July 20, 2017

DOL Resource Center from AIG 

AIG has created an online resource center to help aid your understanding of the ruling and gain insight on how to best comply with the legislation. 
Survivorship UL-G Product Update
All Applications must be received by July 27
Earlier this year Symetra implemented a series of actions on the Survivorship SUL-G product. At that time, they communicated that they would continue to review our guidelines and monitor economic conditions. 

As a result of market dynamics that disproportionately impact the survivorship product, they have announced that they are temporarily suspending the sale of the Survivorship SUL-G product.
For a list of important deadline dates and transition rules, click the link below. 
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3 Ways to Get Clients to Buy Enough Coverage 
How to communicate why now is the time to act 

Death can happen at any time, which is a fact that people don't want to face. This may lead to them putting off thinking about life insurance. They also may think life insurance is too expensive with no immediate benefit. However, they may be able to find a low premium to cover exactly what they need: Money to settle their finances once they are gone and replace any after-tax income for their beneficiaries.
If you are an agent experiencing pushback from your clients, here are some of the ways you can convince them to adequately protect their assets and purchase life insurance now.
Sales Idea: Utilizing Life Protection Advantage IUL in Estate Planning Solutions
Omaha

Life Protection Advantage IUL is designed to provide long-term protection. It has competitive premiums when projecting the policy to age 120 at conservative rates, and it also gives clients an opportunity to pay a long-term no-lapse protection premium that guarantees the policy to age 85 (for clients up to age 75). This makes it an  ideal solution for estate planning situations.
MDRT Minute
Business Continuity Decision Tree 

Business continuity planning is simply the formalization of your wishes for turning over control of your practice. Like any good estate plan, your business continuity plan considers the effects of death, incapacity, sudden exit or retirement from your practice. What happens to you, your family, your clients, your staff and other stakeholders depends on your thoughtfulness and efforts. 

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
Impaired Risk Case Study: Sleep Apnea 


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