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.


Protective Advantage Choice UL Price Increase

Effective September 8, 2021, Protective Advantage Choice UL will be repriced with a slight rate increase. The slight rate increase helps accommodate the current interest rate environment and continue to offer this competitive solution.


GBS News: Policy Review Kit | Life Settlements Case Study | LTC in WA Updates | and more

There’s never been a more important time to conduct a policy review! Life insurance, like any financial asset, should be reviewed on a regular basis to make sure it is still meeting clients’ objectives. One of the most important functions we can perform is to monitor if clients’ life insurance policies are still applicable given their current financial and future goals.


Fixed Indexed Annuities in Retirement Planning

In this newsletter, you’ll find a selection of timely resources that can help support your conversations on using fixed indexed annuities as a retirement savings vehicle. Use the below resources to discuss solutions with centers of influence and clients so they can start to take action today.


Business Planning Resources

Business owners want to protect their business and income but often need help in understanding the risks they face day to day, and how to plan for the continuation of their companies.


GBS News: PruFast Track | PL Promise Term | Symetra SwiftTerm | LTC in WA | and more

To get more clients on their way to a faster, more convenient buying experience, beginning July 19, 2021, all PruFast Track eligible business MUST be submitted via Prudential Xpress QuickForm worksheet or Drop Ticket.


BREAKING NEWS: Principal Discontinuing Most Consumer Sales

Principal announced they are exiting the individual consumer life insurance and annuity business by the end of the 3rd quarter 2021, and will be concentrating on business sales of life and disability products.


GBS News: Penn Mutual Leaving Brokerage | Product and Pricing Changes | and more

Penn Mutual will no longer make their products available through wholesale distribution effective 6/30/21.This strategic change applies to ALL Brokerage General Agencies nationally, including GBS Life.


Client Prospecting Tool for Retirement Income Protection

Are you looking for new sales concepts to send your clients? Reach out to your clients and prospects with this campaign-in-a-box toolkit on retirement income protection. 


GBS News: WA State LTC Update | DI Sales Opportunities | Fixed Index Annuity | and more

The soon-to-be-enacted "Long Term Services and Trust Act" will impose a .58% annual tax on Washington state's workforce to fund one year of future LTC benefits (non-portable and only available if still living in WA). The only way to "opt-out" and avoid paying this tax is to show proof of existing coverage.

While the Trust Act could be beneficial for low-to-middle income earners, it negatively impacts those highly compensated individuals who will pay a much larger, disproportionate amount for the same, minimal benefit.


GBS News: New PacLife Program | UL Price Increases | Higher Fluidless Underwriting | and more

PL Swift Sailing offers your clients a more convenient and less invasive underwriting process so they can get the life insurance coverage they need faster. PL Swift Sailing requires no medical exams, needles, fluids, or APS. Those up to age 60 could get up to $2 million in coverage, even with nicotine use. Use this checklist to see if your clients will qualify


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