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From AIG New Term Rates - Rate Changes Include Increases & Decreases In Certain Cells
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"As of February 19th, AIG Select-a-Term gets even more competitive! This reprice focuses on improving rates for longer term durations and death benefit amounts $250k+ for certain issue ages and risk classes. The rate changes will include increases and decreases in certain cells.
And the icing on the cake?
- 18 durations, including 10-year and 15 through 30 years and a 35-year term
- Renewable coverage until age 95 for older clients
- Convertible to the earlier of age 70 or the end of the level term period.
Choose Wisely. Choose Select-a-Term."
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From Lincoln
Term Portfolio Repriced
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"Term portfolio repriced to maintain competitiveness
• Lincoln TermAccel® Level Term — for middle-market clients features a fully automated process.
• Lincoln LifeElements® Level Term — for affluent clients. You'll work with the same underwriters as you do for your permanent business."
See The Advantages >>
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"Now Available – Lincoln LifeElements® Level Term (2017) – 02/11/19
Effective February 11, 2019, Lincoln is pleased to announce pricing improvements to Lincoln LifeElements® Level Term (2017) which will improve competitive positioning in key cells.
Transition Guidelines
For states that are approved at rollout, there is a 30-day transition period which begins on February 11, 2019 and ends on March 13, 2019. During the transition period:
- New applications received and applications currently in underwriting will automatically receive the lowest rates available. A request to use the lower rates will not be required. If the application had been submitted with premium using higher rates the difference will be automatically refunded.
- For policies already issued Lincoln will accept a written request to change to the Lincoln LifeElements® Level Term (2017) – 02/11/19 rates.
- For policies already placed Lincoln will not allow rewrites to the Lincoln LifeElements® Level Term (2017) – 02/11/19 rates.
- For LincXpress Tele-App cases a complete ticket and required solicitation forms must be received within the same transition period outlined above.
- For states approved after rollout, the above will automatically apply based on the availability date.The 2017 product has not been filed at this time in Massachusetts and New York since they have not approved the use of PBR/2017CSO.
Now Available – Lincoln TermAccel® Level Term – 02/11/19
Effective February 11, 2019, Lincoln is pleased to announce pricing improvements to Lincoln TermAccel®
Level Term which will improve competitive positioning in key cells.
Transition Rules
For states that are approved at rollout, there is a 30-day transition period which begins on February 11, 2019 and ends on March 13, 2019. During the transition period:
- New applications received and applications currently in underwriting will automatically receive the lowest rates available. A request to use the lower rates will not be required. If the application had been submitted with premium using higher rates the difference will be automatically refunded.
- For policies already issued Lincoln will accept a written request to change to the Lincoln TermAccel – 02/11/19 rates.
- For policies already placed Lincoln will not allow rewrites to the Lincoln TermAccel – 02/11/19 rates.
- For states approved after rollout, the above will automatically apply based on the availability date. Lincoln TermAccel is not available in New York."
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How Attractive Is Your Hybrid?
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"As part of our commitment to make long-term care (LTC) expense planning easy and more affordable for clients, we have enhanced our Lincoln MoneyGuard® II solution. Effective February 11, 2019, we implemented new rates that will re-enforce our #1 position in the hybrid marketplace.*
See how our new rates make our hybrid solutions even stronger!"
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*LIMRA 2017 U.S. Individual Combination Sales Report
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From Banner | Legal & General America | William Penn
Great News! Clients No Longer Need To Wait For Lab Results
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"Applicants now have a secure and interactive way to view lab results via Legal & General's online portal. We have partnered with our lab provider to give applicants a secure and interactive way to view their lab results.
Now, the paramedical examiner will provide the applicant with a brochure and instructions to access their lab results via online portal. Applicants can receive results online within seven to 14 days and will be available for one year. Legal & General America will no longer mail the lab results to the applicants."
View Brochure >>
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From AIG
Consumer-Approved Flyer: 5 Ways To Access Cash With GUL
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"Use this flyer to show clients the power of Secure Lifetime GUL 3. Innovative, optional riders and built-in features enable you to tailor the policy to a client’s specific needs.
- Return of Premium in Year 20
- Return of Premium in Year 25
- Chronic Illness Rider (Accelerated Access Solution®)
- Longevity Rider (Lifestyle Income Solution®)
- Guaranteed Cash Value Growth"
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From Mutual of Omaha
GRO Rider - Pssst...Our Life Team Says This Is A Must Read!
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"The Guaranteed Refund Option rider is included with all qualifying Income Advantage IUL and Life Protection Advantage IUL policies at no additional cost. You may be wondering why clients even need a GRO rider, when most companies illustrate a projected 6 percent (or thereabouts) indexed interest crediting rate.
Read the attached Guaranteed Refund Option on IUL Flyer to learn how the GRO rider can help provide Income Advantage IUL clients with an additional layer of protection – especially in an unpredictable market."
View Flyer >>
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From John Hancock
Central Intelligence
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"Central Intelligence (CI) is our monthly publication and podcast which summarizes important court rulings and legislative updates.
In the February 2019 issue:
- IRS List of “No-Ruling” Issues Now Includes IRC s643(f), Concerning Two or More Trusts Treated as One for Income Tax Purposes
- Tax Court Denies Charitable Deduction for Transfer of Failed Conservation Easements But Allows Larger Deduction for Another
- US District Court Allows Foreclosure on Estate Real Property to Settle Unpaid Estate Taxes
- Court Finds Willful Violation of “FBAR” Reporting Requirement and Timely Assessment by IRS
- Tax Court Finds No Evidence of Fraudulent Intent in Errors by Unsophisticated Taxpayer"
View This Issue >>
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From Eugene Cohen Ins. Agency, Inc.:
DI DAY 2019 - Keynote Speakers Announced!
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DI DAY 2019
TUES, MAY 14TH
- Expert DI industry speakers share the latest on their words of advice & product development!
- Learn how to position disability insurance products to the marketplace
- See why DI can be the product that creates client relationships that last a lifetime!
- Coming in from out of town? Overnight accommodations are available.
- DI Exhibits booths!
- Lunch & networking to follow approximately after
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 MARC JACOBSON
Main Keynote Speaker
“Unlocking Your Potential”
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 TOM PETERSEN
Keynote Speaker
“Excuse Me, But There Is A Hole In Your Protection!”
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**LIMITED ADMISSION**
Due to space limitations, we cannot accept more reservations once the spaces have been filled.
YOU MUST RSVP FOR THIS EVENT!
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Eugene and Michael Cohen are both honored to be asked to write a monthly column on Disability Insurance for Broker World Magazine.
They've humbly accepted this request and have been submitting articles since the beginning of 2018.
We are happy to share a few of the latest articles below and invite you to view the archive library as well.
If you have any suggestions or care to get a hard copy of these articles sent to you, please do not hesitate to contact us; we'd love to hear from you.
Enjoy!
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Broker World Magazine - Oct 2018
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Disability Insurance: Undecided Clients And Unforeseen Need
Read Article >>
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Broker World Magazine - Nov 2018
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BOE: That Was Easy!
Read Article >>
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Broker World Magazine - Dec 2018
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‘Tis The Season: After Open Enrollment, It’s Time To Help Clients Protect Their Income
Read Article >>
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Broker World Magazine - Jan 2019
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New Year’s Resolution: Monthly Reasons To Sell More DI
Read Article >>
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Broker World Magazine - Feb 2019
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Buyout Coverage: To DBO Or Not To DBO?
Read Article >>
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To view and read the archive of articles, click here! >>
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