November 2013

These all are terms used when discussing a person with impaired cognitive abilities. Mild Cognitive Impairment (MCI) is a mild decline in cognitive function. Sometimes referred to as pre-dementia, it is more than just normal aging and is a decrease in cognitive abilities more than what would be expected for the person's age and education. Someone with MCI may be able to get coverage at older ages, if their functional decline has been mild and relatively stable.  

Dementia is more serious. It involves difficulty with memory function, social functions or occupational tasks. It may be due to a medical condition such as thyroid disorders, vitamin deficiencies, exposure to toxins, alcohol, head injuries (trauma) and often vascular disease. Early signs may involve difficulty with short term memories and more severe cases involving loss of long-term memories about occupations, people and dates. Alzheimer's Disease (AD) is the most common form a of dementia followed by vascular dementia (impaired blood flow to the brain).

Any diagnosis of dementia or AD will be looked at very cautiously and conservatively as the overall mortality rate from Dementia or AD is very high following the initial diagnosis.  Even mild cases of dementia or AD are likely to be declined for individual coverage unless diagnosed at older ages and if disease has been non-progressive.

American General is please to announce a sales contest!  Now is your chance to kick a field goal, score a touchdown, or go for the two-point conversion!

Adding AXA Equitable's Long-Term Care Services Rider to a life insurance policy is flexible and affordable way to protect your clients from potentially devastatng long-term care costs.

Please note the important product update from Lincoln Financial for the

MoneyGuard Reserve Plus

THE NEW IUL- Protector and IUL-Global Choice

Same death benefit protection AND cash value accumulation potential.  Different funding strategies for optimal potential.

 
Indexed Universal Life Product Overview

 John Hancock's Guidelines to Submitting Term Conversions

  Click Here

Life Accumu

Universal Life Accumulation II

Learn how the Surrender Value Enhancement Rider (SVER) provides high early cash surrender value.  Then use this brochure with business clients to help explain how UL Accumulation II with the SVER can provide multiple benefits to their business and key employees.

Life Accumu

Critical Illness Protection

No wonder producers are excited about Living Benefits! 

A devastating critical illness or injury can produce serious financial problems for clients. Trendsetter� LB is a term life insurance policy that gives clients the option to accelerate their policy face amount should they become stricken with a qualifying critical, chronic or terminal illness. Help clients understand that, for a minimal difference in premiums, Trendsetter� LB (Living Benefits) gives them access to cash when they need it most.

Life Accumu

New Lower Rates for Standard Non-Nicotine on Symetra Classic with Lapse Protection Benefit :  Effecitve September 30, 2013 

As part of Symetra's ongoing commitment to be a premier provider in the no lapse guarantee marekt; they are pleased to introduce new, lower rates on Standard non-Nicoline classes for Symetra Classic Universal Life with Lapse Protection Benefit.  Sweet Spot ages 50-80:

Contact us for your next Illustration!

More Securian Life products launching in November

Securian Life Insurance Company is expanding our presence in the state of New York, and we want you to be a part of it! This November we will proudly add four more products to our Securian Life suite:

• Eclipse Indexed Universal Life (refresh)
• Eclipse Protector Indexed
  Universal Life
• Eclipse Survivor Indexed Universal Life
• Eclipse Survivor Pro Indexed
  Universal Life

Watch for additional details about our November 18 launch. Be a part of it - Securian Life in New York!

Life Accumu

Discontinuation of Empire Term (availabe only in NY)

Protective Life is announcing the discontinuation of the Empire Term product effective November 1, 2013.  The Empire Term product will no longer be available for quoting and application submissions after November 1, 2013.  Please note the following transition rules apply to the discontinuation of the Protective Empire Term product.

Transition Rules

• Applications must be signed and received in the Home Office on or before December 13, 2013. 

• All applications signed and received after December 13, 2013 will not be processed.