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Policy Review

A Policy Review is designed to help you develop conversations with clients and evaluate the performance of their existing insurance coverage to see if it still meets their needs. Purchasing life insurance isn’t a “set it and forget it” transaction. There are many factors that may impact a client’s policy. As life changes, needs change too. Explore our campaign ideas, packaged marketing resources and more!

Campaign Ideas:

  • Lifestyle Changes.
    Did your client just get married? Divorced? Purchase a home? Have a child? There could be a gap in the amount of coverage your clients need.
     
  • Business Related.
    Did your client switch careers? Is there a new business venture or possibly a business ownership change? Make sure your client is protected with the right coverage.
     
  • Changes In Health.
    Your client (or their spouse) may now have a positive development in their health. Perhaps they’re thinking about long-term care benefits as they age. Maybe they have Term policies approaching conversion date expiration. Highlight how additional coverage and/or policy changes would adapt to current circumstances.
  • Legislative and Industry Specific Factors.
    Changes in tax law occur. New and innovative products become available in the life insurance marketplace. Policy performance shifts due to market volatility or interest rates. These are all important reasons to conduct policy reviews.

Marketing Materials

WA LTC

Washington State Long-Term Care Trust Act: What You Need to Know

The passage of the Long-Term Care Trust Act (HB1087), which becomes effective on January 1, 2022, makes Washington State the first state in the nation to create a publicly funded insurance program for workers. The program will be funded by employees, who will pay taxes through payroll deductions, similar to the Family Leave and Medical Leave plans that were enacted in 2018.

Updated on 1/31/2023

Marketing Materials

Annuity Suitability Best Interest Requirements

Presented on: January 17, 2023 at 9:30 am

Effective January 1, 2023, licensed insurance producers will need to comply with best interest standards and disclosure requirements when selling annuities and must do so by July 1, 2023.

In this webinar, we’ll be covering what’s required from a producer to comply with the new rule (NAIC Model #275). Join us for an informative session that will help you get up to speed on the new requirements.

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Long-Term Care Awareness Month

Long-Term Care Awareness Month 2022

What is Long-Term Care Awareness Month?

November is Long-Term Care Awareness Month (LTCIAM), dedicated to making sure your clients and prospective customers are informed about the need for LTC. We’re giving you the tools you need to talk to your clients about long-term care insurance.

Most people think they won’t need long-term care, but the fact is that 70% of Americans over age 65 will need it at some point in their lives. That’s why it’s important to plan ahead and have a policy in place.

We know it can be difficult to think about, but planning for long-term care is one of the most important things you can do for your clients. Our tools make it easy – so there’s no excuse not to get started today. Use our free long-term care planning tools today and work with us this month to help your clients get the coverage they need.

 

Grab & Go Resources

What You Need to Know about LTCi & Hybrid Policies

What You Need to Know about LTCi & Hybrid Policies

How Asset-Based LTC Works

How Asset-Based LTC Works

Income Tax Deductions for Tax-Qualified LTCi

Income Tax Deductions for Tax-Qualified LTCi

Carrier Specific Resources

Mutual of Omaha

Ready for Easier Access to Online Guides and Marketing Materials?

Nationwide
Start talking about LTC during Long-Term Care Awareness Month.
OneAmerica
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LIAM Carrier Resources & Marketing Tools

“Life Insurance – An Easy Decision.”

Each September, our industry comes together to promote Life Insurance Awareness Month (LIAM) as a reminder to all Americans of the important role life insurance plays in their financial security. Life insurance ensures families and businesses can have a bright future. 

Making the Most of Life Insurance Awareness Month

Every year, we’ll gather marketing resources and materials from industry leaders to help you make the most of Life Insurance Awareness Month. Use the tools and resources on this page to access hundreds of email templates, social media posts, videos, websites, and more!

 

Marketing Tools and Carrier Resources

Last updated: 8/26/2022 at 9:40 am

DI Blog

Disability Insurance Awareness Month

May is Disability Insurance Awareness Month! Disability insurance is arguably the most misunderstood of major insurances as 50% of Americans said that they would rely on savings to cover their needs if they became disabled. 

If 60% of US Households have less than $6,275 in liquid savings; an amount equal to three months of income at the poverty level, how will a family or business avoid bankruptcy should he/she become disabled? 

Let us help you educate your clients so they can protect their family or business should they become disabled. Here, you’ll find carrier-specific Disability Insurance resources including infographics, and social media content.

DISABILITY AWARENESS MONTH RESOURCES:

A DISABILITY INSURANCE PRODUCT FOR YOUNG ADULTS

For all your life insurance declines, why not look at Assurity Life’s Accidental Death Insurance Plus? The difference is the Plus in Assurity’s product. This policy will provide a death benefit from the accident AND allows you to add an Accident Only Disability Insurance rider. Because the policy is non-medical, most policies will be underwritten and issued within a week. 

“I applied for $150,000 of coverage and $1,500/month in disability benefits for two years and was able to do a quote and application from the Assurity producer website in 10 MINUTES.  Best of all, the premium was very affordable at $37.66/month.” – Michael Sato

Be the hero to your declined clients or use the product as an affordable door-opener for life coverage with your young adult clients. Call Occidental Underwriters for more information at (808) 536-1933.
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Download Product Highlights for Accidental Death Insurance Plus

Best Practices in our Changing Environment

Learn how one successful business has been navigating through rapid changes in the industry by joining our webinar with Kelley Tom, MBA, CFP®, CDFA® from Summit Financial Advisors. She will be sharing their top tips on marketing, selling, and connecting with clients in this hybrid environment.

Effective, Efficient, Electronic Tools for You

Presented: By Cara Kagawa, April 5 at 9:30 am

We’ve updated our website to include valuable resources. Join us as Cara Kagawa guides us through the new website tools including iGo vs. Vive, our online library and producer resources.

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