John Hancock has announced their new Protection SUL 2012 with the following advantages over the Protection SUL 2011:

- Low-cost premiums in a variety of funding designs, including limited-pay, full-pay and single-pay scenarios
- Lengthy no-lapse guarantee often to life expectancy and beyond
- Strong cash value potential for future funding flexibility

Check out the announcement PDF below as well as the new micro site created specifically for the Protection UL and SUL products at John Hancock.  If you have any additional product questions, please contact our marketing department at 800-308-2355

Protection SUL 2012 Announcement Flyer

Link to John Hancock Protection ...continued

Lincoln Benefit Life has released their Modified Cash Refund Liquidity Rider for their Income Ready SPIA product.  This rider gives the clients access to their original SPIA deposit should the need arise.  Please see the below product flyer from LBL and if you would like to see any illustrations featuring this rider, please contact our marketing department at 800-308-2355


Modified Cash Refund Liquidity Rider - Flyer

Pacific Life has recently introduced 2 new indexed UL products:

1. Pacific Indexed Accumulator 4 (PIA 4)
2. Pacific Indexed Performer LT (PIP LT)

The PIA4 product will be replacing the PIA 3 product and is focused on minimum lifetime level premiums with higher cash values in early policy years.  The PIP LT is an entirely new product and is designed for short pay scenarios with death benefit coverage to age 100 and strong projected values in later policy years.

Please see the agent bulletin PDF link below for all necessary product information and transition rules:

Pac Life - New IUL Products Bulletin - PDF


If you would like to jump right to the pro...continued

United of Omaha has one of the most competitive table shave programs in the industry.  Please check out the link below for a presentation on their Fit Program.

 

UofO - Fit Program - Brain Shark Presentation


 

Aviva has released their April 2012 Webinar Schedule and they have an immediate focus on Indexed Universal Life products.  Please review the schedule in the link below as it also includes all required login information.  If you have any questions regarding any of the material presented in the Webinar's, please contact our marketing department at 800-308-2355

Aviva - April 2012 - Webinar Schedule

Hartford has announced today that they are Exiting the Life Business and will focus on it's property and casualty, group benefits and mutual funds business.   For additional information, please click on the article link below:


Hartford Exiting Life Business - Article

New State Approval - Pacific Prime IUL
California & Connecticut Approved Product/Feature:
Pacific Prime IUL (Policy Form #P11P1I or ICC11 P11P1I. Form number based on state in which policy is issued.)
Availability Date:
Pacific Prime IUL was approved by the following states:
California on January 31, 2012 Connectic...continued

  Lincoln National has recently announced a commission reduction for the MoneyGuard product effective 03/10/2012.  This change will effect both single pay and multi pay business nationwide, including business conducted in New York.

  To get the current commission rates, all application tickets and new business paperwork with signed illustrations will need to be submitted to the Lincoln home office no later than 03/09/2012.   For more information or illustrations on alternate products please contact our marketing department at:    

800-308-2355
 





 

Click Play on the video below
Life Insurance is the Solution
(For producer use only, not for client distribution.)

Does the endless supply of products lining the “shelves” of your IMO’s indexed annuity grocery store have your head spinning?  Unsure which annuity product to pull off the shelf for your client?  Consider these cornerstones in narrowing down the best annuity for your client’s appetite.  Bell & Associates has categorized these main topics to evaluate the best taste for your client.  Simply let our marketing team know how important each of these areas is to your particular client and we will sort out and seek out the good from the bad so YOU don’t have to.
Bonus- Additional interest credit applied to the principal immediately.  These supercharge your client’s earni...continued

Do you have any clients who have emphatically told you “We’ve given our children plenty over the years, I’m not motivated to leave them anymore!”?  We hear this more often than most would imagine.  However, as a financial advisor, this doesn’t have to mean that life insurance has no role for your client with this mentality.  Deep down inside, most all of your clients want to make a positive difference in other people’s lives now and into the future.

Consider appealing to their emotional side by helping them choose a specific organization that has made a difference in their lives.  With your client’s help, those organizations can continue making a difference in futu...continued

Bell & Associates is pleased to announce that we have received the following Marketing Organization awards from Pacific Life:
 
*Chairman's Award*  - Received for highest production for the year!


*Circle of Excellence Award* - Based on Achieving $4,000,000+ in target premium in 2011

Aviva has announced a new Indexed Survivor UL that will be introduced on 02/01/2012.  Below is a link to the product announcement, including the dates of upcoming webinars discussing the product parameters.  Please reivew the announcement and give our marketing department a call with any product questions.
800-308-2355

Aviva - Indexed Survivor UL - Product Announcement

The LIFE foundation has kicked off their Insure Your Love campaign in an industry wide effort to remind Americans to protect their loved ones with life insurance.  This is a great tool to help get new sales jump started in 2012.  The LIFE foundation has started a large social media campaign and has created a toolkit for agent use.  Below are the links to this information and if you have any questions or need any additional information, please give us a call at 800-308-2355



Insure Your Love - Campaign Information

Insure Your Love - Agent Toolkit

Insure Your Love - Facebook Page

With the new year, Lincoln Financial Group is making quite a few changes to their UL and Term product line up. 

Effective February, 21st 2012 the following changes will be taking effect:
 - Lincoln Life Elements Level Term products - Reduced policy fees
 - Lincoln Life Guarantee UL (2012) - New Product!
 - Lincoln Life Guarantee SUL (2012) - New Product!
 - Lincoln Life Guarantee Plus UL - CLOSED to new sales
 - Lincln Duration Guarantee UL - CLOSED to new sales

Below is a link to Lincoln Financial's Lincoln Leader newsletter for January 2012.  The new product information is included along with some additional product and company informat...continued

Transamerica has announced their newly designed guaranteed universal life product: TransACE 2012

This new product retains Transamerica's competitive pricing and has added the new MultiFlex Surrender Enhancement Endorsement.  Please see the below product bulletin and product guides for additional information. 

TransACE 2012 - Product Bulletin

TransACE 2012 - Producer Product Guide

TransACE 2012 - MultiFlex Surrender Enhancement Endorsement - Producer Guide


You can contact our marketing department at 800-308-2355 for any additional product questions or to have some illustrations run for your clients.

Lincoln Benefit has recently revealed some changes to their very popular liquidity guarantee rider.  Starting January 23rd, 2012 the following improvements will be added to the Legacy Secure II and Legacy Choice II products:
1.  Availability has been expanded to a wider range of ages and rate classes.  More clients will now be able to qualify
2.  Benefits have been made available starting in policy year 8 with refund percentage increases annually through year 20.
3.  Policy owners paying less than the life guarantee premiums may still be eligible to recieve partial benefits.

Please review the below microsite that LBL has created to advertise the new changes.  If you have...continued

Over the last 6 months, Bell & Associates has been making a concentrated effort to increase our presence in social marketing.  We have established profiles on  Linked In, Facebook, and Google Profiles:


Click Here For Our Facebook Page

Click Here For Ward Bell's Linked In Profile

Click Here for Ward Bell's Google Profile

We will be posting news and Articles to our facebook page and will be activley using Linked In to discuss some of the exciting new products coming out from the insurance industry.  Check out our pages to remain connected to Bell & Associates!