Bell & Associates | Life Insurance Specialists

800.308.BELL


01/23/2012

Lincoln Benefit Announces Revised Liquidity Guarantee Rider

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 any questions or would like to see any illustrations using the rider, please contact our marketing department at 800-308-2355


LBL - Revised Liquidity Guarantee Rider - Microsite



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Additional Coverage with Accelerated Underwriting:

  • Available to individuals who have been fully underwritten for term insurance within the past 5 years
  • No new medical exam required
  • Available up to age 60 and $1,000,000 DB
  • Access to some of the most competitive term products in the marketplace

Unique Indexed Annuity:


  • 12% commission available
  • Extremely liquid
  • Up to 60% of Asset Value after just 30 days penalty free!
  • Built-in Accelerated Care Benefits
  • "A" rated AM Best

Simplified Issue IUL Program:


  • No medical exam (phone underwriting)
  • Targets age 40-60 clients looking for tax-free retirement income
  • Uses #1 selling indexed UL product in the country!
  • Up to $1,000,000 of coverage available!