May 15, 2024

This Week's Highlights & Events

"Foundations of Business Life insurance Planning"

Lincoln Financial webinar, this afternoon at 2:00 pm Central.

Reserve your seat and join Tana Johnson from Lincoln Financial as we explore:

Exploring the dynamic landscape of the business insurance marketplace: Unveiling abundant opportunities for proactive producers.
Identifying the risks encountered by business owners, and leveraging life insurance as a safeguarding instrument.
Helping business owners pinpoint key stakeholders and how to prospect for those business insurance opportunities.
Crafting optimized approaches for presenting business insurance cases to enhance the underwriting process.

Life Insurance

Check out our Term Conversion FAQ, updated to make the process easier and help answer your questions.

Check out our improved Term rates.

Look...Forbes ADVISOR recently gave 5 Stars to Select-a-Term.

Take a look at a new way to illustrate the value of John Hancock Vitality to your clients.

Unlock new ways to grow your accumulation life insurance sales. You can now offer even better retirement-income potential with! ccumulation IUL — and expanded living-benefit options.

Download our newly updated Factfinder tool, simplifying the process of collecting critical information from your clients.

Check out sales ideas for small businesses.

Could you use a comprehensive hub of ideas to help clients maximize their assets and minimize their taxes? Look no further than securian.com/life-ideas.

We are excited to share the first in a series of success stories from MassMutual Strategic Distributors, beginning with a concerned business owner who replaced their Indexed Universal Life Insurance (IUL) policy with a MassMutual 10 Pay Whole Life Insurance solution. View our flyer and motion graphic to learn more about the client’s journey in seeking the right solution with whole life.

Check out our Accumulator Ascent IUL and Putnam Index Strategies Flyer and Protector IUL and Putnam Index Strategies Flyer to learn about the 20-year hypothetical performance of the Putnam Index Strategies paired with our IULs.

Watch our new Cancer Care Compass video and download our client guide.

Join us for the third webinar in our four-part, on-demand series, featuring Symetra’s own Mike Polonsky—lead Cancer Care Compass product developer.

Help clients divide their assets, not their family. Here's your May sales idea.

Understand how an index account or strategy credits interest and how that can change within IUL and IVUL policies. Learn about the three components to the caps and rates process and get answers to questions about how and why the upside potential changes over time.

Custom Premier II will be enhanced on 05/13/2024 in California and now includes BenefitAccess Rider, a new set of variable funds, and a PDA option. Get the Transition Rules.

Get your clients prepped for a relaxing summer with a 'Life Checkup'.

Check out our featured marketing piece.

Take a look at our new and improved top 12 marketing pieces.

Your clients need a product they can count on today, tomorrow, and beyond. That's why we created IUL Express. Reach out to potential clients about the product benefits with our IUL Express flyer.

Learn how Builder Plus IUL 3 can provide a balanced strategy for life.

Check out the illustrated rate changes for IUL policies.

See the opportunity you might be overlooking.

Check out this week's edition of The Lincoln Leader.

A properly designed cash value life insurance policy can offer clients tax-deferred growth, income tax-free distributions and death benefits, no additional tax for early withdrawals, and has no impact on Social Security benefits or Medicare premiums. Learn more.

Explore the benefits of permanent life insurance with Lincoln WealthAccelerate IUL.

Help clients take on life’s twists with Protective ® Indexed Choice UL.

We’ve lowered our Protective Classic Choice term prices once again. We’ve maximized the value a term solution can offer clients to help them secure what matters most.
Visit our website for transition rules.

There are 33.3 million small businesses in the US with employees. Every one of them likely faces challenges from attracting talent to ensuring a smooth transition to the next generation of ownership. See how Pacific Life can help you develop strategies using life insurance to address your business clients' biggest planning challenges.

Determine the amount clients need to save over time in order to withdraw a specific monthly amount throughout retirement with our Retirement Income Calculator.

To live the retirement they want, clients need to address the risk of longevity to their strategy. Read our article, to learn more about this risk and our resources to help you talk to clients about the risk of longer-lasting retirements.

Our industry is under attack...Compromised information, account takeovers and other fraudulent activity cost billions. See how you can stay vigilant and protect your clients and your practice in a valuable article authored by Lisa Fangman, Sr. Vice President of Insurance Operations.

