OPTerm, PennTerm and Term Rider prices are increasing with applications received September 4 and later.
|
|
- Mitchell Dawson
- 8 years ago
- Views:
Transcription
1 A LEGAL & GENERAL AMERICA AGENCY COMMUNICATION TO: LEGAL & GENERAL AMERICA GENERAL AGENTS FROM: FRANK GENCARELLI, SVP, SALES AND MARKETING DATE: AUGUST 6, 2012 OPTerm, PennTerm and Term Rider prices are increasing with applications received September 4 and later. Six Words: Right Reason. Right Price. Right Time. Right Reason: As the investment environment continues on its uncertain path, today s yields mandate that we increase prices on level term in order to remain a profitable company for the long term. We want to be clear that this is driven by investment returns critical to pricing (see attached "The Picture Tells the Story: Investment Yield History/Japan Scenario"), not by any desire to stem the flow of business. We have sufficient capital to fuel our growth, and have executed strategies to cover reserve obligations on the growing volumes of business we hope to write now and in the future. Right Price: s have increased across many ages and rating classes (there are no decreases). We make no apologies for this. The long-term ability of the company to deliver on its promises is the most important consumer benefit we provide. But we ve been smart about it: our rank among the thirteen key competitors we routinely follow has not changed in our usual comparison cells. Sample premiums (old and new) and rankings are included with this announcement. Right Time: You have a generous period of time until August 31 to close any cases that have been initiated with current rates.
2 And there s a whole lot more that s right about LGA term: True Term Unlike Term UL, our true term design is not under regulatory threat to increase reserve requirements. In fact, most experts hold the view that the eventual adoption of principal-based reserves will relax reserve requirements on true term. Complete Term Portfolio Offering 10, 15, 20 and 30-year term plans. We re competitively strongest even at the new rates on our 30-year plans. Underwriting Strengths Premiums for table-rated cases are calculated using Standard rates. Sometimes our Table 2 will cost less than another company s standard. MediGuide Medical Second Opinion Available at no cost to the buyer. Included with new Banner policies in all states except Kansas, Montana, York and Washington. Term Riders Ladder coverage as many as four layers deep with a fully integrated base plan and rider package that charges but one policy fee. The Company COMDEX 96, a member of a group that is the 10 th largest insurance company in the world, the #7 writer of ordinary face amount in the US in 2011, and more. Kudo-Winning Platforms AppAssist, MobileSuite and our user-friendly website tools. The People We communicate, we blog, we Prezi, we make cartoons, we re cool. And more importantly, we feel compelled to be on the up and up with you to always tell you the truth. Life Value Term This innovative plan that helps you save cases and helps clients purchase the amount they need is still available and the rates will not change on September 4. All applications received September 4 and later will be issued with the new rates no exceptions. Please pay careful attention to the Administrative Guidelines that follow.
3 ADMINISTRATIVE GUIDELINES AND MARKETING MATERIALS FOR BANNER AND WILLIAM PENN TERM RATE INCREASES Product Availability by State There are no changes in state availability. Banner: OPTerm plans and the new rates are available in all states except York. William Penn: Penn Term plans and the new rates are available in York only. The current product availability by state list is posted on the Go-to Resources page of our website ( Illustrations Illustration Manager quoting engine including Illustration Manager Desktop Software, MobileQuote and the online Illustration Manager (term only) will be available with the new term rates on Friday, August 31, The new version numbers will be Version 17.5 (Banner) and Version 8.7 (William Penn). The Illustration Manager Desktop Software can download from our website ( Term products are fully guaranteed and therefore do not require a signed illustration. Note: There will be a Banner Illustration Manager release for Version 17.4 in mid August that will not contain new term rates. Third party vendors such as Compulife, Ebix and ipipeline will be provided rates shortly and we expect all to have the new term rates available September 4, Compensation Commission rates will remain unchanged. Business Submission The new rates will apply to all applications received at the respective home office on or after September 4, Pending Business Applications received at the respective home office by August 31, 2012 will receive the current rates that were effective November 1, rates will apply to all applications received on or after September 4, AppAssist AppAssist Request for Life Insurance Interviews received at the respective home office by August 31, 2012 will receive the current rates that were effective November 1, rates will apply to all Request for Life Insurance Interviews received on or after September 4, Marketing Materials An assortment of marketing materials will be available by August 31, 2012.
4 THE PICTURE TELLS THE STORY: INVESTMENT YIELD HISTORY This chart shows investment yield curves. They show yields on corporate bonds, selling at par. On the left are yields for the shortest investments. To the right are yields on the longest, 20 and 30 year investments. Though yields at the short end of the curve have been low for some time, the more recent fall in longer-duration yields is an indication of diminished confidence by the market that rates will rise. Many experts describe the current interest rate environment as the most challenging they ve ever faced, and the future interest rate environment as the most uncertain. Though most believe interest rates will eventually rise, no one knows when, and there are forces (such as Operation Twist) external to the natural market keeping them down. Surely, no one can guarantee today s prices through a Japan scenario. What s a Japan scenario? Recently, Mr. Hiroshi Shimizu, Managing Executive Officer of Nippon Life Insurance Company of Japan, spoke to the ACLI CEO Forum. The following is an excerpt from the notes to that meeting: WE NEED TO BE A FINANCIALLY HEALTHY COMPANY FOR THE LONG TERM TO FULFILL A LIFETIME OF PROMISES. In October 1990, the Japan Government Bond (JGB) interest rate was 7.79 percent. Over the next decade, the rate rapidly plummeted and the low interest rate environment has lasted ever since. Mr. Shimizu told the Forum that competitive pressures pushed life insurers to gradually raise the guaranteed rates on their products despite the low interest rates offered by JGB. Insurers felt optimistic that interest rates would rise again, but they never did.
