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In This Issue
ALB
John Hancock
IPO's
Non-Medical Wave
Growth of Money
Business Valuations
Lincoln Benefit Life
MetLife
Preliminary Inquiry
American General
Principal Financial
Symetra
Genworth Financial
Transamerica
Lincoln Financial
Mutual of Omaha
Protective Life
Disclosure
Agent/Broker Use Only

The Difference 

 

We show you how to sell,

not what to sell!

 


John Hancock

Is Now the Time to Reconsider John Hancock's Protection UL/SUL?

  • With product changes being announced at dizzying rates, what do you do?
  • Will AG 38 compliance move your "favorite product" out of favor?
  • Has the GUL market seens its best days?
  • With new products being manufactured, how do you decide what to offer?
  • Most "experts" agree that interest rates are low and are expected to stay low.  But, for how long?
  • Is now the time to consider alternatives to pricey and shrinking GUL landscape?

 


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See how you can increase your comp 2x, 3x, 4x or more

 

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to see how!

 


Don't miss the Non-Medical Wave

 

 

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 Great Reference

 Tool....

 

Growth of Money at Various Interest Rate Assumptions

 

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Are you using Business Valuations to get to your small business clients? 

 

For a helpful

Q&A

 


Lincoln Benefit Logo  

Do you know what truly triggers people to shop for life insurance?

 

Insight


Metlife Logo   

1035 Exchange

Helpful

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Preliminary Inquiry

 

This is NOT an application for life insurance.  Use this form as a preliminary evaluation to assist in determing insurability only.

 

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January, 2013

Happy New Year 2013 

January 2013 ALB Office Closings 
Monday, January 21 - Martin Luther King's Birthday

 

 A Message From

Mark Milbrod, CLU

 

Mayans, Elections and Cliffs, 

Oh My!

 

Here we are. The Mayans had it wrong. We live to fight another year. I do look forward to the tabloid headlines of 2013 telling us how the world will end this year. Got to give them credit, they sure know how to make lemonade out of lemons.

 

2012 was certainly a challenging year.   There was so much uncertainty with an election in the balance, a Fiscal Cliff and the unknown tax climate. But we have a re-elected President, averted going over that cliff and now we have a better idea as to the estate tax.

 

So, what does it all mean?   As financial professionals, these things bring us opportunity.  Here's a brief synopsis of "The American Taxpayer Relief Act of 2012" that was signed into law by President Obama on January 3, 2013:

 

Forty Percent Top Tax Rate

 

There is a 40 percent top tax rate which is up from the 35 percent rate that existed through 2012. It was a middle of the road compromised rate that was deeply debated.

 

Unified Exemption

 

The exemption remains at $5 million and is indexed for inflation since 2011, which places it at $5.25 million for gifts made by individuals during life and for the estates of decedents dying in 2013. In addition to the lifetime exemption, individuals can also gift $14,000 per person in 2013, known as the annual gift tax exclusion, and which does not impact the lifetime gifting exemption.

 

Portability

 

The December 2010 legislation introduced the "portability" of the exemption for gift and estate tax purposes, whereby the exemption not used by the first spouse to die would be available for use by the surviving spouse for gift tax purposes and the surviving spouse's executor for estate tax purposes. This, however is not usable for GST tax purposes.

 

Other Noteworthy Highlights 

  • For most individuals, the law permanently extends the lower federal income tax rates that have existed for the last decade. That means most clients will continue to pay tax according to the same six tax brackets (10%, 15%, 25%, 28%, 33%, and 35%) that applied for 2012.
  • Reinstatement of the 39.6 percent individual income tax rate and 20 percent capital gains tax rate for taxable income over $450,000 for joint filers and $400,000 for single individuals;
  • Return of the phase-out of personal exemptions and itemized deductions, but with higher thresholds for itemized deductions; 
  • Restoration of the IRA charitable rollover for 2012 and 2013 for individuals over 70�, with special rules for IRA distributions made in December 2012 and for charitable rollovers made in January 2013; and 
  • Indexing the individual alternative minimum tax (AMT) exemption for inflation, in effect making the annual AMT "patch" permanent. 

