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Celebrate 50 years with us!

It’s hard to believe it’s been 50 years since the ISSUE Insurance journey began. Tens of thousands of policies issued. Billions of dollars in death benefit protection. No matter how long or short you’ve been a part of the journey, we are grateful for your partnership. Together we have done some amazing work and protected a lot of families and businesses in our community.

We hope you can stop by and celebrate our 50th anniversary with us on Thursday, September 22, 2022 from 4-8PM at the historic Dayton Arcade Innovation Hub. We will share stories, take photos, and reminisce about the good ol’ days. We will also have hors oeuvres, drinks, giveaways, and more.

Please RSVP by registering at issue50years.eventbrite.com.

We look forward to celebrating many more years to come.

Best Regards,

Mark George and the ISSUE Team

Hope to see you there!

What is your client’s policy worth?

Jerry purchased a $500,000 Universal Life policy seven years ago to provide his wife with “peace of mind.” Unfortunately, he could no longer afford the premium payments and contemplated letting the policy go. Jerry’s wife saw a TV commercial from a direct buyer, called a life settlement provider, about selling a life insurance policy for cash. Jerry decided to call the direct buyer and after waiting several months, he was offered $30,000 for his policy. Jerry was skeptical and thought the purchase price was low given his age and health history. He then contacted our life settlement partner, “just to be sure.” They conducted a transparent auction securing a total of 10 offers. In the end, Jerry and his wife received a check for $100,000, 233% more than the offer from the direct buyer!

WHAT'S YOUR CLIENT'S POLICY WORTH?

Selling Life Insurance to Gen Z

Like millennials previously, Generation Z is poised to change the way companies engage with their customers. Very little is known about “zoomers,” however their buying habits are influencing companies marketing strategies dramatically. Find out more about what this generation looks for in a company and how financial professionals can appeal to their unique values.

Read the article

Offering Life Insurance to Your Clients Living with HIV

Life Insurance for Clients Living with HIV

In keeping with Pacific Life’s mission to help people secure their financial futures, we are pleased to offer life insurance coverage to your eligible clients living with human immunodeficiency virus (HIV), effective July 11, 2022. 

As a result of continuous monitoring of medical advancements, progressive underwriting approach, and customer focus, Pacific Life will make coverage available to applicants who have a favorable clinical course and are successfully responding to antiretroviral therapy (ART).

Click the button below for full eligibility details.

Learn more

Did you know we also have life insurance designed specifically for clients living with diabetes?

Price decrease for Nationwide CareMatters® II

Nationwide

Nationwide® is committed to carefully managing their life product portfolio to remain a strong, stable carrier you can rely on. Because of this commitment, we are pleased to announce pricing improvements to Nationwide CareMatters® II.

Beginning July 11, 2022, Nationwide will implement a price improvement across all scenarios for the current CareMatters II product, in addition to increasing maximum issue ages for some scenarios.

These changes do not apply to Nationwide CareMatters in New York and California.
 

 

Pricing improvements

The price improvement is an average decrease of 5% for all scenarios. The price decrease applies to all scenarios but will vary according to the characteristics of the case.
 

 

Maximum issue age changes

The maximum issue ages for CareMatters II will also increase from 70 to 75 for single-pay, 5-pay and 10-pay cases when electing our Minimum Refund of Premium with Maximum LTC.
 

 

Important dates

Any policies with an effective date on or after July 11, 2022, will receive the improved pricing.

Standard CareMatters backdating rules apply.

Questions? Contact your ISSUE relationship manager today.

Roselyn Sánchez’s Message to the Life Insurance Industry

As LIAM Spokesperson Roselyn Sánchez says, “People think about life insurance, but they don’t act on it. And that really comes down to a lack of education about the importance of this product.”

Let’s educate consumers, so they can make the easy decision to get life insurance to protect their loved ones.

Kick off your LIAM campaign by sharing this powerful video with your network.

IMPACTFUL LTC Claims & Caregiving Stats

Claims and Caregiving data can be very helpful in communicating the importance and the impact and ‘Extended Care’ event can have on Family and Finances.  Below are some powerful statistics to communicate to your valued clients.

Mutual of Omaha Claims Information:

  • $1.1B claims paid since 1987
  • $10M claims paid monthly
  • Average Claimant age 78 (Industry is age 79)
  • Women 69% of Claims
  • Men 31% of Claims

Mutual of Omaha-Why People Need Care:

  • Dementia
  • Heart Disease
  • Arthritis

Top 5 Reasons for Declines in 2021 (Mutual of Omaha stats)

  • Cognitive
  • Arthritis
  • Build
  • Degenerative Disc Disease
  • Chronic Pain

General Industry Claims Information:

  • Care at Home Care 74% of the time
  • Care at Assisted Living 13% of the time
  • Care at Nursing Home 13% of the time
  • Youngest Claim age 27
  • Longest Claim 22.5 years
  • Largest Claim $2.1M
  • 51% of Claims dollars go to Cognitive issues
  • 18% of Claims 5 years or longer
  • 2010–81% of claimants were over age 65
  • 2018–57% of claimants were over age 65

General Industry Caregiver Statistics:

  • Caregivers split 50% male-50% female
  • 46% negatively impacted their health
  • 60% had to cut back on luxury expenses
  • 41% had depression
  • 40% felt it negatively impacted their relationship with spouse
  • 70% of caregivers did it out of necessity
  • 61% of families help pay for cost of professional home care
  • 63% help pay for care with money from their retirement fund
  • 48% reduce quality of life
  • 42% stopped contributing to their savings
  • 75% missed time from work
  • 46% worked fewer hours
  • 35% had repeated absence from work
  • 23% repeatedly late for work

CLAIMS REAL LIFE STORIES TO SHARE EXAMPLES WITH CLIENT:

Claims Real Stories–ALS

Claims Real Stories–Cancer

Claims Real Stories–Stroke

Claims Real Stories–Osteoarthritis/Knee Replacement

Even Super Dads Need Life Insurance

superdads

The value of a dad goes well beyond the paycheck he may earn and the things he may fix around the house. He is the pillar of the family, to whom his family will look for love, support, and safety — in essence, a superhero in disguise.

So in celebration of all the super-dads this Father’s Day, let’s protect them with the gift of life insurance. Banner has put together an article dedicated to learning the value of a dad to help your clients do just that.

Click below to review and share with them now. Happy Father’s Day!
Share the value of a dad

Creating a life insurance strategy

Many clients see the value of whole life insurance but may not have the current budget for it. However, a combination of MassMutual Term and Whole Life insurance may be the solution for them! Help clients secure coverage with a quality mutual insurance carrier while they’re young and healthy.

To learn how, watch this short video (2:27), then share our consumer-approved case study with clients and prospects.

Here to help.

You can count on your trusted partners at ISSUE to provide the support you need, including training, sales ideas and illustrations.

Let’s discuss your opportunities today!

Call us at 800-762-7500

4 Steps to Plan a Personalized LTC Strategy

How has mortality changed? What are the chances of needing LTC? And why is it important for your clients to have a plan to meet their LTC needs?

Shawn Britt, Director, Long-term Care Initiatives, Nationwide Advanced Consulting, will answer these questions and more, including:

  • Health and aging in America
  • 4 steps that can help you personalize LTC strategies for your clients
  • Effectively funding LTC expenses
  • How LTC benefits are paid

Join us! Thursday, July 14th at 2pm ET

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