5 Class Male - 10 Year Term Class Male - 15 Year Term 35 $180 $ % 3 35 $195 $ % 3 45 $355 $ % 3 45 $470 $ % 2 55 $870 $ % 3 55 $1,095 $1, % 2 35 $230 $ % 3 35 $265 $ % 3 45 $440 $ % 3 45 $555 $ % 3 55 $1,015 $1, % 3 55 $1,405 $1, % 2 35 $280 $ % 2 35 $335 $ % 2 45 $555 $ % 3 45 $705 $ % 2 55 $1,365 $1, % 3 55 $1,770 $1, % 2 Class Male - 20 Year Term Class Male - 30 Year Term 35 $265 $ % 2 35 $440 $ % 2 45 $615 $ % 3 45 $975 $ % 2 55 $1,475 $1, % 2 55 $2,805 $3, % 1 35 $350 $ % 2 35 $525 $ % 2 45 $740 $ % 3 45 $1,210 $1, % 2 55 $1,780 $1, % 2 55 $3,405 $3, % 1 35 $440 $ % 2 35 $715 $ % 3 45 $1,010 $1, % 3 45 $1,595 $1, % 3 55 $2,365 $2, % 3 55 $4,300 $4, % 1 based on 13 Peer Competitors: AIG, AXA, Genworth, ING, John Hancock, Lincoln National, Met Life, North American, Protective, Prudential, SBLI, Transamerica, United of Omaha
6 Class Male - 10 Year Term Standard Class Male - 15 Year Term 35 $295 $ % 3 35 $325 $ % 3 45 $585 $ % 3 45 $875 $ % 2 55 $1,585 $1, % 3 55 $2,115 $2, % 4 35 $365 $ % 3 35 $465 $ % 3 45 $795 $ % 4 45 $1,045 $1, % 3 55 $1,965 $1, % 3 55 $2,745 $2, % 2 35 $475 $ % 3 35 $605 $ % 3 45 $1,045 $1, % 3 45 $1,325 $1, % 2 55 $2,555 $2, % 3 55 $3,365 $3, % 3 Standard Class Male - 20 Year Term Class Male - 30 Year Term 35 $455 $ % 3 35 $795 $ % 2 45 $1,155 $1, % 2 45 $1,885 $1, % 2 55 $2,885 $2, % 3 55 $5,545 $5, % 1 35 $635 $ % 3 35 $985 $ % 2 45 $1,405 $1, % 4 45 $2,335 $2, % 3 55 $3,475 $3, % 5 55 $6,515 $6, % 1 35 $805 $ % 3 35 $1,365 $1, % 3 45 $1,955 $1, % 3 45 $3,125 $3, % 3 55 $4,665 $4, % 4 55 $8,065 $8, % 1 based on 13 Peer Competitors: AIG, AXA, Genworth, ING, John Hancock, Lincoln National, Met Life, North American, Protective, Prudential, SBLI, Transamerica, United of Omaha
7 Disclosure Legal & General America life insurance products are underwritten and issued by Banner Life Insurance Company, Urbana, MD and William Penn Life Insurance Company of York, Garden City, NY. Banner products are distributed in 49 states and in DC. Banner does not solicit business in NY. OPTerm policy form # RT-97 and state variations. Premiums are guaranteed to stay level for the initial term period and increase annually thereafter. Premiums quoted include $65 annual policy fee. Legal & General America premiums based on preferred plus nontobacco and preferred non-tobacco, and standard plus non-tobacco underwriting classes. s as of Additional Insurance Riders, form AIR (1-11) and state variations, can provide temporary life insurance coverage for 10, 15 or 20 years after which coverage ceases. Term riders are not available in all states; issue ages vary from base plan. A cost-free MediGuide Medical Second Opinion is included with new policies and administered by MediGuide America. Policy form MMGR(12-09) and state variations. Not approved in KS, MT, NY and WA. The service is not guaranteed for the duration of the policy. The competitive positioning is based upon information from Compulife Quotation System software and is believed to be current as of Premiums are rounded to the nearest dollar. However, its accuracy and completeness cannot be guaranteed. Data is subject to change at any time. Competitor products may have features, costs, provisions and benefits that differ from these policies and may not be available in all states. Changing the variable features (age, state, underwriting class, benefit period, etc.) may cause a change in the competitive results. Details by company illustrate age nearest birthday for preferred plus non-tobacco, preferred non-tobacco, and standard plus non-tobacco/standard non-tobacco underwriting categories. The products listed in the term comparisons are believed to be comparable to OPTerm and Penn Term plans with level guaranteed premiums paid for 10, 15, 20 and 30 year durations. Competitor s products include: American General Life Insurance Company/Select-a-Term 10, 15, 20, 30 (Form # or 09007N), AXA Equitable Life Insurance Company/Term Series 10, 15, 20 (Form # , 150-LT, ), Genworth Life and Annuity Insurance Company/Colony Term UL 10, 20 (Form # ICC09GA1002, GA or GY ), John Hancock Life Insurance Company USA/Term Life 10, 15, 20 (Form # 