The Gen X Sales Opportunity
Most Gen Xers fear outliving their money. By converting to permanent coverage, you provide a solution that protects their family today and their lifestyle tomorrow.
- Maintain the death benefit they trust while building a permanent foundation.
- Prevent a health crisis from depleting their retirement assets with accessible living benefits.
- Lock in permanent protection without the need for a new medical exam.
Check out these flyers (1, 2) for more information.
|
|
Trade Short-Term Thinking For Protection Built For Life
Term policies can be attractive to clients who want life insurance at the lowest price. But the risk of higher premiums when those term policies expire can make the short-term route a short-sighted strategy. An alternative could be Protective Lifetime Assurance UL – a smart option for budget-minded clients who want to protect their family for the long term
- Protective Lifetime Assurance UL offers your clients an opportunity for permanent protection that can complement their financial portfolio and ensure the financial security of loved ones.
- Clients can lock in competitively priced, stable premiums at the start and maintain those rates for life – potentially saving more over the long term.
- With the Return of Premium endorsement, clients gain the flexibility to access their paid premiums at no added cost starting at year ten.
|
|
Transamerica Protection From the Get-Go – FFIUL II Express For Juveniles
When families think about protecting their children – today and tomorrow – Transamerica Financial Foundation IUL II Express (FFIUL II Express) may be what they are looking for. It combines permanent life insurance protection starting at a young age, plus cash value growth potential and long-term flexibility. Agents can deliver instant decisions with coverage in as little as 15 minutes.
Why FFIUL II Express Works for Juvenile Cases:
- Takes advantage of insurability early with permanent coverage, regardless of future health changes
- Growth potential with downside protection through index-linked accounts and a guaranteed floor
- Flexible access to cash value (non-guaranteed) for life events like education, a wedding, or a home down payment, through loans and withdrawals (policy must remain in force)
Check out the flexible design to meet your clients’ needs…
|
|
Transamerica – Key Employee Coverage Business Planning
Small business owners put maximum effort into establishing and running their business, but are they taking the right steps to make sure the business can survive the unexpected death of a key employee? The sudden departure of a key employee could be catastrophic to a company – not because the owner did anything wrong, but because they did not do enough.
Impact of losing a key employee
When thinking about the continued success of a company, who would be considered a key employee? Is it the employee the owner relies on when they’re out of office? The employee who works best with customers? Or the employee who finds creative ways to finance the business? Don’t forget, owners are often the most important key employee of any business.
Loss of key employees could have devastating effects on a business, including:
- Loss of sales due to a lack of manpower or the disappearance of personal relations
- Disruption of production or operations
- Significant costs to search for and train a replacement for the key employee
- Loss of competitive position or goodwill in the marketplace
Safeguarding your client’s business
A life insurance policy owned and paid for by the business, on the key employee’s life can help safeguard your client’s business by providing the funds needed to help in the transition after the loss of a key employee.
|
|
A Transformational Merger For Corebridge
More for producers on the Corebridge merger with Equitable; a transformational merger prompting comments from company management, and industry pundits:
- This is a unique merger uniting Two Customer-Centric Cultures both Committed to a Shared Vision
- The combined companies could become the most powerful force in the life insurance sales industry
- Corebridge Financial is one of the largest providers of retirement solutions and insurance products in the United States, proudly partnering with financial professionals to help clients secure their financial futures.
- Founded in 1859, Equitable has a proven history of providing retirement and protection strategies to individuals, families and small businesses.
For Corebridge advisors, this is not simply about size—it’s about enhanced capability. By combining complementary strengths in protection and retirement, the merged organization would deliver:
- A broader and more competitive product shelf
- Expanded investment capabilities and intellectual capital for product innovation
- Greater scale to invest in advisor technology and client experience
- Improved reputational access to high-net-worth and institutional potential clients
Equally important, both organizations share a commitment to advisor-centric models. This alignment provides confidence that the combined entity will strengthen—not disrupt—the advisor value proposition.
From a competitive standpoint, this positions Corebridge advisors to better compete with large-scale platforms while maintaining the entrepreneurial flexibility that has driven success to date.
Bottom line: This merger is an opportunity to accelerate growth, deepen client relationships, and reinforce long-term enterprise value for advisors.
|
|
Carrier Incentives
Travel the World with Cenco!
|
|
|
|
|
|
