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New Underwriting Pre-Screen Tool

Posted by acampbell on Jun 21, 2017 in Life
A safe and secure way to gather underwriting information without having to ask health questions. A good pre-qualification can help save a sale! Find out more.

New IUL Infographic

Posted by LTCi Team on Jun 20, 2017 in Life
Take a quick look at why you might want to consider an IUL instead of a GUL.

Protective ExtendCare Rider now available with more products

Posted by LTCi Team on Jun 7, 2017 in Life
Protective Life Insurance Company is please to announce that their new ExtendCare Rider is currently available with their Investors Choice VUL and Strategic Objectives VUL products. Key features to consider: Removal of the permanent loss of two Activities of Daily Living (ADLs) requirement—there...

How active are your clients?

Posted by acampbell on Apr 20, 2017 in Life
Talk to us about products that reward your clients for living a healthy lifestyle.  

Upcoming PruLife UL Protector Product Changes

Posted by acampbell on Feb 13, 2017 in Life
Effective February 27, premium rates on PruLife® Universal Protector will increase in approved states. This new pricing will not have Face Amount limits. Click for more information.    

Rate Changes for Pru’s Term Essential

Posted by acampbell on Feb 13, 2017 in Life
Prudential announced rate changes for new sales of one of its most popular products, Term Essential. Effective February 27, you'll see changes in rates, plus other product enhancements.   Click to read more.

Genworth announces their suspension of All Traditional Life Insurance and Fixed Annuity Sales effective March 7, 2016.

Posted by Gretchen Jabben on Feb 5, 2016 in Life
Stand-alone LTCi sales are not impacted.   In our predictably fluctuating financial market economy we occasionally see changes within the insurance industry which catch us all off guard. We are processing the information from Genworth and waiting on analysis which will provide us with additional...

A Thaw in the Life Insurance Industry

Posted by Life Team on Oct 25, 2016 in Life

Life Insurance Awareness Month Starts Today!

Posted by Life Team on Sep 1, 2016 in Life
September is Life Insurance Awareness Month, and a great time to talk with your clients about their life insurance needs. Life Happens has a comprehensive campaign, including fliers and videos,  to help you get the conversation started. Check it out today. Life Happens LIAM Campaign

New Life Insurance Application for Banner Sales in Kansas

Posted by Life Team on Aug 25, 2016 in Life
Legal & General America's Kansas life insurance application has recently changed. The old application will no longer be accepted as of September 23, 2016. Please contact any of our life sales team members with questions, and click here to see the official announcement.

January 28: The Evolution of Long Term Care & Insuring the Risk – Onsite 1 Hr CE KS/MO

Posted by Gretchen Jabben on Jan 2, 2016 in Life
Join us on Thursday, January 28 at 8:30 am for onsite CE. During this one hour class, Timothy Vannoy, CLU, ChFC, CFP will be exploring how to help clients plan for long term care events. He will be discussing the traditional long term care marketplace and recent events facing the carriers. There...

Review More than the Policy – The “Policy Owner” Review

Posted by Life Team on Dec 15, 2015 in Life
It is amazing how many years can go by before the average client gets an annual policy review.  Sometimes, it’s many, and that’s not good for anyone. Life insurance is the largest unmanaged asset anyone ever owns yet it does need regular review. Yet, there is much more to review in a life portfolio...

Principal Financial requires Direct Deposit of all Commission Checks by October 31.

Posted by Gretchen Jabben on Sep 17, 2015 in Life
For several years, the Principal Financial Group® has encouraged financial professionals to receive all types of payments via direct deposit. It is fast, simple and secure. As we continue to improve the quality of service we provide, we have made direct deposit our approved method of payment. Please...

Point-of-Sales Assistance

Posted by Life Team on Sep 10, 2015 in Life
Point-of-sales assistance is a process where a financial advisor (FA) partners with the subject matter expert (SME) within Target Insurance Services. In this partnership, it is not uncommon for the FA and SME to meet jointly with the prospect and develop a customized insurance plan. In some cases, the...

Picking the Right Life Insurance Product

Posted by Life Team on Jul 28, 2015 in Life
Life Insurance comes in many shapes and sizes. The type of policy that an individual should purchase depends on many factors such as: age when purchasing policy, medical history, use of tobacco, number of children and marital status. Choosing the right type of life insurance depends on individual circumstances...

Educational Opportunities

Posted by Gretchen Jabben on Jul 27, 2015 in Life
May 1, 2017: 2 hours with Jerry Bell; 1 hour 1035 Exchange CE March 29, 2017: 2 hr DI CE with Rick Cordara; Lunch and learn with Shawn Britt March 2, 2017: 1 hr DI CE; 1, 2, or 3 hrs Ethics CE; Jerry Bell CE; February 2, 2017: 2 hours DI CE; 1,2 or 3 hours of Ethics CE; Upcoming WebExes ...

