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Social Security Maximization:
A Sales Idea from
John Hancock Advanced Markets
From John Hancock: "Affluent clients nearing retirement (or already retired) may realize that they do not need their social security income. They have saved enough money for retirement with other assets. These clients can use their social security to fund a life insurance policy. This way, they can potentially increase the amount of wealth they will transfer to heirs."
Social Security Max Fact Finder
Social Security Max Sales Strategy
Social Security Max Success Strategy
Social Security Max Client Profile
Transamerica's New Line-Up:
TransACE,TransACE Survivor, and Real Time Pricing
TransAce 2013: Click on link for product bulletin, state availability and Quick Facts
Questions? Contact a member of our Life Marketing Team at
(800) 626-5888 Option 5.
Important Ongoing Reminders:
Shaw American Financial
830 S 2nd St
Louisville, KY 40203
Ph: (800) 626-5888
Fax: (888) 329-7429
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In This Issue
Lunch Meeting
Select-a-Term Rate Change
AG 38 Update
Tax Relief 2012
Guaranteed Issue Corner
Social Security Sales Idea
Transamerica's New Line-Up
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Sign Up today to attend our first meeting of the year at Standard Country Club on Wednesday, February 13, 2013 from 11:45-1:00 eastern time.
We will have: Richard E. Kait, JD, LLM, CLU, ChFC, who is Second Vice President, Advanced Sales, and Director of Premium Financing for Protective Life.
Topic: "Reviewing Buysell Agreements after the Fiscal Cliff and 2013 Tax Reform".
This includes a Free Lunch and CE Card. |
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Start 2013 with a Bang! Announcing New, Lower Rates on American General's Select-a-Term
From American General: "American General is pleased to announce premium rate reductions up to 9% in nontobacco classes for AG Select-a-Term. With this reduction, we are in a market-leading position for 20-, 25- and 30-year term nontobacco classes for face amounts of $500,000 or more.
NOTE: American General is also making changes to "a few of its Preferred Class criteria." These changes only apply to their Term plans. Universal Life plans will continue to use their existing Preferred Class criteria.
Click here for more information on lower rates, including state approvals and transition rules.
Click here for more information on underwriting changes.
REMINDER: Click here for more information about American General Term Compensation Changes affecting policies issued with policy effective dates on or after January 14, 2013.
Questions? Contact a member of our Life Marketing Team at
(800) 626-5888 Option 5. |
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2013 AG 38 PLACEMENT DEADLINES:
PROTECTIVE: IMPORTANT REMINDER FOR THOSE WITH APPLICATIONS STILL IN UNDERWRITING: As of December 31, 2012, Protective Life discontinued new sales of the Protective Secure-T (it's term-like UL product), Centennial G II, Centennial G II Plus universal life products as well as the Survivor UL.
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Mutual of Omaha's Take on the American Tax Relief Act of 2012
"On January 1, 2013, Congress approved a new law to avert the some of the concerns surrounding the "Fiscal Cliff" issues. The package contains about $620 billion in higher taxes over ten years, mostly falling on high-income Americans. The Act does not impose new taxes on life insurance, annuities, pensions, or employer-provided benefits. In fact, our products are perhaps more attractive for higher income Americans impacted by the new law.
The American Taxpayer Relief Act of 2012 focuses on several areas that impact taxpayers:
- Permanent extension of the Bush tax cuts for individuals with taxable income under $400,000 ($450,000 for joint filers). The top income tax rate for those in excess of these income amounts will be 39.6 percent.
- Makes the qualified dividend provision of the Code permanent and maintains the 15 percent rate on capital gains and qualified dividends for individuals with taxable income under the same levels as above. The maximum capital gain/qualified dividend rate for those individuals in excess of those thresholds would be 20 percent"
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