______________________________________________________________________________________________________________

Agents: Do you have your AML TRAINING? CLICK HERE

______________________________________________________________________________________________________________

______________________________________________________________________________________________________________

Introducing...
FORMS WITH A BRAIN

(So smart, they’re impossible to screw up)

Smarter Forms help agents eliminate mistakes

It happens...

•           You skip a question

•           Client misses a signature 

•           Check the wrong box 

•           The dog eats the application form 

...whatever the reason, these inadvertent mistakes cost your agency valuable time.

It does the thinking for you!

iGO Forms electronically guide you through  the completion process and eliminates the paperwork.

Sell … how you like to sell

Sell over the phone, face to face, in your office or with your assistant. No software to download or manuals to read.

READY TO GET STARTED?
Just click on the e-Applications button on the top left menu of our website

For more information, contact Franci Neill, Life & Annuities Brokerage Manager
610.491.4996 • franci.neill@bcitpa.com

_____________________________________________________________________________________________________________

_____________________________________________________________________________________________________________

Pru’s Repriced PruLife^® ROP Term is Now More Competitive!

Starting August 16th, Pru decreases premiums by an average of 8% on its Return of Premium Term

Reasons Why You Should Sell Pru’s ROP Term

PruLife^® Return of Premium Term will be repriced to offer improved competitiveness and top-quartile rates in key cells for all level-term periods!  Significant rate decreases (up to 19%!), can be found at

1. $250,000 - $1 million face amounts
2. 20^th and 30^th year level premium periods
3. Top four non-smoker underwriting categories 

There will also be a new band at face amounts from $500,000 to $999,999.  Be sure to keep an eye on the face amount your clients request – at some band breaks you may be able to offer your clients higher face amounts for lower premiums!

What ROPT Can Offer Your Clients 

1. Affordable death benefit protection and the ability to build cash value* within the policy
2. Guaranteed return of all premiums paid at the end of the selected level premium paying period (provided there are no outstanding loans and the client is alive at the end of the level paying period)
3. Flexibility to address life’s changing needs, including valuable living benefits:
4. Conversion privileges to a strong suite of permanent products
5. Policy loan capability - Automatic Premium Loan feature
6. Reduced Paid-Up option
7. “Pay Fewest Years” option - premiums are paid by borrowing from the existing cash value at a fixed interest rate of 8%*
8. Living Needs Benefit^SM Rider¹
9. Plus, recent underwriting improvements will help ensure your clients get our best offer

* Return of premium term does accumulate cash value but often only after many years of policy ownership. Plus, this cash value does not earn interest.  Borrowing against cash value reduces both the death benefit and the cash value returned at the end of the level period by the amount of the loan and the loan interest outstanding.

ROP Term’s Appeal

Make sure you tell your clients who have mortgage protection, income replacement, or college funding needs about ROP!  In a recent Prudential survey², mortgage protection (32%), income replacement (26%), and college funding/protection (24%) were the most common underlying needs for recent ROP purchasers when they were considering the product. 

Stay tuned - more information coming soon on Pru's repriced

Return of Premium Term...

Reminder:  The use of policy cash values to pay for educational expenses cannot be promoted as a sales concept in Nevada.

Please click here for repricing rules.

