Indexed universal life (IUL) currently accounts for more than 80% of our paid production this year. With everything happening in the world today, including the war in Ukraine, the state of the stock market and interest rates steadily climbing, it is no wonder retirees are worried about their retirement nest eggs.

IUL is a viable choice for people to consider. In addition to an income tax-free death benefit, IUL can create a tax-efficient, diversified retirement strategy with the potential to accumulate cash value that can be accessed for supplemental retirement income or other goals. IUL combines the power of index interest crediting potential and the benefits of downside protection and can also offer optional long-term care or chronic illness benefit riders as well.

We have many resources to help tell this story.

• • IUL Consumer Brochure

• Power of Indexing Charts
• History of U.S Taxes Chart
• S&P 500 Chart
• IRA to IUL Conversion Strategy
• Tax Planning in Today’s Economic Environment
• And much more – click HERE to view them all

Do you use Snappy Kraken? If so, we have a campaign for you! Our IUL campaign is currently averaging better than our industry average and has a conversion rate three times higher than the average across all campaigns.

Check out the campaign to see if it may be a good fit for you.

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Underwriting uncovered — moving from a decline to a placed case

Have you ever heard the saying, “It’s not what you know, but who you know?” Well, for this case, it took both knowledge and a relationship to turn a declined case into a placed one.

AE Associate VP of Life Mitch Reed and team had an application submitted with a $100,000 initial premium for $843,324 in death benefit for a 71-year-old woman. Unfortunately, her echocardiogram showed heart structure and valve disease, which prompted a decline.

Due to the relationship with the producer and the need to exhaust all resources, Mitch asked our chief underwriting officer, Michael McCarty, to work his magic on this case. Mitch shared that the producer felt they could place the case if we could get a Table 6 offer.

With this in mind, Mike reviewed the case and saw stability in the cardiac history. He used this to appeal to the carrier. After connecting with one of their senior underwriters, Mike asked them to sharpen the pencil and work with us to find a solution. After a couple of phone calls back and forth, the carrier agreed to the Table 6, and we placed the case.

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6/22-2227313 – For financial professional use only. Not to be used with the general public or in a sales situation.