Jose Quiñones
& Associates, Inc. 
(787) 409-4959 
Current Annuity Rates at the bottom of this email.
Chris Carrigan, GPA partner, and Lyman Kiser, Sales Manager
Despite the kilt choice, these guys know coverage.

Life | DI | LTC | Annuity

> Top commissions
> 50+ carriers
> Concierge service
> All the right tools
> 50+years strong!
Super fast. Low touch. Insanely convenient. Term Life. What’s not to like about 'BESTOW'?

Introducing BESTOW, a Quick Issue 10, 15, 20, 25 & 30-year term life: $50K to $1.5M.* From application to coverage in as little as 9 minutes!
  • Get your own unique URL: place on your website; email/text prospects
  • 100% online, quick, easy app, accessible 24-7: View Demo  
  • No medical exams, no case management
  • Competitive, fully underwritten pricing; accept/reject with six rate classes
  • Doesn’t report declines to MIB, only medical conditions and other information
  • Pay with credit card
  • Commissions based on total premium
  • Bestow policies are provided by North American Company for Life and Health Insurance®, an insurance carrier rated A+ (Superior) by A.M. Best.

*Available 18-60; 56-60: 10-year only, preferred or better

Currently not available in Puerto Rico.
GPA & Ameritas

Ameritas Kaizen Premium Financing Webinar

Date: March 16, 2021
Time: 2:00 pm - 3:00 pm (EST)
Presenter: David Murphy, Ameritas, Advanced Sales

Please click HERE to register.

Think you know Premium Financing – the Ameritas Kaizen product takes it to the next level:
  • Traditional retirement plans are typically insufficient for high-income earners.
  • This strategy helps clients maintain their current lifestyle in the event of a chronic illness, premature death, or an inability to sufficiently save for retirement.
  • It’s the ONLY strategy that uses leverage; its unique fusion of financing and life insurance offers more protection and the potential to earn more for retirement than could be obtained without leverage.
  • This strategy is specifically designed so that the participant is not required to go through financial underwriting or sign any loan documents.  
GPA & Prudential Free CE Program:

A Financial Professional’s Guide to the Tax Change Environment 2021

Date: Tuesday, March 23, 2021
Time: 11:00 am to Noon (EST)
Presented by: Chuck Perrault, CFP, CLU, ChFC. Director, Advanced Markets
Location: Live webinar

Please click HERE to register.

A Financial Professional’s Guide to the Tax Change Environment 2021
  1. Risk of Higher Taxes
  2. Importance of Tax Efficient Investing
  3. Planning Implications and Opportunities

Pertinent topics given the new administration along with new tax law changes like 7702.  

1 Insurance CE credit. MRU#: 1010761-00003-00
States excluded: KY, MA, NE, NH, NJ, NM, OK, RI, VT, WA
Get Paid Faster...


GPAgency's Advance Compensation program is for NEW Term and UL policies sold through Protective AND Legal & General.
Noteworthy Briefs
Principal: Automatic Standard Approval Program (ASAP), also known as “Table 3 to Standard”, to be discontinued effective April 1, 2021. Principal would eliminate the step of shopping the case to reinsurers, while still getting to the same underwriting outcomes. But over time, the use of table improvement programs has diminished. To be eligible for ASAP consideration, formal applications (both new business and adjustment) must be dated prior to April 1, 2021 and received in our home office by April 15, 2021.

Transamerica: Discontinues standalone long-term care (LTC) business effective March 31, 2021. Applications under approved MultiLife cases (worksite and association) will end June 30, 2021. LTC riders on life insurance policies are not affected. The only impacted products are TransCare® II and TransCare® III. Clients with existing policies are not impacted. Read More Here

John Hancock: Beginning May 2, 2021, every producer's anti-money laundering (AML) course-completion date on file at John Hancock must be on or after January 1, 2020, and prior to the signing date of a new business application.

