Lincoln Financial: Underwriting Foreign National Clients

Lincoln Financial’s global commitment is to help clients achieve their goals. From application to delivery, the company is focused on making sure your clients are treated fairly.

That’s why it has special underwriting criteria for foreign national groups between the ages of 18 and 80, who reside or work in the United States, and meet the following:

• Reside in countries identified in Lincoln underwriting’s Foreign National Guidelines
• Have a U.S. Social Security number, tax ID number, or IRS form W-8
• Have a demonstrated need for permanent products
• Are not in an occupation identified in underwriting’s Foreign National Guidelines

Lincoln has up to $15 million of automatic issue capability for your foreign national clients.

Through dedicated customer-focused underwriting — including strong, trusting relationships with its partners, and top talent in the industry — Lincoln delivers outstanding service and value. Its philosophy emphasizes flexibility and communication to achieve the best possible offer for your client. Underwriting is one reason it is a top distributor of life insurance.

For more information on underwriting foreign nationals, click here.

Table of Contents

JHL: Performance UL Pay Less and Get More

John Hancock’s recently repriced Performance UL can meet a variety of client needs, protection, accumulation and the flexibility to address the changes in your client’s lives. They offer competitive premiums and longer guarantees that can last to age 90.  See how they compare with the competition.  Click here.

Table of Contents

Self-Financing Premium Strategy

What is a Self-Financing Premium Strategy? It’s a premium-paying option available to high net worth individuals with liquid estates who prefer not to borrow money from a third party lender to finance life insurance premiums. It’s a strategy where the client acts as the lender, grantor and insured-lending money to his trust at favorable rates in order to purchase a life insurance policy.

Click here to see why your wealthier clients should consider this and why they should do it now.

Table of Contents

Sun Life: AccumULator-Value Now and in the Future

Sun AccumUlator is designed for:

• Individual sales in the pre-retirement market, ages 45-65
• Individuals who have a need for strong cash values to provide supplemental retirement income

Sun AccumULator offers clients:

• The opportunity for high early cash growth in the policy; the enhancement benefit can help provide liquidity for heavily-funded policies
• Tax-deferred accumulation potential to help fund supplemental retirement income needs
• Life insurance protection for individuals and their loved ones
• No surrender charges
• Access to cash value via policy loans after year 10 and after withdrawals to basis have taken place, the loan interest rate will be 3% and the loaned portion of the account value will be credited with 3% interest
• Death benefit protection that can enhance and transfer wealth to loved ones

Click here to see how this delivers in single premium 1035 exchange sales.

Table of Contents

United of Omaha: Express Issue Products For Faster Sales

Our Express life insurance products offer simplified underwriting and application processes, which mean policies are issued faster and you get paid quicker. Plus, you can easily track your cases online any time on our Sales Professional Access Web site.

Here’s how our Express products can help your clients and increase your sales. Click here.

Table of Contents

Principal: Top 10 Tips For a Slam Dunk Edge

For underwriting that’s fast, easy and just right, look no further than the Principal Financial Group.

Click here for the top 10 tips.

Table of Contents

JHL: Easier Way to Complete and Submit Term Applications and LifeCare Tickets

Easy to Use. Once and Done. Flexible: three big advantages of using JH e-App. Start using it today. UL and WL plans will soon be available on e-App. Click here for more details.

Table of Contents

Transamerica: TOP 15 and TOP 25 Sales Opportunities

Now you can help your clients steer clear of a lengthy underwriting process and accelerate placement of a new term policy with the Transamerica Opportunity Program (TOP).

Everyone, from ages 18 to 60, may be eligible to obtain up to $1 million of
15 or 25-year term coverage. Qualified applicants can accelerate through underwriting and avoid the hassle of a full medical exam—saving time and cost. And to top it all off, all TOP policies are fully commissionable, including policy fees.

Generate Leads with New TOP 15 Consumer Letter: the new TOP consumer letter makes it easy to generate additional term sales. With accelerated underwriting, the TOP 15 program allows qualified candidates to receive up to $1 million of 15-year guaranteed level term coverage without a full medical exam.
 
Click here for the consumer letter and program details.

Table of Contents

Aviva: New UL Product Launch

Aviva is pleased to inform its valued producers of the upcoming introduction of two products that reflect the company’s commitment to you and your customers.
On August 16, Aviva will launch Aviva LifeStage UL, a new current assumption universal life product; and Lifetime Builder III, a repriced and enhanced version of our indexed universal life product, as well as a new and improved version of the Early Cash Value rider.

Click here for product and launch details.

Table of Contents

Prudential: High Touch Service For Your High Net Worth Clients

Got a large case trust or private lender client? Let the Rock^® provide high touch service for your high net worth clients!

Think Pru for your next large case for your trust and private lender clients! Why? Pru offers exceptional underwriting and service. See for yourself.

Table of Contents

Lincoln Benefit Introduces Total Value Calculators

Giving customers a clear picture of the real cost of a life insurance policy can sometimes be challenging. But to ensure they’re getting the product that protects everything that matters to them, it’s vital to help them understand which product can provide the best value overall. That’s why Lincoln Benefit developed the Total Value Calculator. Found at accessallstate.com/calculators, you can use it to input numbers from your customer’s personal situation to determine which of two policies provides the better value.

Table of Contents

No-Sell Buy-Sell Arrangement

If you work with business clients helping to structure and fund buy-sell arrangements, you’ve probably met business owners who have yet to realize the rewards of the work they put into building their business. While they project substantial appreciation in the future, they worry that if they die too soon their heirs might lose the right to share in this potential bonanza. If the business owners have a desire to equalize the benefits between the first and last to die and all agree that a deceased owner’s heirs should share in the anticipated future appreciation, the “no-sell buy-sell” may be a solution.
For a sample case study and to see the structure of a No-Sell Buy-Sell Arrangement, click here.

Table of Contents