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ALERT!
Underwriting workshop (3/22/12)
to be announced first week in March.
Stay tuned! | |
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Underwriting Update
Effective 2/15/12, Principal will no longer require a treadmill stress test as a routine age and amount requirement. A resting EKG (electrocardiogram) will be a requirement instead of the treadmill. | |
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Protection UL 12 has launched effective February 8, 2012!
It still offers an unrivaled combination of low-cost premiums, cash growth potential and strong death benefit protection.
Key Features
- Low-cost premiums in a variety of funding designs, including limited-pay, full-pay, and single-pay scenarios
- Substantial no-lapse guarantee that often provides coverage to life expectency and beyond
- Strong cash values for future funding flexibility
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Rate Changes
Index Cap Changes on One Year S&P Index Cap Strategies & Credit Interest Rate Changes
See this bulletin for details.
Click here
to view the Q&A on these changes. | |
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If you're worried about
where caps are going
consider a company whose life insurance caps aren't changing for 2012. |
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Two new indexed options
Minnesota Life adds two new index options to the Eclipse Indexed Life Product Suite. These new additions offer more diversification and potential for higher interest crediting for indexed life insurance clients.
Read More | |
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Are you using
"Insurance Protection Options"?
See how you can increase your comp 2x, 3x, 4x or more
Click HERE
to see how! | |
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Don't miss the Non-Medical Wave
"Click Here" | |
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Great Reference
Tool....
Growth of Money at Various Interest Rate Assumptions
CLICK! | |
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Are you using Business Valuations to get to your small business clients?
For a helpful
Q&A | |
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Special Conversion Opportunity Extended for Protective Life and West Coast Life Term Policyholders
Go HERE
for more details. |
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Single parents have a lot of responsibilities
They face the unique financial challenge of caring for children while trying to meet their own needs. Show your clients how Term Life Answer offer an affordable way of protecting the future needs of their children.
View Flyer |
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Do you have any clients that have older age convertible term?
Don't miss out on the opportunity below!
Learn MORE | |
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Preliminary Inquiry
This is NOT an application for life insurance. Use this form as a preliminary evaluation to assist in determing insurability only.
Click Here | |
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Join Our List
Scan below to go directly to our Website
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A Message From
Mark Milbrod
Unlocking Hidden Cash for your Clients
Is it possible that your clients are sitting on cash they never knew existed? If they over age 60 and have a Convertible Term Insurance Policy, they just might.
Let's face it, if a client of yours has a convertible term policy and they are over age 60, the chances of you converting that policy is highly improbable. In fact, according to industry statistics, 98% of all term policies lapse. That's because most term policies were put in place for a temporary need and once that need expires, the policy will likely lapse. Subsequently, all of the premiums paid to maintain that policy disappear after the last lapse notice is thrown into the trash.
Under a special agreement we have with Institutional Investors, that same policy can now be purchased and can reimburse the policyholder for an amount equal to the sum of the premiums paid and in some cases, they can be paid well in excess of those premiums paid.
So, if you have clients:
- That are Age 60 and older
- That have a convertible term policy
- That were originally issued at a Standard or better rate class
- That have had a negative change in health since that policy was issued
- That have policies with face amounts between $100k and $500k
There is an opportunity to have the policy evaluated to see if they qualify for this program. There are no reviews of medical records or a need for third party Life Expectancy Reports. In fact, with a simple questionnaire and brief phone interview, you can find out in as little as 72 hours if their policy qualifies.
This is a great way to get in front of some of your existing clients and possibly put some money in front of them that they never knew existed. This can possibly lead to new additional sales for you, but, most importantly, make your clients aware of a unique opportunity as their advisor.
Although there is no compensation paid to you for the "Cash for Term" transaction and the client receives all of the funds, you do make First Year Commission on the Term Conversion.
This is also available for term policies with face amounts over $500k, but for those transactions Medical Records and Life Expectancy Report s may be necessary.
This is a unique opportunity that is worth looking into.
For full details, please contact us to find out how to possibly Unlock Hidden Cash for your Clients!
ALB Worskhops -
The difference -
We show you how to sell,
not what to sell! |
MARCH WORKSHOP
Be our guest for a FREE
"Multi-Generational IRA Planning with Life Insurance Seminar"
After this seminar, you will...
*Identify the candidate your looking for
*Understand IRA planning strategies that use the benefits of life insurance
*Enhance the legacy you can create for your clients
*Earn 2 CE Credits
We look forward to providing you with the people, products and services that have become the hallmark of Protective Life's reputation.
Wednesday, March 28th
9:00 - 11:00 AM
Seating is limited so please reserve your spot as early as possible.
