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Current Carrier Product Repricing
&
Product Changes
Protective Life Insurance
New Protective-T Universal life rates on July 30, 2012
Click here for more info!
Principal Financial Group - Effective July 23, 2012 - Adjustments to Principal Universal Protector IV - Click Here for Transition guidelines
Transamerica - Effective June 8, 2012 - Suspended sales of TransACE Survivor 2010 (including the June 2, 2012 edition) -
SEE ATTACHMENT
Transamerica -
THE TRANSTERM PORTFOLIO WILL BE PHASED OUT AND TRANSAMERICA IS PROVIDING A 90-DAY WINDOW FOR SALES. ALL APPLICATIONS FOR TRANSTERM MUST BE RECEIVED IN THE HOME OFFICE BY CLOSE OF BUSINESS
SEPTEMBER 15, 2012. | |
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Workshops
"How to turn LTC Riders into Sales"
August 15, 2012
9 - 11 am
October
Symposium!
Watch for Details! | |
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The Difference
We show you how to sell,
not what to sell! | |
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More Competitive Than Ever: TransACE with the New Long Term Care Rider
CLICK HERE |
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Credits for Healthy Living
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Introducing MetLife Provider Universal Life
(Effective 6/25/12)
CLICK! | |
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A-LIST TERM
Individual term life for organizations that already have group term plans. Carve out the executives, partners and employees who earn more than $50,000....and show how A-LIST TERM can save money and improve benefits. |
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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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Re-Introducing Protective Survivor UL
Effective June 25, 2012, Protective Survivor UL
will replace the
Protective Centennial Survivor G UL product.
Go here! |
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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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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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A Message from
Mark Milbrod, CLU
Gold, Silver or Bronze -
Where will you finish?
With the games in full swing, we are all in Olympic mode. I am truly addicted to watching as much as I can and can't seem to get enough of it. There's something to be said for excellence and the drive and dedication that goes into the lives of the athletes. As sales people, we should be inspired by what we see. In our daily lives, both personally and professionally, are we doing all that we can to strive for that excellence and make us the best in what we do.
What tools are you using to bring you to the Gold Medal Platform and making you the best you can be? At ALB, we act as the coach, motivator and the trainer, so that we can get you to where you want to be. Through our extensive resources, we have helped many of you close sales and break into new markets. We have conducted various workshops, offered point-of-sale assistance and have brought you unique solutions to your clients needs.
In the months ahead, we are dedicated to bringing you more tools so that you will have the ability to close out your year on a strong note. We have just updated our website to give you more access to quoting engines, enhanced our field underwriting tools and added a breaking news section. In addition, we have launched our new Blog, MARK'S BARKS, which we urge you to follow.
On August 15th, we are having a Workshop that will cover one of the hottest product innovations, Long Term Care Riders. These riders have been the catalyst for a number of very large recent cases written through ALB. The key to effectively using the rider are the number of sales opportunities that arise from them. After the Workshop, you will have a better understanding of its proper use and how to apply it in real-life scenarios. Obviously, we don't want to give too much away, but it is definitely one you don't want to miss.
In October, we are also planning the first in a serious of Sales Symposiums. At this meeting we are planning an event that promises to bring you a line up of great speakers, knowledge and expertise that will surely expand our footprint and show you how ALB can get you to make you the best at what you do and bring you to your Gold Medal Platform. |
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Eclipse Survivor Pro
Product Highlights
Beginning August 2012, Eclipse Survivor Pro, Minnesota Life's newest indexed survivorship product, fills a unique niche in the industry. As a second-todie, protection focused policy, it covers two people with a death benefit payable after the death of the second insured, while providing lifetime protection at an affordable price.
This product also features their new Performance Death Benefit Guarantee Agreement, which either extends the guarantee, or if the client chooses, lowers their premium, due to strong performance in their selected index accounts.
Read More | |
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Make the Underwriting Process Easier?
Challenge Accepted!
With the elimination of MD Exams
underwriting just got a lot easier!
Click Here | |
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TruTerm with Customized Protection....
that's Simple, Affordable and Flexible.
TrueTerm now offers a level term period anywhere from 10 through 30 years. And with the new Primary Term Rider, customers can add up to an additional 5 targeted layers of life insurance protection to maximize coverage and manage costs.
Get the details | |
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1 out of 3 Adults are Obese
According to the Centers for Disease Control (CDC), more than one-third of U.S. adults are obese. *While the obesity epidemic in America should not be taken lightly, it does not have to be a barrier to insurability. With Genworth's liberal build criteria, your clients who might otherwise be considered obese may qualify for preferred rate classes. | |
COMPARE FOR YOURSELF
| | *U.S. Department of Health and Human Services; Centers for Disease Control and Prevention National Center for Health Statistics NCHS Data Brief No 82 "Prevalence of Obesity in the United States" January 2012 |
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Universal Life
New! ING Universal Life-Guranteed Death Benefit - IS HERE!!!
Get all of the details in this bulletin
Check for State Approvals
ING UL-GDB has been filed in all jurisdictions, except NY. | | |
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Advantage Builder IV now available in Massachusetts
Advantage Builder IV is an indexed universal life policy with an optional No-Lapse Guarantee Rider. Advantage Builder comes with the optional Wellness for Life� Rider. The Wellness Rewards your clients can earn with this rider can lower their NLG premiums in later years. Aviva offers the only products in which NLG premiums can actually go down!
Transition Guidelines
August 13, 2012:
Last day applications can be signed to receive previous version of Advantage Builder.
September 3, 2012: Last day applications can be received in the Home Office to receive previous version of product. | | |
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Athena Indexed Universal Life
View product enhancements | |
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Trendsetter Super and Trendsetter Express.....
what is the difference you ask?
Let's start with some of the great features offered on BOTH:
- LOW face amount of $25K
- Policy Fees are Commissionable
- 10,15,20, 25 & 30 year products available
- Non medical bands (see product details)
- TOP program (up to $1M of coverage - No Labs)
- Discounted Premiums for Advance Payments
- No-cost Income Protection Option endorsement available
- Waiver of Premium Rider
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Underwriting advantages
for
foreign national clients
When you work with the foreign national market, choose industry-leading underwriting to help you get the job done.
Here's 5 ways to qualify foreign national clients with Lincoln
You'll enjoy value and customer-focused service
See Coverage Capabilities | |
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Wealth Transfer Opportunity
Principal Universal Life Protector IV is ideal for guaranteeing coverage for a client's lifetime and leveraging low-cost premiums into a significant legacy. | |
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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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| Promotion Name | |
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
Sharon Murray - Case Manager
Jeff Ridge - Case Design
Michael Milbrod - IT Department |
| Promotion Name | |
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) 756-9800 Ext. 120
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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