Weekly News

Have clients who are occasional cigar smokers?
Occasional cigar smokers can potentially qualify for non-smoker life insurance rates.  Go to page 15 in the Field Underwriting Guide for details.

Roth conversions. Simplified.
Give your clients a faster, easier path toward tax-efficient retirement planning. With Lincoln’s streamlined Roth IRA conversion process – available through our fixed indexed annuities – you can eliminate the confusion and extra paperwork that often slow conversions down.

Five ways we simplify Roth IRA conversions:

• One application. One checkbox. - Forget managing multiple forms or duplicate applications. A single application and one simple checkbox initiate the conversion process.
• Only two contracts that mature together - Clients receive just two contracts -- one Traditional IRA and one Roth IRA — with the same surrender schedule
• Flexibility for future conversions - Clients can convert any amount, at any time, without completing a new application or opening a new contract.
• Optional tax withholding - Lincoln can handle withholding directly from the conversion amount, helping simplify your clients’ tax planning.
• Not ready yet? The option stays open. - Clients can always establish a Roth IRA later with a new application if they choose to convert in future years.

Help clients take advantage of the long-term benefits of a Roth IRA – combined with a smoother, more streamlined conversion experience from Lincoln. Share the client flyer with them today.

Coming Soon: Third group of in-force IUL policies will have access to additional indexed accounts – Get details.

Living Well Rider to be launched on eligible new whole life policies
The Living Well Rider is an added benefit for eligible whole life clients, giving them access to a bundle of wellness services at no extra cost. Learn more and register for the May 28^th webinar.

Express
In this issue:

• Turn Inherited Assets into a Planning Conversation
• Understanding your Exposure with Telephone and Text Solicitations
• A Built-In Safety Net: GRO Rider on Income Advantage IUL
• In-force LTCi Rate Adjustments - Effective August 1st
• Critical Illness Insurance - Security and Savings with Return of Premium
• Critical Advantage vs. Other CI Products: What Sets It Apart?
• New SPA Guide: Find What You Need Faster
• Anti-Money Laundering (AML) Refresher Training

Georgia Disaster Relief Order – Read the notice.

Offer a competitive term solution without compromise
Protective Classic Choice term is a flexible, competitively priced solution that works as hard as you do.This value-packed term solution offers:

• A seamless path to permanent coverage - Our conversion rider with optional chronic illness protection meets changing needs.
• Built-in control over death benefit payouts - Clients choose how beneficiaries are paid with the no-cost Income Provider Option.
• 35- and 40-year term periods - one of only three carriers that offer longer coverage.

In the Loop
In this issue:

• A blended strategy for distinct client needs
• Product and underwriting recap
• Best practices for writing business in New York

Life Essentials
In this issue:

• June 11 webinar: Their future, their plan: Estate Planning for Every Client
• Momentum IUL is coming to New York
• Solve a client need in 10 minutes
• Trimester sales strategies: The extended care conversation
• EssentialTerm Suite: Important planned enhancements for new business submission
• Momentum IUL with BenefitAccess Rider webinar is now on-demand

SecureCare IV covers robots
If robots are the future…will a reimbursement long-term care (LTC) policy cover them? Possibly not.

But SecureCare IV, Securian’s newest LTC and whole life insurance policy, will.

While reimbursement policies may only cover what’s listed in the contract, SecureCare IV’s cash indemnity LTC benefit can be used to cover any expense — even if that technology doesn’t exist today.

No one can predict what the LTC landscape will look like in the next 10 or 20 years, but with SecureCare IV, clients don’t have to try.

Help business owners recruit, reward and retain top talent
Businesses across industries — both small and large — want to recruit and retain top executives who are instrumental in growing the company. With Business Owner Life-stage Design (BOLD), you empower business owners to create competitive compensation packages.