Important reminder for producers selling the JH LTC rider: Most states have adopted the training requirements outlined in the Deficit Reduction Act of 2006 and the NAIC Long-Term Care Model Act. These require producers selling LTC products, including LTC riders, to take an initial 8-hour NAIC Partnership training course, followed by a 4-hour refresher course every two years. All courses must be approved by ClearCert in order to be accepted as valid training. To determine if a course is approved, please visit
Carrier Webinars
Life Insurance as a Financial Tool

The right mix of financial tools can help minimize your clients’ taxes and maximize their assets. With Life Insurance as a Financial Tool (LIFT), you can illustrate why a successful financial strategy includes many choices — including permanent life insurance. Start now with our fully interactive financial professional guide.  Join this upcoming webinar.

Date: Tuesday, March 16, 2021
Time: 2:00 pm ET, 1 pm CT, noon MT, 11 am PT
Presenter: Luke Robinson, Advanced Sales Counsel

North American
Create Game-Changing Strategic Alliances

Learn tactics million-dollar producers use to cultivate referrals. Gain immediate ideas for helping to convert CPAs, attorneys, and other professionals into potential lucrative referral sources for your business. Based on nine case studies of successful partnerships, this presentation from Red Zone Marketing will share the methods and principles that are working to create game-changing alliances.

Date: Thursday, March 18, 2021
Time: 1:00 pm, CT
Host: Maribeth Kuzmeski, PhD, Red Zone Marketing®

Illinois Mutual
DI Webinars

Learn about their BE DI product, Business Expense Power, and the optional riders you can offer your clients to help them keep the doors of their business open.

Thursday, March 18, 2021, 3 p.m. CST
Click link above to register

Learn about the DI underwriting process and tips for successfully taking a DI application.
Tuesday, March 30, 2021, 10 a.m. CST
Click link above to register
Great Western
Final Expense Webinars

Upcoming webinars in March to learn more about the services and effective tools Great Western Insurance Company offers. 

  • GWIC Final Expense 101: March 18 at 3 p.m. Central time
  • Please click here to register. 
  • GWIC Agent Portal Overview: March 23 at 3 p.m. Central time. 
  • Please click here to register. 
  • GWIC Final Expense 101: March 30 at 2 p.m. Central time
  • Please click here to register.  
Carrier Sales Aids
While you are shaping your future, protect your family:

Moms know all about protecting their families:
Legal & General
Help woman protect what matters most

March is Women's History Month. There's never been a better time to send a powerful message to clients about the importance of protecting their loved ones with life insurance. Encourage clients and prospects to take a look at affordable coverage options for the whole family.
To make it easier to engage with prospects and share this timely message, L&G created two new client-approved marketing resources focused on women and moms. Both contain a fillable box for agencies or advisors to personalize with their contact information and an unbranded (no LGA logo) version is available.
Consumer Emails: Retirement Income Protection

Note these four emails are intended for use by financial professionals to cut and paste into their email program and send to their clients and prospects. Note that the red areas should/can be customized.

Cincinnati Life
A Month of Posts
Cincinnati Life shares a month of social media posts put together by Life Happens.

Pacific Life
Enhance Your Social Selling Efforts

For financial professionals, building a business is about networking and meeting new people. Is it any surprise that social media has become a mainstream way to stay top of mind and deepen relationships? Discover 4 key aspects to an effective social selling strategy in this brochure.
Pacific Life
Art of Writing a Good Cover Letter for Underwriting

Although it isn't always necessary, a cover letter can preemptively address questions from underwriters. When done properly, a cover letter can be an effective way to secure the best life insurance rates for your clients.

Mutual of Omaha

The LTCi 2021 Tax Advantages Flyers

Download the flyers now:
2021 e-Pocket Tax Tables
All the relevant tax numbers for 2020 and 2021, plus information on tax brackets, payroll taxes and much more.

Carrier Promotions
American National:
Annuity & Life Bonuses
January 1, 2021 – March 31, 2021

Cash for Annuity Sales
Earn up to $1,500 cash bonus for annuity sales, with double the sales credit for policies that originate in ExpertApp. (American National's Suitability Training)
Cash for Life Sales
Earn up to $3,000 cash bonus for life sales.

<<< Click on Flyers for details.
Annuity Rates
Roll it out of the garage!

Your client may not be the latest greatest model, but, with access to 50+ carriers, we can often find a “buyer.” We specialize in impaired risks. Review your declines over the past year, maybe we can help.

Want to reference a previous digital update?
Go to the bottom right of our home page ( for previous issues of our digital updates.
(800) 283-8376