December 07, 2017
'Phase 2' of DOL Rule Is Dead: Brian Hamburger 
At the MarketCounsel Summit, Hamburger also said the Protocol for Broker Recruiting was 'unraveling'

"Phase 2" of the Labor Department's fiduciary rule is "dead," Brian Hamburger, CEO of the regulatory consulting firm MarketCounsel, said during his opening remarks Tuesday at the firm's annual summit in Miami Beach.

Hamburger told the 500 advisor attendees that "we're going to table" addressing Labor's fiduciary rule until next year's MarketCounsel Summit, noting that in the recently finalized 18-month delay, the rule's "most critical aspects have been tabled, and that may spell the end of the rule."
401(k) Plan Loans
Considering a Loan Program- Better know the basics
To establish an effective 401(k) loan program, the plan sponsor must ensure that the loans comply with requirements under the Internal Revenue Code ("Code"), along with making other important design decisions.  Specifically, plan sponsors must ensure that loans are: (1) made on commercially reasonable terms, (2) adequately secured and documented in writing, (3) paid off within a specified period pursuant to a level amortization schedule, and (4) not in excess of specified amounts.  In addition, employers should decide how many loans they wish to allow participants to take, the manner in which loans are to be repaid, and how to determine when a participant has defaulted on a loan.
A Key Ingredient for Success
MDRT Minute
The advisors who succeed are the ones who provide outstanding client service. Three top advisors in India talk how they provide client service and make sure they're unforgettable to their clients.
Here's Your Ticket to a Great Holiday Season
Double Your Money Bonus Program
SBLI's  "Double Your Money Bonus" program could earn agents up to $5000 in American Express gift cards in 60 days!

For every five term and/or whole life policies, with an annual premium of $500 or more, submitted between December 1, 2017 and January 31, 2018 and paid by March 9, 2018, agents can earn up to $750 in Amex cards. Please note, a minimum of three cases must be submitted and paid during this time period to qualify.
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

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Tennessee Brokerage Agency | 865-588-9555 |