August 2014 - Creative Edge

Preparing clients for the underwriting process

Preparing clients for the underwriting process will help you avoid the “it’s not done yet” speech. Underwriting has always been a hurdle to jump over when applying for life insurance. With new regulations imposed on insurance companies, home office underwriters take a conservative approach in properly evaluating your client’s medical history.  This not only creates delays but… Read More

Related terms: Life, Underwriting



North American Company announces changes effective August 26

NACOLAH

North American Company for Life and Health Insurance announces changes to interest rates, lifetime payment percentages, and premium bonus percentages, effective Tuesday, August 26, 2014. Changes include: Interest rate increase on most of North American’s fixed index annuities. A 4-year MYGA special that includes a 3-percent first-year rate on North American Choice and North American… Read More


New Athene Benefit 10 launching in September

The new Athene Benefit 10 will be based on Athene Annuity DE’s flagship product and will also have new design features you’ll want to learn more about! At launch, it will be available in 32 states only to producers contracted with Athene IA. Athene will no longer sell the current Athene Benefit 10 in states where the… Read More


FGL launching “Safe Income Plus” on August 22

Register now for a new webinar training series dedicated to our newest fixed deferred indexed annuity, Safe Income Plus! Launching this Friday, August 22, this new fixed index annuity offers one of the highest income streams in the industry. Choose one of four sessions to hear about this new product: Thursday, Aug. 21: 10 a.m. CDT | Friday, Aug…. Read More


What is a blog and why producers should be blogging

Sharing interesting and relevant information with clients and prospects can pique their interest in your services. You may have read or heard “experts” explain the importance of blogging as part of your online marketing plan. You may be wondering, “what is a blog, and what will it do for me anyway?” It must be a… Read More


Social Security’s Financial Outlook

The Center for Retirement Research at Boston College has released a new brief titled, “Social Security’s Financial Outlook: The 2014 Update in Perspective,” by Alicia H. Munnell, director of the center. The brief’s key findings are: The 2014 Trustees Report shows little change from last year: Social Security’s 75-year deficit rose modestly to 2.88 percent of… Read More


American Equity fixed index annuities offer new enhancements

American Equity has announced changes to most of its Fixed Index Annuities, including the Bonus Gold, ranked by Barron’s* as one of the top 50 annuities in 2014. The changes include:  Lifetime Income Benefit Rider (LIBR) Enhancement New Index Crediting Method Call your CreativeOne Sales Team at 800.992.2642 for more information on changes to American Equity’s fixed index annuities.


“I Gotta Guy” with Atrial Fibrillation (AFib)

Increasing cases of Atrial Fibrillation, also known as AFib, are being diagnosed every year. Therefore, you will likely see more clients with a history of AFib. We as field underwriters should be prepared to recognize AFib, symptoms, and types of treatment. AFib is an irregular and often rapid heart rate that commonly causes poor blood… Read More


Why the Social Security retirement age is really 70

One of the most frequent questions people have about Social Security is when they should begin drawing their monthly benefits. While it’s widely believed that the Social Security retirement age is 66 or 67, one recent study suggests it’s actually age 70. Fidelity & Guaranty Life (FGL) has teamed with the Center for Retirement Research… Read More


Register for upcoming Athene webcasts

Target Series FIAs Tuesday, August 12, 2014, 10 a.m. – 11 a.m. CDT Register and attend this webcast to learn: Product detail of the Target Series FIAs. How to simplify the income rider conversation with Target Pay and Target Pay Plus Several ideas on how to position this competitive suite of products in your book… Read More