When you think about life insurance, does retirement income come to mind? For most people, the answer is no. To help remedy this situation, share the “Building Your Bridge to Retirement” consumer guide with your clients and prospects. This brochure highlights the value of diversifying assets based on taxation, looking at other savings avenues for high-income earners and protecting your hard-earned savings when reaching retirement.

Share this message with consumers who …

• Have significant savings or investments in taxable accounts or plans
• Want to provide their family with a tax-fee benefit when they die
• Value leaving a financial legacy
• Want to build cash value for added financial flexibility in the future

Check out this consumer guide today.

Introducing our new dedicated Chief Underwriting Officer

We know you are not a doctor, and we don’t expect you to be one. Trying to understand sometimes complex medical jargon can make your head spin — but can mean the difference between an offer and a decline. We understand the importance of underwriting and asking pertinent questions. That’s why we are proud to introduce Michael McCarty, our newest member of the AE Life team and our dedicated Chief Underwriting Officer.

Meet Michael

Michael has over 25 years of experience in the field of underwriting. He is driven to help place cases and grow your book of business. If you have an underwriting question and wish to contact Mike directly, you can email him at mike.mccarty@advisorsexcel.com.

*New Feature*

Each month, we will feature an underwriting case of the month. This month’s case features rock star case manager Brittney Lynch.

Brittney had a client who was approved at Table D NT due to abnormal labs. When she asked the underwriter what labs were abnormal, she learned they were abnormal by only about 10 points. She thought this was a little strange to be Table D for only a few points out of range. Brittney sent this case to Mike, who agreed. After sending informals and quick quotes to multiple carriers, most of them came back with Standard NT with the same lab results. They presented this information to the underwriter at the original carrier to see if they would bump their offer up to Standard. After realizing they were out of range with this decision, the carrier came back with an even better rating of Standard Plus NT and advised that they would take a look at their underwriting guidelines. Underwriting for the WIN!

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4/22-2098443 For financial professional use only. Not to be used with the general public or in a sales situation.