Important product updates from North American:

• Improved pricing on the Guarantee Builder IUL product.
• Critical Illness living benefits, as well as the Chronic Illness living benefits, are now included on the Customer Guarantee GUL, the Builder IUL and Guarantee Builder IUL products at no extra cost.
• Critical Illness benefits included up to age 75, up to T-2.  Chronic Illness benefits are included up to age 80, up to T-4.
• Term conversions done within the first five policy years to any of the above GUL, IUL or GIUL products will also include the Critical and Chronic Illness living benefits.

Annuities  

Income - Brand new deferred SPIA from Lincoln National:

• Significantly beats payouts from "income riders"!
• Defer payouts from 2 -40 years
• Options for accelerated payments and start date change
• Death benefit payout for premature death
• Higher comp than normal SPIAs
• Ask for a quote today!

Deferred - Rates are going up!

• New, higher, premium bonus of 10% for indexed plans
• APP caps as high as 8.55%
• Rates as high as 3.60% for 10 year multi-year guarantees

Call Jeff at ext. 225 or Julie at ext. 233 with for illutrations.  Or, use our quote request tool.

Disability Income 

MetLife has the highest issue and participation limits for your high earning executive and physician clients.

• Non-Medical Exec & Professional Occupation Classes: $20K issue limit, $35K participation limit w/other IDI, $40K participation limit w/group LTD
• Medical Occupation Classes Non-Invasive (5S, 5D): $17K issue limit, $30K participation limit with other IDI, $35K participation limit with group LTD
• Medical Occupation Invasive (5I, 4M): $15K issue limit, $30K participation limit with other IDI, $35K participation limit with group LTD 

Contact Steve Crowe at ext. 222, Ellen Crowe at ext. 223 or Brian Hettmansberger at ext. 230 for quotes, tools and sales strategies.  Also try our online quote request tool.