November 24, 2017
DOL Ready to Enforce Fiduciary Rule: Acosta

The delay pending at OMB applies to individual remedies, but Labor will use its authority to enforce best-interest standard, secretary says

Labor Secretary Alexander Acosta told House lawmakers Wednesday that the best-interest standard under the Labor Department's  fiduciary rule is "in effect," and that as long as firms are "proceeding to implement" those standards, Labor is in a "compliance assistance" mode. However, if firms are committing "willful violations," Labor will use its enforcement authority.
How to build long-term business with short-term life insurance solutions
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.
Create distinction through the ultimate customer experience
MDRT Minute
Business expert McKain reveals the cornerstones of creating a distinctive experience for clients and provides actions members can take to further separate themselves from the competition.
TBA Advanced Sales Tips
Protective - new
How Priorities Align with Practices
Small business owners identify business protection as their No. 1 goal, so why do only 34 percent of them have adequate coverage in place to support their objectives? Learn about industry-wide trends that may lead to new opportunities in this market. 
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

Cincinnati Life Webinar

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Tennessee Brokerage Agency | 865-588-9555 |