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June Workshops
ALB &
American General present -
"The In's n Out's of IUL"
Wednesday, June 13, 2012
Bedminster, NJ
Tuesday, June 19, 2012
Eatontown, NJ
ALB &
Nationwide
present -
"Case Studies"
Thursday, June 21, 2012
Bedminster, NJ | |
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Atlantic Regional Life & Health Underwriters Annual Sales Conference & Exhibition
May 7- 8, 2012
Tropicana Casino & Resort
Atlantic City, NJ
Be sure to come by and see us at our booth! | |
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The Difference
We show you how to sell,
not what to sell! | |
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Anti-Money Laundering Requirements
Bulletin | |
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ATTENTION!
ACTION REQUIRED
Please see important information regarding AML Training.
Compliance UPDATE | |
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Advanced Sales Center
Take Proactive Steps Now in 2012
CLICK! | |
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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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Reward Your Healthier Cients with Upgrades to a Better Class - even Preferred or
Super Preferred
New and Improved HEALTHSTYLES | |
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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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Increased Premiums for GUL Survivor Product
Mutua of Omaha will be increasing premiums for its GUL Survivor on May 1, 2012
Click Here for transition rules and dates |
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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 - Monday, May 28th - Memorial Day
YOUR ALB TEAM
Front left -
Bernie Connell - Underwriter
Janet Stumpf - Contracting & Licensing
Merin Powell - Case Manager
Jill Kinahan - Case Manager
Michael Inserra (not pictured) - Broker Services Specialist
Back left -
Mark Milbrod - Sales Vice President
Pam Broast - Marketing / Contracting & Licesning
Lori Ayers - Senior Case Manager
Millicent Hopes - Case Manager
Jeff Ridge - Case Design
Michael Milbrod - IT Department
It's not about the player,
it's about the team!
We have been pretty busy in the field telling the ALB story. We talk about the areas that make us who we are...The Business Partner You've Been Looking For. But behind every story is the team to back it up. We feel that the team we have assembled is second to none in terms of what we can provide to you.
Whether it's our Brokerage Support Specialists, Case Managers or Underwriting Staff, we strive for excellence everyday. We know that there are other General Agencies vying for your business, but we know that if we don't deliver, our relationship will be short lived. And that's not what we are looking for. We have to earn your business every day.
This month we wanted to highlight the team pictured above. These are the people that are behind the scenes providing you with the service that you have grown accustomed to.
ALB is your one stop shop for life insurance, annuity, LTC and disability products. By providing support both internally and in the field along with our experience, expertise and dedication, we can help you significantly increase your business. We are constantly bringing sales, marketing and educational information to the field through our monthly newsletter, seminars and workshops. Experience the difference and why we have been proven to be successful with the brokers working with us.
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"hOW tO
WOO
yOUR cLIENTS"
After this seminar, you will...
* Identify at least 3 new areas to approach clients
* How to close more sales
* Learn to work effectively with centers of influence
* Be busy for months to come
BRING A SALES IDEA TO SHARE
WITH THE GROUP.
BEST SALES IDEA WINS A PRIZE!
Wednesday, May 23rd
9:00 - 11:00 AM
WHERE: Sheraton Eatontown Hotel
6 Industrial Way East
Eatontown, NJ 07724
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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Have you heard about the Newest Life Insurance product to be introduced to the industry?
CLICK HERE | |
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PruLife Index Advantage UL
(Advantage UL)
is the latest addition to their robust portfolio of protection products, and their first indexed universal life offering.
(will be available May 1, 2012 in approved states)
Call ALB for more info! | |
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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
GET THE DETAILS NOW! | |
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Wellness for Life
Customers are saying that Wellness for Life is a different and valuable solution. This spring, AVIVA is launching a new ad campaign aimed at telling the AVIVA story, and help
you
STAND OUT FROM THE PACK.
2012 Campaign | | |
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2012 Underwriting Niches
&
Advantages
What sets AXA Equitable's Underwriting apart from others in the industry? Is it high retention, Good Health Credit Program, experience?
It's all the above! | |
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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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News You Can Use
New Business & Underwriting
New Annual Premium Limits for GDBUL2 / GDBUL2*NY:
informal applications need to be formalized by Friday, April 27, new business applications received after April 27 will follow the new premium limits, updates are also noted for New York specific cases
https://www2.ing-usa.com/stellent/public/5095479.pdf
ING TermSmart and TermSmart*NY Rate Changes:
ING Presents will only show the new rates as of April 30 / Final underwriting and administrative forms must be received at our service center by June 1 / The last day for the term products to be issued with the old rates is June 15 / Of note: As of March 28, 2012, the new rates placed us within the top 5 (out of 11 carriers) on 10, 15, 20 and 30 year term and within the top 2 (out of 4 carriers) on 25 year term in over 50% of 3,180 pricing cells
https://www2.ing-usa.com/stellent/public/5095691.pdf
Easier New York Replacement Process Coming Soon:
https://www2.ing-usa.com/stellent/public/5095786.pdf
Contracting & Compensation
Reminder - Licensing & Appointment Requirements Affecting Override Commission Payments: this relates to sales in Florida, Georgia, Massachusetts, Montana, New Mexico, Virginia, and Puerto Rico and required non-resident license/appointments. Anyone receiving compensation in these six states and Puerto Rico must be licensed as an insurance distributor and/or appointed at the time of solicitation and commission payment in order to receive their compensation
https://www2.ing-usa.com/stellent/public/5095729.pdf | |
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Transamerica Makes Changes to TransACE Survivor Product
The rapidly changing regulatory environment has necessitated some revisions to Transamerica's second-to-die UL product.
Effective June 1, 2012 TransACE Survivor will be revised as follows:
- Premiums will increase across all age groups and risk classes
- The maximum face amount will be capped at the company retention limit and will also take into account in-force Transamerica coverage on the proposed insureds
- Targets will increase and the renewal compensation schedule will be shortened.
CLICK HERE
for a full list of revisons
as well as important dates and deadlines | |
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Commonly asked ownership questions about Lincoln MoneyGuard Reserve
PAMPHLET | |
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Principal Universal Life (UL) Flex
Overview | |
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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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