By far the guidance given with the exemption limits is the most helpful to all of us as advisors.   Simply, we have more time to assist our client's planning needs without a timer over our heads. Also, the annual gift tax exclusion has been defined for 2013 so we have a handle on that as well.

 

In addition, the lower federal tax rates have been put in place so that tax rates will remain lower for 97% of Americans and 98% of Business Owners.   That should make our clients more apt to move ahead with other planning.

 

Like anything else, who knows if and when Congress will change their minds and modify these changes again? But, this still represents a tremendous opportunity today as it seems we will be OK for the foreseeable future.

 

With all of this, many doors are open to a multitude of sales. Don't forget to inquire about our Four Core Practice Elements Training that will help you start off 2013 on the right track and head yourself towards one of your best sales years ever.

 

2012 is over -- Mayans, Elections and Cliffs, Oh My! We got through it and now its time to get to work.

 

HAPPY SELLING!

 

American General Logo    

  

 

Simple Disability Income Coverage for

Term Buyers

 

AG Select-a-Term DI Rider

 

Disability Income Rider Specifications

 

 

 

   

 

NEW PRODUCTS

Effective January 22, 2013

 

Click for UPDATE

 

 

 

Symetra Logo 
 

 

Symetra Classic Universal Life
Insurance with Lapse Protection Benefit is offering improved pricing!
  • So many sweet spots - you'll find competitive
  • Ages 55 to 75
  • Most durations, but especially limited pays for ages 90 to 105

Stay on the lookout for a new underwriting credits program - - - - Symetra GoodLife Rewards - - - -

 

 

 

 

Genworth Logo 

1099 Distribution

MDRT Certifications

 

 

 

 

 Transamerica Logo
 

The New TransACE 

Available for Sale

  

TransACE� 2013 is now available and continues to offer the guarantees, flexibility and control clients need today. TransACE includes the MultiFlex Surrender Endorsement (MSE), a new two-year rolling target, and is built to be sustainable for the long term with Real Time PricingSM. TransACE also offers the Long Term Care Rider, subject to jurisdiction availability. For more details, view the information below.

 

TransACE Product Bulletin

TransACE State Availability

TransACE Product Guide 

TransACE Quick Facts

 

Lincoln Financial Logo 

 

Lincoln State Availability Charts

Life Insurance

 

Click

  

       

 Mutual of Omaha Logo

Term Life Conversion Guidelines

  

       

Protective Life Logo  

  Protective Custom Choice UL
and
Protective Advantage Choice UL

 

Disclosure

 

Not all products approved in all States, please check State approvals.

  

       

AGENT/BROKER USE ONLY

  

       

Promotion Name
 

ALB Group

 

YOUR ALB TEAM

 

  Front left -

  Bernie Connell - Underwriter

  Janet Stumpf - Contracting & Licensing

  Merin Powell - Case Manager

  Jill Kinahan - Case Manager

  Michael Inserra  (not pictured) - Broker Services Specialist

 

  Back left -

  Mark Milbrod - Sales Vice President

  Pam Broast - Marketing / Contracting & Licesning

  Lori Ayers - Senior Case Manager 

  Millicent Hopes - Case Manager

Sharon Murray - Case Manager

  Jeff Ridge - Case Design

  Michael Milbrod - IT Department

Promotion Name

Call today to speak with one of our

Case Consultation Specialists for information on these and other sales opportunities and see why ALB is The Business Partner
 You've Been Looking For.

 

Mark Milbrod, CLU

Associated Life Brokerage, Inc.

135 Route 202/206, Suite #7
Bedminster, NJ  07921

[email protected]
 
(908) 756-9800 Ext. 120 

 

Associated Life Brokerage, Inc., is a full service General Agency located in Bedminster, NJ handling your Life Insurance, Annuity, Long Term Care and Disability Income needs.  We provide independent insurance agents with a comprehensive platform that includes, Expert Case Consultation, Premier Underwriting Services and a Fully Dedicated Case Management Team.  With over 100 years of collective experience in advanced case design and underwriting, we are dedicated to giving you the tools you need to significantly increase your revenue.