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External Term Conversions? You will love them!

Wed, 17 Jan 2007 12:32 GMT

Two of our carriers, Indianapolis Life and MetLife Brokerage have external term conversion programs. If your client was issued a term policy by one of a long list of carriers, within the past sixty months, he or she may be able to convert without evidence to permanent coverage. No health questions asked! Call Bill for details.

New News!

Wed, 17 Jan 2007 12:25 GMT

New term rates are coming out. Do you have time to keep up with them all? WHy not let us do it for you? Just call in your client info and we'll do the rest. If you like to tinker with a spreadsheet, that is ok, too! Just go to our website (brokerageservicesofcarolina.com) and click "term". It is so easy a caveman can do it!

typetext

Fri, 13 Oct 2006 13:00 GMT

JUST ASK US, WE CAN PROBABLY MATCH ANYBODY!

Occasionally, you may get a great sounding "bonus" commission offer from our competitors, only to find out that their base commission is not very high. SO, when you add it all up, you realize you would have been better off with your local agency, Brokerage Services of Carolina. Call Bill Brooks if you want to know more. IT PAYS! Toll free: 1-800-223-2762 or (803)254-2215 or bill@bsocmail.com

WRITE TERM AND EARN MORE COMMISSION!

Wed, 26 Jul 2006 06:59 GMT

TERM rates. You have to be competitive, so West Coast has reacted to FIRST COLONY and BANNER's earlier announcement of rate changes.

HOW TO KEEP UP WITH THEM ALL? Run your quotes on our continually updated website www.brokerageservicesofcarolina.com or just call Ashley, Andrew or Bill at 1-800-223-2762 or (803)254-2215. You can email any of our staff at name@bsocmail.com if you prefer and we can email your illustration back to you.

WE KNOW LIFE and WE WANT YOUR BUSINESS!

Submit a $2000 + premium and receive a $200 bonus check! Call and ask for a Bonus Bucks coupon NOW!

West Coast Life Reduces Term Life Insurance Rates

Wed, 26 Jul 2006 06:42 GMT

As expected, West Coast Life announced on Monday that they have lowered term life insurance rates across most age and face amounts on their recently introduced Focus Term series. This reduction is retroactive to July 1, 2006 and will apply to all pending applications.

In addition to lowering their rates, West Coast made significant enhancements to the Focus Term series...............

For death benefit amounts of $249,999 or less, the Policy Fee has been decreased from $80 to $60 and the Policy Fee is now commissionable!
For death benefit amounts of $250,000 or higher, the Policy Fee has been reduced from $80 to $50; the Policy Fee for this band remains "non-commissionable".
Conversion periods have been changed to those listed below or to age 75 if earlier:

Focus Term 10- 10 years,
Focus Term 15- 15 years,
Focus Term 20- 20 years,
Focus Term 25- 20 years,
Focus Term 30- 20 yeas.

A new and more liberalized build chart is being utilized- example- Male, 6'0" 282 lbs could be Standard!
The new rates are not currently available in MN, OR or WA.

Please give us a call if you have questions or if we can help you in any way.

West Coast Life calculates premiums based on a prospects "actual age"- this gives them a competitive advantage on many cases!

What is Total Living Coverage?

Wed, 07 Jun 2006 11:12 GMT

Life insurance and Long Term Care insurance - all in one policy? That's Total Living Coverage and it is now available from Genworth! Call us for details!
ph: 1-800-223-2762 or (803)254-2215

Brokerage Services BLOG!

Fri, 10 Mar 2006 09:14 GMT

Finally, there is going to be a Long Term Care workshop for agents that have never been taught how to sell the product.

SIGN UP NOW - there is no charge, but space is limited to those who are really interested in adding a profitable market to their sales routine.

Call 1-800-223-2762 or (803) 254-2215 and reserve a seat!

Brokerage Services BLOG!

Fri, 24 Feb 2006 11:31 GMT

Want to sell Universal Life, because it is flexible - with a no lapse guarantee - that also has historically credited over 2% more interest on the cash values than other fixed products? Let us show you an easy to understand U.L. that reacts to the S&P 500 but is not a variable product. Call Bill or Ashley at 1-800-223-2762.

Prudential Financial Gives Your Clients "Credit" - Table Shave Program Discontinued

Fri, 09 Dec 2005 08:34 GMT

Prudential Financial continues to be competitive in impaired risk underwriting. In an efort to maintain our competitiveness, efective 12/31/05 Prudential is expanding its repertoire of underwriting credits. Corespondingly, we are eliminating our Expanded Prefered Non-Smoker Program, efective 12/30/05.

Unlike the many limitations we placed on the Expanded Prefered Non-Smoker Program, which generated very few ofers for your clients, the new underwriting credits are available for any face amount, for any issue age, for any product and for any table rating. Credits are also available for smokers and non-smokers and are designed to apply to far more of the business you submit to us and therefore generate more placed cases in 2006.

Crediting decisions are evidence-based decisions, using underwriting credits to ofset “like” debits, based on test results, or other favorable criteria, specific to a given applicant.

Prudential will continue to review its underwriting guidelines and seek additional crediting opportunities as new tests or medical data become available. Be on the lookout in Prudential’s Weekly eSummary for case studies and quarterly updates
regarding available credits.

For example, we may use treadmil credits to ofset overweight and blood pressure debits; or good blood sugar control to ofset debits for diabetes. The result can be improvement on a standard or substandard ofer, or possibly even improvement from a low substandard ofer to a prefered non-smoker ofer.

There are more than two dozen impairments eligible for credits. Eligible impairments include:

Build, Cancer, Coronary Disease, Diabetes, Hypertension, Anxiety Disorders, High Cholesterol, Elevated LFTs

Credits are also provided for new and innovative testing such as Electron Beam Computed Tomography (EBCT).

This is one more way Prudential Financial is helping you grow your business with Prudential!

Contact Brokerage Services of Carolina, Inc today for your Prudential Quotes!

New forms and marketing materials from Genworth

Tue, 06 Dec 2005 13:30 GMT

New forms and marketing materials from Genworth

Effective December 31, any materials displaying the GE named insurance companies should be discontinued and destroyed. Applications, conversion forms and other contract requests of GE named insurance companies that are signed and dated in 2005 will be accepted and processed until January 31. After that, they will be returned and a form with the re-named Genworth insurance company will be required.