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Symetra Discontinues Sales of GUL Products Effective 12/31

Due to the continued and prolonged low interest rate environment and competitive landscape, Symetra has decided to discontinue sales of their guaranteed universal life insurance products, which include their currently sold Symetra UL-G and the previously suspended Symetra Survivorship UL-G.

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Group Term Insurance vs. Individual contracts and how to save your clients' money

Did you know employer-sponsored group term life goes up in premium every five years, and part of the premium paid by the employer may be taxable to the employee? Group insurance is a convenient low-cost way to get coverage with no underwriting and little hassle, but at older ages there may be better solutions.

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Key-Person Life Insurance Solutions During COVID-19

Given the current market, many of our advisors have been asked by business clients about the availability of Key-Person coverage for executives and critically important contributors at their companies. We continue to have access to the markets for all of your Key-Person needs. We are utilizing the carriers accelerated underwriting programs in order to access up to $5,000,000 of coverage without full medical underwriting or labs for a Preferred to Standard health risk. Financial Underwriting requirements remain the same with each respective carrier.

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Have You Considered VUL?

Despite the challenges we are all experiencing in 2020, Variable Universal Life (VUL) sales remain strong – LIMRA reported new VUL annualized premium jumped up 17% in the second quarter of 2020. 

As your brokerage manager, you'll find VUL offers from over a dozen top carriers and virtually all of those carriers have variable selling agreements with most major broker-dealers (BD) that our advisors work with.

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GBS News: AG49-A - What You Need to Know | Symposium with Condoleezza Rice | Product Updates | and more

Exclusive Symposium with 66th U.S. Secretary of State, Condoleezza Rice

Listen in on a fireside chat with former Secretary of State, Dr. Condoleezza Rice and Prudential’s own Salene Hitchcock-Gear, President, Individual Life Insurance and Prudential Advisors.

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Tax Advantages for Business Long Term Care

There is a unique opportunity for C-Corps to offer LTC on a discretionary basis and receive significant tax deductions. The ideal case involves a closely-held business looking to benefit primarily the owners (and their spouses), or at most create a carve-out LTC plan for 20 or less executives or highly-compensated employees.  

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Is Whole Life Insurance Back?

Whole Life is still the most popular permanent cash value insurance product on the market, partly because it is sold by legions of career agents working for mutual carriers. But whole life continues to offer several advantages to advisors selling through brokerage affiliations. Most important of those being safety, predictability, guarantees and more flexibility than you might realize. We offer several of the top rated, best-performing, and well known whole life carriers.

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AG49-A: What You Need to Know

To further protect your Indexed Universal Life (IUL) clients, the National Association of Insurance Commissioners (NAIC) recently enacted revisions to the AG49 regulation that governs IUL products. The new version of the regulation, called AG49-A, will further limit how carriers illustrate their IUL products and provide more transparency.  All Life Insurance carriers must be in compliance with Actuarial Guideline 49-A (AG49-A) for IUL illustrations by November 25th, 2020. 

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GBS News: SBLI No Exam Up to $750k | Offer Match Program | Symetra Accelerated Underwriting | and more

SBLI's unique Accelerated Underwriting process guarantees no face-to-face contact for all clients, ages 18-60 seeking $750,000 or less of Term for all risk classes.

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Case Study: Annuity to LTC Planning Opportunities

In this actual case, our advisor was able to show clients how to gain leverage of up to six times the value of an old variable annuity when used for tax-free LTC benefits. This technique using the Pension Protection Act of 2006 (PPA) allows the client to wash away all the taxable gains to the extent LTC benefits are actually paid out.

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