11TERM), Lincoln National Life Insurance Company/Element Level Term 10, 15, 20, 30 (Form # TRM5065 or TRM5065N), MetLife Investors USA Insurance Company/Guaranteed Level Term 10, 15, 20, 30 (Form # 5E-21-04), North American Company for Life and Health/ADDvantage 10, 15, 20, 30 (Form # LS143AMP), Protective Life Insurance Company/Secure-T 10, 15, 20, 30 (Form # UL-17), Pruco Life Insurance Company/Term Essential 10, 15, 20, 30 (Form # PLTIR-2009, PLTI-2008, PLTIC-2008), ReliaStar Life (ING) /TermSmart 10, 15, 20 (Form # 1177R and 1177R-NY), Saving Bank Life Insurance Company of MA/T-10,T-15,T-20,T-30 (Form # B-46), Transamerica Life Insurance Company/Trendsetter Super Series 10, 15, 20, 30 (Form # , , , , , ), and United of Omaha Life Insurance Company/Term Life Answers 10, 15, 20, 30 (Form # 6179L-0696, 6181L-0696, 6182L-0696, 7064L-0203). The form numbers for these competitor products may vary by state. Two-year contestability and suicide provisions apply. Policy descriptions provided here are not a statement of contract. Please refer to the policy forms for full disclosure of all benefits and limitations. For broker use only. Not for public distribution.
Standard or Better TOP. Available Maximum Face Amount per Lifetime
S E R I E S Top & Top Plus program details Two Programs with Accelerated Underwriting Transamerica Life Insurance Company offers two accelerated underwriting programs that enable qualifying applicants
More informationGuarantee Conversion Conversion Accelerated
10 Year Term Warehouse American General Select-a-Term 10 American National Signature Term 10 Aviva Life & Annuity Term 10 AXA Equitable Term 10 Banner OPTerm 10 Genworth Colony Term 10 ING ReliaStar TermSmart
More informationTOP and TOP Plus Programs 1
TOP and TOP Plus Programs If clients have been sold a term policy within the past 5 years and have been fully underwritten by an eligible carrier CLICK on the buttons below to view TOP and TOP Plus eligibility.
More informationStandard or Better TOP. Available Maximum Face Amount per Lifetime
Top & Top Plus program details Two Programs with Accelerated Underwriting Transamerica Life Insurance Company offers two accelerated underwriting programs that enable qualifying applicants to receive up
More informationBROKER GUIDE. APPASSIST
BROKER GUIDE. Our agency-applauded AppAssist program is designed to make it easy for you to facilitate the sale of our valuepriced life insurance for America s families. APPASSIST After you ve done the
More informationPreferred or Similar Standard or Similar
TOP & TOP PLUS program details Two Programs with Accelerated Underwriting Transamerica Life Insurance Company offers two accelerated underwriting programs that enable qualifying applicants to receive up
More informationLife Approved Carrier List (11.17.11) Carrier Company Rating Product
Allianz Life Insurance Company AM Best A Indexed S&P AA Indexed Moody's A2 Comdex 87 American General AM Best A 10 year term S&P A+ 15 Moody's A2 Comdex 82 Indexed Survivorship Indexed American National
More informationTOP 15 & TOP 25 Program Details
TERM TOP 15 & TOP 25 Program Details The Transamerica Opportunity Program (TOP) from Transamerica Financial Life Insurance Company offers qualifying clients an easier way to increase or extend their existing
More informationURL INSURANCE GROUP. 2015 LEADERS CONFERENCE. Charlie Towson, CLU Strategic Account Relationship Manager EVERY DAY MATTERS. BANNER. WILLIAM PENN.
URL INSURANCE GROUP. 2015 LEADERS CONFERENCE Charlie Towson, CLU Strategic Account Relationship Manager EVERY DAY MATTERS. BANNER. WILLIAM PENN. LEARNING AGENDA. 1. Who is Legal & General America? 2. What
More informationTerm - Level Term Period
Protective Custom Choice UL 8-14 $451.17 The policy may be replaced (subject to contract terms) without evidence of insurability with any company designated permanent plan of life insurance. The replacement
More informationAll Companies - All Products
Selected Features: Accordia Life - Accordia Term Convertible to any permanent plan of insurance offered by the company without evidence of insurability, in the level term period or to age 75, if earlier.
