November 30, 2017
DOL Officially Delays Start of Fiduciary Rule
During the 18-month extension, Labor will decide whether to propose changes to fiduciary rule

The Labor Department on Monday announced the official  18-month extensionfor the start of key provisions of the fiduciary rule.
Labor announced the special Transition Period for the Fiduciary Rule's Best Interest Contract Exemption and the Principal Transactions Exemption, and of the applicability of certain amendments to Prohibited Transaction Exemption 84-24 (PTEs), will move from the previous Jan. 1, 2018, compliance date to July 1, 2019.
How to build long-term business with short-term life insurance solutions
Webinar
Protective - new
Building long-term life insurance business means meeting client needs as they change over a lifetime. For a variety of reasons, many individuals and families may want only low-cost, short-term life insurance protection for now.
Why a flawless client experience matters in business
MDRT Minute
As financial advisors, we have the ability to create our own businesses and client experiences. Carefully look at those experiences. They're a reflection of who you are and the values you stand for, and - when they're done well - they translate into success.
TBA Advanced Sales Tips
Generate more sales with comprehensive solutions for a Supplemental Income Plan 
Many understand the importance of a life insurance death benefit. However, accessing the policy's cash value adds another benefit they may have not considered. It can serve as a source of supplemental income in retirement. Even if they've planned carefully for retirement by maximizing contributions and diversifying their savings, they may not be certain they'll have enough savings to maintain their desired standard of living in retirement. If your clients have excess current income and could benefit from additional tax-advantaged income in retirement, they may want to consider a supplemental income plan using life insurance.

New Rates and Reduced Monthly Modal Factors Make OPTerm More Competitive Than Ever!

Legal & General America OPTerm Rate Change
For all ages, classes, amounts, and durations, OPTerm pricing including NY, ranks #1 - 78% of the time.* Rate decreases restored our #1 price ranking against core competitors.

While some rates increased, most were concentrated in 10-year durations, band 4 (face amounts of $1 million or more).

Modal Factor Change
The monthly modal factor has been reduced from .0875 to .086. Both annual and monthly rates are highly competitive!

*Price rankings based on both Banner and William Penn OPTerm monthly pricing at quinquennial ages
Take the hassle out of underwriting                  
No Exams with SBLI

SBLI has a program that will allow clients 18-60 applying for $500,000 or less to purchase coverage and never have to do an exam. 

We feel like saving time in underwriting and delivering a better customer experience is worth the extra cost.  In fact, beginning April 3, 2017, we will be contacting you about the option of moving a case each time we receive an application that fits into the parameter of the program.

For Free

The TBA Mobile App was designed to give advisors the ability to be more efficient while away from the desk. This app has all of the tools needed to create sales as well as process paperwork more efficiently. It can be downloaded on your phone or tablet. It is available to download for free from the app stores of A pple, A ndroid, and Kindle.

Available tools include:
  • Instant Term Quotes 
  • Online Application 
  • Needs Analysis
  • Licensing 
  • Direct Dial TBA Employees

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Tennessee Brokerage Agency | 865-588-9555 | www.TBA.com
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