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Legal & General OPTerm Rate Change
You Have a Whole Month to Get the Best Rates
Pending application will be issued with the new rates if they're lower than the prior rates. New applications received through November 7, 2014 will be issued with the rates most favorable for the applicant. The new rates will apply to all new applications received November 8, 2014 and later.
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MetLife Offers Clients with Breast Cancer Competitive Rates
There's More to a Client's Story Than a Diagnosis
Metlife offers competitive rates for individual with noninvasive and invasive breast cancer. Noninvasive, low-grade (in situ) tumors in clients age 65
and older may qualify as Preferred. Invasive, low-grade tumors may be considered for standard rating after completion of successful treatment for clients age 65 and older.
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New Opportunities for Clients to Convert Term Policies
Provide Clients Protection While Maximizing Your Sales
As of October 1, 2014, term policies eligible for conversion include products from Transamerica Life and Transamerica-affiliated issuing companies, which are comprised of Monumental Life Insurance Company, Peoples Benefit Life Insurance Company, Stonebridge Life Insurance Company and Western Reserve Life Assurance Co. of Ohio. Products issued under an affiliated company may now be eligible to convert to a Transamerica product, including TransACE� or our newest products, Transamerica JourneySM VUL or TransNavigatorSM IUL.
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Earn Double Credit on ALL Lincoln MoneyGuard� Solutions Cases
Placed in Force Between July 1 - December 31, 2014
You will earn two times Lincoln MoneyGuard� Solutions Net Paid Annualized Premium - Recognition (Net PAP-R) for all MoneyGuard� Solutions business placed during the qualifying time period.
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Play the Game and Win a $5 Amazon Gift Card
Protection UL is highly competitive in most funding scenarios, offering some of the lowest premiums on the market. Go to JHPULRocks.com to learn more. Play John Hancocks latest online game and register for this week's $5 Amazon.com Gift Card*.
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Metlife is Raising the Bar with MetLife Secure Flex UL
Delivers Predictable
Protection with Strong Cash Values
Along with the death benefit guarantee clients expect, this new product offers the added power of efficient cash value growth potential that provides your clients with options that help them meet a variety of needs.
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Don't Forget Accelerated Underwriting
It's easier and quicker than you think
Obtain up to $1 million of coverage for your healthier clients with Accelerated Underwriting.
Example of a recent 24-hour approval at Super Preferred:
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A producer set up a meeting with a client to update his information.
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During the meeting, an additional insurance need was identified.
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Next, they sat down at a computer and completed an e-application together.
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A request for electronic signature was immediately emailed to the client.
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Accessing it via his phone, he quickly acknowledged it.
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The client then had to leave but decided to complete his telephone interview as soon as he returned.
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The next day, the producer was able to let the client know he was approved.
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Axa Sales Idea
Private Reserve--See how clients can use BrightLifeSM Grow as a flexible source of cash and supplement retirement plans with potentially tax-free income in addition to life insurance coverage.
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Would That Beneficiary Designation Hold Up in Court?
A Recent Court Case May Make You Think Twice About Beneficiary Designations
The importance of periodic review of ownership and beneficiary designations of clients' life insurance policies cannot be overstated. An Alabama bankruptcy court recently ruled that the death benefit received by a husband due to the untimely death of his wife was available to his creditors.
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Compare New Lower Rates for Short Duration-Coverage
Don't Miss Out on Lower Premium in Coverage Years 10 - 30!
Protective recently lowered their rates for short-duration coverage face amounts $500,000 and up. Don't miss this opportunity to deliver low premium with Protective Custom ChoiceSM UL!
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Travel with Transamerica
This Just In: Long Term Care Sales Can Help You Win a Break Away Trip!
Transamerica's Break Away promotion is your pass to a variety of destinations! "Break Away" is designed to reward you for doing business with Transamerica. This reward offers you the opportunity to earn personal travel packages, based on sales. Where will you go?
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New From Symetra
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Policyholders who have purchased a fully underwritten single life term insurance policy from Symetra's select group of carriers within the last five years may be eligible to convert that external term policy to a permanent Symetra Classic Universal Life Insurance policy.
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Using a Private Financing Strategy to Help Your Clients Leverage Wealth Transfer
A private financing strategy may be right for your clients if they want to minimize or eliminate gift taxes, or want to leave a larger legacy to their beneficiaries.
