Prudential has Implemented a Rate Reduction Program

Good News for Table A and B Rated Applications

T
his program, in partnership with reinsurance, allows certain Table A and B rated applications to be moved to Standard, without the need for the producer to request submission through the program. This program will be used for both formal applications and fully packaged informals including Super Summaries.
 
Make an NCAA Bracket and Win
The First Place Winner Will Receive $100 and the Second Place Winner Will Receive $50  

Play against other advisers and the Shaw American staff. Have fun and enjoy March Madness!

To Play:

Click the button below, register, enter the group password: shaw and then fill out your bracket

 

ONLY ONE BRACKET PER PERSON :-)

Bracket Picks Must be Submitted by  
11:00 AM ET on March 19, 2015  










Repriced Term Preferred Plus

The Best Reprice Mutual of Omaha Has Had in Years


Mutual of Omaha now has leading Age Last Birthday rates for Prefered Plus, Preferred Nontobacco and Standard Nontobacco.

  

�        Risk Classes: Preferred Plus, Preferred Nontobacco and Standard Nontobacco 
�        Males and Females, ages 40 to 60, AGE LAST BIRTHDAY 
�        Term Life Answers 10-Year, 20-Year and 30-Year 
�        Face Amount Bands of $250,000, $500,000 and $1,000,000 
�        Top Accelerated Death Benefit for Terminal Illness rider features up to $1,000,000 
�        Leading conversion opportunities prior to age 75 (age 66 in New York) 
                - TLA 10 Year - Prior to age 75 or two years after issue 
                - TLA 20 Year - Prior to age 75 
                - TLA 30 Year - First 20 years from policy issue 
                - Can convert to any permanent policy sold in the client's state of residence 
                - Can convert even in Annual Renewable Term period 
�        Competitive Fit underwriting credits to keep your clients at Standard up to age 75  

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!
 





 

With the Fit underwriting credit program from Mutual of Omaha

your clients don't have to be Olympic-Calibur fit to qualify; they get credits for basic quality health maintenance. 

It's helpful to think of Fit like this - You are Fit when:

You and your family are physically and financially Fit.


Price and Supplemental Coverage Changes
April 2015 Nationwide YourLife� NLG-UL Price Change and Supplemental Coverage Changes

Due to the sustained low interest rate environment, Nationwide is making a pricing change to YourLife NLG-UL - the first in over two years.

In order to maintain their competitive position for level pay scenarios with a lifetime guarantee, Nationwide is suspending the availability of their Supplemental Coverage feature. This change applies to both the YourLife NLG-UL and NLG-SUL II products. There is no base price increase for Nationwide's YourLife NLG-SUL II. 






Principal Accelerated Underwriting   
 
Principal Accelerated UnderwritingSM is available for cases up to $1 million of death benefit on the following products:
  • Term (10-, 15-, 20- and 30-year)
  • Universal life
  • Indexed universal life (IUL)
  • Variable universal life (VUL)
  • Survivorship universal life (SUL)
  • Benefit VUL II (NY only)
Improved Underwriting For E-Cigarettes 
Better Rates for Non-Smoker, E-Cigarette Users 

Based on research and development and the ability to test for a marker of tobacco combustion, Securian can improve ratings for clients who use e-cigarettes. 
 




Your Clients' Company Offered Life Insurance Isn't Enough  
 
You already know your client doesn't have enough life insurance if the only policy he owns is the one that was offered to him free, from his employer, but how do you get the him to understand this? In an article published in USA Today, author, Alice Holbrook spells out the BIG reasons why only owning an employer-sponsored life insurance policy isn't a wise decision... 


   

On February 23, 2015 (Ready to Sell Date): New Rates for the revised product are in effect for the states that have approved. All applications signed and dated1 on or after February 23, 2015 will receive New Rates (unless Old Rates are requested and permitted)


New! IUL Illustrations From LifeTrends
6% Assumed Interest Rate on Individual Life IUL

Our daily-updated, data-bank, illustration-software, Lifetrends has added a 6% assumed interest rate to all individual life IUL benchmarks ($1 @ Maturity & Max Dist). This addition rounds out the indexed universal life benchmarks by providing clients with the ability to see how products compete and perform at 5%, 6%, 7% and max illustrative rates.



