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!