Banner Value Term-The Solution When Level Term Premium Is Too High For The Coverage Needed and You Don't want To Compromise Amount or Duration.
A careful needs analysis determines a face amount that's higher and a coverage period that's longer than the customer expects. And the level term premium, no matter how competitively priced, is still too high for the budget. Meeting the need for sufficient death benefit protection, the Life Value Term™ product is protection-based life insurance for America's families. The 20 and 30 year term plans have initial premiums that start significantly lower than traditional level premium term, allowing buyers to afford the full coverage needed while their insurability is optimum, even if their budgets are tight. Life Value 20 / 30 term is renewable and convertible term life insurance that provides a level death benefit for the term and coverage to age 95. The gently increasing, guaranteed premiums make the products competitive with level premium term over the full term period. With the lower early premiums customers won't have to cut back on the face amount to afford the premium. With the gentle increase they can afford the slightly higher premiums from year to year.
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| Mutual Of Omaha Introduces:
Term Life Answers
Look at what the repriced and revamped Term Life 10, 15, 20, 30 portfolio can do for you and your clients. Term Life Answers demonstrates it's commitment to provide a highly competitive term insurance portfolio to you and your customers.
· Competitive Rates especially preferred and standard premiums for people ages 40-60.
· Age Last Birthday Advantage. Policies issued based on age last birthday and allow backdating up to six months.
· "Fit" Underwriting Credit Program that rewards clients with healthy lifestyles with credits on face amounts of $250,000 to $1 million.
· No policy fee for an additional insured.
· New, shorter life application an electronic version that can be completed and submitted on-line |
Introducing GenGuard UL
and GenGuard UL NY Genworth just announced the new Death Guarantee Universal Life (UL) insurance products, GenGuard UL and GenGuard UL NY.
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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John Hancock Sales Strategy:
The Power Of Lifetime Giving
Many affluent clients express a desire to provide for their loved ones "after I'm gone." Estate planners have known that one of the best ways to provide for loved ones is by planning now. Lifetime giving allows the donor to have greater privacy and probate avoidance, and may also increase the net amount passed to their heirs. This savings may further leverage through the use of life insurance to provide a substantial legacy to the client's family.
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Do You Need Special Consideration On A Height/Weight Case For Preferred? Recently Lincoln Financial Group has rolled out their BMI (body mass index) chart for underwriting. The BMI is a height/weight chart that calculates, or estimates, the body fat percentage according to the average individual. Although it is sometimes not as accurate inathletes and the elderly it is a commonly used scale to determine the health risk for an individuals height and weight ratio.
Lincoln Financial Group (LFG) has determined that their guidelines will allow for individuals who meet all criteria for Preferred and Preferred Best that their Body Mass Index can be higher than the governments level for clinically obese (30). At a BMI of 31, meeting all other criteria for preferred at 6'0 235 lb individual can obtain preferred rates. At a BMI of 29 Preferred Best is possible.
Remember the next time your client is rated or given a class less than requested for build alone, check his/her BMI. Lower than 33 and you may have the client that LFG will consider Preferred even if he/she has a little extra junk in the trunk. |
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Transamerica Eases Underwriting Guidelines: 
Relax, take a deep breath, and count to 10....Transamerica's Top 10 underwriting enhancements that is. They are working to make life a little easier by improving their underwriting offers.
If you haven't looked into Transamerica's underwriting in a while, Click here to see 10 ways that they have you covered. |
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Meet: Marie Causey  Senior Case Manager
Marie, who was born In Iowa, Moved to Louisville when she was 7. With Her 13+ years of experience at Shaw American she provides the best customer service possible for you and your clients. Marie's on-going relationships with many of our underwriters and service providers allows her to negotiate the system to get the best underwriting decision in a timely manner.
Marie is a mother of 3 beautiful children, at home she loves to cook, bake and watch movies. She has a passion for music as well as horror movies.
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