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Hot Topics

  • How to Submit an Application to Underwriters Brokerage Service using E-Processes for Term and Permanent Life Insurance

    Term:   Vive (Banner, Pacific Life, Principal, Protective, Prudential)- please make sure you are appointed prior to submitting a case. VIVE is the ideal electronic platform for submitting your term insurance business. You can access Vive on the Underwriters Brokerage Service website at www.ubsnet.com.   Click “ALREADY A VIVE USER” to launch Vive or “NEW TO VIVE” for additional information. Reference […]

  • Why Permanent Life Insurance? Why Now?

    Permanent Life Insurance: The Ideal Time to Plan for Tomorrow is Today Permanent life insurance can be for purely long-term protection purposes; think Guaranteed Universal Life or low-cost products with life expectancy guarantees. Other policies can, however, provide for personal, tax deferred savings in addition to the tax-free death benefit. Premium waiver and Chronic Illness/LTC benefits may also be available. Consider […]

  • Why Term Insurance? Why Now?

    Uncertainty means your clients need to be sure their families and businesses are properly protected. Talk to your clients now: Recent investment portfolio losses are significant but will recover in time, IF they have the time.Solidify your clients’ overall financial plan by adding term insurance to address temporary portfolio losses.Remember, should they die, their family’s financial loss is significantly compounded […]

  • Accelerated Underwriting Options

    Social distancing makes many client meetings impractical, but that doesn’t mean that the need for insurance is diminished. In many cases the life insurance need has increased significantly, if only to help address stock market volatility and current investment account losses.   At Underwriters Brokerage Service, we offer a wide range of e-Submission opportunities using Vive , IGO, […]