REMINDER: Important Asset Transfer Product Revisions

 

Important Asset Transfer Portfolio Changes  Take Effect Next Week   As noted in our email of March 11, Baltimore Life is making small changes to the premium rates for our Single Premium Whole Life and Generation Legacy® products effective for new applications dated on or after Monday, April 1, 2013. We believe these changes will keep the products viable for you and your clients who want to create a legacy for their heirs, and achieve a tax-efficient asset transfer using life insurance.    Both products will maintain their current competitive first-year commission rates. All other features and benefits will also remain unchanged, including the Accelerated Death Benefit riders that are automatically issued with both products in all states were the riders are approved.    Underwriting and Product Materials To support the marketing of these products, you can complete quotes and proposals reflecting our new premium rates using one of these tools: Click on these links to the Single Premium Whole Life and Generation Legacy® Agent Underwriting and Product Guides. You can also print or order these guides from our Asset Transfer Toolkit. Secure Solutions Illustrator-Proposal software on our agent website will be available at 10:00 a.m. EST on Monday, April 1.   Policies and Procedures We will issue Single Premium Whole Life and Generation Legacy® policies using our current premium rates for applications written with a date of March 31, 2013, and received in the Home Office in good order no later than April 5. The Point of Sale Underwriting interview must also be completed with the applicant by April 5.    Funds should be received with the application unless they require a transfer from another institution.  If cash with application is not received with the application, funds must be received within our normal guidelines.    If the premiums for applications submitted by these dates require a transfer of funds from another institution, we will issue the policy applied for with a current date when the funds are received, but will use the premium rates in effect prior to April 1. All applications written or received after the dates outlined above, will be considered for issue using the new premium rates in effect April 1.   As your clients look to you for help in finding ways to increase their estate value in a low interest rate environment, we are confident Single Premium Whole Life and Generation Legacy provide competitive product solutions.     Thank you for your business!

 

Could you use an extra $1,000?

 

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Hot product. Sweet sales incentive.   Everyone's talking about ATHENE Benefit 10sm and its remarkable Enhanced Benefit Rider. Sales have been strong. And with several recent additions, it's now available in 37 states and the District of Columbia! So how about $1,000 to turn this hot FIA into a scorcher? Through May 17, 2013, we're paying agents a 1% cash incentive on their first $100,000 of ATHENE Benefit 10 business submitted and in good order. That's a sweet $1,000 over and above your commissions ... just in time for spring break and summer vacations! Download our Spring Cash Incentive Program flyer to learn more. And start selling ATHENE Benefit 10 with Enhanced Benefit Rider today! Spring Cash Incentive Program Flyer   In Texas, the rider is known as the Guaranteed Lifetime Withdrawal Benefit with Enhanced Benefits Rider. Issued by Athene Annuity & Life Assurance Company, Wilmington, DE. Product/features may not be available in all states. Contract contains exclusions, limitations and charges. See annuity contract for complete details.   FOR PRODUCER USE ONLY. NOT TO BE USED WITH THE OFFER OR SALE OF ANNUITIES.

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Important Asset Transfer Product Revisions from The Baltimore Life Companies

 

Important Asset Transfer Portfolio Update     With the challenges of a sustained low interest rate environment, we are making small changes to the premium rates for our Single Premium Whole Life and Generation Legacy® products effective for new applications dated on or after April 1, 2013. We believe these changes will keep the products viable for you and your clients who want to create a legacy for their heirs, and achieve a tax-efficient asset transfer using life insurance.    Both products will maintain their current competitive first-year commission rates. All other features and benefits will also remain unchanged, including the Accelerated Death Benefit riders that are automatically issued with both products in all states were the riders are approved.    Underwriting and Product Materials To support the marketing of these products, you can complete quotes and proposals reflecting our new premium rates using one of these tools: Click on these links to the Single Premium Whole Life and Generation Legacy® Agent Underwriting and Product Guides. You can also print or order these guides from our Asset Transfer Toolkit. Secure Solutions Illustrator-Proposal software on our agent website will be available April 1.   Policies and Procedures We will issue Single Premium Whole Life and Generation Legacy® policies using our current premium rates for applications written with a date of March 31, 2013, and received in the Home Office in good order no later than April 5. The Point of Sale Underwriting interview must also be completed with the applicant by April 5.    If the premiums for applications submitted by these dates require a transfer of funds from another institution, we will issue the policy applied for with a current date when the funds are received, but will use the premium rates in effect prior to April 1. All applications written or received after the dates outlined above, will be considered for issue using the new premium rates in effect April 1.   As your clients look to you for help in finding ways to increase their estate value in a low interest rate environment, we are confident Single Premium Whole Life and Generation Legacy provide competitive product solutions.     Thank you for your business!

 

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New Application Required In Florida

 

DATE: March 4, 2013 TO: All American Equity NMO's and Florida Agents FROM: Jessica Kilker, Assistant Vice President - Marketing Services RE: New Application Required in Florida ***IMPORTANT INFORMATION - PLEASE READ CAREFULLY*** American Equity's Annuity Application has been upgraded to comply with new state regulations. This version is required for all business written in the state of Florida. It is a great tool to capture pertinent information about the Owner/Annuitant and Beneficiary. In addition, you no longer need to complete a separate W-9 as this information is now included in the Application. Effective immediately, the new application for Florida will be form #12 A-2000.1 dated 1.2.13. Click here for a copy of the new form. Please discontinue use of Annuity Application form #2000-FL (Rev) (1/1/10). This version will no longer be accepted after March 29, 2013. For assistance in completing the new application, please view the training video on our interactive agent website www.american-equity.com. Click on the Training tab on the left side of the agent homepage. Thank you for your business. Please visit our website or call the Marketing Department at 888-647-1371 for more information or to order supplies. FOR MORE INFORMATION, CALL MARKETING 888-647-1371 www.american-equity.com | PO BOX 71216, DES MOINES, IA 50325 For Agent Information Only. Not for use in soliciting or adverising to the public New App - FL 03.04.2013

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