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Life Insurance as an Asset
Insurance can provide a financial hedge against the unexpected. Learn to sell life insurance to clients who are looking for more than just estate planning
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Securian Whole Life
Secure Protector Whole Life
Secure Protector Whole Life offers your clients an affordable whole life contract with lifetime protection and tax-advantaged cash value growth.
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Transamerica Interest Rates Changing
ACE Interest Rates Are Changing This Week
Threshold interest rates have decreased 10 basis points for TransACE� 2013, TransACE� CV 2013 and TransACE Survivor� 2013.
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Genworth eValuate
Pre-Quoting Let's You Know More, Before
Genworth Long Term Care eValuate is a pre-quote underwriting tool for evaluating the underwriting category of Privileged Choice� Flex 3 cases in Real Time. eValuate can help hone in on the underwriting category for more accurate premium quotes, which can mean more placed business.
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SBLI Updated Underwriting Guide
Age and Amount Requirement Changes
Effective Immediately the SBLI Underwriting department announced some exciting new changes to their Field Underwriting Guide. These updates reflect competitive changes to SBLI's age and amount requirements, as well as enhancements to their Financial Underwriting Guide.
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Rate Changes
Protective Custom ChoiceSM UL (10-30 Years)
Protective Life has lowered their rates for initial level benefit periods of 10-30 years at face amounts of $500,000 and up. These rate changes have competitively positioned Protective Custom Choice UL to help you offer greater value at higher face amounts.
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New Lower Rates on Guaranteed Level Term
the People Have Spoken
Introducing significantly lower rates on Metlife's Guaranteed Level Term product. Stay tuned for more information in the coming days.
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Win a Trip to Augusta National for the 2015 Masters Tournament
The Prize will be awarded to the:
- Top 3 Long Term Care (LTC) insurance producers based on total annualized placed premium.
- Top 2 Total Living Coverage (TLC) producers
based on placed premium. - Top 2 Index Universal Life (IUL) insurance producers
based on 1st year equivalent premium (Excess premiums credited at 5%). - Top 2 Fixed Index Annuity (FIA) producers
based on placed premium.
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Double Your SBLI Bonus
We'll Match the First $500 You Receive
Shaw American will match the first $500 bonus you receive from SBLI. One time only, after you receive $500 from SBLI, Shaw American will send you an additional $500! Applications must be in by 9-22-14 and placed by 10-24-14.
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Protective New Underwriting Guideline Changes
Effective Immediately
Changes to Inspection Report Requirements
An Inspection Report is now required at the following face amounts and ages:
- $5 million and up for ages 0 - 64
- $2 million and up for ages 65 - 70
- $1 million and up for ages 71 - 75
- All face amounts for ages 76 - 85
Previously, an Inspection Report was required for all cases of $1.5 million and above, and at age 75 and over for all face amounts, with the exception of TeleLife cases.
Changes to Financial Underwriting
Financial Underwriting guidelines have also been expanded to now include specific information about Personal Coverage, Business Coverage, Confidential Financial Statements and Third-Party Verification of Assets.
Updated Underwriting Guide
An updated version of the Underwriting Guide is now available online in pdf format and will be available for order within the next two weeks.
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Principal Sales Idea
Learn how Principal Universal Life Protector IVSM can help small business clients ensure their wealth is equally distributed between children who wish to work in the family business and those who don't.
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Our Term Quoter, Your Website
Write more business than ever before: Let us add our term quoting engine to your website
Billions of Dollars in Life Insurance are being sold online and much of it's due to term quoting engines like ours, sponsored by A2QE.
Let us add this engine to your website so that you can start taking advantage of the benefits. Benefits include:
- An opportunity to earn additional life commissions
- The foresight to know what rate class to quote
- The ability to attract ready-to-buy customers
For more information, or to have this engine installed on your website, please contact Marie Causey at [email protected]
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We're here for you
Call us for the quotes, forms, and proposals you need in 15 mins or less! That's the Shaw Snap Service Guarantee.
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Miss Something?
Get Up to Date with Competitive Education
Ever spend time away from the office and come back feeling like you've missed out on key changes and updates? No need to panic. At Shaw American we make it a priority to upload our Newsletters, Company Fliers, Webinars, and Head Office Conference Calls to the Competitive Education section of our website.
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Our Office is Now Open For Extended Hours
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Monday-Thurday
From 8:30am to 5pm
Friday
From 8:30am to 4pm
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Phone: 502-583-5527 | Toll Free: 1-800-626-5888 | Fax: 888-329-7429
Office: 830 S 2nd St | Louisville | KY | 40203
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