June 15, 2008 - September 15, 2008
Prudential's LTC Mid-Year Marathon Incentive Program
Don't let this opportunity pass you by!

Prudential presents its "Mid-Year Marathon" Incentive Program, beginning June 15, 2008 and running through September 15, 2008. Open to all Prudential LTCi brokers, the "Mid-Year Marathon" sales incentive program awards producers who sell at least two Prudential LTCi policies with gift cards honored by nearly 400 national retail, entertainment and travel merchants including Home Depot, Macy’s, Target, Sears, Olive Garden, Applebee’s, Red Lobster, Steak & Ale, Blockbuster, Best Buy, AMC Theaters, Regal Cinemas, American Airlines, Amtrak, Celebrity Cruises and Hertz.

For those planning a road trip, we've added gas merchants including ExxonMobil, Sunoco and Chevron.

Prizes are awarded for all Prudential ILTC Insurance applications (LTC3SM and LTC By Design^SM) submitted between June 15, 2008, and September 15, 2008, that result in an issued policy. Please see Terms and Conditions for details.

Prize Levels:

Two issued Prudential LTCi policies earn a $100 Gift Card

The next two (2) (Total of four (4)) issued Prudential LTCi policies earn an additional $150 Gift Card

The next two (2) (total of six (6)) issued Prudential LTCi policies earn an additional $200 Gift Card

Earn an additional $100 Gift Card for every policy issued after your sixth policy

Prizes are automatically sent to the winners on a monthly basis for any prize level achieved during that month.

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Principal Financial
Term Conversions to SUL

Did you know that Principal Financial allows a conversion from its Term products to SUL?

Details: Term 2006 product
Conversions of Two Lives to a Joint Life Second-to-Die Policy:
Conversions may be accepted for up to twice the face amount of the smaller of the two term Policies, without additional underwriting, up to a maximum joint life second-to-die face amount of $10,000,000.

Face amounts requested for more than two times or the maximum would be underwritten.

Conversions of One Life to a Joint Life Second-to-Die Policy:

Conversions are allowed with submission of evidence of the insurability on the second life and will only be allowed if the second insured is not deemed uninsurable, up to a maximum joint life second-to-die face amount of $10,000,000.
The insured can convert to the joint life second-to-die policy without evidence on insurability as long as the face amount of the second-to-die policy face amount is no greater than two times the face amount of the policy converted from.

Face amounts requested for more than two times or the maximum would be underwritten.

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Union Central
Introducing our New No-Lapse Guarantee Products

UNIFI Companies introduce the new Excel Secondary Guarantee Universal Life (UL) and Excel Secondary Guarantee Survivor Universal Life (SUL) products, available for issue starting June 16, 2008.

With the addition of a secondary guarantee survivor product, the UNIFI life portfolio is stronger than ever. The key selling points for the new secondary guarantee products are:

• Lifetime guaranteed death benefit (new to the SUL product) for a cost-effective, flexible premium

• Illustrated values to age 121 (subject to the guideline premium limitation, if applicable)

• Improved illustration functionality and output, with the ability to solve for various guarantee and premium periods

• Enhancements to the policy schedule page and client billing statements that spell out the guarantees

With cost-effective secondary guarantee death benefits built directly into these two new products, you will have the opportunity to provide your clients and prospects with the extra layer of protection they may need.

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ROP Term and divorce planning

Marriage is not always "Till Death Do Us Part." Divorce happens. Statistics tell us it happens a lot, more in some demographics and less in others. A New York Times article of April 19, 2005, suggests, "It’s not as high as you think" and that the commonly used "one in two" statistic is misleading.

It really doesn’t matter if the statistics for the general population are one in two or one in fifty. If divorce happens to your client, the statistic suddenly becomes one in one.

If you would like to offer your non-custodial divorced client the opportunity to fulfill this life insurance support obligation and get a full refund of all premiums paid, subject to certain conditions as noted below, consider Return of Premium Term.

For a case study using this concept, click here.

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Lincoln Financial
Stepping up to the plate for private pilots

Lincoln’s dedicated customer-focused underwriting is one reason why they are a top distributor of life insurance. Our team delivers special programs to help meet the needs of your clients, including those who are private pilots.

Your private pilot clients may qualify as preferred on their Lincoln life insurance application if they meet certain criteria.

• Meet all preferred criteria and other criteria described in
  underwriting guidelines
• Have an instrument flight rating
• Fly less than 250 hours a year in the United States and
  sometimes Canada
• Demonstrate clean motor vehicle record
• Are under age 70

Attention to groups like private pilots demonstrates how Lincoln doesn’t just talk a good game about client service––they make an all-out team effort to deliver it.

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Select-a-Term to preserve a premium

What happens when you tell a client that the underwriting offer on his/her term application was “other-than-applied-for?” Often the answer is “I can’t or won’t pay the higher premium.” The policy costs more than originally planned because the applicant is not as healthy as anticipated.

Ironically, the client may now need the policy more than ever, but the increase in price makes it less likely he or she will buy it. If you could offer that applicant term coverage at about the same price you originally planned, would it help put the case in force? In many cases, the trade to a shorter duration at a similar premium as originally quoted makes the difference.

Find actual case examples here.

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Built-in GRAT exit strategies for self-financed premiums

The ability to leverage one's assets thru life insurance makes it a compelling part of most high net worth individuals' estate plans. One popular strategy, especially among clients with insufficient or no annual gift exclusions or exemptions, is called self-financing. For five advantages to self-financing with a GRAT exit plan, click here.

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