Legal & General America: Writing Term Life Insurance Has Never Been Easier
We’ve simplified the process with a new streamlined approach that helps you every step of the way.
Technology is an incredibly effective tool to move your business forward while keeping people at the heart of what you do.
The Horizon Experience offers the customized and personalized service your clients want — whether that’s a solo journey through our digital app, some help along the way from an advisor, or a hand from our skilled call center team.
Explore how we’re making the process of getting term life insurance as easy as
1-2-3. We are here for you and your clients, making purchasing life insurance simpler, faster and more flexible
See how easy life insurance can be with the Horizon Experience
SECURE 2.0 Act Summary
16 new provisions of the SECURE 2.0 Act summarized for you!
Give yourself and clients an edge! The SECURE 2.0 Act will help Americans bolster their retirement savings and strengthen their long-term financial security. Be one of the first to talk to clients about what this means for their retirement strategy.
American National to Discontinue Term Sales
American National has arrived at the purposeful decision to cease term life sales at this time. As of 12/1/2022, American National will no longer accept applications for Signature Term Life Insurance.
Prudential Innovates Again! Coming Soon: Prudential FlexGuard® Life IVUL
Securian: Competitive Underwriting for Tobacco and Recreational Marijuana Use
Through ongoing research and development, Securian Financial has earned a reputation for improving underwriting standards. They can offer competitive underwriting decisions for recreational marijuana, tobacco and non-combustible tobacco use through various underwriting initiatives. View the guidelines below to see if your client qualifies.
RECREATIONAL MARIJUANA GUIDELINES
John Hancock: More Options For Couples Seeking Life Insurance
We have good news for couples seeking additional value and greater choice in their life insurance protection. Now you can offer them two new riders on Protection SUL and Protection SIUL, including:
- New Cash Value Enhancement: offering higher cash surrender value in early years
- Much-improved Policy Split Option: a cost-effective way to split a policy without underwriting*
Watch this 60-second video to see how these enhancements make planning complex cases easier, while also offering more value for customers.
* In the event of insureds’ divorce or tax law changes.
AIG Life & Retirement is now Corebridge Financial
AIG Life & Retirement is now Corebridge Financial, one of the largest providers of retirement solutions and insurance products in the United States.
While our name has changed, our focus remains the same—to proudly partner with you to help people protect, plan, and achieve secure financial futures.
It’s business as usual for our clients and partners, and there is nothing you need to do at this time.
Our issuing life insurance companies will remain the same—American General Life Insurance Company and The United States Life Insurance Company in the City of New York. Please know that you may see—at least for a time— both the Corebridge and AIG brands on our materials and websites.
Our relationship with you is extremely important to us. Thank you for your ongoing partnership.
Action is everything.
Pacific Life Introduces Pacific Accelerated Life+ (PAL+)
Now when applying for new PL Promise Term¹ life insurance policies, you and your clients can enjoy the convenience and clarity of one seamless underwriting process with higher face amounts, broader age requirements, and fewer restrictions.
PAL+ combines the former PL Swift and PL Smooth Sailing underwriting programs into one cohesive, all-digital life insurance experience.
Sounds good, right? Click HERE for more information.
Great News: John Hancock is Increasing the Crediting Rate on All Protection UL and SUL Policies
We are pleased to announce that John Hancock is increasing the crediting rate on all our Protection UL and Protection SUL policies — both new and existing — for the second time this year.
Once again, our unique, alternative long duration asset (ALDA) investment strategy within our General Account, combined with our strong product design, enables us to share value with our customers.
Effective September 1, our crediting rate on Protection UL and Protection SUL policies will increase by another 20 basis points — resulting in a 50-basis-point increase within a six-month period:
John Hancock USA: 4.65% to 4.85%
John Hancock NY: 4.40% to 4.60%
Please click HERE for more information.
Legal & General America: As of August 1 We Will No Longer Accept the Traditional Paper LIA
Effective August 1, we will no longer accept the traditional paper life insurance application (LIA).
Last month, we reached out to you with important news affecting those advisors using the traditional paper LIA (ICC08-LIA and state variations) to submit business for Banner (non-NY) business.
- introduction of an alternative application to the traditional paper LIA — a new LIA (ICC17-LIA and state variations for CA, DE, FL, ND, SD) that is accessible in the Forms section of our Partner Dashboard
- overview of changes made to our traditional application process until we retire the traditional paper LIA
Effective August 1, we will no longer accept the traditional LIA (ICC08-LIA and state variations). As of this date, these forms will no longer be accepted. All applications must be submitted with either the new LIA or the digital application through our Horizon platform.