Advisor Update | November 19, 2019
Principal’s Survivorship Universal Life Protector III (SUL Protector III) is now available. These new products are compliant with 2017 Commissioners Standard Ordinary (CSO) and Principle-Based Reserving (PBR) regulations and will replace Principal Survivorship Universal Life Protector II (SUL Protector II) in approved states. Click here for more details.
Try this IUL Training site, which contains a calculator that can help you and your clients assess the indexed interest rate potential for an allocation to each of the available crediting strategy options. 
No one can predict the future, but if the need for long-term care should arise, how much would it cost, and how would your client pay? Click here to learn more. 
As we approach the end of the year, please keep in mind important deadlines to ensure that all of your business processes in a smooth and timely manner. Click here for all the details.
Beginning January 1, 2020, any new life products issued must use the 2017 CSO Table. To recognize changes in population life expectancy, life insurance regulation requires an update of the standard mortality table used to calculate minimum cash values and death benefit requirements. Click here for a list of deadline dates.
Thanksgiving Holiday Hours
In honor of Thanksgiving, our office will close at 2:30 PM EST on Wednesday, November 27, 2019, and will be closed on Thursday, November 28, 2019 and Friday, November 29, 2019.  We’ll resume normal business hours on Monday, December 2, 2019. Wishing you a safe and happy holiday weekend!
460 Hillside Avenue Needham, MA 02494  
T 781.449.6800   F 781.449.7694