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Foresters – Application Amendment Process

You have more options to submit corrections to your non medical business before it’s issued. You can now submit changes via fax, email or SecureDocs. Pre-issue changes to the original application must be initialed by the client with a revised signature page submitted to Foresters Financial. The changes will form part of the contract once the certificate is issued. Mail
Long Term Care and Disability Insurance

The Element Advantage – a practical, accessible, and affordable…

Presented by Michelle Daharsh A new long term care solution was introduced to the industry in late June of this year. Designed by Genworth, this plan was built around their flagship product – Privileged Choice Flex 3. The concept of Element is to still offer comprehensive coverage for long term care but make the process for the client easier to understand, requires minimal decisions for them to make, offers an expedited process through underwriting, and is designed to reach more of the middle market with affordable coverage. Element features four preset packages and two decisions to make: determine what level of protection your clients want, and for couples, if the optional Shared Coverage benefit is desired. The four plans available are the Element 25, 50, 75, and 100. These plans correspond with the coverage maximum dollars available of $25,000, $50,000, $75,000 and $100,000. These options allow the client to choose the level of coverage that works best with their needs and budgets. The Element plan still includes monthly reimbursement, 1st day home care, inflation protection of 2% compound, waiver of premium and return of premium up to age 65. The belief of selling smaller, easier to understand coverage packages shouldn’t require the same amount of time and effort as fully customized larger plans. With one underwriting category the new business process is expedited, along with minimal additional requirements being used, thus making the policy coverage available faster for you and your client. The Element brochure is a helpful sales tool to walk a client through the sales process. It includes the prequalification questions, description of the plan, examples of coverage, and monthly premium rates. So if you don’t have access to the internet or quoting software you can still provide your client a monthly price! Take a look at your book of business and see which of your clients decided against Long Term Care coverage because of premium cost. Maybe Element will be the right fit for them! If you would like the Element Brochure to help you along the way, contact Financial Brokerage at 800-397-9999 and we can provide you that resource!
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Manhattan Life – Marketing Allowance Program Extended

Manhattan Life Agent Marketing Allowance Program Extended!  
This is a reminder that our Agent Marketing Allowance program for your Manhattan Life Medicare Supplement business has been extended through December 31, 2016!  Earn an extra $100 for each underwritten case and $25 for each non-underwritten case, excluding G. I. business written during the normal 63 day G.I. window, when 3 or more applications written by you are issued during any month from October 2016 through December 2016. For official rules and regulations of the Agent Marketing Allowance program click HERE. Take advantage of the incredible surge in fall sales during AEP and let AIMC help fund your marketing initiatives.  The more you write and have issued each month the bigger your marketing allowance check.  Make Manhattan Life your carrier of choice for your Medicare Supplement sales and earn a substantial marketing allowance check from AIMC in the process.  Manhattan Life is one of the most recognized names in the Medicare Supplement market with years of experience.  Manhattan Life is prepared for an incredible surge in new sales during the AEP selling season.  Last year’s sales during AEP were off the charts and this year’s sales will be the same.  You can expect the same level of outstanding service during this year’s sales as you experienced last year.  The new business department is fully staffed and ready to handle the increase in business over the next 3 months.  And, as always, when you need assistance from the new business department, they are always welcome to take your calls.