Core Carriers Curated News from IDA’s · Life’s Indexed Universal Life (IUL) product ... This...
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For the week of March 9, 2020 Curated News from IDA’s Core Carriers Life Provides us with Surprises from Time-to-Time! When it does, one option is to access cash value within our life insurance policies. Here is a client approved marketing piece on how a client can use cash value within their life insurance policy (also a great piece to use when explaining “what is cash value life insurance”). Check the flyer out here! Caps and Par Rates in a Low Interest Rate Environment As the low interest rate environment continues, more and more advisors and clients are inquiring about how caps and participation rates are determined. Here is a great financial advisor piece which provides insight on the topic. Sell VUL? Check out a wonderful concept piece around finding a competitive death benefit option using a VUL, along with a chronic illness solution. Distinctly Crafted Uncapped Strategy for
Transcript of Core Carriers Curated News from IDA’s · Life’s Indexed Universal Life (IUL) product ... This...
For the week of March 9, 2020
Curated News from IDA’sCore Carriers
Life Provides us with Surprises fromTime-to-Time!
When it does, one option is to access cashvalue within our life insurance policies. Hereis a client approved marketing piece on howa client can use cash value within their lifeinsurance policy (also a great piece to usewhen explaining “what is cash value lifeinsurance”).
Check the flyer out here!
Caps and Par Rates in a Low InterestRate Environment
As the low interest rate environmentcontinues, more and more advisors andclients are inquiring about how caps andparticipation rates are determined. Here is agreat financial advisor piece which providesinsight on the topic.
Sell VUL?
Check out a wonderful concept piecearound finding a competitive death benefitoption using a VUL, along with a chronicillness solution.
Distinctly Crafted Uncapped Strategy for
Maximum Growth Potential In addition to the Death Benefit, Columbus
Life’s Indexed Universal Life (IUL) producthelps offer clients accumulation potentialwith its distinctly crafted uncapped annualpoint-to-point indexed account with spread.This indexed account is unlike any other inthe industry in that it can give clientsuncapped index returns with full marketparticipation, plus the ability to earn interestcredits from first dollar — making it trulystand out in a crowd. Learn more
Avoid Unnecessary Delays in theUnderwriting Process
Columbus Life’s Director of Underwritingexplains how you can help ensure you’reproviding the details an underwriter islooking for. Watch now
Columbus Life Telephone SupportUpdates
To better serve our producers and ourpolicyholders, we have made updates toour telephone support system. Find outmore
IUL Express in Four Simple Steps Looking for training on IUL Express?
Review our IUL Express process guide,which walks you through the four simplesteps for selling IUL Express.
Don't Miss Our Simplified Issue NewAgent Webinars
If you are a new agent, make sure youmark your calendar to learn the tools andtricks to help you be successful.
Return of Premium on LTC... Like aMoney-Back Guarantee
Return of premium can turn a skepticalprospect into a confident customer. Find outhow!
Five Reasons Women Need LifeInsurance
It’s no secret that women are underinsuredcompared to men. We’ve put together someof the key reasons why it’s important forwomen to get adequate coverage for theirneeds. Share the flyer with prospects andclients.
The Term Rider Advantage – meetingcoverage needs today and tomorrow
Price is often the reason people choose alower face amount than their agent advisesand they don’t always think about thefuture. With Legal & General America, youcan stack up to three Term Riders withlarger face amounts on a smaller, longerduration base policy. This strategy saves onpolicy fees and helps clients get the rightamount of coverage for the right amount oftime.
A Term + Perm Solution Will Leave YourClients Feeling Lucky
Mix 40-year Term plus full protection clientsneed for the long term at a price they canafford. What could your clients do withsavings like these?
Is it Time for a Life Insurance Checkup? Life changes fast. Have your clients’
policies kept up? Now’s the perfect time fora life insurance policy review. Use thishandy client worksheet to start theconversation.
5 Steps to Easy Policy Reviews
Check out this Pacific Life Policy ReviewField Guide to prepare, prospect, andconduct more effective policy reviews.
The $12 Trillion Opportunity
Odds are your clients may be underinsured.
This infographic from Pacific Life shows thetop three opportunities in life insurance.
Experience the Life You Want to Live inRetirement
Experience the life you want to live inretirement with the Guaranteed LifetimeIncome Rider. Read more.
