Provada - Life Insurance Brokerage and Integrated Marketing

State Life Annuity Care Interest Rate Decrease - You Must Act now!

Nickelle Leist — Tue, 07 Sep 2010 18:47:32 +0000

Interest Rate Notice: Asset Care & Annuity Care

The recent decline in interest rates has caused the following Asset-Care® and Annuity Care® changes, which will be effective Friday, October 1, 2010.

Annuity Care:

Annuity Care and Annuity Care II will be decreasing their minimum guaranteed interest rate (except in the states listed below) to 1.5% effective October 1^st.

States where original Annuity Care MGIR remains at 3% -- Oregon, Pennsylvania, and Washington
States where Annuity Care II MGIR remains at 3% -- Nevada, Oregon and Washington

This means a policy must have an effective date of September 30 or earlier to retain the old current interest (or guaranteed interest) rate.

Asset Care II and III:

The interest rate change in Asset Care II and III will only effects the annuity portion of the product. The life policy on Asset Care II and III, will remain at the 4% guaranteed interest rate.

Asset-Care II and III will be decreasing the current interest rate for the annuity portion to 3% effective October 1^st. Note: Asset-Care II and III are constructed to fund the 20-pay life policy fully at a 3% annuity interest rate.

Next Steps: We will help you drive sales Before September 30th!

Provada will be contacting First Bank in the next few days to set up client seminars, which will all take place before the September 30^th deadline.

For immediate assistance please call 415.369.9990, for Nickelle Leist call 415.369.9990 ext. 115

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MetLife's Express Order Ticket

Vickie Bianculli — Fri, 27 Aug 2010 21:25:28 +0000

Express Order Ticket is MetLife's new tele-application! It is a simplified life insurance application process that reduces the number of pages needed to be completed at the point of sale, allowing you to spend more time selling and less time filling out paperwork.

Key features:

* Required forms shortened from 12 pages to 2 pages

* No medical questions at point of sale

* Voice signature page eliminates the need for a signature on the policy at delivery

* The Express Order Ticket is a request for coverage, not an application. The formal application is secured during the telephone interview.

The Express Order Ticket is available with Guaranteed Level Term, Whole Life, Guarantee Advantage Universal Life and Equity Advantage Variable Universal Life

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Help US Make YOUR Life Easy

Bob Burton — Wed, 25 Aug 2010 23:07:27 +0000

(This will piggyback on Eric Gronlund’s great blog post of last week: “Six Questions to Ask Your Client Before You Submit an Application!”)

We’re sure you all agree that one of the worst things that can happen in our business is to disappoint a client or a prospect. For you, this applies to your insureds and prospective insureds; for us, it applies to all of you, because YOU are OUR clients.

Here are three tips that should help avoid disappointments:

1. When requesting illustrations, please give us as much information about your client or prospect as you possibly can. This includes name, date of birth, whether smoker or not, any weight problem, state of health, family history (especially if poor), and anything else relevant. (Eric’s questions should work well here.) And please be as specific as possible as to exactly what type of illustration or quote you’re looking for. For disability quotes, our carriers also need to know the person’s occupation and specific duties in as much detail as possible.

2. When submitting an application, please be sure to ask Eric’s six questions and to give us any other information that can help in the underwriting process. It is also important to complete the application fully and accurately and to make sure that it conforms in all respects to the illustration being submitted to the carrier. If an accelerated benefits rider is not included automatically, we strongly urge that it be elected, as it is an attractive no-cost policy benefit.

3. Once all underwriting requirements have been submitted and until the policy is issued and paid for, please encourage your clients NOT to visit a doctor unless it is really necessary. (If it is really necessary, of course, we are not suggesting that it be deferred.) We have had more than one case held up because of a routine subsequent doctor visit and at least one where the issue class was downgraded.

Remember: It is always better to present a client with results better than expected rather than the other way around. Following these simple tips should help us all achieve this important objective. It will certainly help US make YOUR life easier.

Bob Burton LLB CLU ChFC AEP
Director of Advanced Planning

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All annuities have three primary financial advantages... do you know what they are?