More informationZoom through Underwriting with TOP 15 and TOP 25
Zoom through Underwriting with TOP 15 and TOP 25 Now you can help your clients steer clear of a lengthy underwriting process and accelerate placement of a new term policy with the Transamerica Opportunity
More informationProspect for New Sales, Without
Prospect for New Sales, Without Requiring Medical Exams! Product TransTerm SM Transamerica Opportunity Program (TOP) is now available on TransTerm SM 10, 15, 20, 25 or 30-year policies. Present clients
More informationTERM CONVERSION PRIVILEGES
Accordia Accordia American General American General American General AXA Term Annual Renewable Term Select A Term ROP Term AG Ultra One Bright Life Term Earlier of level period or age 75 Earlier of ten
More informationMust have been fully underwritten, with blood work, to qualify. If it was issued without blood work/analysis, it is not eligible.
UL TOP Program Details The Transamerica Opportunity Program (TOP) from Transamerica Life Insurance Company offers qualifying clients an easier way to increase or extend their existing term life coverage
More informationTOP and TOP Plus. Standard or Better
TOP and TOP Plus Program Details PRODUCT TransTerm SM Two Programs with Accelerated Underwriting Transamerica Life Insurance Company now offers two accelerated underwriting programs that enable qualifying
More informationLincoln Special Exchange Program
Lincoln Special Exchange Program External term to perm Make the switch to affordable guaranteed protection If your clients want more than what their term policies offer, now s a great time to step up to
More informationTOP Eligible Term Carriers
The following is a comprehensive list of qualifying Term carriers for the Transamerica Opportunity Program (TOP) from Transamerica Life Insurance Company and Transamerica Financial Life Insurance Company.
More informationPrincipal Term Life Insurance. Affordable protection to help drive sales. Sales guide
Principal Term Life Insurance Affordable protection to help drive sales Sales guide Term insurance offers many advantages Target market Term insurance is ideal for individuals who need: > To provide money
More informationAPPASSIST ONBOARDING. EVERY DAY MATTERS. BANNER. WILLIAM PENN.
APPASSIST ONBOARDING. EVERY DAY MATTERS. BANNER. WILLIAM PENN. LEARNING AGENDA. 1. AppAssist OVERVIEW and Guidelines 2. Setting EXPECTATIONS for the Client 3. Agent CONTRACTING 4. How To SUBMIT Business
More informationNAME OF PRODUCT ISSUE AGE MIN. FACE RIDERS
TERM LIFE PRODUCTS NAME OF PRODUCT ISSUE AGE MIN. FACE RIDERS AMERICAN NATIONAL ANICO Select Term (10/15/20/30 Years) 10 Yr: 20-70 15 Yr: 20-65 20 Yr: 20-60 30 Yr: 20-50 $100,000 AMERICAN GENERAL AIG Select
More informationBasic Illustration. Prepared For: Test Client
Basic Illustration Prepared For: Test Client Prepared By: Christopher Huntley Huntley Wealth Insurance 6852 Deep Valley Rd San Diego, CA 92120 ph: 877-443-9467 fax: 619-393-0370 lic #: 0E60169 BANNER LIFE
More informationLife Insurance Product Recommendation Guide
Life Insurance Product Recommendation Guide A Guideline For Agents To Assist In Finding The Right Life Insurance Fit For Their Clients and Prospects This short guide offers recommendations on the preferred
More informationBuild Guidelines 9/2015
Accordia Life Term Products: Accordia Life Permanent Products: AIG Genworth Financial Companies Ages 0-64 Genworth Financial Companies Ages 65+ Legal & General America *For all underwriting classes, half-inch
More informationAUTHORIZATION TO OBTAIN AND DISCLOSE INFORMATION INFORMAL INQUIRY NAME DOB SEX TOBACCO USE
INFORMAL INQUIRY NAME DOB SEX TOBACCO USE ADDRESS CITY, STATE, ZIP HEIGHT WEIGHT SS# PLACE OF BIRTH DL# INSURANCE AMT $ PLAN OF INSURANCE (UL/SUL/TERM) INSURANCE IN-FORCE $/ INSURANCE CARRIERS REPLACEMENT/1035?
