Tuesday Tips – November 17th, 2015


Mutual Of Omaha Rate Incease

Mutual of Omaha will be increasing rates on several blocks of inforce LTC business effective February 1, 2016. Letters will begin going out December 1, 2015 to notify policy holders of the new rates. Call today for additional details.

North American Introducing New Income Rider

Effective December 1, 2015 North American will be launching the Income Pay Plus Rider and discontinuing the current Income Pay rider. In order to receive the old rider applications must be received at the carrier no later than November 30, 2015. The new rider is designed to offer more flexibility with competitive income. Call today for additional details.

Sales Opportunity

Year End Planning

While many advisors start to wind down this time of year. There is still time for clients to take advantage of planning opportunities to benefit them for this tax year. Available for download is a year end planning guide as well as our recent marketing corner article.

Industry News

Americans Too Conservative?

According to a recent survey by BlackRock Americans on average hold 65% of their net worth in cash. Keeping money too safe can be just as dangerous as investing too aggressively. As clients open themselves up to “go broke slowly” by not generating a yield significant enough to keep pace with inflation, expenditures, etc.

Hot Rates

Sagicor Fixed Indexed Single Premium Whole Life

Sagicor offers several life and annuity products and one of their most competitive products is their single premium indexed whole life. It is a single premium simplified issue product that offers a declared interest option along with multiple indexing options. It credits an immediate 10% premium bonus and a guaranteed return of premium day one. It also offers additional liquidity for terminal and chronic illness. The product also boasts competitive compensation and writes to age 85. Call for additional details and state availability.

Sales Opportunity Downloads

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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