Principal: Living Benefits for Enhanced Flexibility
The Chronic Illness Death Benefit Advance Rider

Expenses associated with a chronic illness can derail a financial plan. (CIDBAR) from the Principal Financial Group provides a living benefit that can be used in the event of a chronic illness.
 
New Alternative Rate Values
Minnesota Life/Securian Indexed Life Illustration Update

In an effort to further educate consumers and support the new proposed American Council of Life Insurer's (ACLI) illustration guidelines, Minnesota Life and Securian Life, a New York authorized insurer, has adopted new Alternative Rate Values into all Indexed Life Illustrations. 

The new Alternative Rate columns have been incorporated into the current ledger, displayed to the left of the selected illustrated rate columns, and will show how the IUL contract will perform under an alternative performance scenario, showing the impact to death benefit, cash values and distributions.

The Alternative Rate is automatically calculated as the lesser of the mid-point between the 0% floor and the selected rate, or the Variable Loan Rate, if the Variable Loan option is selected. All solves within the illustration calculations will continue to use the selected illustration rate.









Genworth End of Year Dates
 'December 5, 2014: Life New Business Deadline for 2014 Commission
READ MORE
 
 'December 19, 2014: Deadline for Annuity
New Business Requirements
READ MORE
 
 'December 12, 2014: Deadline for Long Term Care New Business Requirements
READ MORE
 
 'Genworth's 2014 Commission
Year-End Pay Schedule
READ MORE
 
 'Commissions: 1099-MISC 2014
Tax Information 
READ MORE

AG Asset Protector
Life Insurance: You Don't Have to Die to Use it

AIG has created AG Asset Protector which consists of 2 living benefit riders: Lifestyle Income Solution to address living too long, and Accelerated Access Solution, a chronic illness rider for getting sick. The AG Asset Protector riders are also available on the AG Secure Lifetime GUL II universal life insurance policy.

 
Learn More About
AG Asset Protector



PruLife Founders Plus UL: 
a flexible, cost-effective alternative
to traditional UL
Death Benefit Protection, Cost-Effective Premiums, Flexibility and More

P
ruLife Founders Plus UL is designed for clients who want permanent universal life insurance with the potential to accumulate cash value.
Bobby Samuelson: Demystifying Indexed Universal Life
Metlife Webex Video

Bobby discusses the topic of demystifying Indexed Universal Life. Bobby talks in-depth about how IUL products are built, positioned, and sold in the market place today.  
 



Lincoln Financial Reduces Term Rates
Big Benefits for Hight Net Worth Clients

Lincoln Financial has reduced term rates making them a competitive option for your bigger clients.  
 

Enhancements to Premium
Collection Guidelines
Effective November 14, 2014

Minnesota Life and Securian Life have made the decision to increase the face amount in which premium may be collected with new applications submitted via Quick eApp. This applies to applications on all life insurance products submitted via Quick eApp only. As a valued partner, we want to make you aware of these changes.
 
Axa: BrightLife(SM) Protect
More Flexibility/Less Restriction

BrightLifeSM Protect was built with one singular goal - meeting protection needs, sensibly. Having a guarantee is important, which is why BrightLifeSM Protect offers a 2% guaranteed rate on its Fixed Account and a 2% Interest Guarantee on the Select Account. When compared to products offering a lifetime no-lapse guarantee, BrightLifeSM Protect can give your clients life expectancy coverage, using a 2% crediting rate and current charges.
 


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! P
ruLifeReturn 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. 

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
 

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.

 

New Shaw Assist Form

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.
 


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.
 


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! 

 
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 $181,795Target $227,100
  • Male - Premium #1 at $220,011Target $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.

 

 





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).

 
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.


 



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.
 

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
 
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.
 



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.

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.

View OPTerm Changes


Earn Double Credit on ALL Lincoln MoneyGuard� Solutions Cases

Placed in Force Between July 1 - December 31, 2014


You will earn two times Lincoln MoneyGuardSolutions Net Paid Annualized Premium - Recognition (Net PAP-R) for all MoneyGuardSolutions business placed during the qualifying time period.

 
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.
 


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.


Learn More












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:

  • A producer set up a meeting with a client to update his information.

  • During the meeting, an additional insurance need was identified.

  • Next, they sat down at a computer and completed an e-application together.

    • A request for electronic signature was immediately emailed to the client.

    • Accessing it via his phone, he quickly acknowledged it.

    • The client then had to leave but decided to complete his telephone interview as soon as he returned.

  • The next day, the producer was able to let the client know he was approved. 

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. 

 





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?

 
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.
 

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
     b
    ased on placed premium.
  • Top 2 Index Universal Life (IUL) insurance producers
     b
    ased on 1st year equivalent premium (Excess premiums credited at 5%).
  • Top 2 Fixed Index Annuity (FIA) producers
     b
    ased on placed premium.


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]
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.
 

Snap Service Guaranteed 
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.


 

Our Office is Now Open For Extended Hours

 

Monday-Thurday

From 8:30am to 5pm

 

Friday

From 8:30am to 4pm

 


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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