More informationSALES AND SALES SUPPORT
Welcome to Crump Life Insurance Services! Offering you a world of insurance solutions and world-class service Advisor Group welcomes you to a new life insurance brokerage relationship with Crump Life Insurance
More informationCHOLESTEROL. Super Pref 0-70 4.5 220 Treated or untreated
Best Risk Classification John Hancock Super Pref 71+ n/a 280; HDL>40 (All products) Super Pref 71+ n/a 150-250; HDL>45 ING (Males Only) Super Pref 61+ 6.0 300 ING (Females Only) Super Pref 61+ 5.5 300
More informationA Review of the Advisors Resource, LLC Business Opportunity
welcome. At Advisors Resource, we are very excited about forming this partnership with you.the following pages provide a general overview of how we can help your business succeed. Please don t hestitate
More informationAppAssist. The Agent s Guide to
The Agent s Guide to AppAssist Banner Life s AppAssist program is designed to make it easy for you to facilitate the sale of high-quality, low-cost term life insurance. Now available with LAA1363 (6/08)
More informationApproved Annuity and Insurance Carriers
Approved Annuity and Insurance Carriers Revised February, 2010 - Internal Use Only *Top Companies * Underwriting * Products * Compensation Universal Life Whole Life Survivor Annual Renewable Term (ART
More informationEXTERNAL EXCHANGE / CONVERSION PROGRAMS
Carrier Program Type of Program Exchange Products EXTERNAL EXCHANGE / CONVERSION PROGRAMS Issue Ages (on New Product) Minimum Face Maximum Face Original Policy Issue (Prior to Exchange) 01-2013 Original
More informationTERM LIFE INSURANCE. Carrier Name of Product Issue Ages Minimum Face Amount Riders
TERM LIFE INSURANCE Carrier Name of Product Issue Ages Minimum Face Amount Riders American General AG Select - a - Term AG ROP Select-a-Term 10 Year: 20-70 15 Year: 20-70 16 Year: 20-70 17 Year: 20-70
More informationAppAssist. The Agent s Guide to
The Agent s Guide to AppAssist Banner Life s AppAssist program is designed to make it easy for you to facilitate the sale of high-quality, low-cost term life insurance. Now available with LAA1363 (4/06)
More informationLife Insurance Portfolio. Foundations for Life. You ll discover real differences with us
Life Insurance Portfolio Foundations for Life You ll discover real differences with us For broker/dealer use only. Information contained in this booklet is not to be used with the general public. All competitive
More informationOPTerm 20 (guar 20) Preferred Plus Non-Tobacco NOTE: Rates Effective 10/26/2009
Banner Life + ReliaStar Life Insurance Company (ING) + Genworth Life and nnuity Insurance Company M Best Genworth Life Insurance Company M Best merican General Life Companies + Transamerica Life Insurance
More informationVolume LIFE DIVISION AGENT GUIDE
Volume 1 LIFE DIVISION AGENT GUIDE Top 10 reasons to do business with Levinson & Associates 1. Free agent websites with lead capture 2. Highly discounted E&O program for our agents only 3. Highly discounted
More informationAccordia Life Assumption Mailings Start in July Learn more. Time Tested Experience Learn more. Financial Perks of Turning 50 Learn more.
Accordia Life Assumption Mailings Start in July Now that Accordia Life has been launched, they will begin transitioning in-force life insurance policies from Athene (previously Aviva) to Accordia Life.
More informationBuild Guidelines 1/2015
Accordia Life Term Products: Accordia Life Permanent Products: AIG Genworth Financial Companies Ages 0-64 Genworth Financial Companies Ages 65+ Legal & General America Lincoln National MetLife The weights
More informationAdvantage Elite 10. Premium comparison. Competitive premiums from a highly rated company. Advantage Elite 10
Advantage Elite 10 Feale, Age 55 $1 illion face aount Copany Preferred-Select Preferred Minnesota Life $1,150 $1,430 Lincoln $1,165 $1,435 AXA $1,195 $1,495 ING Reliastar $1,195 $1,495 Genworth $1,210
More informationSmoker/Non-Smoker Guidelines
Page 1 of 7 American General Plus Non-Tobacco Non-Tobacco Standard Plus No tobacco for 5 years No tobacco for 4 years No tobacco for 3 years No tobacco for 2 years An occasional cigar smoker may qualify
More informationHelp your clients find the right Lincoln universal life and term policy
For agent and broker use only. Not for use with the public. Help your clients find the right Lincoln universal life and term policy Lincoln Universal Life and Term Portfolio At-A-Glance Five reasons why
More informationPrincipal 10-Year Term FOR PRODUCERS. Rate Comparisons
Principal 10-Year Term FOR PRODUCERS Rate Comparisons Principal 10-Year Term insurance is competitively priced for clients seeking protection for a guaranteed level of time at an affordable cost. Take
More informationJLTexpress APP. How it Works. Carriers Available. Toll Free 800.222.4090
JLTexpress APP The easiest way to sell term life insurance. How it Works The broker completes the JLTexpress APP and submits via email or fax. Depending on the carrier you may have to complete to complete
More informationLincoln universal and term life insurance portfolio at-a-glance
FOR LIFE Universal and Term Life Insurance Lincoln universal and term life insurance portfolio at-a-glance Product Menu The Lincoln National Life Insurance Company Lincoln Life & Annuity Company of New
More informationSmoker/Non-Smoker Guidelines
Page 1 of 8 American General Preferred Plus Non-Tobacco: No tobacco for 5 years Preferred Non-Tobacco: No tobacco for 3 years Standard Plus: No tobacco for 1 year Standard Non-Tobacco: No tobacco for 1
More informationTerm Insurance Update
Term Insurance Update November 19, 2009 Michael Fox, FSA, MAAA 2 nd Vice President Protective Life Insurance Term Insurance Update LIMRA 2 nd Quarter Sales Report Historical Rate Trends Redundant Reserves
More informationProducer Guide. External Term Conversion Program LIFE INSURANCE UPDATED DECEMBER 2012
External Term Conversion Program LIFE INSURANCE Producer Guide UPDATED DECEMBER 2012 External Term Conversion Overview Through the External Term Conversion program, MetLife 1 will allow a conversion from
More informationSingle Premium Immediate Annuities Last update November 24, 2014
AIG Annuities Allianz American National Genworth Genworth NY Amer. Pathway Immediate Immediate Annuity Palladium Immediate Annuity SL Income Provider SL Income Provider NY A Best A Best A Best A Best A
More informationTERMout 1. JUMPin Additional Insurance Program. Exceptional Underwriting Programs From National Life Group Available Through 12/31/2013
Exceptional Underwriting Programs From National Life Group Available Through 12/31/2013 TERMout 1 Term Insurance Conversion Program Convert term from companies on our approved list with reduced underwriting
More informationIMMEDIATE ANNUITIES TO FUND LIFE INS.
