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!

A rate reduction on OpTerm is in effect with policies issued today Monday, April 18th, 2011. Changes affect male rates on 15, 20 and 30 yr plans. You can start quoting it today.

AG Lifetime UL

AG ROP Select-a-Term®
Remarkable product that combines return of premium cash value feature with the ability to offer exact length of coverage needed.

Key Benefits
•15 year and 20 through 35 year durations with return of all cumulative base premiums paid upon surrender at the end of the level premium period
•New client choices for coverage and cash value beyond the level premium period
•Low $100,000 minimum face, 3 additional bands for larger face amounts
•No policy fee or modal factors
•Convertible to earlier of end of level-term period or age 70
•Full slate of riders for further customization
•Use RapidRater for fast and easy quotes, comparisions and internal rate of return calculations