Accelerated Underwriting for Term Life Answers® speeds up the traditional underwriting process and can provide you with an underwriting decision in 48-72 hours. How does it work? It’s simple. Submit a Speed eTicket (drop ticket). ExamOne will contact your client to complete the health interview. If approved through Accelerated Underwriting, no other requirements are needed – that’s right, NO paramed exam. If not approved through Accelerated Underwriting, no problem, the application will continue down the traditional underwriting path like normal. Our Accelerated Underwriting Program flyer explains the program in detail and can be shared with your agents.. If you
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Two-Factor Authentication – Changes
Two-Factor Authentication – Changes Effective July 1 June 27, 2019 In December 2018, Securian Financial implemented Two-Factor Authentication for access to SecurianAdvisor.com. The authentication period was configured for at least once each week. Effective July 1, 2019, the authentication period will change to 24 hours, which will require each user to authenticate using Two-Factor each day (or every 24 hours). This change provides additional security protection against malicious user impersonation, unauthorized access, and aligns with industry best practice. For questions, please contact the Securian Enterprise Contact Center at 1-833-810-8259. Two-Factor Authentication – Changes effective July 1 #goldencareagent
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Fourth of July Office Closing 2019
Mutual of Omaha and its affiliates (United of Omaha and United World) will be closed on Thursday, July 4th and Friday, July 5th for Independence Day. Below are the cut-off dates and times and the adjusted pay schedules. Holiday Pay Calculation Schedule Med Supp E-App & All Life Cutoff 3:00 PM Health Cutoff 3:00 PM Long Term Care Cutoff 3:00 PM Direct Deposit (EFT) Available Independence Day, Thursday 7/4/2019 and Friday, 7/5/2019 Monday 7/1/2019 Monday 7/1/2019 Friday 6/28/2019 Friday 6/28/2019 Friday 7/5/2019 Weekly and holiday pay schedules are also available on the Sales Professional Access (SPA) website. If you have
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Help Your Clients Understand Their Planning Options
Over the years, your clients have likely spent time planning for their future. They’ve saved, they’ve taken care of themselves and they’re ready to enjoy the result of all that planning – a comfortable retirement. Have your clients considered what would happen to their plans should they become chronically ill? Costs of care, treatments and medication are expensive. If your client has a life insurance need, they can plan ahead for this retirement risk using a Long-Term Care Rider or a Chronic Illness Rider on their life insurance policy. The following two brochures are client-approved and can be used to
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Update to Final Expense Application Submissions
Notable News Important update to final expense application submissions Effective Monday, July 1, 2019, the Final Expense Accelerated DB/Terminal Illness Disclosure Form (Form No. ACC-DISC-LR) must be signed, dated, and submitted at the time of the final expense application submission. In the past, the form was signed on delivery. It is now required to be signed, dated, and submitted with the application. Please note that this form is not required in all states. The form may still be obtained on delivery for applications received on or before July 31, 2019, however applications received on or after 8/1/19 must include
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Term Life Express as Mortgage Protection
A Term Life Express (TLE) policy protects your client and their family, but what if they survive the term period selected? With our return of premium option, they can receive a partial return of the premiums available at the end of their level policy term. These funds can be used to pay off their mortgage, giving them and their family peace of mind. Customize and instantly download our TLE mortgage protection client letter to mail to your leads and clients. You can find it on Sales Professional Access, by contacting Sales Support at 1-800-693-6083, or through your normal ordering channels.
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A lot can change in a year
A lot can change in a year Marriage, the birth of a child, buying a new house, the decision to finally get serious about saving for retirement, a new job. But if you miss what’s new in your client’s life – you may miss new ways you can help. What if you could uncover 365 days of change in just three simple steps? It could be a game-changing opportunity for your client – and your business. Our step-by-step guide walks you through how to do an effective policy review, helping to set you up for success right from the
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Have You Taken Advantage of Your TLA Upsell Opportunities?
Oftentimes, clients will select their term coverage level based on their budget, even if they may actually have a need for more coverage. If you have a client who gets approved better than applied for, this is the perfect time to use the Term Life Answers Upsell Program since they can potentially get more coverage and still be within their budget. Agents who are consistently talking to their client about the upsell offer have found great success. Since we started offering the upsell opportunities, we’ve had a 15 percent acceptance rate with the average increase being just over $275,000 per
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Important update regarding conversion application submissions
Notable News Important update regarding conversion application submissions Effective June 6, 2019, please use the state-specific application for the policy owner’s current resident state when submitting conversion applications. The application will also need to be signed in the policy owner’s current state of residence. If the policy owner resides outside the United States, use the application for the state where the original policy was issued. Any conversion applications received after July 6, 2019 that are not specific to the policy owner’s current state of residence will not be considered in good order. Thank you for your attention to this
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TLE: Affordable, Versatile, Simple
Families want to protect their home and the life they’ve built for their family. That’s exactly what a Term Life Express product does. Along with affordable coverage, TLE also offers: Versatility Face amounts from $25,000 — $300,000 Living Benefits – at NO additional cost Chronic Illness Rider Terminal Illness Rider Critical Illness Rider Simplicity Quick Issue Simplified underwriting (no blood and urine tests required) e-App Mobile quoting app Trustworthiness Backed by a legacy brand with outstanding financial ratings For clients who are looking to choose an affordable term product — look at TLE today! TLE: Affordable, Versatile, Simple #goldencareagent
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