New term rates effective April 11, 2013.

They’ve sharpened their pencil across nearly all OPTerm rating classes and rate bands for a new proposition for everyone … even female standard smokers at $100,000.Click here to read the full announcement.

What do love and life insurance have in common? More than you might realize. The motivation behind purchasing life insurance is love: We buy it because we love people and want to protect them financially. Think of it as the ultimate act of enduring love. How so? Read on.

The Things We Do for Love

We go to great lengths for our loved ones. We work hard to provide them with a life filled with happiness, comfort and opportunity. In fact, there’s almost nothing we wouldn’t do for our loved ones. We re-arrange our schedules to never miss our kids’ sporting events. We put in extra time at work to save up for that special family vacation. We rush out of the office to make sure we’re home in time for dinner with our loved ones.

But what if you died tomorrow and were no longer around to provide for your family? Without your income and all the other things you do for your loved ones, would they be able to maintain their current lifestyle and keep future plans on track?

That’s where life insurance comes in. It can’t put your family’s life back to how it was, but it can keep your loved ones in the world they’ve always known. So if you think you need life insurance (or more than you currently have), now is the time to do something about it.

A Different Way of Expressing Your Love

Preparing a romantic dinner. Planning a surprise weekend getaway. These expressions of love are sure to be appreciated. But why not consider giving your loved one a more enduring gift of love: life insurance. What can say “I love you” better than a promise to provide for the ones you love, even after you’re gone.

Effective January 14th, American General Life lowered rates on their SAT products. They remain extremely competitve, and are running well.

Submit your AGL applications today!

American General Quick Ticket / Drop Ticket Online ONLY-

As of August 6, 2012, the Legal & General America companies (Banner and William Penn) will no longer consider family cancer histories as an adverse underwriting factor that would prevent applicants from consideration for our preferred classes unless there are features of the family history that suggest a hereditary cancer syndrome may be present.

Ten thousand dollars of paid Banner UL annualized production credit and three paid cases, term or UL, will win a broker an Apple iPad 2. The applications must be submitted between August 1st and October 31st, 2011, then paid by December 15th, 2011.
New cases only; no conversions.
Business must be through the same agent number.
iPads will be delivered when a broker wins, subject to Apple availability.
New York business excluded.

Banner’s new OPTerm Riders:
If you’ve been around this business for a while, you know that level term plans can often be “laddered” to address the different time horizons associated with different elements of the need for life insurance. College funding, retiring the mortgage and income replacement can be addressed in different “layers” of coverage — say, a 10-year plan for the college funding costs of teenagers, a 20-year plan to retire a mortgage, and a 30-year plan for income replacement. This strategy lowers the overall cost of initial coverage and helps the client buy the right initial total face amount. Call us to learn more!