John Hancock Life & Shaw American Present
"Leveraging Family Money to Pay Life Insurance Premiums"
It is filling up quickly, Click here to reserve today! When: October 14, 2009
Time: Lunch 11:30 Class 12:00-2:00
Where: Standard Country Club
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Our Newest Company-Aviva Life Aviva USA is part of Aviva plc, the world's fifth-largest insurance group, with a corporate lineage dating back to 1696. Aviva USA is one of the fastest-growing life insurers in the United States, with more than 1,115,000 customers and 32,850 agents and distributors. They offer a competitive portfolio of long-term savings, insurance and retirement income products designed to help customers make the most out of life.
Guaranteed UL Solution
- Built-in flexible No-Lapse Guarantee death benefit provides guaranteed coverage for a specified period of time or for the lifetime of the insured
- Flexible Premium universal life design with a 3% guaranteed minimum interest rate
- Lifetime rolling target premium
- Face amounts as low as $25,000 for juveniles, $50,000 for adults
- Five underwriting classes, including Premier Non-Tobacco
- Flexible death benefit that can be increased (with evidence of insurability) or decreased as needed
- Penalty-free partial withdrawals up to 20% of the net cash value annually
- Full range of riders available, including our innovative Wellness for Life Rider that offers policy rewards for maintaining healthy lifestyle
Wellness for Life Rider
This innovative program is targeted at consumers interested in saving money, receiving information regarding healthy living, and potentially receiving policy rewards for living a healthy lifestyle.
- Issue Ages 21-85
- Face Amount Minimum $100,000
- Deductions: There is an administrative expense charge of $8.33 per month in year one only.
- Maximum Special Class: No limit on base policy
- Rewards are percentage reductions in COI rate that are available beginning in the third policy year subject to the provisions of the rider. To be eligible for Wellness Rewards, the insured must satisfy the program qualification requirements every 24 months. Guaranteed minimum rewards levels are available with the potential for higher rewards to be declared by the company
Request an Aviva USA Quote today! |
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Transamerica Ideas In Action
Tools To Grow Your Business Today! Enhanced Charitable Trusts
Do you know of clients who will be faced with a large tax bill this year, perhaps from a large bonus, the sale of real estate or the sale of a business? An Enhanced Charitable Trust is a unique strategy in which life insurance helps to provide a significant income tax deduction and transfer wealth to loved ones, in additional to creating a charitable legacy.
Suitable for Clients Who:
- Are receiving a large amount of taxable income in the current year
- Are affluent and will no need the asset during their lifetime
- Are charitably-inclined and interested in accomplishing multiple goals with their gift
- Have a large balance in an IRA, qualified plan or annuity
The resources below can help you gain valuable insight into how this strategy can benefit clients and help grow your business.
Producer Resources:
Consumer Resources
For more information please contact Leeann Dever at ext 279.
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From Lincoln Financial:
Introducing Lincoln LifeGuarantee UL (2009) and Lincoln LifeGuarantee Plus UL (2009) Effective September 28, 2009 Lincoln will introduce the newest secondary guarantee products in its universal life insurance portfolio:
- Lincoln LifeGuarantee UL (2009)
- Lincoln LifeGuarantee Plus UL (2009)
Lincoln LifeGuarantee UL (2009)-offers very competitive level pay to 100 lifetime guarantee insurance coverage.
Key Features
- Lower cost on level pay scenarios-you only need to fund to age 100 to guarantee lifetime coverage
- Flexible timing on 1035 premiums
- Industry leading underwriting:Accessible, Responsive, and Fair
- Point-of-sale-support-they provide some of the best solutions in the industry to solve client planning problems.
Lincoln LifeGuarantee Plus (2009)-Best suited for clients ages 45-65 who want death benefit guarantees and cash value.
Along with the death benefit, this product provides flexibility in planning for:
- Future long-term care needs
- 1035 exchange with and without loans
- Family and charitable gifting
- Funds to buy out partners in buy/sell arrangements
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Introducing GenGuard UL
and GenGuard UL NY Genworth just announced the new benefit death guarantee* universal life (UL) insurance products, GenGuard UL and GenGuard UL NY, the second release in the new universal life series-GenGuard
The competitive portfolio includes:
- GenGuard SUL, survivorship universal life insurance
- LifeReady UL II, current assumption UL product
- Lifetime Protector SG II, conversion product.
As of September 28, GenGuard UL and GenGuard UL NY replace LifetimeFlex Plus II and Lifetime FlexPlus II NY. The new products' death benefit guarantees will continue to allow coverage to be guaranteed to age 121, but death-benefit guarantee premiums are competitive at ages 105 and younger. GenGuard UL retains other compelling features, including:
- Competitive premiums in all pay scenarios
- Attractive target premiums
- One of the best cash value stories in the industry
Request a New GenGuard UL Quote Today! |
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Lincoln Benefit Life Announces Changes To Term Rates!
Lincoln Benefit has announced that they are repricing the TrueTerm product effective October 12, 2009. Rates for most underwriting classes will be increasing, some will have no change and some will even have a rate decrease
TrueTerm applications dated on or before October 11, 2009 and received in the home office by October 25, 2009 will receive the old rates. Please note that October 25th is a Sunday, therefore, please have applications to the Shaw American Financial, by Wednesday, October 21st for processing.
The new rates will be used for any applications dated on or after October 12, 2009 and any applications received on or after October 26, 2009 (regardless of the signed date).
The repricing of Lincoln Benefit Life's TrueTerm will be available in all states except Indiana, Mississippi, New York*, Oregon and Washington. |
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John Hancock Taking A Big Leap Forward In Service John Hancock is committed to making the application process as easy as possible for you and your clients. With that in mind, we are simplifying the process by requiring significantly fewer telephone interviews and eliminating third-party verifications for my life insurance applicants.
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