The Levinson *411

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The Levinson *411 Volume 2, Issue 7 & 8 July & August 2009 THE LEVINSON *411 CARY A. LEVINSON & ASSOCIATES, INC. BREAKING NEWS IN THE INSURANCE INSIDE THIS ISSUE: WORLD MetLife Retention up to $20 million MetLife is pleased to intro- 1 John Hancock on permanent cases ($15 million duce a new sales campaign to help producers stay in term). WCL Underwriting Sweet Spots touch 2 Fidelity Life Life is sweet with competi- • Additional capacity up to with clients during these diffi- tive, responsible underwriting $114 million may be available cult economic times. The Our 3 Promise is for Life Prudential solutions that include world- through facultative reinsurance. campaign highlights the flexi- class foreign travel guide- • Underwriting Credit and bility of life insurance to help Banner lines and enormous reinsur- accumulate, protect and 4 Assurity ance capacity. Consideration opportunities transfer wealth – backed by that take into account your cli- guarantees. The campaign ent’s entire medical history and American General 5 MetEdge facultative reinsurance materials provide financial Genworth 6 advances in clinical medicine professionals the tools to program, which could improve some engage clients in: Transamerica 6 Table B and C cases to Standard.* Now • Life Insurance Reviews LTC 7 available for all products, including • Estate Planning Survivorship, for up to $10 million in • Business Planning Annuity Division 8 Put the promise of MetLife to Company Info 9 coverage. work for you with materials • Foreign travel guidelines that that can be co-branded with are among the industry’s best! your firm’s logo and contact information. • A leader in financial underwrit- For more information, please ing — from income replacement Term Conversion Check- list Updated contact the Life Insurance and autobinding to jumbo limits. Sales Desk or go to The Term Conversion metlifeinvestors.com. Checklist has been updated to reflect minor process changes and form changes. John Hancock's Performance UL - Reaching A Larger Premium Increases: Audience John Hancock's new Performance UL is the lowest cost The average level-pay increase at ages permanent life insurance policy in our portfolio, in many 45+ is 3% for UL-G and 4% for SUL-G. cases it's the lowest in the industry. Performance UL remains Single-pays increased 6% for UL-G and 4.5% SUL-G. The overall premium in- extremely competitive for lifetime level-pay scenarios at older crease to each product is about 4%. Here's another reason for your client's to ages and now features significant premium reductions at choose John Hancock... ages 40+! Take a look at the new Performance UL today it's We are also increasing, in some spots, DID YOU KNOW....that John Han- a performance you don't want to miss! the threshold requirement to qualify for cock's Term 09 product contractually the Policy Protection Rider Enhanced. allows policy conversion to any perma- This will result in higher premiums in cases involving first-year lump sums nent policy of insurance for sale by the It has Arrived! A new Protection UL-G micro site that houses everything you need to help guarantee that no longer qualify for PPR En- Company? hanced. DID YOU KNOW....that John Hancock a sale. This self-contained website is focused on has the highest Comdex rating (96) of the features, concepts and sales materials specific any of our competitors? only to Protection UL-G allowing easy navigation and instant access to product information. For more info: http://www.jhillustrator.com/ProtectionULG 1 Volume 2, Issue 7 & 8 July & August 2009 CARY A. LEVINSON & ASSOCIATES, INC. West Coast Life is pleased to introduce an innovative solution to meeting the permanent insurance needs of individuals with substandard underwriting ratings. Introducing the Return of Substandard Charges Option (ROSCO)…a new and innovative rider designed to encourage individuals to improve their health through key lifestyle changes, with the goal of outliving their estimated life expectancies. How does ROSCO work? ROSCO can help enhance the many powerful benefits and features of our LifeTime Advantage Plus universal life insurance policy for clients issued with substandard underwriting ratings. Upon expiration of the rating period (15 or 20 years), all substandard charges associated with ROSCO will be returned as a credit to the policy value and the substandard charges will be reduced to standard charges. As we continue to strengthen our position as “Your new UL CHOICECHOICECHOICE carrier”, West Coast Life is excited to announce additional en- West Coast Life LifeTime Platinum III and Life- - hancements to its already strong underwriting program. Time Platinum III Plus universal life products CE A ST PL JU Requirements applicable only to UL and SUL products. Ex- have a new feature that flat out rocks! RE T E UC N A NEW Lapse Protection Premium Solve offers OM OD DI cludes Term and SPWL products. C R E !! IN P OV !! NT R A More Flexible Treadmill & EKG Requirements endless choices for adjustable premium pay- E PP ID M A OR FL ment patterns and lapse protection durations. Go More Flexible Approach to Private Pilots ahead and say “yes” to clients who would prefer guarantee periods to age 80, 90, 100 or any age up More Flexible Standard-to-Preferred Upgrade Program* to lifetime. Flexible Age & Amount Requirements Policy pages in their entirety (with amend- ments if applicable) are now posted on Fidelity's website upon issuance. Agents and all managing uplines have $ REMINDER $ REMINDER $ REMINDER $ access to these via CA$H INCENTIVE$ FOR PRODUCTION the Pending Business & Inforce Status link $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ within their REMEMBER - For every month between July 1st and Dec. 31st 2009 agent website (log in). FIDELITY LIFE will pay: $150 for every 5 policies paid with in a month Marketing hosts 4 weekly webinars that cover AND an additional $300 for every 15 policies all Fidelity products and paid with in a month demonstrate Rapid App 2 - online application *Top 10 producers will be entered in a drawing to receive one additional $1000 prize at system. the end of the promotional period. Schedules updated weekly and posted in the For $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ Agents section of Place 15 policies in one month = $750 www.fidelitylife.com Check out Fidelity Life's Return of Premium Rules and restrictions: rider available on Rapid Policies written on self or family members do not qualify. Decision Term and Rapid Decision Mortgage Term.. Agent must be the producer/writing agent - no uplines will qualify For just over $300 in additional annual premium, for business written/paid by their agents or multiple agents using one GA’s writing number. a 35 yr old Male Sole writing agents only, no “users” under an agent (ie- in the case of adding users seeking $300,000 of term life insurance would end up for Rapid App) can submit business to pool policies to qualify. getting over No captive/call center agents will qualify - agent must be an independent producer. $30,000 back at the end of 30 years. Policies can be any combination of either Fidelity Life’s Rapid Decision Term and/or Rapid Decision Mortgage Term. WebinarTraining Schedule: (The link ad- Any new products introduced with in incentive period will not qualify. dress is: http://www.fidelitylife.com/agents/ Agents can track their own business via the Production link with in their Webinar.asp) own Fidelity Agent Website. Schedule is: “Not Takens” and lapsed policies will not count towards final tally. Tuesdays and Thursdays 10am Central is Rapid All payouts will be paid in one final sum at the end of the promotion Decision Term overview with Rapid App 2 period after final report is run in February 2010. online app system demo. Tuesdays 3pm Central is RD Mortgage Term $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ overview with Rapid App 2 online app system demo. 2 Volume 2, Issue 7 & 8 July & August 2009 CARY A. LEVINSON & ASSOCIATES, INC. Prudential Goes Live with e-Signature through iGO e-App! iGO e-App with e-signature is an automated wizard that is used for electronic completion of pre-issue life insur- ance application forms. e-Signature through iGO e-App will allow all pre-issue application paperwork to be collected and submitted elec- tronically, ensuring the fastest and easiest submissions for you and your producers! iGO e-App; WHAT IS IT, AND WHERE CAN I FIND IT? iGO e-App enables the submission of new business application packages via the on-line completion of forms using iPipeline's intelligent wizard technology. The tool is available via www.pruxpress.com and is also linked to your website via PipePass (single sign-on security). With e-signature: If forms are submitted using an iGO e-App link from your Website, the completed forms can be submitted to your office electronically. The client and producer are prompted, via e-mail, to access and review completed required forms on- line and provides the necessary steps to collect their digital signatures. Without e-signature: If iGO forms are accessed via the PruXpress Website, the producer will print out completed forms to be wet signed for standard submission by your office to Prudential. ADVANTAGES OF USE Creates efficiency for the Producer and for General Agency Case Managers! Reduces the need to distribute and scrub forms, and increases the likelihood that the initial submission will be “In Good Order” as the tool utilizes "smart edits" that pro- vide reasonability checks on information, and also ensures that all of the appropriate state-specific forms are com- pleted....significantly increasing In Good Order and "once and done" processing! Ease of Doing Business! Saves time and prevents inconvenience to producer and client by minimizing the possibility of the producer having to follow up for missing information or forms.
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