TA's Top5

Here is your weekly dose of "TA's Top 5". A list of industry updates, sales ideas, important dates and other interesting things we come across.

Top 5:

1. Bulletin!
2. Brian, with iGO, Everyone Wins!
3. A Simpler Story (Founders Plus UL from PRU)
4. Underwriting for Marijuana Use: A Guide
5. After the Storm - Safety Tips

1. Bulletin

Introducing: PL Promise Conversion UL Product for PL Promise Term Conversions

Beginning January 1, 2018, PL Promise Conversion UL universal life insurance (UL) was made available upon conversion from existing PL Promise Term life insurance policies, in states where approved.1 Quoting the new product in WinFlex is currently available.

PL Promise Conversion UL HIGHLIGHTS

• Available without additional underwriting upon conversion from PL Promise Term
• Competitively priced guaranteed No-Lapse UL design
• Return of premium feature in policy years 15, 20, and 25

Check out the fact Fact Sheet for more information!

2. With iGO, Everyone Wins!

iGO?, an intelligent fillable form and data gathering solution, is designed to streamline and accelerate the selling of life insurance and health care products.

When used by an agents and advisor, iGO reduces new business cycle time from 50 to 24 days, NiGOs from 70% to 16%, and the average cost from application to policy issued by 48%.

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Features

• Indicates fields required for application to be submitted in good order (igo)
• Reflexive tool recognizes and auto-loads all required forms based on applicant responses
• XML standards allow for easy data mapping and exchange
• e-Signature and e-Submission for straight through processing

Benefits

• Eliminates NiGO (not in good order) applications
• Standardized, rules-based platform ensures that the proper application and forms are used
• Simplified and accelerated processing of insurance
• Reduces cycle time and increases placement ratios

Learn More and Register HERE!

3. A Simpler Story (Founders Plus UL from PRU)

Effective today, Founders Plus has a simpler story.

When it comes to life insurance, clients want value, balance, and flexibility at a price they can afford. They also want to feel confident about risk and volatility. PruLife Founders Plus UL? delivers. With Founders Plus, clients can get:

1. Cost-effective death benefit protection.
2. A no-lapse guarantee that can extend into a client’s 80s, 90s, and beyond depending on his or her premium amounts.
3. Cash-value growth potential with downside protection.
4. An optional chronic and terminal illness rider.

Here are Your Talking Points

Underwriting for Marijuana Use: A Guide

With a growing trend toward the legalization of Marijuana use

. . . for both medicinal and recreational purposes we are seeing more cases submitted for applicants who willingly admit to its use.

The good news is that many of these cases can be underwritten standard or above at non-tobacco rates. The critical factors are:

• Admission to marijuana use on the application
• Method of consumption
• Amount consumed
• Age of the applicant
• Frequency of use

Underwriting guidelines vary from carrier to carrier.

Download Underwriting Guidelines Now

5. After The Storm!

Each year, hundreds of Americans are injured or killed by exposure to cold, vehicle accidents on wintry roads, and fires caused by the improper use of heaters. Learn what to do to keep your loved ones safe during blizzards and other winter storms!

After the Storm - TIPS

Have a great weekend and Stay warm!

Cheers!

~BT