Does the Recent Market Volatility HaveYour Clients Concerned?
If the recent market volatility has yourclients on edge, utilize one of our top-usedmarketing pieces, “Haven’t Lost aPenny,” that has just been updated with2020 information. Read more.
Sales Secrets from Top Producers
We had to ask, what are our AffiliatedAgency Leaders secrets to success andhow can you better position yourself forgrowth in 2020? Hear from some of our topproducers… Read more.
SECURE Act of 2019 The SECURE Act, one of the most
comprehensive retirement legislationspassed into law in nearly a decade, wentinto effect on January 1. It aims toencourage consumers and businesses toimprove saving for retirement. And though ithas created many favorable planningopportunities, it has also created newobstacles for existing wealth transfer plans,particularly those involving a beneficiaryinheriting an IRA. To keep you in the know,Equitable has designed several lifeinsurance resources.
View our case studies.Listen to a webinar recording. Share our client flyer.
See How Equitable’s VUL OptimizerStacks Up Against the Competition
LIRPs are a great complement to traditionalretirement plans offering tax-deferredgrowth, potentially tax-free distributions andno limits on annual contributions. See howEquitable’s VUL Optimizer, one of the mostcompetitive VUL products in the market,stacks up against the competition.
Long-Term Care Solutions that SpousesCan Agree On
Did you know that 75% of people who buylong-term care (LTC) policies are membersof a couple, but women are more likely topurchase than men? Click here to learnmore!
Help Clients Create a ComprehensiveRetirement Income Plan
The Nationwide Retirement Institute’sSocial Security 360® program helps yourclients optimize Social Security filingdecisions for a more comprehensiveretirement income plan. Click here to learnmore!
How to Turn Variable Annuity into aPotentially Larger Legacy
Nationwide® has a possible solution. Byrepositioning a variable annuity into ourVariable Universal Life (VUL) Accumulatorproduct with our single-premium pay option,your client can reposition their currentvariable annuity assets into Nationwide’sVUL Accumulator to potentially maximizegrowth and still provide cash liquidity ifthere is a long-term care need. Click here tolearn more!
All New York Applications SubmittedMust Comply with Reg 187
NY Reg 187 went into effect on Feb. 1,
requiring compliance with the newregulation before any application issubmitted. Our transition period allowingapplications signed before Feb. 1, butsubmitted after, has expired. EffectiveMarch 1, new NY applications and thosemeeting inforce transaction requirementsmust comply with Reg 187, regardless ofthe date signed.
For full details, read this action plan, nowupdated to include common Q&As.
It’s a Good Year for One Year. Learn strategies on delivering better results
through a one-year fixed indexed annuitystrategy. Click here to learn more.
Fidelity AIM Dividend Index Availablewith your Lincoln Fixed Indexed Annuity
If you’re looking to benefit from marketupside potential with less exposure tomarket volatility, the Fidelity AIM DividendIndex may be a great option. Available withyour fixed indexed annuity, the 1 YearFidelity AIM Dividend Participation accountis tied to the Fidelity AIM Dividend Index.
Advanced Sales Concepts – Trusts asOwner or Beneficiary of Care SolutionsProducts
There are many different types of trustswhich are created for various clientpurposes. In Many situations, a CareSolutions product may be suitable for usewith a trust. Click here to learn more.
Maintaining Joint Life Asset-Care afterDivorce
The need to protect against long-term careexpenses doesn’t disappear once amarriage has ended. Dividing belongings,homes and assets can be difficult, butcontinuing your joint life Asset-Careprotection doesn’t have to be. Click here tolearn more.
Care Solutions, Learning Opportunities
Want to get more versed in our productportfolio? The OneAmerica Care SolutionsLive Deep Dives webinar series goes in-depth on topics related to our asset-basedlong-term care (LTC) protection. Join ourfree webinars every other Friday from 11 to11:30 a.m. ET.
Click here for the Q1 and Q2 2020schedule and to register for a time.
Global Atlantic is Committed to KeepingOur Promises
Click HERE for flyer you can use withprospects and clients to inform them howGlobal Atlantic is fulfilling the promises wemake to our policy holders year after year.
WEBINAR INVITE!