Nickelle Leist — Wed, 25 Aug 2010 18:02:11 +0000

All annuities have three primary financial advantages:

Tax Deferral – why pay taxes now if you’re not using the money? Make current federal income tax laws work for you and let your money grow tax deferred in an annuity.
Guaranteed Income – Create a guaranteed stream of income for a fixed period of time or for one or more person’s lifetime.
Avoids Probate – An annuity with a named individual as the beneficiary, who is living at the time of the owner’s death, can avoid probate.

What Your Clients Are Asking For… And A Solution Using Annuities

Guaranteed interest => Traditional Fixed Annuity

Greater upside potential but needed downside protection => Indexed Annuity

To convert accumulated wealth into a guaranteed income stream => Income Annuity

Make up money lost in the market downturn paired with Guarantees => Bonus Indexed Annuity

To leverage money inside a savings account, CD, Non-Qualified Annuity for Long Term Care => Linked Benefit Annuity

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Pacific Life Launches the Most Competitively Priced Term Policy on the Market

Nickelle Leist — Tue, 24 Aug 2010 18:34:19 +0000

Pac Life’s new Pacific Income Term is the most competitively priced term policy on the market.

Pacific Income Term is designed to provide income protection when your clients need it most: during their working years. The affordable premiums provide costs savings and convenience during the years they’re working hard to provide for their family and save for retirement.

PacificIncome Term offers:

Income-replacement protection during your client’s working years.
Structured monthly income benefits chosen by your client to fit the needs of their family.
Two optional riders: Accelerated Living Benefit Rider or the Premium Waiver Rider.

Ideal for Price Sensitive Clients:

Cost-effective premiums. Premiums guaranteed to remain level throughout the Level Premium Period.
Affordable insurance. Competitive prices save your clients up to 44% on their term life insurance.
Flexible payment schedules. Premium payments offered monthly, quarterly, biannually or annually.

Visit www.provada.com/paclifetermto learn more about this exclusive new product! Questions? Call us at (415) 369-9990.

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Why you should and CAN be telling your clients about ANNUITIES at a 3% interest rate.

Nickelle Leist — Tue, 24 Aug 2010 16:16:35 +0000

Many brokers have excuses for why their Fixed Annuity business is down this year. Chief among those excuses is the “interest rate argument.”

“My client is waiting for rates to go up.” “I can’t sell a 3% annuity!” or “when are interest rates going up?”

“WHO CARES!”

Interest rate factors should not slow Annuity sales.

When your clients say they are going to “wait” for interest rates to change, ask them to consider the following:

1. The national average money market rate is 0.93%. Wouldn’t it be incredible if they went up by 80 basis points per year to end up at 5% five years from now? Pretty unprecedented, right? Without compounding, that would give our client a total return of a little less than 18% before taxes

2. Maybe a one year CD is the answer. The national average rate is 0.68%. If those rates doubled each of the next five years, that would be pretty extraordinary. Again, the client would have earned a total of 18%. Remember, this 18% number does not take into account any compounding or tax implication

3. If a client chose a five year CD, that money would yield approximately 10% over that period. This same client would need to earn 8% in year six just to get back up to that 18% total over six years.

When you and your clients take into account the effects of tax-deferral, interest rate compounding, free annual partial withdrawals, nursing home and terminal illness waivers and the safety of an A rated Insurance company; there is absolutely no reason to hide from 3% interest rates. 3% interest rates are still competitive. Now how about you pick three clients that could benefit from an annuity, then send your quote request to newbusiness@provada.com and we will quote you the most competitive interest rate.

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Cancer history that may qualify for a preferred rating

Vickie Bianculli — Fri, 20 Aug 2010 18:14:36 +0000

MetLife has announced the possibility of a preferred rating for five types of cancers! Most of the following cancers caught in the early stages and removed can be considered for a preferred rating after a seven to ten year cancer-free timeframe and good follow-up:

Stage 1a well differentiated uterine cancer;

Melanoma in situ;

Stage 1 testicular cancer;

Small mixed papillary and follicular thyroid cancer; and

Early stage kidney cancer.

If you have a client that may have any ONE of the above cancers in their history, please complete one of Provada’s Cancer Quick Quote forms and let us do the research.

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Six Questions to Ask Your Client Before You Submit an Application!