IMMEDIATE ANNUITIES TO FUND LIFE INS. Using a SPIA to Fund Life Insurance Earn 2 Commissions Example: Male Age 6 in Florida With a $5, IRA Goal: The client would like to pass this money to his heirs tax
More informationEEA Life Settlements Fund PCC Limited
EEA Fund Management (Guernsey) Limited EEA Life Settlements Fund PCC Limited Portfolio Statistics as at 31 March 2012 Valuation of the net asset value of all classes of participating shares in EEA Life
More informationLiving Promise Whole Life Insurance
United of Omaha Life Insurance Company Companion Life Insurance Company Mutual of Omaha Affiliates Living Promise Whole Life Insurance Product and Underwriting Guide U8500_0813 For producer use only. Not
More informationInformal Inquiry Not an Application for Life Insurance
Print Form Informal Inquiry Not an Application for Life Insurance Date: Producer: Face Amount: Product Type: PERSONAL INFORMATION Applicant: Male Female DOB: SS#: Driver s License #: Place of Birth: Street
More informationA Case Study of Long-Term Care Product Alternatives
A Case Study of Long-Term Care Product Alternatives Jim Pittman Insurance Consulting Services, Inc. Email: jim@icspdx.com Phone: 503-542-4085 Web: www.icspdx.com March 2012 Overview Long-term care (LTC)
More informationFIUL web banner ads are now available, giving you another way to market to prospective clients. Learn more.
Accordia Life Accordia Life Launches New Underwriting Program On May 1st, Accordia Life launched a new underwriting program called Accordia Life Credits, which is a robust, personalized underwriting program
More informationProduct Reference Guide
FOR LIFE Product Reference Guide Lincoln LifeElements Level Term (2011) This information was compiled by Product & Distribution Support. For questions contact Annie Raasch annie.raasch@lfg.com. Hello future.
More informationAMERICAN GENERAL. AM Best S&P Moody's Fitch Company Ratings A A+ A2 A+ Details may vary by state. Not all plans or riders are available in all states.
AMERICAN GENERAL Company Ratings A A+ A2 A+ Select-A-Term 10 years: 20-80 15 years: 20-75 20 years: 20-70 25 years: 20-63 years: 20-55.0875,.265,.52 25, 10 = 55% 15 = 75% 20 = 80% 25 = 80% = 80% $100K
More informationLincoln life insurance portfolio at-a-glance
FOR LIFE Lincoln life insurance portfolio at-a-glance Product Menu The Lincoln National Life Insurance Company Lincoln Life & Annuity Company of New York Not a deposit Not FDIC-insured May go down in value
More informationPRODUCT GUIDE ONE YEAR TERM SERIES 155B BRIGHTLIFE TERMONE MARKETING LAUNCH: NOVEMBER 3, 2014 NEW BUSINESS ACCEPTED: NOVEMBER 10, 2014
ONE YEAR TERM SERIES 155B BRIGHTLIFE TERMONE PRODUCT GUIDE MARKETING LAUNCH: NOVEMBER 3, 2014 NEW BUSINESS ACCEPTED: NOVEMBER 10, 2014 1 BRIGHTLIFE TERMONE TABLE OF CONTENTS INTRODUCTION... 4 Highlights...
More informationAGENTS GUIDE TO SELLING THIS PRODUCT
Term Life Insurance AGENTS GUIDE TO SELLING THIS PRODUCT Taking Care of Your Financial Security Now www.unitedhomelife.com 800-428-3001 Term Life Insurance Our term life insurance portfolio offers a variety
More informationfinancial strength benchmarking of life insurance competitors
financial strength benchmarking of life insurance competitors HC 1001 5-13 financial strength benchmarking of life insurance competitors Ameritas Mutual Holding Company s (Ameritas) core financial strength
More informationMutual of Omaha. Mark Lyons JD CLU ChFC CEBS MSFS Life Brokerage Sales Director
Mutual of Omaha Mark Lyons JD CLU ChFC CEBS MSFS Life Brokerage Sales Director Product Philosophy We re a full service, multi-line organization. Mutual of Omaha Insurance Company (founded in 1909) Underwrites
More informationSOA 2013 Life & Annuity Symposium May 6-7, 2013. Session 28 PD, Life Protection Product Update. Moderator: Robert P.
