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Term Life Insurance
Effective March 19, Principal is reducing rates in the majority of targeted markets. To assist the transition, please see
Transition Guidelines | |
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ATTENTION!
ACTION REQUIRED
Please see important information regarding AML Training.
Compliance UPDATE | |
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Selling on Simplicity
Customers don't have to be savvy investors to benefit from the growth potential of the markets. Show them how Ultra Index's straightforward design helps them get the right balance of life insurance protection and growth.
Click Here | |
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Protective Life's Secure-T rates have decreased by as much as 20% in some risk classes!
More! | |
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Today's people with special needs live full lives, often beyond their parents and guardians. Many qualify for governmental benefits and other assistance. But there are strict eligibility rules and no guarantee these resources will be available throughtout life.
Read More |
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Protection UL
(Now available in New York)
Experience the Ultimate in
Design and Performance
For information on the transition dates for Performance UL as well as a chart of
Protection UL premiums in comparison to a
guaranteed UL, please
read the attached PDF. | |
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Pennsylvania
Lincoln Long-Term Care
Products
March 2012 Reminder
Licensing
&
Appointment Bulletin |
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Today's people with special needs live full lives, often beyond their parents and guardians. Many qualify for governmental benefits and other assistance. But there are strict eligibility rules and no guarantee these resources will be available throughtout life.
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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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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Office Closing - Friday, April 6th - Good Friday
A Message From
Mark Milbrod
TAX RETURNS
YOUR VERY BEST PROSPECTING TOOL
Guess who's back? It's that favorite Uncle of ours and it's time for our favorite time of the year....TAX SEASON.
We are waist deep in tax season and what better time to remind ourselves of the countless sales opportunities that arise out of this time of year. The best part is that with the focus on taxes, all of our clients are aware of all of the things that effect their financial lives. Whether it's retirement plan contributions, annual gifts, charitable contributions, etc., it is all fresh in their minds. From just the few items listed, I'm sure a few sales opportunities come to mind.
In fact, a tax return is probably our best sales prospecting tool. As financial professionals, where else can you get a roadmap that leads you directly to all facets of someone's finances. In terms of centers of influence, namely CPA's, all of this information is fresh in their heads as well for all of their clients.
Wouldn't it be great...
- If there was a simple turn-key approach that can show you how to talk to your clients about their tax returns and turn that into revenue?
- to have a platform that you can easily approach CPA's with and enhance your current relationships?
- to have a platform to approach new centers of influence?
- to greatly increase your sales revenue for 2012?
This month, ALB invites you to attend our workshop designed to answer YES to all of these questions. The timing of this workshop couldn't be better. As the filing deadline approaches, and all of this information is fresh in everyone's head, you will walk out of the workshop with a tested approach that will undoubtedly keep you very busy in the coming months.
ALB Worskhops -
The difference -
We show you how to sell,
not what to sell!
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APRIL WORKSHOP
Be our guest for a FREE
"Using Client Tax Returns to discover
Their Planning Needs"
After this seminar, you will...
*Understand why Exploring a Clients's 1040 is important
*Identify Planning Uncovered by Looking at Clients 1040's
*Know the Tools to Use
*Earn 1 CE Credit
BRING A SALES IDEA TO SHARE
WITH THE GROUP.
BEST SALES IDEA WINS A PRIZE!
Wednesday, April 18th
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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Important Colony Term UL Product Changes
Click Here to review the
Product Bulletin
Click Here for Transition Rules | |
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Introduces Secure Survivor GUL
This second-to-die insurance has options...
- Powerful guarantees and flexibility
- A new return of premium option
- Clients can manage their legacy without risk
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Introducing Aviva
Survivorship Builder
(Aviva Life and Annuity Company of New York is proud to announce the launch of an innovative survivorship universal life product.)
Click here for Details
Wellness for Life
What if your clients could save money simply by seeing the doctor?
Agent's Guide | | |
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Sales Idea
Deliver client solutions to advance planning objectives,
with higher early cash value by adding the
CVPlus Rider to the Athena UL, Athena Indexed UL
and the IL Optimizer� II policy. | |
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Introducing MetLife
Promise Whole Life 120
*Very competitive premiums
*Attractive long-term cash value
*Minimum face amount of $250,000
Click | |
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Retirement Planning
New! A Dynamic Duo:
IRAs/Qualified Plans and Life Insurance
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Experienced Underwriting for
Special Markets
There are a number of insurance markets and demographic groups that can be profitable prospects for your business, including foreign nationals, large cases, private pilots and professional athletes. Transamerica's Underwriting team understands these markets and how to accurately assess them for competitive pricing.
Learn More | |
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IRS Form 4506T-EZ
IRS Form 4506T-EZ is used to request an individual's tax returns and gives the IRS permission to send electronic tax transcripts directly to Lincoln within 24-48 hours of the request.
Using the 4506T-EZ will significantly speed up the underwriting process on cases where there is a financial underwriting question or discrepancy.
Producers, clients and underwriters will all benefit from the new process that will make it easy to obtain needed financial information fast and privately with no additional inconvenience to the client!
The 4506T-EX is a required formal application submission form and must be included with:
- All applications for Life insurance received April 16, 2012 and forward
- All applicants age 26 and above
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Field Underwriting Tips | |
Quality and accurate field underwriting begins with you.
Your cases will move through faster and easier by following a few simple steps in field underwriting:
Steps to Help Your Case Move Through Underwriting:
1) Complete the correct application for the appropriate product
2) Answer all the questions on the application. Please do not leave anything blank, crossed out or marked "N/A"
3) Complete all additional require forms and questionnaires as applicable
4) Complete this form for ALL NEW BUSINESS
5) When submitted payment with application, post dated, third party or employer checks will not be accepted
6) For face amounts of $100,000 and up, please inform your client they will need a paramed exam:
a) Set up the Paramed (ALB can do this for you)
b) Inform the client they will need to be able to provide their current and past medications including dosage
c) A blood test and urine test will be necessary
d) Please note the physician name (s) and phone number (s)
e) Please note any health conditions or family history about your client
7) Complete the necessary paperwork to determine if your client qualifies for table credits |
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"With Moderate Obstructive Sleep Apnea and at 66 years of age, John faced a challenge to be underwritten without a rating. Pru's favorable underwriting for those with Sleep Apnea who are compliant with their CPAP made all the difference. This allowed Pru to offer him Preferred Best rate class, which gave him the competitive rates he desired." Read 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....
"Like" us on Facebook
"Follow" us on Twitter
"Join" us on LinkedIn for daily updates that affect your bottom line.
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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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