Have you ever thought of being the beneficiary to your own life insurance policy? Do you want life insurance you don’t have to die to use? Most people see life insurance benefiting their spouse and children, not themselves. American General’s Asset Protector provides: optionality with a death benefit, an affordable long-term care solution, and a lifestyle income solution/retirement income feature. …
Are you a business owner? Have you thought about what would happen if you lost a key employee due to death? Cincinnati Life Insurance Company can provide personal guidance about business continuity planning using Termsetter ROP. Your clients receive funds to offset costs related to a key employee’s death or a refund of their paid base premiums (excluding rider …
Long Term Care can drastically change how quickly assets are used up during retirement. 70% of people age 65 today will need some sort of Long Term Care. The average length of care for a male is 2.2 years and the average length of care for a female is 3.7 years. The average cost of a nursing home in the …
How does Mutual of Omaha’s FIT Credit program give your clients a discount on their life insurance? Mutual of Omaha’s FIT Credit program can give your client an added discount if they end up qualifying for life insurance with a table rating. Most carriers only allow table shave programs on their permanent products. With Mutual of Omaha you can use …
Guaranteed Refund Option Rider Overview If the client no longer needs their coverage, Mutual of Omaha’s GUL and GUL Plus policies have a Guaranteed Refund Option rider. This option provides the client with seven 60-day windows in which they can receive their premiums back – up to 50 percent at the end of year 15 and up to 100 percent …
New Website Live Today! J.L. Thomas & Company, Inc. is pleased to announce the release of their new website. We have upgraded our Term Quoting system making it easier for you to access term quotes. A couple additional items that have been added to the website is a weekly annuity rate sheet, upcoming events and CE classes, and a learning …
Workshop Overview J.L. Thomas & Company will be hosting a Carrier Round Table meeting. This meeting will give you the opportunity to meet with carrier regional vice presidents (RVPs) to review trending sales ideas, services available to help your clients, and an overview of their underwriting advantages. Guests will be organized into groups of 5-8 and meet with each Round …
How to use your RMDs to create a larger estate for your kids and grand kids, to create a lifetime of giving. So you have two clients who are now age 70 and they are asking you what they should do with their RMDs they have to start taking. Their current plan is to gift it to their children with …
What options do your clients have with their current Genworth Life Insurance Policy? Your clients may be calling you asking what options do they have regarding their current Genworth Life Insurance policy. Depending on the policy they purchased they may have options to 1035 exchange into a new plan or conversion/exchange their term life insurance policy to a permanent plan …
5 products changing the Long Term Care conversation. These products are being used to help clients plan for a potential long term care event. What makes these options most attractive is that these products provide flexibility and benefits that traditional long term care does not always provide… Guaranteed Level Premiums – Death Benefit Option Return of Premium – Coverage for Multiple Insureds …