Many cost-conscious life insurance shoppers look to term life insurance for its perceived cost efficiency. But is that always the best option? Permanent policies, such as Lifetime Foundation Elite, may prove to be more cost effective and offer greater premium flexibility while providing lifetime death benefit protection.
Their Premium - Our Product - A Flexible Solution
No-lapse guarantee (NLG) products are perceived to have some of the most inexpensive premiums in the marketplace for guaranteed death benefit protection to age 121. However, Lifetime Foundation ELITE indexed universal life (IUL) has premiums that compete favorably with NLG products for the same level of death benefit on a non-guaranteed basis while offering a unique combination of death benefit guarantees and flexibility. See more...
If a Perm Is Too Much…Consider a New Look With Term!
Do your clients think life insurance is too expensive? Are your clients paying for more than they need? Are your clients concerned about income replacement? Term life insurance can address life’s practical needs when perm is a bit too much. Check out the infographic.
AIG’s Underwriting Requirements: A Faster, Simpler Process
AIG’s ongoing focus is to improve the speed and efficiency in which your cases are approved. To this end, they have updated how they manage and evaluate the case information that is reviewed by underwriting. See more.
Lower IUL Premiums Can Deliver: Similar GUL Guarantees and More Cash Value!
With a QoL Value+ Protector policy you get an attractive death benefit guarantee and substantially more cash value for a lower premium cost. Check out the sales ideas
Participating Fixed Versus Linked Loan Option In The Indexed Universal Life Insurance Market
Global Atlantic’s new Linked Loan Option, available on Lifetime Builder Elite IUL, brings the indexed value proposition - upside potential with downside protection – to policy loans. When your client takes a loan and elects the Linked Loan Option, the loaned funds are transferred to a 1-year Point-to-Point strategy with the upside potential to earn as much as 12% and the amount of interest charged on borrowed funds will never exceed a NET loan cost of 2%. Check out the crediting rate.
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AIG Partners Webinars
AIG Partners Group frequently host product training and sales concept webinars every week for their producers. All webinars are complimentary and recorded for future viewing in AIG Campus (formerly Career Campus) located within eStation. Join the webinar on “Recent Product Updates on QoL Max Accumulator+” on August 15th at 12:00 PST.
DI Tip Of The Week
Sell More DI - Start With Yourself
One way to increase your individual Disability Income (DI) insurance sales is to buy it for yourself. Having your own DI coverage shows clients the value and is a great way to:
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- Protect your own income.
- Earn strong commissions and renewals to help offset the cost.
- Experience the application and underwriting process firsthand, so you can share insights with clients.