Eric Gronlund — Tue, 17 Aug 2010 22:16:33 +0000

There are six questions to ask your client before you submit an application to assure a more accurate quote. No agent wants to go back and inform a client that their application was approved but the premium has increased. Try asking these questions when you meet with your client. It only takes a minute:

#1. Are you taking any medications? If so what for?

#2. Have you ever been diagnosed with cancer, heart disease or diabetes? If so when and what doctor has the medical records?

#3. What is your height and weight? Will the insured still qualify for the rate class you quoted?

#4. Do you engage in any hazardous activities that will adversely affect the underwriting? If so remember to include the appropriate questionnaire with the application.

#5. Do you have any foreign travel plans? If so where to and for how long? A foreign travel questionnaire might be required.

#6. Is there any incident of cancer or heart disease for immediate family members prior to age 65?

If you receive a yes to any of the questions above and you are unsure what rate class to quote feel free to contact someone at Provada.

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Life Insurance Policies with Long-Term Care Benefits Offer Enormous Benefits

Bob Burton — Wed, 04 Aug 2010 23:05:07 +0000

We have provided information previously, both through blog posts and Webinars, on the many ways today of writing Long-Term Care insurance:

Stand-alone LTC policies (still the most flexible)
Universal Life policies with LTC Riders (a powerful combination)
“Hybrid” or linked-benefit Universal Life / Long-Term Care policies (discussed below)
“Hybrid” or linked-benefit Annuity / Long-Term Care policies (1035 Rules now very liberal)

The third type of product listed above - “Hybrid” or linked-benefit Universal Life / Long-Term Care policies - is becoming more popular all the time, having been given a strong boost recently by the availability of the new John Hancock “Life Care” product in California and other key states, including Florida, New York, and Texas.

These products are ideal for those with lump sums sitting in CDs or elsewhere, undoubtedly earning very little money that is taxable to boot. These products save taxes, provide great peace of mind, and leverage up the available dollars for both death benefit and LTC purposes. What a powerful package of benefits!

We will be providing details and comparisons of the available products in additional blog posts in the near future, but in the meantime, please make a note that the following products are available through Provada:

Genworth Total Living Coverage (TLC)

John Hancock Life Care

Lincoln MoneyGuard Reserve

State Life Asset Care

These are all great products, but each situation should be linked with the best product for that situation's particular set of facts.

More to come!

Bob Burton LLB CLU ChFC AEP, Director of Advanced Planning

415-369-9990, ext 116; bob@provada.com

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John Hancock's new LifeCare, a single premium whole life insurance policy with LTC benefits, is now Available in CA.

Nickelle Leist — Thu, 29 Jul 2010 18:51:56 +0000

John Hancock's new LifeCare, a single premium whole life insurance policy with LTC benefits, is now Available in CA.

By Repositioning a portion of your clients asses into a fully guaranteed JH LifeCare policy, your clients are able to help protect their family, their hard-earned assets and their future from high costs of long-term care.

JH's LifeCare offers:

A fully guaranteed policy: the death benefit, long-term care coverage and strong cash value guaranteed
Quick and easy application process: With LifeCare's streamlined tele-underwriting process in place, the policy can often be issued in as little as 8 days with no exams, labs or doctors' statements.
Larger pool of dollars available for long-term care: The total long-term care benefit is several times greater than the premiums paid. This allows your clients to maximize the value of their LTC premium dollars and free up assets that have been earmarked for other purposes.
Experienced industry leader: JH is an experience leader in the life insurance and LTC insurance markets, consistently ranking as on of the country's top carriers in both markets.

LifeCare vs. MoneyGard:

A larger fully guaranteed pool of money to pay for LTC care, JH offers 5% more in most scenarios.
Generally higher lifetime guaranteed death benefit
Higher Long-term guaranteed cash value
International Coverage
Complimentary LTC services, with the Advantage List Program and Seniorlink included with LifeCare, which Lincoln's product does not offer.

