Ask the MVP Underwriter about your next case!
Wednesday, December 21, 2011
Tuesday, December 20, 2011
Competitively Priced SUL
Prudential remains committed to the lifetime secondary guarantee marketplace for survivorship universal life (SUL)—even as other companies have left. Their commitment to this market is evident in repricing earlier this year and in the introduction of new market opportunities for SUL, beyond just the wealthy.
- Competitive Premiums—up to age 65 their product is much improved and as competitive as anyone.
- Secondary guarantees that offer consumers the opportunity for lifetime protection!
- Exceptional Capacity—$35 million retention and $65 million automatic issue limit on second-to-die policies with the SuperPool.
- Age Last Birthday pricing—Pru is one of the few carriers that offers this key pricing advantage!
SUL Protector is a great play in estate planning, wealth transfer, special needs, and a variety of other markets. Learn about their 10 Sales Opportunities in 10 Minutes with PruLife SUL Protector.
Thursday, December 15, 2011
Start the New Year with a New Way to Grow Your Business
Because life changes, markets fluctuate, and plans don't always go as expected -- offer your clients products designed to work in an unpredictable world by making sure that a portion of their retirement money is safe and has the opportunity to grow. Join us to learn more about these great new products that provide you a new way to help you prepare your clients for retirement and to grow your business. You'll leave with an appreciation of the straightforward design, differentiating features, and flexibility available to you and your clients.
Webinar will cover:
• Genworth’s Commitment to Fixed Annuities
• Why SecureLiving Index Annuities
• Optional Income Protection rider
Space is limited.Reserve your Webinar seat now at:https://www1.gotomeeting.com/register/744808361
Webinar will cover:
• Genworth’s Commitment to Fixed Annuities
• Why SecureLiving Index Annuities
• Optional Income Protection rider
Space is limited.Reserve your Webinar seat now at:https://www1.gotomeeting.com/register/744808361
Tuesday, December 6, 2011
Winner!
MVP Partners Jim Chrisler (St. Charles), Dawn Nelson (Madison) and Mary Lou Paul (Glenview) attended the National Association of Independent Life Brokerage Agencies annual meeting in Arizona last month.
While they were there, Mary Lou was the lucky winner of an iPad2 from American General and our business solutions partner Ebix Exchange.
Are you mobile in your business yet? Contact any MVP Representative to find out how you can maximize your sales and help your clients more in 2012 with mobile applications for smart phones and tablets.
Are you mobile in your business yet? Contact any MVP Representative to find out how you can maximize your sales and help your clients more in 2012 with mobile applications for smart phones and tablets.
Tuesday, November 29, 2011
Addressing Uncertainty With Guarantees, Flexibility and Control
Uncertainty over the future continues to dominate consumer sentiment. Consumer confidence is at its lowest since mid-2008, and a majority of high-income Americans believe that today's youth will have a worse standard of living compared to their parents. These concerns are causing many clients to rethink their financial objectives and strategies.
There are three major consumer drivers that are shaping financial planning decisions: the need for guarantees, flexibility and control. Transamerica is in a unique position to offer products that answer these needs. This, in turn, offers an excellent opportunity for life insurance professionals like yourself to help clients reshape their financial plans and prepare for continued uncertainty.
Read more....
There are three major consumer drivers that are shaping financial planning decisions: the need for guarantees, flexibility and control. Transamerica is in a unique position to offer products that answer these needs. This, in turn, offers an excellent opportunity for life insurance professionals like yourself to help clients reshape their financial plans and prepare for continued uncertainty.
Read more....
Tuesday, November 22, 2011
Notes from NAILBA's Annual Meeting
The National Association of Independent Life Brokerage Agencies met for our annual meeting last week. While our organization contributed over $200,000 to local youth organizations around the country and over $100,000 in student grants, there certainly seemed to be an undertone of concern by our partner carriers due to the economic challenges and a lack of policy sales.
Our carriers continue to be open to alternate distribution systems to distribute their products. They also are leery of government regulations and taxation. The constant need of money to run government programs tends to put our tax advantaged industry in the cross hairs of our legislators.
Also, as profit margins continue to dwindle and the carries fail to meet investor’s expectations, there is always the discussion of lower compensation.
We do have a responsibility to protect as many families and businesses as possible. We cannot and must not lose sight of our jobs. However, we must also continue to be strong with our manufacturers and critics in defending the costs of operating a business; businesses the public would rather not visit.
Times will continue to be interesting.
