Life insurance in Qualified Plans – A summary of current Core Carrier policy and procedure regarding the sale of life insurance products in qualified plans. Now includes carrier position on Defined Benefit and 412 plans.
Max Issue Age and Age Calculation – Working on a truly “older age” client? Pop this resource open to gain an understanding of carrier policy and procedure for clients over age 80
Premium Deposit Accounts – Premium Deposit Accounts are becoming a more important part of the case design process to improve performance, accommodate large non-mec lump sums or both. Check out the parameters for the Core Carriers captured in this new resource.
Guide to LTC and CI ABRs – A summary of rider types, availability and pertinent details, consolidated into a singular resource for those seeking to gain a sense of the market nd what differentiates rider types and carrier execution from their peers. The previously deployed LTC and Chronic Illness Rider Details summary has been broken into three unique pieces for easier comparison of competing offerings in the three distinct rider types:
Loan Rescue: 1035 Exchanges with an Outstanding Loan – While the true “loan rescue” products of the past are close to extinction, there are many sales to be had if we can find more favorable terms for a heavily loaned contract. This resource will get you headed in the right direction from a carrier and product standpoint.
Premium Finance Guidelines – A summary of the AIN Core Carrier’s minimum requirements for Premium Finance cases. Given the complexity of this subject, a quick call to the Member Services Team is recommended as well before submitting a case formally or informally.
Return of Premium Rider Details – Return of Premium features add flexibility and open up insurance planning conversations instead of simply taking the order. Keep tabs on the nuances of these riders with this spreadsheet.
Executive GI SI Guidelines – The corporate owned and white collar multi-life markets are growing based on the need for effective, tax-favored savings vehicles for high income earners. Use this resource to understand program parameters from each of the AIN Core Carriers.
External Term Conversion Programs – With all the consolidation and changes to conversion privileges in our business, these External Term Conversion programs can represent a more comfortable landing spot for clients seeking alternatives to the issuing carrier’s offering.
Term Face Reductions – Just how “manageable” is Term Insurance? Great question, and this reference focused on the rules around future face amount reductions to keep a client’s coverage in line with their needs can help you find the right carrier for your next case.