We're Launching a New Website
Check It Out Tuesday, April 21st  
 
Be Sure to Watch for the Tutorial E-mail This Afternoon

We've completely redesigned our website to better reflect the innovative goals of our company. The new design makes doing business with Shaw American easier and more fun!

Visit us on Tuesday to see for yourself!
Join Our Fantasy Golf League
Congratulations to Pgsuess Our Week 14 
  

Join our fantasy golf league for a chance to win cash money. Each week the winner receives a $50 cash prize. No knowledge of golf is needed to play. To play, click the link below and follow the instructions.

 

Deadline for Week 16 Picks:
Thursday, April 16, 2015 at 8:00:00 AM ET 





Competitively Priced IULs
Tailored to Your Clients' Needs    
 
Introducing Nationwide YourLife� IUL Accumulator

There's finally a competitively priced indexed universal life (IUL) product available that can be customized to help meet your clients' unique income planning needs. This low-cost IUL is tailored to offer your clients more of the cash value growth potential they want. Plus it provides death benefit protection and protection from market losses, so they can plan for the future with confidence.

LTC: The Cost of Waiting
Sell It To Your Clients Early  
  

No one knows what the future holds. It's possible your client could receive a health diagnosis tomorrow that would make them ineligible for coverage. If your clients wait until their health fails, they may not be able to purchase a long-term care policy at any price. Paying the entire bill for long-term care services is the real cost of waiting.    





The John Hancock Vitality Program
Rewards and Savings for Healthy Choices   
 
Now, your clients can save on premiums and earn valuable rewards and discounts by simply living a healthy life. Life insurance with the John Hancock Vitality Program lets you: 
  • Change the conversation by making it about living
  • Save your clients money and help them earn valuable rewards
  • Have meaningful discussions throughout a client's lifetime
Mutual of Omaha: Our Pick For 2015
Need a Reason to Make Mutual of Omaha Your Go To Life Carrier?
  

Take a look at some of the many reasons to choose Mutual of Omaha's full line of life insurance products. Mutual of Omaha offers your clients options to fulfill their life insurance needs. Plus, with our new Term Life Answers rates, now is a great time to make Mutual of Omaha your carrier for life.   


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!  




Introducing the DI Student Plan
Targeting the Professional Student Market for Specific Occupations  
 
This Mutual of Omaha program provides DI coverage to students in select undergraduate and graduate degree programs who are not currently employed but are actively participating in a secondary education program leading to a professional degree. This program will enable you to establish lifelong relationships with students now, to be fostered throughout the student's career.
 
Recent Court Rulings That Will Affect What You Sell Tomorrow

Presented by John Hancock


Topics and Rulings Include:
  • Transfers to Irrevocable Trust for Grantor's Benefit are Not Completed Transfers for Transfer Tax Purposes
  • Estate Denied Charitable Deduction for Amounts It Was Not Able to Pay to Charity
  • Probate Court Reverses Improper Decanting of Trusts Under State Statute
  • Case in Point: Maximizing the Decrease in AFR Rates





Life Choice UL & Life Value Term Transition Ends April 10
Heads Up If You Missed the March Announcement  
  •  Issued policies no longer include MediGuide Medical Second Opinion.
  • Life Choice UL will be withdrawn for new sales and conversions on April 10, 2015.
  • Life Value Term (our modified ART product) will also be withdrawn on April 10, 2015.
IUL Illustrations From LifeTrends
6% Assumed Interest Rate on Individual Life IUL

Our daily-updated, 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.



Accordia Life to Update Rates in April

New Crediting Rates and Cap Rates


In April, Accordia Life will implement new crediting rates and new cap rates on indexed strategies for its universal life and indexed universal life products.

 
The updated IUL rates will apply to new segments created on or after April 1, 2015. For existing segments, the new rates will go into effect at the end of the interest crediting period.
 





AIG's New Financial Trifecta
Offer Your Clients Three Dimensions of Financial Protection and Flexibility 
 
While most insurance policies lock-in cash value, Value+ IUL includes two completely unique provisions for accessing excess cash value in the policy without reducing the initial death benefit. Learn more with AIG's Financial Trifecta Video and Napkin Tool.
 
New Single Life NLG Stress Testing Tool Provided by Shaw American
What Happens When Your Clients Don't Pay On Time? 

Guaranteed universal life (GUL) products are only guaranteed as long as the client pays their premiums, on time--every time. As the producer, even if you strongly encourage your clients to pay premiums on time, life events may prevent them from being able to  pay and they may unintentionally (or intentionally) miss a premium.

Review this information and be sure to request a quote on you next GUL case! We will send you a custom quote tailored to your client. 






Protect Loved Ones while Creating Supplemental Retirement Income   

American National's Signature IUL 

 

Sell Signature IUL as Retirement Income: 

  • The death benefit can protect loved ones and complete spouse's retirement plan
  • Maximize accumulation value to create potential future retirement income
  • Potential to borrow from accumulation value in retirement to supplement retirement income
  • Loans taken may never be taxable if policy continues until death
  • Policy could be 1035 exchanged to immediate annuity at retirement to maximize lifetime income 
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.  

Principal Convertible Term  

Protecting Insurability for the Future 
 
A term policy from The Principal� can provide important financial protection against an untimely death, while also protecting their future insurability with conversion privileges to permanent coverage down the road.
 
Sell the New GUL with Business Owner Clients
Show Your Clients How to Use Life Insurance Policies to Protect There Family Business 

Many of your business owner clients want to pass their businesses along to family members one day. Usually, though, not all of their children want to take over the business. So, using a life insurance policy to provide for those children, under the concept of estate equalization, makes a lot of sense.
 




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.
 



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  

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... 

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.
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
 

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.
 
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. 
 





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.


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.






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.  
 




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. 


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