nschmitt@ubsnet.com

About nschmitt@ubsnet.com

Posts by Nadine Schmitt:

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 […]

Nationwide Product Changes

Read transition details for all changes here. -Change to Nationwide® No-Lapse Guarantee UL II pricing effective April 20, 2020-Change in Maximum Issue Age for CareMatters® effective April 3, 2020-Change in Maximum Face Amount for IUL and SIUL effective April 3, 2020-Fixed account rate change

Principal Extends Grace Periods

We’re extending grace periodsto help you and your clientsDuring these challenging times, we’re extending individual life and disability insurance policy grace periods for an additional 60 days. All premiums due must be received before the end of the extended grace period to retain insurance coverage.We’ll be updating language on billing statements and pending lapse letters […]

Corona Virus Emergency Loans

Take a look at this Small Business Guide and Checklist.

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, […]

Lincoln MoneyGuard Pricing Update Effective March 27, 2020

This Lincoln MG rate increase, particularly for single and 5/10 pays, has a very short transition period to get the old rates, apps in good order must be received at home office by next Friday 3/27. Read full details here.