitable: "Employer-Owned Life Insurance (EOLI) affects many common uses of life insurance. A common misconception is that EOLI affects only nonqualified benefit plans using Corporate-Owned Life Insurance (COLI). In addition, changes have been made to forms and related procedures."
  
While some insurance companies may ask for disclosures, many do not and push this back to you, the financial advisor. IF THESE RULES ARE NOT FOLLOWED, THE DEATH BENEFIT CAN BECOME TAXABLE!