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ING lowers its rates on their ULG products

Vickie Bianculli — Thu, 22 Jul 2010 19:29:23 +0000

Rates Cut On ING GDBUL II & ING GDBUL II NY Effective 07/17/2010, clients will pay around 9% less on guaranteed lifetime coverage for ING Guaranteed Death Benefit Universal Life II (ING GDBUL II) issued by Security Life of Denver Insurance Company and ING Guaranteed Death Benefit Universal Life II NY (ING GDBUL II NY) issued by ReliaStar Life Insurance Company of New York.

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The art of war

from The art of war on August 1, 2010 - 8:50pm

2. ...

The importance of a good cover letter!

Eric Gronlund — Mon, 12 Jul 2010 23:37:44 +0000

Underwriters appreciate a cover letter; it speeds along the underwriting process which makes for a happier underwriter. It also gives the agent and the insured a chance to put a positive spin on anything that might been seen in a negative light.

The five most important points to cover are:

#1. What is the purpose of the insurance?

#2 What is the total amount of business insurance in force?

#3 What is the total amount of personal insurance in force?

#4 Provide details on any insurance you might be replacing.

#5 Any personal information that might assist the underwriter in making a favorable offer.

It only takes five minutes to write a short cover letter but it can make a big difference in the underwriting process.

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Get Your Clients Up to $1 Million of Additional Term Insurance With No Medical

Lloyd Silver — Fri, 09 Jul 2010 02:21:49 +0000

If you have clients who have purchased term life insurance in the past five years, they might be eligible to obtain up to $1 Million of additional coverage without taking another medical examination. This is not a guaranteed issue program, but fully underwritten policies issued through the Transamerica Opportunity Program (TOP).

Whether or not their policy is still inforce, prospects may qualify for TOP if they've been fully underwritten and issued a term life insurance policy from a qualifying carrier within the past give years and:

Are ages nearest 18 - 60. Washington State: 18 - 55 for Trendsetter Super 25.
Have been underwritten with blood work.
Have been issued a risk class equivalent or better than Preferred or Standard. Smoker risk classes are acceptable.

The TOP includes:

Accelerated underwriting and no medical exams
15 and 25 year level term policies
Fully commissionable premiums
Up to $1 Million of additional coverage, with a minimum face amount of $100,000 on the previous policy
A comprehensive list of over 64 qualifying carriers
Allowances for multiple policies up to the qualifying limit

So basically, if you have a qualifying client who has purchased a fully underwritten term life insurance policy (minimum of $100,000 face amount) from one of the carriers in the program (which includes almost all of the major carriers), they can purchase a new policy from Transamerica with no medical exam. A nonmedical underwriting form will need to be submitted, and a review of MIB records will also be conducted.

The maximum face amount which can be purchased through TOP depends upon how long ago the old policy was issued. If the policy date is within one year, up to $1 Million can be purchased. If it's more than one year but within three years, up to $750,000 of coverage can be obtained. And more than three years but less than five years still allows your client to purchase up to $500,000 of additional term insurance.\

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Submitting a HIPAA Form Helps Ensure The Best Possible Rating For Your Client

Vickie Bianculli — Thu, 08 Jul 2010 22:50:07 +0000

John Hancock recently announced to all their copy service companies that any APS records obtained with a John Hancock authorization must be submitted directly to John Hancock. They are no longer allowed to release records to the BGA requesting them. As a brokerage general agency, this will impact our ability to review your client's history, discuss medical issues with the John Hancock underwriters and shop cases if the application is approved other than as applied.

We are therefore requesting that when a John Hancock application is completed that you also ask your client to complete a Provada Hipaa authorization that accompanies the Provada Preliminary application found on our Website. Your client only needs to sign and date the HIPAA form. Our case managers are being instructed to request a Provada HIPAA form to be completed with every John Hancock application that is received, if one does not accompany the formal application.

It is anticipated that other carriers will also follow suit, so it is advantageous that we get in the habit of obtaining a signed Provada HIPAA form with all applications.

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Provide Your Clients with a Free, Guaranteed College Scholarship

Lloyd Silver — Mon, 28 Jun 2010 02:24:53 +0000

Provada is pleased to announce the availability of a revolutionary college funding program that allows our advisors to provide free, guaranteed college scholarships to their clients. In partnership with Sage Scholars, the FundCollege program offers Tuition Rewards that can reduce the cost of college education by up to 25%. And when combined with a life insurance policy designed to accumulate additional funds for college, advisors can provide a tremendous service to their clients.