Watch Total Household Protection and discover how a single IUL policy with riders from Columbus Life is capable of providing coverage for every member of a household and can help provide funds for numerous events throughout one’s life.

Get the latest about our life insurance and individual disability insurance (IDI) products and new business and underwriting services to help you effectively write, submit, and place your business.

Explore our Business Value Increase Rider.

Underwriting & New Business

Jams clients know and love. Check out our underwriting services to make you feel like a rock star with every application interaction.

Our Fluidless Underwriting is designed to allow qualified clients to bypass the intial paramed exam for larger face amounts. See how you can apply this Underwriting program to your client’s life insurance applications.

Coverage outlined during MassMutual Underwriting Meeting being held May 14-17.

As of May 23, MassMutual will only allow exams from those examiners who are contracted with APPS and ExamOne. The use of examiners who are not contracted directly with ExamOne or an ExamOne affiliate office are no longer permissible. Continue reading.

Effective June 1, 2024, Securian Financial is making some changes to our WriteFit Underwriting™ program that will help improve the customer experience, increase efficiency and simplify underwriting requirements. These changes will also impact our eApp requirements and support the transition to a more digital application process. Check out our WriteFit changes,

Starting in June 2024, Legal & General America will begin to notify advisors of cases waiting to be accepted. Continue reading.

We're thrilled to share that our updated Underwriting Field Guide is now live and loaded with enhancements. Dive into the latest version on our website and discover how we're making it smoother than ever to work with us.

Check out our intelligent underwriting and seamless all-digital process - less hassle and more hustle for you.

Instead of a phone interview, your clients can submit their health history online at a time that’s convenient for them. Learn more.

We have increased our limit for Expanded Capacity Underwriting Program. Principal can now offer an additional $30 million in capacity over the previous limit for life insurance cases. Get the details.

Advanced Markets

Women drive more than 70% of consumer spending. They also control $11 trillion of U.S. wealth, which is expected to nearly triple by 2030. Guess what else women have? A gap in life insurance coverage. See how Lincoln can help you bridge that gap by highlighting growth opportunities and offering performance-driven protection strategies.

Help business owners secure their top talent with Nonqualified Plans.

You can have your cake and eat it too - trusts...

April showers bring new opportunities With spring in bloom, now is the time to get back to basics. For inspiration, refer to our new client profiles that are one-page snapshots designed to help you identify potential opportunities and creative solutions using life insurance.

Do you have complex questions regarding your business? Download our Advanced Markets Q&A book.

Prospecting affluent families and business owners? Use our Advanced Markets videos
to expand your market for fixed index universal life insurance.

How much taxes will your client pay in retirement? Join the Securian Financial Advanced Sales Team to learn the strategy that may help your clients lower their taxes.

Join us for a session to learn about the value life insurance can offer clients with complex wealth transfer needs that involve illiquid assets. We’ll review the problems presented by these types of assets, how life insurance solves these challenges, and two hypothetical case study examples. Watch this webinar then circle back to our Trimester Sales Strategies site for the sales kit, resources, and tools.

Help clients create tax-efficient estate plans using what the TCJA offers before it’s too late. See how high-net-worth clients can benefit from this strategy.

Hybrid Products & LTC

Check out our recent enhancements to our investment-driven long-term care solution, MoneyGuard Market Advantage, a variable universal life insurance policy with a long-term care rider. Now clients have more flexibility and choice.

We’re enhancing the premium payment options for SecureCare III, a long-term care and nonparticipating whole life insurance policy, to include list bill on May 20. Learn more.

Effective June 3, 2024, the Maximum Monthly Benefit will increase from $10,000 to $15,000 on our MutualCare Solutions long-term care products.

Don't forget to use our LTC Cost of Care Calculator. Our LTC Cost of Care Calculator is a user-friendly tool created with your clients' needs in mind.

The publicity revolving around the need for extended care planning continues. Please see below for news articles/video clips from the last few weeks:

Annuity Solutions

Looking for growth but concerned about market volatility? By diversifying across four interest crediting strategies in the Power Series of Index Annuities, you can build a mixed allocation portfolio that ensures a portion of your retirement assets will grow in up, down and flat markets.

It's April. So it's National Financial Literacy Month. That means it's time to highlight the value of financial education to all Americans. Check out our 'Term Talks' and 'Retirement Talks' videos