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December 2013 |
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What if...your estate plan now means more
state death taxes?
Read
States You Shouldn't Be Caught Dead In
States with Estate Taxes
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ST
| Exemption
| Top Rate
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CT
| $2,000,000
| 12%
| | DC | $1,000,000
| 16%
| DE
| $5,250,000
| 16%
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HI1
| $5,250,000
| 16%
| IL
| $4,000,000
| 16%
| ME
| $2,000,000
| 12%
| MD
| $1,000,000
| 16%
| MA
| $1,000,000
| 16%
| MN
| $1,000,000
| 16%
| NJ
| $675,000
| 16%
| NY
| $1,000,000
| 16%
| OR
| $1,000,000
| 16%
| RI
| $910,725
| 16%
| VT
| $2,750,000
| 16%
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WA2
| $2,000,000
| 19%
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1 Non-resident Hawaiian property owners receive a $1,000,000 exemption.
2 On January 1, 2014, top rate increases to 20% and exemption indexed or inflation. |
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| Promotion Nae | |
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.
Associated Life Brokerage, Inc., 135 Route 202/206, Suite #7 Bedminster, NJ 07921
info@associatedlifebrokerage.com
(908) 756-9800 Ext. 120
www.associatedlifebrokerage.com
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. |
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Underwriting Corner - NT-ProBNP - Screening Blood Test |
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In the last few years, insurance carriers as well as physicians have been utilizing this test as part of routine blood testing especially in elderly clients. NT-proBNP (N-Terminal Pro B-type Naturetic Peptide) is a chemical released into the blood when the heart muscle has been under stress. Elevated levels of NT-proBNP in the blood (it is another test done on the routine blood samples obtained during the insurance exam) may indicate heart failure, left ventricular dysfunction or coronary artery disease. Higher levels indicate increased stress.
NT-proBNP has been found in many studies to be an predictor of overall mortality. It is often used as a screening tool. Normal values are broad but generally considered to be between 1-124 (up to age 75) and up to 449 over age 75. Results significantly above these "normal" amounts may result in a substandard rating or possibly a decline in the companies that test NT-pro-BNP. However, in your clients with known cardiac issues a low or normal NT-proBNP may be used as credits and improve a final rating. |
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American General Life Insurance
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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!
for complete contest details and qualification rules.
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Now Available! New Long-Term Care Services Rider for
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. | |
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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 |
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John Hancock Life Insurance
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John Hancock LTC Rider Changes
John Hancock's Long-Term Care (LTC) rider offers valuable protection by allowing insureds to accelerate portions of the death benefit for qualified long-term care. A significant percentage of our life insurance sales now include this rider - a trend we expect to continue. However, please note the following changes that are being made due to low utilization rates:
1) The Maximum Issue for the LTC rider will be age 75.
2) LTC Continuation rider will no longer be available for sale.
These changes will go into effect on newly-issued policies as of January 2, 2014, for the following products: Accumulation UL, Accumulation IUL, Accumulation VUL, Premier Life, Protection UL, Protection IUL, Protection VUL and UL-G.
Click here for the transition rules and Year-End Dates.
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Now available: A brand new convertible
Minnesota Life's Annual Renewable Term policies now feature a conversion feature - at no extra charge.
Convertible Annual Renewable Term (CART) and CART Second Death (CART-SD) are designed for people who need low-cost life insurance for a short period of time. Lock in your clients' insurability while they continue to work on long-term goals.
Convertible Annual Renewable Term offers your clients flexible coverage at a competitive price. | |
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Principal Financial Group |
Introducing Principal Indexed Universal Life Flex
See what makes this product unique
An exciting new product that provides protection, flexibility and consumer-friendly features, PLUS a unique index-linked account featuring reinvested dividends.
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Principal IUL Flex also offers:
- Low policy charge structure - product not reliant on high assumed rate for competitive performance
- Three account options for clients to choose from
- Optional, extended no-lapse guarantees*
- Accelerated benefit rider for chronic illness
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Prudential Insurance Company |
Simplified Approach to Foregin Travel and Residency is Now Even Easier!
Click Here | |
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Life Accumu
2013 Year-End Deadlines
Click Here | |
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Life Accumu
New Conversion Opportunities for Transamerica Term Policies
Please see the Guide to Doing Business for complete program details. | |
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Disclosure
Not all products approved in all States, please check State approvals. | |
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