Help Your Clients With Their Taxes
Check Out Our 2015 Tax Facts Guide

Tax season is a great time to get in front of your clients. Offering to review their taxes will not only get you in a room but will also help you talk to them about buying life insurance.




Serve Clients' Long-Term Needs For Financial Security

 

The competitively priced design of Value+ IUL, combined with the advantages of Optionality�, will help you serve more clients and win more cases
 

Genworth: Certain Reduced Benefit Options No Longer Available in KY

Effective 01-26-15 & 03-03-15


Effective 01/26/15, Genworth will no longer be able to allow policyholders to change their policy benefits from 5% compound to 5% simple inflation.


 

Effective 03/03/15, in addition to the above, Genworth will no longer be able to allow policyholders to: make any changes to or to drop their inflation benefit; or to reduce their daily/monthly benefit amounts. 







February is a great time to remind clients of the importance of life insurance. We insure lots of things in our lives:

our homes, our cars, our valuables. But what about the things we love most, our families?

 

You can be an advocate for life insurance, helping individuals recognize the need to protect their loved ones. Too often people forget that benefits from life insurance policies can protect loved ones from debt, save businesses, and most importantly, help provide peace of mind to those they might leave behind.

 

To help you make those connections with your clients, in the month of February, we will partner with Life Happens to promote the Insure Your Love campaign.

 

Insure Your Love campaign helps clients look at love and life insurance in a whole new way. Use our Insure Your Love materials to get your clients to start thinking about life insurance.

 






 






Receive $25 From Protective

Place Life Business by March 31st and receive a $25 American Express Gift Card

 

 The Following Rules Apply (no registration required): 

  • Promotion period ends March 31, 2015
  • Business must be submitted and placed by March 31
  • Promotion applies to any new life insurance policy from Protective Life except Protective Investors Choice VUL, Protective Premiere III VUL and Protective Preserver II VUL
  • Only one $25 American Express gift card will be issued for each qualifying agent
  • Qualifying agents will receive their gift card on the 15th of the month following the close of the month in which the application was placed
  • A qualifying agent is defined as an agent who has written business with us any time since January 2013, but has not had any paid applications in the last six


Principal's NEW Lower Term Rates

Even Lower Cost Protection 


 
Start your new year strong with new, lower Principal Term rates for many ages and risk classes. Now you can offer the same strong features and valuable protection at even more competitive pricing.


 
Plus, Get Principal Term quotes on-the-go with Principal Life Quote EdgeSM. Rates are available anytime, anywhere on your mobile device.


Register On Our Website and Win

Each Month the Winner Will Receive a $50 Cash Prize

 

In an effort to ensure that we have the most up to date contact information for our advisors, we're giving away a $50 cash prize each month to a randomly selected advisor who has registered on our website. Click the link below for a chance to win! 

Retirement Supplement, Don't Ignore the Death Benefit
North American's New Income Replacement Chart

When promoting retirement supplement sales we often ignore the death benefit or at least minimize it. This creates the possibility for clients being underinsured. With this in mind North American has developed sales flyer to help estimate the amount of death benefit to replace an income amount over a specified period. 
 








Help Your Clients Take Action on Their Financial Dreams

Get a Financial Lift. From The Principal.
 

Watch this video and see real people ask real questions about their financial concerns and see how easy it is to start a plan. 

Changes to Privileged Choice� Flex and Privileged Choice� Flex 2
Effective Immediately

Effective today, Genworth Life Insurance Company (Genworth Life) will no longer offer 8 and 10-year benefit period options on Privileged ChoiceFlex (Flex) and Privileged ChoiceFlex 2 (Flex 2). These changes are consistent with Genworth's efforts to reduce risk in our long term care insurance products.




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.
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.
 

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!





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.




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.

 

 






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 Open For Extended Hours

 

Monday-Thurday

From 8:30am to 5pm

 

Friday

From 8:30am to 4pm