SOA 2013 Life & Annuity Symposium May 6-7, 2013 Session 28 PD, Life Protection Product Update Moderator: Robert P. Stone, FSA, MAAA Presenters: Jeremy Allen Bill, FSA, MAAA Elizabeth H. MacGowan, FSA,
More informationMutual of Omaha Insurance Company United of Omaha Life Insurance Company Companion Life Insurance Company Product Portfolio
Mutual of Omaha Insurance Company United of Omaha Life Insurance Company Companion Life Insurance Company Portfolio Life Insurance brokerage As of July 2014 For producer use only. Not for use with the
More informationHow To Get A Travel Insurance Policy
INDEX Executive Summary...3 Summary of Company Responses...4 Examinations and Consumer Complaints...7 List of Companies Asking Travel Related Questions...8 Section 626.9541(1)(dd), Florida Statutes: Life
More informationMEMBER OFFICE INFORMATION. Agent Name: Phone: Email: PLAN INFORMATION. Type of Insurance: o TERM o UL Face Amount Desired:
I n f o r m a l I n q u i r y PLEASE SEND THE COMPLETED INQUIRY VIA EMAIL TO: CPEPE@TOLIGROUP.COM VIA FAX TO: 866.240.7557 OR VIA MAIL TO: ATTENTION UNDERWRITING DEPARTMENT 2035 CROCKER RD. STE. 105 WESTLAKE,
More informationS&P 2012 Variable Annuity & Life Insurance Summit October 9, 2012
S&P 2012 Variable Annuity & Life Insurance Summit October 9, 2012 Robert A. Kerzner, CLU, ChFC President and Chief Executive Officer LIMRA, LOMA & LL Global, Inc. Opportunities Negative Disruptors Demographics
More informationLife Settlement application and Checklist
and Checklist Page 1 of 7 Life Settlement Checklist Please make sure to complete each section in its entirety. Missing information will delay our ability to market your case and ultimately secure a settlement
More informationInternal Replacement Guidelines
Internal Replacement Guidelines MAY 2015 All John Hancock branded life insurance products (with the exception of COLI, BOLI, and products issued with a simplified underwriting process) are subject to the
More informationQUOTE TODAY! AG Select-a-Term. Top 10 reasons to sell American General s. AG Select-a-Term
AG Select-a-Term Top 10 reasons to sell American General s AG Select-a-Term QUOTE TODAY! For more information: www 1 Market-leading position in 15, 20, 25, and 30 year term non-tobacco classes 1 2 17 available
More informationLong-term Care Insurance: A Product and Industry in Transition
Long-term Care Insurance: A Product and Industry in Transition Presented to NAIC Senior Issues Task Force by Marc A. Cohen, Ph.D. LifePlans, Inc. Gaylord Convention Center in National Harbor, Maryland
More informationApproved Annuity and Insurance Carriers
Approved Annuity and Insurance Carriers Top Companies. Underwriting. Products. Compensation Universal Life Whole Life Survivor Annual Renewable Term (ART) Level Term 5-10-15-20-25-30 ROP Term Fixed Annuities
More informationORDINARY LIFE BUSINESS... 1 CREDIT LIFE BUSINESS... 2 GROUP LIFE BUSINESS... 3 INDUSTRIAL LIFE BUSINESS... 4 TOTAL LIFE BUSINESS...
YEAR 2011 ORDINARY LIFE BUSINESS... 1 CREDIT LIFE BUSINESS... 2 GROUP LIFE BUSINESS... 3 INDUSTRIAL LIFE BUSINESS... 4 TOTAL LIFE BUSINESS... 5 ORDINARY ANNUITIES BUSINESS... 6 GROUP ANNUITIES BUSINESS...
More informationTopics We ll Review. NGL background. Product design. Premiums. Underwriting
Product Overview The NGL product is pending state approval. National Guardian Life Insurance Company is not affiliated with The Guardian Life Insurance Company of America a.k.a. The Guardian or Guardian
More informationLincoln LifeElements Level Term
LINCOLN FOR LIFE Client Overview Lincoln LifeElements Level Term Get the term coverage you need at a price that may surprise you The Lincoln National Life Insurance Company Lincoln Life & Annuity Company
More informationApproved Annuity and Insurance Carriers
Corporation Approved Annuity and Insurance Carriers Top Companies. Underwriting. Products. Compensation Universal Life Whole Life Survivor Annual Renewable Term (ART) Level Term 5-10-15-20-25-30 ROP Term
More informationBenefits of Selling WorkLife 65
PruTerm WorkLife 65 SM LEARN ABOUT THE PRODUCT AND MARKET Benefits of Selling WorkLife 65 Pru s new and innovative term product will resonate with your clients. WorkLife 65 is a new and innovative term
More informationInvestment in Life Settlements: Certainty in Uncertain Times
Investment in Life Settlements: Certainty in Uncertain Times A Life Settlement is the sale of an in-force life insurance policy to a third party for an amount less than its death benefit, but greater than
More informationSilver Guard Series Rate Book
Powered by INSpeed One call does it all! Silver Guard Series Rate Book Career Agency Sales Group Table of Contents Plan Information...Page 1-2 Silver Guard I Life Pay Rates...Page 3-4 Silver Guard I Ten
More informationTaking care of life before you go
AGENTS GUIDE TO SELLING THIS PRODUCT Taking care of life before you go 800.428.3001 Total Protection III is a Whole Life portfolio that combines three distinct products in one, easy-touse application.
