We Represent
Allianz
Banner Life
Fidelity Life
Genworth
John Hancock
Mutual of Omaha
Prudential
Liberty Life / RBC
Transamerica Life Companies
Transamerica Retirement Services
United of Omaha
West Coast Life |
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| Announcements |
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Transamerica Offers New Term Portfolio with Extended Maximum Issue Ages - Thursday, April 17, 2008
Transamerica offers NEW HIGHER issue ages on its 2008 Term Portfolio.
In addition to reductions for non-smokers, reductions are now available up to 50% for older age Male, Standard, Smokers and up to 30% reductions for Female, Standard, Smokers.
Term can now be issued through age 78 (N/S) for 15 Year Term and through age 70 (N/S) for 20 Year Term
Policy fee waiver and banded rate discounts can now be offered on simutaneously underwritten policies on the same insured. Click Compare Term Quotes (or the 'Stop Sign' to the left) to run illustrations!
Click to view selected company rate comparisons:
read more...
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Broker World - April 2008
Broker World Magazine offered to 'cover' our February seminar on Financed Premium Life Insurance. The article and accompanying pictures can be found in the April 2008 edition under "Special Events" on page 74.
We appreciate their coverage of our ongoing professional education initiative! For picture and story:
read more...
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Concept Sales? We have them! - Tuesday, February 12, 2008
Call us for illustrations or information on Financed Premium Life Insurance, Buy/Sell or Stock Redemption, Executive Bonus [162(a)], Pension 'Rescue', Non-Qualified Supplemental Retirement Income, Alternative to Group Term, Key Person, Defined Benefit Pension Plans, and more!
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Transamerica's TransIndex UL Approved in Texas
Transamerica recently received approval for the sale of their TransIndex UL product in Texas. This product is a flexible-premium universal life insurance policy with the policy value based, in part, on an outside index. It is NOT a variable product. Illustrations are available by calling Melissa Bell at 210.341.3414.
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Defined Benefit Pension Plan Blues?
If you have a client with a Defined Benefit pension plan who would like to terminate that plan and transfer the payout responsibilities, give us a call. Transamerica Pension Services is still in the business of providing "Terminal Funding" -- in fact they are the #1 company in the Terminal Funding business with 35% of the business (more than companies #2 and #3 combined)!
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Corporate Owned Life Insurance Caveat - Friday, April 04, 2008
Over the last few years, we have noticed an increase in the number of applications where the owner and payor is the corporation, the insured is an officer, and the beneficiary is the insured's spouse. We would like to urge that appropriate counsel be sought to prevent the insurance proceeds from being treated as a constructive receipt of dividend to the beneficiary and taxed as ordinary income. A solution to this problem would be a properly constructed Executive Bonus or Double Bonus program under IRC Section 162(a). Call for more details.
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Corporate Owned Life Insurance (COLI) - Tuesday, February 12, 2008
There are NEW federal regulations and IRS reporting requirements for MOST corporate owned life insurance policies. Give us a call for more information at 210.341.3414 or 1.800.KISELIS (547-3547).
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