Global Atlantic’s new IUL, GlobalAccumulator with SMART Buy-Ups debutsMarch 16. Register now for a specialSALES IDEAS webinar! Click HERE toregister for the training webinar introducingGlobal Accumulator IUL on March 2nd.
This Process is a Game Changer! Here’s an example of how the speed,
consistency and convenience of SBLI’sAccelerated Underwriting (AU) process canbenefit your business and clients quickly!
“SBLI was a game changer from thebeginning. One Friday, an agent dropped aticket and a phone interview wascompleted. A file was set up at SBLI andapproved by Wednesday and the policywas issued within 24 business hours!” Click here for more information and ourcustomizable marketing piece!
SBLI Term-at-a-Glance
SBLI Brokerage offers a complete range ofguaranteed level term insurance optionsproviding both affordable protection andadaptability to meet your clients’ variedneeds.
Click here for more details.
SBLI Whole-at-a-Glance Offer your clients a financial tool that
combines a dependable death benefit withsuperior flexibility to meet current financialobligations — and earn very competitivecommissions!
Click here for more details
REPEAT: Women May Be The Key ToGrowing Your Practice
Despite rising social power, many womenare feeling less financially confident thanthey were in years past. This could presenta broad opportunity for tapping into thewomen's market. Find Out More
REPEAT: Inforce Illustrations at YourFingertips
You now have the ability to run your own lifeinsurance inforce illustrations with our self-service inforce illustration tool. Stop waitingand start running them today!
Use The Tool Now
REPEAT: Streamline Your Business withTeleLife
Watch this short video to see how ourTeleLife team takes the administrative workoff of your plate – giving you more time tomeet with clients and make the sale.
REPEAT: Making Electronic PolicyDelivery Even Better
We’ve just released new enhancements toour electronic policy delivery that make iteven faster to get a policy in a client’shands. Here’s the latest news.
REPEAT: Save Even More Time withProtective Velocity
The numbers don’t lie – our ProtectiveVelocity suite of digital capabilities makessubmitting and placing business withProtective even easier. Whether you use allof our platforms or just one, you can shave
days off of the application process. Here’sthe latest news on the number of dayswe’re saving you from submission tocommission.
Cut the Small Talk Video AIG index annuities offer “so many options”
for more income, more choice, moreflexibility – with lifetime income protection. Watch the video!
2020 Key Reference Guide NowAvailable
AIG's easy reference guide contains taxfacts, exemptions, Required MinimumDistribution tables and more. View thereference guide.
Updated Underwriting Highlights &Sweet Spots!
Check out our Updated Sweet Spots!
Satisfy Your Need for Speed with ourDistinctive IUL Non-Medical Opportunity!
Non-Medical underwriting on MaxAccumulator+ fillable flyer
Does Your Protection IUL Check All theBoxes?
When it comes to selecting the mostsuitable protection IUL product for yourclients, make sure that it checks all theboxes: low premium outlay, strong deathbenefit guarantee duration, strongaccumulation potential and lower policycosts. Check out our competitive flyer here!
Considering a 1035? Look at SymetraAccumulator IUL
With increasingly complex policy featuresand crediting rates, no one can accuratelypredict how an indexed universal life (IUL)product’s actual performance will compareto its illustrated performance. So it’simportant to consider how policy design
and different performance scenarios canaffect future distributions. That’s whySymetra Accumulator IUL, with itsstraightforward features, low cost, meritsserious consideration. AIUL Merits of IULin 1035 Exchange
Protection Solutions Live Webinar —Register Today!
Join our live webinar discussion to discoverhow our "Protection" products can providemore real-world value and help you growyour sales. Learn More.
Compete and Win Against Asset-BasedLTC
See how our new Protection IUL with theLTC rider can provide a higher death benefitand larger maximum monthly benefitamount — and help you close more cases— when competing against asset-basedLTC policies.
Offering More Opportunities andChoices for Growth
Our highly competitive suite of IUL productscombine industry-leading performance withthe flexibility to choose from a diverserange of indexed account options based onyour clients' appetite for risk. Get the detailsyou need to talk more confidently aboutthese options.
Gregg Janes, Vice President of
Marketing Insurance
Designers ofAmerica, LLC
Email:[email protected]
Phone: (678)866-1670
3325 Paddocks Parkway, Suwanee, GA 30024 P: (678) 866-1670
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