ASA E-News | September 18, 2019
Advisor Update
The latest product and rate-related carrier announcements, for your convenience.
9/17/2019
9/16/2019
9/16/2019
9/12/2019
9/12/2019
9/12/2019
9/5/2019
Service Spotlight
ASAXpress was designed to provide our financial advisors a simple, streamlined process for placing business - FAST! Plus, with full access to all of our carriers with complete product lines available, you will not be limited in your case design. Our dedicated New Business Team will handle each case with the utmost care and contact your clients directly so that you can focus on placing more business 

Getting started is simple!

2. Run a quote , and 

Questions? Give us a call (501) 224-7739 OR email us at asaxpress@theasagroup.com 
Policy Review Services
The ASA Group provides life insurance review service to help ensure your clients’ policies are being monitored and serviced in a timely manner. Confirming your clients have efficient policies and making them aware of any changes that might affect the performance of their policies will enhance your relationship as their trusted advisor.
Events such as marriage, divorce, the purchase of a home, a significant increase in income, the birth of a child or the death of a loved one all can influence how much financial protection is needed. The best way for you to help clients identify their coverage gap and help them to close it is with a review of their current life insurance coverage.
Compliance
Updating with NIPR ensures that you never miss out on important communication about your business.
  • Most, if not all states, require individuals to update and maintain their contact information.
  • Failure to do so can result in fines, which would require you to report the incident nationwide on all renewal applications as an adverse administrative action.
  • Incorrect information may hinder the producer’s ability to work with new carriers.
  • The state uses your contact information to send you license renewal reminders, notifications, and other important communications
In the News
The Impact of Indexed Account Fees
Since AG49 some products and indexing strategies have been created that utilize comparatively high fees and large multipliers. Although the maximum illustrated rates of these products comply with AG49, the cash value growth can be significantly affected by high fees and large multipliers. Read more.
Survivor Standby Trusts - An ILIT Alternative for Optimal Flexibility and Control
High federal exemptions paired with competing financial priorities and a variety of risks that can deplete assets more quickly than anticipated, can make it difficult to convince a client to irrevocably and permanently transfer assets to a trust. Read more.
Key Strategies - Cross Purchase Buy-Sell Arrangement
The business owners agree to collectively buy the interest of an owner who dies. Each business owner buys a life insurance policy on each of the other owners and is the owner, premium payer, and beneficiary of those policies. The surviving owners own 100% of the business. Read more.
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