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New Life Insurance Tax Guide
Securian has a NEW Life Insurance Taxation Guide, including a discussion of the new Transfer for Value rules.
nschmitt@ubsnet.com
About nschmitt@ubsnet.com
Posts by Nadine Schmitt:
Lincoln Rate Change Announcements
Pricing Update – Lincoln LifeGuarantee® UL (2019) – 05/11/20Effective May 11, 2020, Lincoln is announcing pricing updates on Lincoln LifeGuarantee® UL (2019). Lincoln LifeGuarantee® UL (2019) – 05/11/20 will replace Lincoln LifeGuarantee® UL (2019) – 11/11/19 for all states that are approved at rollout.Premiums have increased 16% on averageTransition period begins on May 11, 2020 […]
Webinar May 21st: Economic & Markets Outlook with Nationwide Financial’s Senior Economist
Please join us for a LIBRA exclusive webinar discussing:Economic & Markets Outlook with Nationwide Financial’s Senior Economist Benjamin AyersDate: May 21, 2020 Time: 2:00 PM EDT Please register at: https://attendee.gotowebinar.com/register/6825803776440310285 After registering, you will receive a confirmation email containing information about joining the webinar. Hope you can join us!
Smooth Sailing with $1 million and NO EXAM!
“NO Touch” Process from Beginning to End Smooth Sailing is a straightforward underwriting process with Pacific Life for up to $1 million of Low Cost Term or competitive Guaranteed Universal Life. Think about clients wanting insurance NOW more than ever before, but don’t want someone coming to their home for an exam. Smooth Sailing is the answer, and […]
Nationwide CareMatters II- Rate Changes
Effective May 11, 2020, Nationwide is repricing the current Nationwide CareMatters II product for all new business. Read the full product update notice here. Transition Guidelines and Important dates here.
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 […]
Long Term Care Protection: E-Submission and No Exam Needed
With many clients experiencing significant investment portfolio losses, it is more critical than ever that they address potential long-term care expenses with one of our many solutions. An LTC claim in the current environment eliminates the opportunity for portfolio recovery, and these care expenses can further devastate their retirement and legacy planning as well as assets […]
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 […]
Pac Life- Underwriting Update Effective April 7, 2020
Details here. These temporary changes are effective on April 7, 2020 and will be reassessed at the end of April and then monthly if needed.
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 […]