Important Principal Webinar 1/7
Accelerated Underwriting Just Got Faster

On Wednesday, January 7th, at 10am EDT Principal will host an important webinar to discuss new improvements to Accelerated Underwriting. These improvements feature a new innovative program which uses quickly obtained data to eliminate lab testing/exams for approximately 50 to 60 percent of applicants who qualify based on age and face amount requirements.



Prudential Product Improvements Happening TODAY
The New and Improved PruLife Indexed Advantage UL & PruLife Founders Plus UL

Do you have clients concerned with costs of longevity risk and volatility? On January 5, 2015, Prudential will launch an improved PruLife Indexed Advantage UL & PruLife Founders Plus UL. Learn more about how they can help address the costs of longevity risk and volatility. Don't miss the Prudential launch day webinar on January 5, 2015.
 
Prudential Webinar TODAY 01/05
Improved PruLife Founders Plus UL &
PruLife Index Advantage UL

On January 5, 2015, Prudential will launch an improved PruLife Founders Plus UL & PruLife Index Advantage UL. Be sure to attend the launch day webinar with our product team January 5 (4:00pm-5:00pm ET), to learn more about the product enhancements and how they can help you better address the challenges that your clients and your business face. There will be a Q&A as well. 


To Enter the Webinar:
Dial In: (855) 828-8357
Passcode: 32987387

Illustrate Cash Value Accumulation
North American Company Adds a MEC Test

Effective January 6, 2015 North American Company will be adding a MEC test and notification to the Cash Value Accumulation Test (CVAT) in their illustration software.
Miss Our Last Lunch and Learn?
No Problem! Download the Highlights From Our Website
 
If you couldn't make our last Lunch and Learn meeting with Lincoln Financial, there's no need to fret. We've got the highlights and handouts neatly organized for you on our website. Click the link below to check them out.



Transamerica LTC News
Easy Access to Prequalification Forms and More

Beginning Christmas Eve, you can electronically submit underwriting pre qualification forms directly from Transamerica's Agent Resource Center.
 



Fund an Education
American National Signature IUL
For families that need life insurance protection along with a potential solution to education funding, Signature IUL may be a great fit. Click the link below to find out how to use this product to fund an Education.
Mutual of Omaha: 5 Ways to Sell the Guaranteed Refund Option Rider
Guaranteed Universal Life's Flexible Features = Opportunities

Whether clients are looking for an alternative to Return of Premium Term, a competitive product for 1035 exchanges or a product that can provide added flexibility, Guaranteed Universal Life may be your best bet. And don't forget about GUL's guarantees!
 




Protective Life: Choice Series
A Custom Life Insurance Solution Has Never Been Easier

Protective Life is now offering the "Choice Series," which is a diverse suite of guaranteed life insurance solutions designed to provide maximum protection, value and flexibility.

You can customize each policy to fit every client for a truly tailored solution every time. No matter what your clients is looking for, you can help them build a better solution with the Choice Series from Protective Life.
 

Minnesota Life: Compensation Change
Early Values Agreement (EVA) Compensation Changes

Effective at 4:00pm (CT) on January 30, 2015, Minnesota Life will implement a three-tiered EVA compensation structure based on target premium. 


 

While these changes will result in compensation being spread over a longer period of time, total compensation paid will generally be higher with the new structure.


Stay Up to Date

Stay up to date with the latest Shaw American news by following us on Facebook. Here you'll find relevant articles, upcoming events, office hour changes and holiday closings.
 
For Space Travelers Only
Space Tourism and Life Insurance

The recent advent of space tourism has more than a few of us updating our bucket lists and averaging out cost/time ratios but before you lift off, you should take a careful look at your life-insurance policy to make sure it'll pay out if you die during your journey.



Principal Accelerated Underwriting Success Story
Use the Checklist, Get Your Case Placed Fast

Here's the Story:
After going through the Accelerated Underwriting Checklist to make sure her client was a good fit, our agent Angela, submitted a paper application and completed a TeleApp interview the day before Thanksgiving. This was her first case with us. When she returned from her holiday, her case had been placed at Super Preferred--4 days later!
Who's Got The Lowest Cost GUL?
We know because we use LifeTrends

LifeTrends compiles and analyzes data from all the top carriers so that we're able to run comparative quotes in a matter of seconds. This data driven gold mine is currently exclusive to LifeMark brokerages and we're taking full advantage of its power.

Call us on your next permanent case and we'll help you find the lowest cost products across the board for any age!




Protective Life Bulletin
MONY/MLOA Conversion Options for Protective Life Acquisition

On October 1, 2013, Protective Life Insurance Company ("Protective Life") acquired MONY Life Insurance Company ("MONY") from the AXA Financial Group ("AXA"). As part of this acquisition, Protective Life also became the reinsurer of an in-force book of life insurance policies issued by MONY Life Insurance Company of America ("MLOA") primarily prior to 2004. Protective Life has collaborated with AXA to create a list of Frequently Asked Questions to help eligible term policy owners and their advisors understand the options for conversion.
 



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.




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.

 
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.  
 

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.

 
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. 

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.
 


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.

 

 





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.

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.
 
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.
 




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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