Advisors Blog

Our GBS Life Insurance blog is here to help provide you with the most current news and resources to help you better serve your clients.

This information is considered reliable at time of publishing and statements and opinions are subject to change without notice.
Consult your Brokerage Manager for any updates.


GBS Newsletter | June 2022 Issue

The majority of people will need long-term care (LTC) at some point during their lives, and the costs can be significant.

Hybrid LTC offers your clients an efficient way to plan for these potential expenses. The included LTC coverage carries a death benefit that protects premiums paid from loss if LTC benefits are not needed.


GBS News: Weekly Product and Underwriting Updates - Week of June 13, 2022

Effective immediately, any financial professional appointed with an AIG Life & Retirement business now has a 2-year window to renew their AML training, dating back to the last date of AML training completion.


GBS News: Weekly Product and Underwriting Updates - Week of June 6, 2022

AU+ is AIG's streamlined underwriting process that’s available for issue ages up to 59, risk classes from Standard to Preferred Plus, and face amounts up to and including $2 million!


GBS News: Weekly Product and Underwriting Updates - Week of May 30 - June 2, 2022

AIG has increased the street level commission on the 10-Year Select-a-Term! To confirm your commission schedule please log into Connext and find your schedule, under Contracting & Commissions, and Agent Lookup. Also effective May 23, 2022 there will be premium rate changes in all states except New York, where rates will remain the same.


GBS Newsletter | May 2022 Issue

Performing periodic life insurance reviews is a sound practice, ensuring that their clients’ life insurance portfolios continue to meet their evolving needs, while keeping pace with ever-changing market conditions. Policy Reviews analyze changes in insurance carrier ratings, structure, portfolio management and overall policy performance. 


Principal Business Planning Solutions: Give Key Employees a Big Reason to Stay

As more and more employees leave their jobs voluntarily, how will your business owner clients attract and retain the right talent? Businesses are already offering key employee benefits at record levels and more than half of those businesses want to offer more benefits! But what do they want? What do they need? To get a better perspective, Principal asked more than 1,000 business owners about their priorities as well as the importance of benefits for their key employees.


GBS News: Weekly Product and Underwriting Updates - Week of May 16, 2022

Equitable is making the following changes to their Term Series 160. Effective May 2, 2022, the following changes will apply to Level Term 10, 15, 20 and ART: The minimum face amount will be raised to $1,000,000 except for applications signed in New York or Puerto Rico.


GBS News: Weekly Product and Underwriting Updates - Week of May 9, 2022

The option to opt-out of AIG's exam-free program Agile Underwriting+ is now available for IUL cases submitted via iGO full eApp. This option may be useful for clients who will likely require exams and labs.


GBS News: Weekly Product and Underwriting Updates - Week of May 2, 2022

Effective April 30, rates in WinFlex for the Income for Life Rider on QoL Max Accumulator+ II IUL policies will be updated to improve annuity factors and adjust the one-time activation charge for select ages. As a result, the guaranteed income from the rider will increase by an average 15% for issue age 35-55 if the rider is activated before age 80.


GBS Newsletter - April 2022 Issue

Many clients desire a life insurance policy which includes significant guarantees, however the cost to guarantee their death benefit to age 100 may be prohibitive. Advisors may be able to design a premium funding strategy which will guarantee the death benefit to age 90 (past life expectancy) with the option to extend the death benefit to age 100 at a higher premium if needed. This case study illustrates a scenario that provides permanent protection at the optimal cost.


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