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TOLI Handbook

Symetra is aggressively going out for your GUL and SGUL business.

Make sure you, your staff and your brokers are aware of:
– Premier Pricing (for larger cases with Symetra’s Lapse Protection Benefit)
– Aggressive underwriting for these larger GUL and SGUL cases.

This is a great place for impaired GUL/SGUL cases.

Make sure your brokers hear it from you.

–  Click here to see premier pricing on large UL cases
–  Click here to see premier pricing vs. the competition
–  Single Pay Solve to Guarantee $1,000,000 to Age 120
–  Premium Solve to Guarantee $1,000,000 to Age 120

Effective August 1, 2015 Banner and William Penn will implement a cost of insurance (COI) increase for select universal life plans. For any plan affected, the increased cost of insurance will be reflected in the first monthly deduction following the effective date of the increase.

The table found in the news article below lists the plans for each company, the policy form numbers, the dates the policies were available for sale, and the effective date of the COI change. It also identifies the plans which included no-lapse guarantees.

Click here to view full news article

Don’t let your clients pay more than necessary for term life insurance protection. AIG Select-a-Term allows them to buy just what they need at a market-leading price.

Click here to see AIG’s Product Bulletin, Old vs. New Rates, Competitive Comparison and Rated Case Comparison.

“Too much month and not enough money,” is one way to express concern over someone’s finances. You might even find it in lyrics to a country song, as it resonates with many people.

This expression is somewhat analogous to how many ‘life expectancy-priced’ indexed universal life insurance (IUL) policies can affect policyholders who outlive the guarantee. These guaranteed death benefit products are designed to end around life expectancy, typically ranging from the insured’s age 75 to the upper 80s. Protection beyond that range is based on how the policy performs on a non-guaranteed basis.

While current life expectancy IUL products can illustrate sold non-guaranteed cash values and provide some flexibility, the fact that their guaranteed death benefits disappear at or around life expectancy will still leave your clients at risk of not having any death benefit protection should they live past life expectancy. That is in stark contrast to Accordia’s Life’s Lifetime Foundation IUL which provides lifetime guaranteed death benefit protection for your clients. Idf you need to learn how trading stocks works, you can check it out here from experts!

Life expectancy-priced products do nothing to minimize the risk of outliving policy guarantees. While the non-guaranteed projections they illustrate may paint a rosy picture, a more compelling story is the security of a guarantee in force no matter how long your clients live. Saving a few dollars today is of little comfort to survivors if the policy is no longer in force when your clients die. Lifetime Foundation will be.

Click here to learn more about Accordia’s GIUL

If your clients want more than what their term policies offer, now’s a great time to step up to Lincoln. For a limited time only, they can exchange their qualifying external term policies from a wide variety of carriers including those with a current A+ rating with A.M. Best to a Lincoln universal life, indexed universal life, or a variable universal life insurance policy.

Click here to see the program highlights and the list of carriers eligible for the exchange program.

Every quarter your agency is sent a reminder about our advertising compliance guidelines with the request that you share them with your brokers.

Click here to see full the full article