Life Insurance 101

Posted by Life Team on Jul 21, 2015 in Life
 Why does my client need life insurance? Buys time: Allows loved ones to focus on their grief by helping to pay for the funeral and other costs. Provides a fresh start: Lets loved ones start with a clean slate by helping to pay off credit card bills, outstanding loans and even the mortgage. Generates...

Target Newsletters

Posted by Gretchen Jabben on Jul 16, 2015 in Life
June 20, 2017: New Underwriting Tools from Target; Term Pricing Update from LGA; DOL Summary for Annuities May 11, 2017: Voya Annuity Webinar; Acknowledgement & Consent for EOLI; Vitality and Diabetes April 19, 2017: Get Ready for DIAM; Target InSights George Wilkins; LGA Claims Paid ...

Target Newsletters

Posted by Gretchen Jabben on Jul 16, 2015 in Life
An important part of our job here at Target is to keep our eyes open and pass along to you industry news, sales ideas and other information to help you grow your business. Matt McAvoy, CLU, ChFC, MSFS President READ MORE

Life/LTCi Combo/Hybrid

Posted by LTCi Team on Jul 6, 2015 in Life
As brokers have observed changes in the LTCi industry, including past rate increases and carriers leaving the market, some have looked for alternatives to traditional LTCi. They want something that addresses the client concern of “use it or lose it.” Combo/hybrid products can be a solution. What...

Conversions

Posted by Life Team on Jul 6, 2015 in Life
Good for Insureds, Good for Agents Almost every term policy has contractual conversion rights in the policy which allows the insured to exchange their policy or a portion of it for a permanent one without providing any medical underwriting. This is a particularly valuable benefit for someone whose...

Target Market Profiles

Posted by DI and CI Team on Jul 3, 2015 in Life
Each profession has their own needs when considering income protection. Use these occupation-specific guides for an overview. Use these guides if you have an interest in pursuing a specific target market. You may have existing clients that you would like to pursue an income protection planning conversation. The...

Win The Big Case

Posted by Life Team on May 11, 2015 in Life
How Target’s Underwriting Can Help You Win the Big Case Placing a Big Life Case is obviously financially rewarding and can enhance your reputation and possibly increase referral business. When working on the Big Case you need to partner with an agency that can deliver more than just product. Target...

Carrier Websites

Posted by Life Team on May 4, 2015 in Life
Select one of the links below to learn more ways to meet your clients planning needs. John Hancock An extremely comprehensive resource for personal and business insurance. If you have questions or are looking for ideas, spend a few minutes on this site. • John Hancock Principal Financial...

Advanced Sales

Posted by Life Team on May 4, 2015 in Life
Serving the needs of affluent individuals and business owners can be complex.  Select one of the links below to discover more ways to meet your clients advanced planning needs. • Key Person Insurance • Buy Sell Planning • Cross Purchase Buy Sell Arrangement • Executive Bonus Plan •...

Ask the Underwriter

Posted by Life Team on Apr 30, 2015 in Life
In today’s challenging underwriting and reinsurance environment, a very critical component to our service is the ability of our underwriter to prepare difficult cases to help secure the best possible outcome for the client. Our track record in understanding the issues and uncovering pertinent yet often-overlooked...

Target’s Underwriting Advantages

Posted by Life Team on Apr 30, 2015 in Life
From its earliest days, one of Target Insurance Services, Inc.’s core strengths has been impaired risk underwriting. Target was one of the first agencies nationally to recognize the value of in-house underwriting expertise and has had an underwriter on staff for over 25 years. Our focus is to help...

Errors and Omissions

Posted by apisadmin on Apr 30, 2015 in Life
Most companies require an agent to have Errors and Omissions Insurance before they will contract you.  If you would like to get a quote for this coverage, please clink on the link below. In case the agent misspeaks or makes a mistake, this protects you from litigation. • Get a Quote

Anti-Money Laundering Certification

Posted by Life Team on Apr 30, 2015 in Life
Anti-Money Laundering Training (AML) training is conducted to help detect and report suspicious activity including the predicate offenses to money laundering and terrorist financing, such as securities fraud and market manipulation. All agents must complete this training before submitting any applications,...

Producer Licensing & Contracting Packet

Posted by Life Team on Apr 30, 2015 in Life
Our generic contracting packet allows us to use this packet for most carrier contracting with the intention of making the contracting process easier for you.  Please click on the file below and complete the packet in its entirety to ensure smooth processing. • Producer Licensing and Contracting...

Working with Clients with Medical Issues

Posted by Life Team on Apr 30, 2015 in Life
Certain medical conditions or avocations can influence the rate classification your client can qualify for. Use these questionnaires to gather the information our underwriter will need to determine a potential rate. Cancer Questionnaire Coronary Artery Disease Questionnaire Diabetes Questionnaire...

Will My Client Qualify For Preferred Rates?

Posted by Life Team on Apr 30, 2015 in Life
Knowing what information is needed from a customer to determine a possible rate classification is sometimes frustrating. This questionnaire will provide the information our underwriter needs to determine a rate class. Obtain the answers with details to these questions and Target will advise you of...

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