More informationOTHER ACCIDENT ONLY BUSINESS... 22 ALL OTHER A&H BUSINESS... 23 TOTAL OTHER INDIVIDUAL CERT... 24
ORDINARY LIFE BUSINESS... 1 CREDIT LIFE BUSINESS... 2 GROUP LIFE BUSINESS...... 3 INDUSTRIAL LIFE BUSINESS... 4 TOTAL LIFE BUSINESS... 5 ORDINARY ANNUITIES BUSINESS...... 6 GROUP ANNUITIES BUSINESS...
More informationWest Coast Life LifeTime Platinum III UL WCLAG.1459 (03.10) Producer / Broker Guide
West Coast Life LifeTime Platinum III UL WCLAG.1459 (03.10) Producer / Broker Guide Meeting Your Clients Needs Your clients financial situations and personal goals are unique to them. Helping your clients
More informationImportant Information about your Annuity Investment
Robert W. Baird & Co. Incorporated Important Information about your Annuity Investment What is an Annuity Contract? An annuity is a contract between you and an insurance company, under which you make a
More informationOur strength, your security RiverSource Life Insurance Co. of New York
December 2015 Our strength, your security RiverSource Life Insurance Co. of New York The company you choose matters. When you choose RiverSource Life Insurance Co. of New York, you want to be confident
More informationLife Insurance Review
Life Insurance Review As a financial professional, you understand the importance of preparing for the unexpected... as well as for the inevitable. Your clients insurance portfolio should be reviewed periodically
More information2015/16 Carriers At-A-Glance Insurance Marketing Since 1972 for Life, DI, CI, Annuity, LTC, Life Settlements & Accident
2015/16 Carriers At-A-Glance Insurance Marketing Since 1972 for Life, DI, CI, Annuity, LTC, Life Settlements & Accident Term Coverage Carrier Product E-App Drop Ticket Lightning Issue Term Select a Term
More information9 ANSWERS EVERY INVESTOR NEEDS TO KNOW ABOUT ANNUITIES
9 ANSWERS EVERY INVESTOR NEEDS TO KNOW ABOUT ANNUITIES You may have received, or have been asked to download, information about annuities produced by someone who doesn t sell them or doesn t believe you
More informationCompletion of a fact finder will accelerate the underwriting process
QUICK FACT-FINDER TOOLS All personal information protected by HIPPA regulations (see HIPPA form attached with supplemental forms) Completion of a fact finder will accelerate the underwriting process Name:
More informationBuyer s Guide for. Deferred Annuities. Fixed
Buyer s Guide for Deferred Annuities Fixed Prepared by the NAIC National Association of Insurance Commissioners The National Association of Insurance Commissioners is an association of state insurance
More informationTerm Conversion & Contractual Exchange Reference for The Hartford Products
Term Conversion & Contractual Exchange Reference for The Hartford Products CREATED EXCLUSIVELY FOR FINANCIAL PROFESSIONALS EFFECTIVE OCTOBER 7, 2013 This document provides an overview and requirements
More informationThe Infinite Banking Concept (aka Becoming Your Own Banker ): One Actuary s Commentary
The Infinite Banking Concept (aka Becoming Your Own Banker ): One Actuary s Commentary Advisors sometimes call LLIS because their clients have been approached by an insurance salesperson pitching a concept
More informationBanner. Life Choice UL. Your Company For Life. Flexible premium universal life insurance with lifetime no-lapse coverage guarantees
Banner Your Company For Life Life Choice UL Flexible premium universal life insurance with lifetime no-lapse coverage guarantees DESCRIPTION: Life Choice UL is a flexible premium universal life insurance
More informationApproved Annuity and Insurance Carriers
Corporation Approved Annuity and Insurance Carriers Top Companies. Underwriting. Products. Compensation Universal Life Whole Life Survivor Annual Renewable Term (ART) Level Term 5-10-15-20-25-30 ROP Term
More informationZurich Term Death Benefit Protection With Options
Zurich Term Death Benefit Protection With Options Offered by Zurich American Life Insurance Company Zurich Term life insurance provides death benefit protection plus a contractual right to convert to any
More informationPLC.3118 (04.15) UNIVERSAL LIFE INSURANCE Optional Endorsements and Riders Reference Guide
PLC.3118 (04.15) UNIVERSAL LIFE INSURANCE Optional Endorsements and Riders Reference Guide At Protective Life, we understand that every family or business situation is unique. Our universal life policies
More informationPrincipal Life Insurance Company Des Moines, Iowa 50392-0001 www.principal.com
WE UNDERSTAND WHAT YOU RE WORKING FOR SM Principal Life Insurance Company Des Moines, Iowa 50392-0001 www.principal.com This information is believed to be accurate and authoritative in regard to the subject
More informationProduct guide. Term Life Insurance. c o l o n y 1 0 / 1 5 / 2 0 / 3 0. Underwritten by. Lynchburg, VA. s u r e t e r m 1 0 / 1 5 / 2 0 / 3 0
Product guide Term Life Insurance c o l o n y 1 0 / 1 5 / 2 0 / 3 0 Underwritten by Genworth Life and Annuity Insurance Company Lynchburg, VA For Producer/Agent information only. Not to be reproduced or
More information