Our carriers continue to be open to alternate distribution systems to distribute their products. They also are leery of government regulations and taxation. The constant need of money to run government programs tends to put our tax advantaged industry in the cross hairs of our legislators.
Also, as profit margins continue to dwindle and the carries fail to meet investor’s expectations, there is always the discussion of lower compensation.
We do have a responsibility to protect as many families and businesses as possible. We cannot and must not lose sight of our jobs. However, we must also continue to be strong with our manufacturers and critics in defending the costs of operating a business; businesses the public would rather not visit.
Times will continue to be interesting.
Friday, November 18, 2011
Everyone is Talking About Indexed Annuities
You've been hearing it for months, "Now is the time to sell Indexed UL." The biggest complaint we here from producers is "I don't understand it!" MVP and ING can help... Many producers have already discovered why ING IUL-GDB may be the perfect solution for guaranteed sales in the under 60 marketplace. If you haven't had a chance to see it for yourself, click on the competitive information below to see why people are excited about the new ING IUL-GDB. Then, join our webinar on December 6th at 10 AM CST to find out how ING IUL-GDB can energize your Guaranteed UL sales. Add webinar to your Outlook calendar
ING vs. AVIVA
ING vs. Pacific Life
ING vs. AVIVA
ING vs. Pacific Life
Thursday, November 17, 2011
2011 End of Year Sales Opportunities
What opportunities could clients leave on the table if they don't act by year end? What opportunities are available for Business Owners seeking year end tax deductions? Find out on the End of Year Sales Opportunities microsite, updated for 2011.
Thursday, November 10, 2011
Passing On Wealth Without Gifts
Gifting isn't for everyone. Even though Congress has expanded the lifetime gifting and GST exemptions through 2012, some well-to-do clients won't feel comfortable about making large gifts.
This new consumer brochure discusses three strategies in which life insurance can be used to pass on family wealth without making gifts: the Standby Trust strategy, Inter-Family Loans, and Private Split Dollar arrangements.
Use it in your estate planning meetings with wealthy clients. Download....
This new consumer brochure discusses three strategies in which life insurance can be used to pass on family wealth without making gifts: the Standby Trust strategy, Inter-Family Loans, and Private Split Dollar arrangements.
Use it in your estate planning meetings with wealthy clients. Download....
Portability Creates Significant Malpractice Risks to Advisors
It is estimated that over 120,000,000 Americans do not have up-to-date estate plans and long term financial strategies to protect themselves or their families in the event of sickness, accidents, or untimely death.
Portability has been trumpeted by some in the media as one of the most significant estate planning benefits of The Tax Relief, Unemployment Insurance Reauthorization, and Job Creation Act of 2010 ("TRUIRJCA"), Sections 302(a)(1) and 303(a). Practitioners know otherwise. But knowing is not enough. Portability creates a number of significant malpractice risks which practitioners may be best advised to guard themselves against.
Bob Keebler, CPA, partner with Keebler & Associates, LLP, joins John Hancock's Randy Zipse, JD, CPA, to discuss the malpractice risks confronting practitioners when dealing with the portability election that permits the surviving spouse to use a decedent's unused exclusion amount.
JHAM Radio: Portability with Bob Keebler (October 25, 2011)
Portability has been trumpeted by some in the media as one of the most significant estate planning benefits of The Tax Relief, Unemployment Insurance Reauthorization, and Job Creation Act of 2010 ("TRUIRJCA"), Sections 302(a)(1) and 303(a). Practitioners know otherwise. But knowing is not enough. Portability creates a number of significant malpractice risks which practitioners may be best advised to guard themselves against.
Bob Keebler, CPA, partner with Keebler & Associates, LLP, joins John Hancock's Randy Zipse, JD, CPA, to discuss the malpractice risks confronting practitioners when dealing with the portability election that permits the surviving spouse to use a decedent's unused exclusion amount.
JHAM Radio: Portability with Bob Keebler (October 25, 2011)
Family Doesn’t Always Come First
Many caregivers are still women who grew up at a time when women often were not firmly attached to careers outside the home. That may be changing.
In a survey conducted by Genworth Financial, 40% of women and 55% of men said they would not give up their jobs to become caregivers for their aging parents.
Many elderly people rely on their adult children to provide informal support services when they are getting on in years. The caregivers perform tasks ranging from driving a parent to appointments and the grocery store to round-the-clock nursing care.
Many people don’t think about LTC until it becomes a reality for them. Don't let your clients overlook the possibility that they might require LTC. Proper planning today for an uncertain tomorrow may help preserve their hard-earned assets and enhance their options for care.
