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News headlines can lead investors to make poor investment decisions
With average annual returns of just 2.9% for the 20-year period from 2000 to 2020, the average investor underperformed virtually every asset class, from the 8.7% return of small cap stocks to the 3.0% return of short term bonds.
What’s the reason for this lackluster performance? According to a Nationwide white paper, frequent trading is a primary culprit, and much of that is the product of investors trying to time the market in reaction to news headlines.
With digital platforms dominating news coverage these days, it’s never been more important to help your clients counter the lure of news headlines. This white paper examines the role headlines play in emotional investment decision making and provides ideas to help your clients stay focused on the principles of long-term investing.
We encourage you to access it now:
Price Reductions for Term, MoneyGuard; New VUL and More! – Lincoln Life Leader
Lots of good news in this edition of Lincoln’s Life Leader!
If you are not familiar with TermAccel, please note Lincoln TermAccel® life insurance offers an entirely electronic, streamlined interview process with fully automated underwriting and no APS requirement.
Here are the highlights and here is this edition of Lincoln’s Life Leader.
Pricing improvements and more!
See the Lincoln Life Leader with very exciting announcements.
Headlines
- Pricing Update: Lincoln TermAccel® Level Term (2019) – 01/10/22
- Pricing Update: Lincoln LifeElements® Level Term (2019) – 01/10/22
- Lincoln MoneyGuard® Pricing Improvements
- Coming Soon – Lincoln AssetEdge® VUL (2022)
- New Temporary Insurance Agreement Form (reprint)
- Lincoln to Work with Policy Owners Impacted by Tornadoes in Tennessee
Click this link to explore Lincoln’s NEW Specialty Markets landing page and access Foreign National resources: http://lfg.com/garesourceguide
NEW: To listen to a recorded eApplication training presentation, click this link: Recorded eApp Presentation
NEW: For all of your new business updates and ease of doing business with Lincoln, please click on this link: https://lincoln-financial.lfd.com/GoDigital
Merry Christmas + Holiday Hours 🎄
Season’s greetings!
ISSUE Insurance will be closed in observance of Christmas on Friday, December 24, 2021 and New Year’s on Friday, December 31, 2021.
We will reopen at 10:00AM on Monday, January 3rd.
Questions? Please call us at 800-762-7500 or email us at easy@issueins.com.
Grow Your Business with Nationwide’s Term + Perm Program
Nationwide’s Term + Perm program allows clients with an eligible term policy from an eligible competitor to buy a new permanent life insurance policy from Nationwide without current medical underwriting. It provides:
- a streamlined life insurance buying process
- face amounts up to $2.5 million
- option to add cash indemnity Long-Term Care Rider
- clients can choose to keep existing term coverage in force
Legacy Planning Opportunities for Today Webinar (10/7/21)
John Hancock “Legacy Planning Opportunities for Today”
TODAY – Thursday, October 7, 2021
2PM Eastern Time
Please join us for the “Legacy Planning Opportunities for Today” webinar.
This webinar will go over the following:
Current estate planning environment and outlook
- How life insurance can help High-Net-Worth families
Opportunities for creating flexibility
- Survivor standby trusts
- SLAT language
- Financing as an alternative to gifting
Presenter:
Tracey Ullom, JD, CLU
Associate Counsel, Advanced Markets
John Hancock Insurance
One Tap Mobile:
877 853 5257,,88523598416# (US Toll-Free)
855 703 8985,,88523598416# (CAN Toll-Free)
Dial By Your Location:
877-853-5257 (US Toll-Free)
855-703-8985 (CAN Toll-Free)
Meeting ID: 885 2359 8416
Passcode: 437984
Engaging the Black Community with Life Insurance
As you may know, September is Life Insurance Awareness Month. This year, LifeHappens, a non-profit organization focused on spreading awareness about the importance of life insurance, and LIMRA took the initiative to engage with Black Americans on their ownership and attitudes about life insurance. Check out the report here.
PacLife Now Offering eInterview for eApps
Online Health History Questionnaire Is Here!
As of September 13, 2021, Pacific Life announced a new eInterview option for drop ticket / electronic applications. On all Pacific Life eApps, the client will be emailed a link minutes after dropping a ticket. HOWEVER, if the client does not apply via link after SEVEN DAYS, the ticket will be sent to the call center to reach out to the client for a phone interview (seven days after the ticket was originally sent).
The AboutMe Online Health History (OHH) questionnaire is a simpler way for clients to complete their health history and is an alternative to the current teleinterview process.
Please view full bulletin for more details and helpful resources.
Other carriers that offer electronic interview processes:
Exciting Changes for Banner’s OpTerm
New term pricing and product policy form effective September 2, 2021.
New LTC Law in Washington and Effects on LTC Business
We recently shared an article about how Washington State became the first state to implement a state tax for long-term care coverage. Since the announcement, long-term care applications have skyrocketed. As a result, LTC carriers are experiencing major delays in case processing. Mutual of Omaha put out the below update in June to this effect.
Some carriers, including John Hancock and OneAmerica, are starting to limit and temporarily suspend applications for LTC policies and riders in Washington.
View the John Hancock LTC Rider announcement here.
View the OneAmerica Asset Care announcement here.
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Local: (937) 890-4991 Toll Free: (800) 762-7500 Fax: (937) 890-1909