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    Introducing QuickSubmit.com


    A Streamlined Process for Term Life Insurance

           

     

     

     

    Now you have a choice to submit our brief two page form, or use QuickSubmit.com to submit an insurance request for any one of seven leading term carriers! 

    Term life insurance is critical to most financial plans and to your clients’ financial future.  Yet most advisors avoid addressing this client need due to the cumbersome and time consuming process required.  With Quick Submit, you can help your clients readily obtain the coverage they need to protect themselves for the benefit of their families and their businesses using our easy, streamlined process.

    • Eliminates the lengthy paper application process
    • No need to ask awkward medical or financial questions
    • Just submit a term life insurance request via the on-line ticket
    • Clients are then contacted by the tele-underwriter to complete the application and schedule an exam, if needed
    • This approach also minimizes medical records requests and the need to re-contact your client
    Contact our sales team at ubs@ubsnet.com for more information

     

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    What Happens if you Die Without A Will?


    Although most individuals want to provide for their families after they pass, some estimates show that over half the U.S. population still lacks even basic Wills. This trend is heading in the wrong direction, so the question remains- can advisors help?

     

     

    When an individual dies “intestate,” or without a Will, assets
    that do not pass by a beneficiary designation or based on survivorship or
    similar rights, are distributed according to state intestacy laws. These
    statutes vary by state, and individuals are often surprised to learn that they
    do not dispose of an individual’s assets as expected. Moreover, intestacy
    laws do not consider the impact of federal and state estate taxes or
    incorporate any asset management or creditor protection planning.

    When an individual dies “intestate,” or without a Will, assets that do not pass by a beneficiary designation or based on survivorship or similar rights, are distributed according to state intestacy laws. These statutes vary by state, and individuals are often surprised to learn that they do not dispose of an individual’s assets as expected. Moreover, intestacy laws do not consider the impact of federal and state estate taxes or incorporate any asset management or creditor protection planning.

    Having a properly executed legacy plan (a Will, or Will and revocable living trust) is the best way to ensure that estate assets pass to the intended beneficiaries in the desired manner. Planning is particularly critical for blended families, as state laws may leave more or less than desired to a surviving spouse or children from a prior marriage.

    Only with a legacy plan can individuals manage their estate tax liability, ensure distribution of specific assets to certain beneficiaries, and provide for creditor protection, long-­term planning, and professional asset management for their beneficiaries.

     Intestacy in Action: A Cautionary Tale

     

     

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    Two-Minute Underwriting for your Healthy Clients


    With Sagicor, the Accelewriting "underwriter" delivers decisions in 1-2 minutes

     

     

     

     

    • Appropriate when looking for an immediate underwriting outcome
    • 2 minute underwriting decision for properly prescreened, healthy clients
    • Cases submitted online with e-delivery available to your clients
    • Term issue ages 18-65 with face amounts $50,000-$500,000.00 with conversion options
    • Guaranteed Universal Life and Whole Life products are also available
    • Check out this pre-recorded webinar for additional detail

    For access to the Sagicor website for online quotes and submission, you must first be appointed. Reach out to our licensing department at licensing@ubsnet.com for details.

    Our sales department can be reached at 412-281-0600 or UBS@ubsnet.com to assist with any questions you may have. 

     

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    Alternative LTC Solutions


    70% of Americans turning 65 will need long term care.  Are your clients prepared for future LTC expenses?  Lincoln MoneyGuard gives your client the LTC benefit they need without worrying about increasing premiums!

     

     

     

    Linked Products are designed to fulfill your client's LTC need in today's world. 

    Check out these links for more information on Linked Products and LTC:

    LTC Solution Spectrum

    LTC Myths

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    $1M Through Age 60; NO EXAM!


    Accelerated Underwriting from Principal Financial may enable your preferred and super preferred clients to avoid exams and APS's and receive prompt underwriting approval. 

     

     

    Clients that do not qualify for Accelerated Underwring will still be eligible for the regular underwriting process.

    Compare Principal's competitive term and UL portfolio; now with Accelerated Underwriting.

    For more details on this exciting program, contact us at 412-281-0600 (press "0" for the operator) and ask for someone in our sales department, or email us at ubs@ubsnet.com.

     

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