LTC Awareness Resources from Genworth
In a survey conducted by Genworth Financial, 40% of women and 55% of men said they would not give up their jobs to become caregivers for their aging parents.
Many elderly people rely on their adult children to provide informal support services when they are getting on in years. The caregivers perform tasks ranging from driving a parent to appointments and the grocery store to round-the-clock nursing care.
Many people don’t think about LTC until it becomes a reality for them. Don't let your clients overlook the possibility that they might require LTC. Proper planning today for an uncertain tomorrow may help preserve their hard-earned assets and enhance their options for care.
LTC Awareness Resources from Genworth
Get More LTC Cases Issued Faster
MVP has partnered with Transamerica to bring you three more LTC webinars this month.
Tune in every Tuesday in November at 10:00 AM CST, for these one-hour webinars:
November 15th 10AM CST: Transamerica Underwriting-Flexibility with Responsibility-The Best Combination
November 22nd 10AM CST: Transamerica Multi-Life- The Way Multi Life Should be Done
November 29th 10AM CST: Executive Carve Out LTC- Start at the Top
Just click the corresponding link above to register for each webinar. You will receive a confirmation from Transamerica with the dial in information and link to the webinar. Hurry! Space is limited and we don't want you to miss out on this opportunity.
Your clients and prospects are seeking information and advice about long term care coverage...don't let them get it - and the coverage -- from someone else!
Tune in every Tuesday in November at 10:00 AM CST, for these one-hour webinars:
November 15th 10AM CST: Transamerica Underwriting-Flexibility with Responsibility-The Best Combination
November 22nd 10AM CST: Transamerica Multi-Life- The Way Multi Life Should be Done
November 29th 10AM CST: Executive Carve Out LTC- Start at the Top
Just click the corresponding link above to register for each webinar. You will receive a confirmation from Transamerica with the dial in information and link to the webinar. Hurry! Space is limited and we don't want you to miss out on this opportunity.
Your clients and prospects are seeking information and advice about long term care coverage...don't let them get it - and the coverage -- from someone else!
Thursday, October 27, 2011
November is LTC Awareness Month
In anticipation for Long Term Care Awareness Month in November, MVP has partnered with Transamerica to bring you 4 timely LTC webinars.
Tune in every Tuesday at 10:00 AM CST, starting November 8th for a quick one-hour webinar:
November 8th 10AM CST: TranCare II- The Right Product for the Right Time
November 15th 10AM CST: Transamerica Underwriting-Flexibility with Responsibility-The Best Combination
November 22nd 10AM CST: Transamerica Multi-Life- The Way Multi Life Should be Done
November 29th 10AM CST: Executive Carve Out LTC- Start at the Top
Just click the corresponding link above to register for each webinar. You will receive a confirmation from Transamerica with the dial in information and link to the webinar.
MVP's News2Use: CLASS Dismissed
Federal Long-Term Care Program (CLASS) Dismissed
On Friday, Oct. 14, 2011, Health and Human Services Secretary, Kathleen Sebelius, announced in a letter to Senate Majority Leader, Harry Reid, that the Community Living Assistance Services and Supports (CLASS) Act, a long-term care program created by the federal health reform law, will not be implemented.
In the letter, Sebelius states, "By 2020, we know that an estimated 15 million Americans will need some kind of long-term care and fewer than three percent have a long-term care policy."
As the need for long-term care continues to grow in the years that lie ahead, so too will the need for private long-term care insurance. While the federal CLASS Program proved not to be viable, Prudential LTC3SM and LTC EvolutionSM continue to be viable options for your clients' long-term care solutions.
Click here to view a copy of the letter.
Please note that this letter from Secretary Sebelius is for your information only. Please do not use it as a prospecting or advertising tool as it is not approved as such.
On Friday, Oct. 14, 2011, Health and Human Services Secretary, Kathleen Sebelius, announced in a letter to Senate Majority Leader, Harry Reid, that the Community Living Assistance Services and Supports (CLASS) Act, a long-term care program created by the federal health reform law, will not be implemented.
In the letter, Sebelius states, "By 2020, we know that an estimated 15 million Americans will need some kind of long-term care and fewer than three percent have a long-term care policy."
As the need for long-term care continues to grow in the years that lie ahead, so too will the need for private long-term care insurance. While the federal CLASS Program proved not to be viable, Prudential LTC3SM and LTC EvolutionSM continue to be viable options for your clients' long-term care solutions.
Click here to view a copy of the letter.
Please note that this letter from Secretary Sebelius is for your information only. Please do not use it as a prospecting or advertising tool as it is not approved as such.
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