Tuesday Tips – August 22nd, 2017


Global Atlantic Sunsetting Products

Global Atlantic has announced that they will be retiring the Income 125+ and Index bonus 115 products.  The last day to submit an application is  September 1st.  Call today for additional details.

AIG Price Reduction

AIG has lowered pricing on their term portfolio.  The reduced pricing impacts death benefit amounts of 500k+ and applies to non New York and New York cases.

Sales Concept

Policy Stacking With ROP

Several carriers now offer ROP on their GUL products.  If a client has a death benefit need that they expect to be lower in the future stacking 2 policies together can be a cost effective way to address their current death benefit need as well as their death benefit need in the future.  When the client is ready to reduce the face amount they can surrender one policy and pay up the remaining plan and eliminate any future premium payments on a guaranteed basis.  Call today to learn more.

Industry News


It was announced last week that LPL has completed the purchase of National Planning Holdings Inc. an independent broker dealer.  The initial price was $325mm with an additional payment of up to $123mm due next year depending on how many advisers the LPL retains.

Hot Rates

AIG Max Accumulator + IUL

The Max Accumulator + IUL by AIG is a competitive, flexible IUL designed for income as well as life’s what ifs.  The product offers an annual point to point cap on the S&P of 13% along with multiple other indices.  In addition to this the product offers a chronic illness rider, income for life rider, and a select income rider which lowers the cost of the plan if the death benefit is taken in installments.  Call today for additional details and state availability.

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About the author

Legacy Financial Partners - Legacy Financial Partners is an independent and full service Life Insurance and Annuity FMO that provides specific marketing solutions to help their clients succeed. Using dynamic tactics, an extensive support network and progressive marketing options, Legacy Financial Partners provides unique and specific development strategies to their business partners.

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