Most people have no idea how expensive long-term care services are. According to a 2017 report from the U.S. Department of Health and Human Services, almost 70 percent of people over age 65 will require chronic care later in life. And, these long-term care services can quickly erode a client’s savings. But what if your client doesn’t qualify for long-term care? We understand that they still need some form of protection. And, that is one of the reasons, we automatically issue a Chronic Illness Rider on all of our Income Advantage and Lifetime Protection Advantage IULs—with NO additional underwriting requirements!
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There is a new application form specific to the state of Illinois for IUL Express and Term Life Express products. The new paper application (form ICC21L676A) has already been updated and is currently available in Forms and Materials, or through your normal ordering channels. We are in the process of updating the iPipeline e-Application. Effective February 1, 2022, all IUL Express and Term Life Express applications must be submitted using the new application form ICC21L676A. New business will require a new application if the old application form is submitted. If you have questions, please reach out to a member of
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We are pleased to announce that effective January 1, 2022, the Life Protection Advantage IUL’s long-term, no-lapse protection guarantee will be extended from age 85 to 90 for the state of California. And, we are providing this additional 5-year guarantee at no additional cost for level-pay premium illustrations!* This exciting new enhancement helps make Life Protection Advantage even more competitive in the industry. In addition to providing protection that is guaranteed to age 90 at competitive premiums, Life Protection Advantage also offers: Competitive Protection Beyond Age 90 While the average 50-year-old in the U.S. has a life expectancy in the
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