Contact: Pam Broast
(908) 756-9920
pbroast@associatedlifebrokerage.com |
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Nationwide YourLife�
Indexed UL
In additional to offering death benefit protection, YourLife Indexed UL was designed to give clients the potential for cash value accumulation while protecting them from market-based losses.
Click here
for more information | |
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Indexed UL
MORE INGREDIENTS
ENHANCED FLEXIBILITY
Now Offering Clients More Options:
- NEW Automated Transfers - a stragegy that helps reduce exposure to market volatility
- NEW Great Loan Flexibility - with Standard and Index Loans
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THE IDEA
Distribute Your Estate Equitably
THE NEED
A goal of many estate plans is to pass along assets equally to children. While this is most always possible, it may not always be practical. Some situations make it extremely difficult to divide the estate:
- What if the estate owns a business and not all the children are able, or desire to, own and operate it?
- What if there is a residence, but only one child would like to live there?
Sometimes, assets can't be divided to match the estate plan. What do you do?
USE WITH
- Families with multiple children
- Estates with larger non-liquid assets
SOLUTION
GUL Complete
- Leverages premium dollars for maximum death benefit
- Age Last Birthday advantage
- Premium payment period can be designed to match client's situation
- Guaranteed coverage available up to age 120
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Lifetime Builder III
(Now available in Pennsylvania) | |
As an indexed universal life product, Lifetime Builder's cash value can earn interest based in part on the upward movement of a stock market index, while providing guaranteed safety against market downturns. It is designed for cash accumulation and retirement income, and provides the highest target premiums of any Aviva product.
Click here!
AVIVA Surivorship Builder
Survivorship life insurance is not just for estate taxes anymore!
Click here
for enhancements, state approvals & transition schedule | |
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Sales Idea
Deliver client solutions to advance planning objectives,
with higher early cash value by adding the
CVPlus Rider to theAthena UL, Athena Indexed UL
and the IL Optimizer� II policy. | |
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MetLife
Promise Whole Life 120
(New Product coming March 5th!)
Call us for more details! | |
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High Five for 5% More!
(5% More Commission. 5% Higher Participation Rate.)
ING Indexed Universal Life-Global & ING Indexed Universal Life-Global Plus - Both issued by Security Life of Denver Insurance Company
Make 2012 your Indexed UL sales year to remember!
Learn how your clients can capitalize on a:
- Floor guarantee along with upside interest potential.
- Hindsight indexed crediting strategy using only a portion of the "Best Two-out-of-Three" indexes.
- 5-year point-to-point that potentailly helps to reduce volatility associated with year to year index changes.
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"2012 Tax Facts at a Glance"
Handy 2012 guide includes
income, estate and gift tax rates.
You can also find information on Qualified plans, IRA's and more.
TransACE Product Update
Look Here! | |
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Available in New York on February 27,2012: Re-priced PruLife Univsal (UL) Protector and PruLife SUL Protector! The repriced PruLife SUL Protector and PruLife Universal Protector are more attractive than ever. These compelling products give your clients appealing option: |
- Price - Rates are top quartile up to age 65 with UL Protector, and up to age 70 with SUL Protector, especially with our Age Last Birthday (ALB) Advantage.
- Lifetime Guarantees - We remain committed to the No-Lapse Guarantee (NLG) marketplace, even as other companies are exiting or raising rates.
- Attractive single-pay options - No limitations or restrictions.
- Age Last Birthday (ALB) Advantage - Rates are based on your clients' age last birthday, not their next or nearest birthday. We're one of the few insurance companies able to offer this unique feature to our applicants.
- Exceptional Capacity - Especially with SUL Protector, we can offer $35 million retention and $65 million automatic issue limit on most second-to-die policies and facultative capacity of up to $100 million with SuperPool access.
For the transition rules, please click here. |
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Disclosure
Not all products approved in all States, please check State approvals. | |
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Your Comments
Email your questions and comments to our Marketing Communications Mailbox
Click Here | |
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DON'T FORGET....
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Call today to speak with one of our Case Consultation Specialists for information on these and other sales opportunities and see why ALB is The Business Partner
You've Been Looking For.
Mark Milbrod, CLU
Associated Life Brokerage, Inc.
135 Route 202/206, Suite #7
Bedminster, NJ 07921
info@associatedlifebrokerage.com
(908) 756-9920
Associated Life Brokerage, Inc., is a full service General Agency located in Bedminster, NJ handling your Life Insurance, Annuity, Long Term Care and Disability Income needs. We provide independent insurance agents with a comprehensive platform that includes, Expert Case Consultation, Premier Underwriting Services and a Fully Dedicated Case Management Team. With over 100 years of collective experience in advanced case design and underwriting, we are dedicated to giving you the tools you need to significantly increase your revenue. |
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