The FundCollege program provides Tuition Rewards just for discussing the concept with an advisor. Additional rewards are earned when clients purchase a life insurance policy, and for every year the policy is inforce. Tuition Rewards are currently redeemable at over 250 colleges and universities throughout the country.

College funding with life insurance is a very effective planning technique. Benefits include:

Tax-deferred accumulation
Tax-free withdrawals
No parental income limitations compared to other college funding plans
Excluded from State Education Financial Needs Analysis
Withdrawals / loans may be used for any purpose, not just college expenses
Maintain control and decide when withdrawals will be made, and to whom
After college, the policy may continue to provide death benefit protection and additional cash accumulation for the future!

To learn more about Provada's FundCollege program, attend a college funding webinar or register for access to our FundCollege Agent Center.

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iGO is the way to go! Saves you time and money by generating 100% “in good order” term applications

Nickelle Leist — Thu, 24 Jun 2010 17:44:21 +0000

iGO e-App on iPipeline – winner of the 2010 FSO Excellence Award for Technology Innovation in Financial Services Transformation – is an intelligent, fillable form that eliminates errors and saves time by generating 100% "in good order" term applications. To see how iGO can turbocharge your term processing, click HERE.

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Prudential Update

Vickie Bianculli — Tue, 22 Jun 2010 19:04:13 +0000

Great news for pilots. Prudential recently relaxed their underwriting criteria for private pilots. If your client has:

1) A current valid pilot's certification;

2) More than 5 years certified piloting experience;

3) A minimum of 30 hours a year recorded flight time;

4) Operates fixed wing aircrafts (ie., no helicopters);

5) And no FAA violations or restrictions,

your client is eligible to qualify for Preferred Best rates!

Student pilots, however, are no longer eligible for Non-Smoker plus rates. They will be rated Standard Non-Smoker with a minimum $2.50 per thousand flat extra.

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Transamerica states family history of cancer that isn't applicable to their gender may be eligible to qualify for Preferred Plus

Eric Gronlund — Fri, 18 Jun 2010 21:54:18 +0000

Do you have a male client with a family history of ovarian cancer or a female client with a family history of prostate cancer? At Transamerica, applicants who have a family history of a cancer that is not applicable to their gender and who may never have qualified for preferred plus status in the past may receive a more favorable rating today.

Sample of gender-specific cancers include:

n Ovarian Cancer

n Cervical Cancer

n Prostate Cancer

n Uterine Cancer

n Testicular Cancer

n Breast Cancer

Sample of gender-specific cancers include:

n Ovarian Cancer

n Cervical Cancer

n Prostate Cancer

n Uterine Cancer

n Testicular Cancer

n Breast Cancer

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Most people these days are extremely concerned about how to provide the necessary funds for their children’s and grandchildren’s college education. When 529 Plans burst on the scene a few years ago, they were viewed by many as the “ideal vehicle”.

Unfortunately, for a variety of reasons, including the lack of flexibility and less-than-anticipated stock market performance, 529 Plans have not been the panacea they were expected to be.

Fortunately, there is another exceptionally attractive and exciting solution to this problem, one that can typically provide truly outstanding results. We’re talking about Indexed Universal Life, carefully designed to maximize the policy’s cash accumulation. While we prefer Indexed policies to Variable policies because of the lack of downside risk and much less volatility, Variable policies can also be used effectively for this purpose if properly managed.

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The key to the success of this program is that, while the policy premiums are not tax-deductible, all policy values can be accessed tax-free, during the insured’s lifetime by withdrawals to basis, then loans, or totally by loans, or at death as life insurance proceeds.

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Avoid Contracting Delays By Keeping Your AML Current

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The biggest delay in contracting is confirmation that Anti-Money Laundering Training (aka AML) is current. This training is mandatory with all carriers. Make it a New Years resolution to update your AML every January through LIMRA. The carriers can easily obtain verification through LIMRA that your training is current. If Anti-Money Laundering training is not satisfied, it may not only delay contracting but issuance of the policy. You will find the link to LIMRA on Provada's website, under the contracting tab.

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