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Protection for Their Loved Ones,
Money Back for Your Clients
Learn About ROP Term and Discover How it can Benefit Your Clients
Have you ever thought about a life insurance policy that reduces the risk of spending money and never using it? Well, Prudential offers a great solution! PruLife� Return of Premium (ROP) Term provides temporary death benefit protection with a guarantee to return out-of-pocket premiums, if the policyowner outlives the level-premium period.
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DI Enhancements Approved in KY
Individual Disability Insurance Changes
Principal Life Insurance Company's Individual Disability Income (DI) insurance and DI Retirement Security enhancements are now available in Kentucky, Maine andWashington .
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John Hancock Solutions Online
NEW Module: Invest in Your Life
The Invest in Your Life module illustrates how life insurance can offer a competitive rate of return, and also demonstrates the many ways life insurance protects your clients at different stages of their lives.
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Use it with Principal Accelerated Underwriting
The new, easy-to-use Shaw Assist Quick Ticket makes getting your clients coverage even easier. To use Shaw Assist Quick Ticket with Accelerated Underwriting, just circle Principal under the carrier section. If your client qualifies for Accelerated Underwriting their case could be placed in just one week.
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An Expedited Process For Your Clients
Are you using Principal Accelerated Underwriting for your healthier clients yet? Let them know how quick and easy obtaining life insurance can be with the Principal Financial Group� .
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Mutual of Omaha: Help Your Clients Get Their 'Stache Back
Mutual of Omaha: New Guaranteed Refund
Option Rider
Beginning October 1, 2014, all qualifying GUL and GUL Plus policies will be issued with the new Guaranteed Refund Option rider at no additional charge. This rider will provide clients with three 60-day windows where they can surrender their policy and get their 'stash' back - no questions asked!
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Symetra's New Premier Pricing
Hot GUL Sweet Spots
Big cases - Symetra's new Premier Pricing (individual GUL) for large cases is having a significant impact. Sample standard age 75 for $5 million: - Female - Premium #1 at $181,795, Target $227,100
- Male - Premium #1 at $220,011, Target $275,100
Survivorship GUL - this product looks great, especially in lifetime guarantees for level premiums and large 1035x/ dump-ins. First Year Premiums over $1 million - both GULs are very competitive for big premiums, we want your multi-million single premiums. Greg can run these quotes for you. Retention is $3 million individual and $6 million survivorship, $25 million auto-bind and $65 million jumbo limits.
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Year End: Important Dates and Reminders
Key Reminders for a Winning Year End
The 2014 Year-End Deadline is 12/19/2014. To guarantee compensation in 2014, all delivery requirements "In Good Order" (IGO), including the premium, must be received by Prudential no later than 12/19/2014, 4 pm ET. (Cases placed and active on our administrative system by 12/24/2014 will generate compensation for 2014).
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Genworth TLC Product Change
Rate Increases Will Follow
On November 24, 2014, Genworth Life Insurance Company (Genworth Life) will update the Total Living Coverage� (TLC) product. Beginning November 24th, the premium expense charge will be increased from 9% to 12%. Also, Return of Premium will change from Lifetime after policy year 2 to Lifetime after policy year 3.
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A Life Insurance Private Reserve
Life Insurance as a Potential Private Source of Cash
Explore Axa's Private Reserve strategy to see how clients can use BrightLife 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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Life Insurance with Charitable Remainder Trusts
A Sales Solution From American National
If your client has charitable intent they can contribute all or a portion of their assets or stocks to a Charitable Remainder Trust. As a result of the contribution, when the stock or assets are sold, the proceeds are not subject to taxes in the charitable trust
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An Alternative to ROP Term
Consider GUL with the Guaranteed Refund Option
Return of premium term products are popular with clients for an obvious reason. Your clients get life insurance coverage for a set period of time and if they make it to the end of the term, they can get back what they paid in premiums. As an alternative, Mutual of Omaha's GUL product offers a permanent insurance solution as well as the option for your client to receive their paid premiums back with the Guaranteed Refund Option rider.
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AMI: The Inherited IRA
New Advanced Markets Insights & Ideas
An Inherited IRA Is Not A "Retirement" Account For Bankruptcy Protection Under Clark v. Rameker Supreme Court Case. Prudential's new Advanced Markets Insights & Ideas discusses the opinion, what it means for non-bankruptcy filings, and offers up an approach to mitigate against a creditor's claims against the inherited IRA.
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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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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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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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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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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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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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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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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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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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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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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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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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