nschmitt@ubsnet.com

Term Insurance Your Clients Need. Now New Lower Prices! Details here. 

This most recent white paper by Shawn Britt discusses how to continue to have the LTC conversation even in this current economic environment, touching on: The risk of self-funding in a down market or a high inflation economy.How a linked benefit policy makes sense no matter the market environment.How the reduced paid-up option can help with […]

Important Term Life Answers (TLA) Conversion Policy Changes effective July 22, 2022. Now, term conversions years 2 through 9 will receive full new business first-year commissions payable — an increase to what is currently paid!For term conversions in years 10+, the year 2 renewal commission rate will apply. Details and transition rules here.

Nationwide- CareMatters II Pricing improvements and higher maximum issue age effective July 11, 2022. See details and transition rules here.

PA has amended the Suitability of Annuity Transaction law.  The bill will require all who have previously completed the 4-hour PA annuity state training to complete an updated 1-hour training course by 12/20/2022 or they will need to re-take the updated 4-hour training course.Anyone who has not completed the 4 hour training course in the […]

Participating whole life insurance offers a combination of flexible features and benefits that differentiates it from most other financial products. This can be particularly important in volatile times. Join us for this webinar to learn why whole life may be a good fit for clients seeking an additional option for wealth accumulation. Tuesday June 28 […]

Announcing the launch of MoneyGuard Fixed Advantage – the newest addition to the Lincoln MoneyGuard® solutions product portfolio— on Monday, May 16th. This solution maintains our competitive pricing and flexible premium design while incorporating better features like the Benefit Transfer Rider (BTR) and expanded Flex Care Cash benefit.The Benefit Transfer Rider (BTR) is a no-cost rider […]

Our Life Insurance, Estate, and Business Review Platform of Services can provide several critical pieces to your clients wealth, legacy and retirement planning.  Click on puzzle pieces above or contact us at ubs@ubsnet.com for more detail.

In the world of financial and estate planning, everyone knows the term “power of attorney,” and it carries with it a unique gravitas. Sometimes, however, powers of attorney documents might be afforded too wide of a berth and viewed as though all are created equal and convey almost unfettered power. Let’s take a closer look […]