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New! Underwriting Thyroid Nodules
Click here to learn more on how Banner underwrites thyroid nodules.
PLUS
New! 1/28 - LTC CE Seminar
On Thursday, January 28, PLUS will be hosting a CE Seminar on LTC planning. Click here
for the details and to register.
Contest: $250 for 5 Applications
You can get paid $250 cash for getting 5 paid cases using the Genworth Life Quick Request (LQR) online application process starting 1/1/2010. Click here
for the details and for a demo of the application, click here.
New! Life Quick Request Teleconference Training
Join PLUS and Genworth on 1/8, 1/15, 1/22, or 1/29 for a teleconference training on how to use the Life Quick Request Online Application. See below for sign-in details:
1/8-
Time: 9:00am-9:30am
Attendee URL: https://securemeeting.genworth.com/meeting/92909438
Password: xsfIc5gi
1/15-
Time: 9:00am-9:30am
Attendee URL: https://securemeeting.genworth.com/meeting/04893385
Password: fouLg818
1/22-
Time: 9:00am-9:30am
Attendee URL: https://securemeeting.genworth.com/meeting/37367268
Password: ZxZpy7GO
1/29-
Time: 9:00am-9:30am
Attendee URL: https://securemeeting.genworth.com/meeting/06915077
Password: 7Yq08Cmb
1/19, 1/26 & 2/2 - Disability Sales
Training
Click here for
details and to register.
Sales' Coaching Available 2/16/10- 5/11/10
PLUS will be offering sales coaching again through Sales Coaches' Corner. Click here for details and to register.
Paperless Application System Available (iGo)
You can access iGO paperless application system through the
PLUS website under Forms. To learn how to use this incredible paperless system
register for a WebEx offered every Tuesday and Thursday at 3pm. To register, go
to http://www.ipipeline.com/iGo/iGO-demo-reg.php.
Carrier Bonus Available*
SunLife - 10% Commission Bonus
on Sun Universal ProtectorPlus cases paid by 1/31/10! Click here for details.
*In addition to PLUS' Premier Producer Program
Recent Re-pricings
ING - ROP Term Rate Change
ING changed their ROP Term rates on 1/1/2010. Click here for more information.
SunLife - UL Repriced on 1/1/10
On January 1, 2010, SunLife repriced their UL No-Lapse Guarantee Portfolio. Click here for more details.
Sales Idea of the Week
Did you know that there is a rider that will waive surrender charges during the first 5
years of a UL policy? Contact the marketing team at 248-603-3524 or plusmarketing@plusonweb.com for more information.
Important Annuity Information
New! Current Annuity
Rates
| Annuity Top Rates - as of 01/04/10* |
| According to Bankrate.com, the National
Average for a 1 year CD is 1.42%; 5 years is
2.56%. |
| Here is what you can do with an Annuity working with PLUS: |
| Years |
High Band |
Low Band |
Company/Product |
Surrender Term |
Withdrawal Window |
| 10 |
3.85% |
3.85% |
American General - HorizonSelect 10 |
10 Years |
|
| 9 |
3.95% |
3.95% |
American General - Horizon Choice 9 |
7 Years |
30 Days |
| 8 |
3.70% |
3.60% |
American National - Palladium MYG 8 |
10 Yeas |
30 Days |
| 7 |
3.55% |
3.55% |
American General HorizonSelect 7 |
10 Years |
30 Days |
| 6 |
3.30% |
3.15% |
Lincoln Financial - MYGuarantee Plus 6 |
6 Years |
|
| 5 |
3.15% |
3.00% |
Lincoln Financial - MYGuarantee Plus 5 |
5 Years |
|
| 4 |
2.45% |
2.45% |
Principal - Secure Fixed Annuity 4 |
4 Years |
|
| 3 |
2.10% |
2.00% |
American National - Palladium MYG |
10 Years |
30 Days |
| If your client's plan is to leave money for their
children - ask about single premium life… a powerful option! |
| *
Rates are subject to change, please contact our Marketing Department for
current rates at 800-887-7587
or visit our website at www.plusonweb.com and go to Products >> Annuities >> Annuity Rates.
Agent use only. |
Click here for frequently asked questions about Roth IRA
Conversions with the new 2010 rules. If your clients have questions, now you
have the answers.
New! Cash Bonus Incentive
American National is offering a Cash Bonus for the total of all fixed annuity business written and paid between January 1st & April 30th, 2010! See below for details:
|
Annuity Amount
|
Cash Bonus
|
|
$1,000,001+
|
$1,000
|
|
$750,001 - $1,000,000
|
$750
|
|
$500,000 - $750,000
|
$500
|
This offer may not be available in all distributions. Contact PLUS to confirm eligibility. Cash Bonus is non-cumulative and only paid to the writing agent.
Important LTC/DI Information
New! LTC Sales Tip from Mutual of Omaha
Click here for Mutual’s Sales Tip of the Month.
Hancock LTC marketing materials changed at year-end 2009
On
12/31/09, John Hancock Life Insurance
Company merged into an existing affiliate, John Hancock Life Insurance
Company (U.S.A.). As a result, new LTC materials and forms are required. Please contact our LTC Department for updated
applications and brochures if you store these materials. 1-800-887-7587 ext.
3508 or email us at LTCandDImarketing@plusonweb.com.
Tell us whether you want a PDF or hardcopy, and mention quantity if the latter.
Federal LTCi Plan Comparison Available
John Hancock has published a
comparison of the Federal plan (which they underwrite) with their individual plan, Custom
Care II Enhanced. Be prepared for questions from your federally-employed
clients, or contact our LTC Department for assistance.
Earn up to 60% IDI compensation
Principal Financial offers up to 60% individual disability income compensation along with excellent products and underwriting. Click here for more information.
LTC
Training Requirements by State – Be Prepared!
LTC State-Mandated Education Requirements
Requirements are changing frequently as more and more states adopt LTC Partnership Programs as a result of the Deficit Reduction Act of 2005
or of the NAIC Model Regulation. If you need CE credits, why not take your
state’s 8-hour LTC course and be ready? For current information from ClearCert
about your state’s specific requirements, click here. For
Michigan, some carriers have specific requirements (Genworth, Hancock,
MoneyGuard). Please see the PLUS website for those carrier requirements, or
contact our LTC Team at LTCandDIMarketing@plusonweb.com.
Members of TAC Insurance Group
 - Professional Life Underwriters Services is a full-service General Agency
that offers a large selection of individual insurance products while providing exceptional services to the insurance brokerage community. Visit us online at www.plusonweb.com.
 - Selling Blue Cross Blue Shield of Michigan/Blue Care
Network (BCBSM/BCN) business or need help? Action
Benefits has been BCBSM/BCN’s premier Managing Agent for 14 years and
counting! For more information, visit us online at www.actionbenefits.com.
 - Services, Savings, Solutions, Simplicity! Providing key administrative services and additional
benefits to both you and your Blue Cross Blue Shield of Michigan/Blue Care
Network (BCBSM/BCN) clients at no additional cost. Visit us today at www.association-benefits.com.
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Professional Life Underwriters Services LLC, 2155 Butterfield Dr., Suite 102 South, Troy, MI 48084
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