Prudential is committed to providing you with competitively priced products like ROP Term that will help you meet your clients’ diverse life insurance needs.  They look forward to working with you to grow your sales in 2010 and beyond, because at Pru – Your Success Matters!

~~~

FOR THE EDUCATION OF PRODUCERS/BROKERS. NOT FOR USE WITH THE PUBLIC.

¹The Living Needs Benefit is an accelerated death benefit and is not a health, nursing home, or long-term care insurance benefit and is not designed to eliminate the need for insurance of these types. There is no charge for this rider but, when a claim is paid under this rider, the death benefit is reduced for early payment, and a $150 processing fee is deducted. If more than one policy is used for the claim, each policy will have a processing fee of up to $150. Portions of the Living Needs Benefit payment may be taxable, and receiving an accelerated death benefit may affect eligibility for public assistance programs. The federal income tax treatment of payments made under this rider depends upon whether the insured is the recipient of the benefit and is considered “terminally ill” or “chronically ill.” We suggest that clients seek assistance from a personal tax advisor regarding the implications of receiving Living Needs Benefit payments. This rider is not available in Minnesota to new purchasers over age 65 until the policy has been in force for one year, and the nursing home option is not available in New York or the District of Columbia. This rider is not available in Connecticut, Massachusetts, and Washington state and is not currently available in Florida on Return of Premium Term, Universal Protector, Universal Plus, or VUL Protector. In Oregon, term policies must include the waiver of premium benefit to be eligible for this rider.

²Prudential Survey, 2009 Term Policyholder Survey

PruLife Return of Premium Term issued by Pruco Life Insurance Company in all states except New York and New Jersey, where it is issued by Pruco Life Insurance Company of New Jersey. Policies may not be available in all states. Both are Prudential Financial companies located at 213 Washington Street, Newark, NJ. Each is solely responsible for its own financial condition and contractual obligations. All guarantees are based on the claims-paying ability of the issuer.

For Internal Use Only

_____________________________________________________________________________________________________________

_____________________________________________________________________________________________________________

Expanded Discount Programs Designed for Specific Client Groups

A permanent 10% discount and gender-distinct rates are available to students and residents affiliated with a school or hospital.  To qualify for the discount, at least 10% of eligible participants are required in the first year, and at least 25% in the second and subsequent years.  Participants from the Group Conversion Program will be included in the lives count

(Click HERE for more information)   

A permanent 10% discount and gender-distinct rates are available to groups of three or more employees who work for the same employer where there is no employer-sponsored program in place.  This is available to all occupation classes

(Click HERE for more information).

A permanent 10% discount is available on individual disability income and overhead expense policies to qualified associations.  There are no changes to this program

(Click HERE for more information).

• For business owners who want to provide income protection to their employees at no cost to the business
• A 10% permanent discount on unisex rates is available for three or more issued lives
• Use new policy form 1600 with new unisex rates
  
  (Click HERE for more information)
  

• For employers who want to fund a qualified sick pay plan with disability income insurance
• A permanent 10% discount on unisex rates is available on policy form 1500 under the Qualified Sick Pay Program (QSPP).  Rates remain the same (Click HERE for more information) 
• In order to receive the discount three lives are now required for all occupations
  
  (Click HERE for more information)
  

• Employers provide a bonus to key employees in the amount of the disability income insurance premium.  The premium is a tax-deductible expense for the business; benefits paid to the employee are tax-free
• A permanent 10% discount on unisex rates is available on policy form 1500.  Rates remain the same
• In order to receive the discount, three lives are now required
  
  (Click HERE for more information)

• We now offer a $6,000 limit to first-year dental specialists
• First-year dental limits are available to dental residents within 6 months of graduation
• New dentists can now get up to $24,700 in total individual coverage – and $10,000 in business overhead expense coverage
  
  (Click HERE for more information)
  

Graded rates can make valuable true own-occ individual disability income coverage more affordable for those starting out in their careers.  No other carrier offers product features as comprehensive as ProVider Plus at premiums that start this low. ProVider Plus step rate premium option is discontinued effective immediately

(Click HERE for more information)

If you have any questions or need any other sales support, please contact BCI's DI and LTC sales specialist, Barbara Gelber, at 856.382.2887 or barbara.gelber@bcitpa.com.

_____________________________________________________________________________________________________________

BCI Steak Bucks BEEFED UP!

Brokerage Concepts, Inc. (BCI) individual services has beefed up their Omaha Steak Bucks broker incentive program.

Now, new agents can earn TWO steak bucks when you place your first case inforce with BCI.

All agents can earn FOUR steak bucks for every four applications you put inforce with BCI.

Business can be placed through any life, annuity, disability or long term care insurance carrier.

For details on how you can participate in this exciting promotion, please contact Barbara Gelber,BCI's disability and

long term care sales specialist, at: 856.382.2887 or Franci Neill, BCI's life and annuities brokerage manager, at: 610.491.4996.