Tag Archives: Living Benefits

TFS Insurance Advisor – March 2016 Newsletter

0316Newsletter_001 0316Newsletter_002 0316Newsletter_003 0316Newsletter_004

To download or view the entire newsletter in PDF format, please click on this link or on the pictures above.

If you have questions regarding these products, please contact or our Business Development Specialist, Thomas Hyland Jr.

Thomas P. Hyland, Jr.
Business Development Specialist
(732) 758-9300 x127
THylandJr@TFSweb.com

TFS Insurance Brokerage, Inc.

Insurance Products Offered through TFS Insurance Brokerage, Inc.
Securities Offered Through TFS Securities, Inc. Member FINRA & SIPC
Investment Advisory Services Offered Through TFS Advisory Services
Mortgages Offered Through TFS Mortgage Corporation, Inc.
Find out about us at www.tfsweb.com

TFS Insurance Advisor – February 2016 Newsletter

0216Newsletter10216Newsletter20216Newsletter30216Newsletter4

To download or view the entire newsletter in PDF format, please click on this link or on the pictures above.

If you have questions regarding these products, please contact or our Business Development Specialist, Thomas Hyland Jr.

Thomas P. Hyland, Jr.
Business Development Specialist
(732) 758-9300 x127
THylandJr@TFSweb.com

TFS Insurance Brokerage, Inc.

Insurance Products Offered through TFS Insurance Brokerage, Inc.
Securities Offered Through TFS Securities, Inc. Member FINRA & SIPC
Investment Advisory Services Offered Through TFS Advisory Services
Mortgages Offered Through TFS Mortgage Corporation, Inc.
Find out about us at www.tfsweb.com

Retirement Income Planning Using Indexed UL Insurance

VoyaIUL

Click here for the Voya IUL Illustration!

If you have questions regarding these products, please contact the members of our marketing team, Thomas Hyland Jr. and Eric Edwards.

Thomas P. Hyland, Jr.
Business Development Specialist
Phone: (732) 758-9300 x127
Email: THylandJr@TFSweb.com

Eric Edwards
Phone: (732) 758-9300 x125
Email: EEdwards@TFSweb.com

TFS Insurance Brokerage, Inc.

Insurance Products Offered through TFS Insurance Brokerage, Inc.
Securities Offered Through TFS Securities, Inc. Member FINRA & SIPC
Investment Advisory Services Offered Through TFS Advisory Services
Mortgages Offered Through TFS Mortgage Corporation, Inc.

TFS Insurance Advisor – January 2016 Newsletter

0116Newsletter_001 0116Newsletter_002 0116Newsletter_003 0116Newsletter_004

To download or view the entire newsletter in PDF format, please click on this link or on the pictures above.

If you have questions regarding these products, please contact or our Business Development Specialist, Thomas Hyland Jr.

Thomas P. Hyland, Jr.
Business Development Specialist
(732) 758-9300 x127
THylandJr@TFSweb.com

TFS Insurance Brokerage, Inc.

Insurance Products Offered through TFS Insurance Brokerage, Inc.
Securities Offered Through TFS Securities, Inc. Member FINRA & SIPC
Investment Advisory Services Offered Through TFS Advisory Services
Mortgages Offered Through TFS Mortgage Corporation, Inc.
Find out about us at www.tfsweb.com

The New Generation of Living Benefit Riders

This is Part 2 of our follow up to the Preferred Partners Event this past Thursday, November 12, 2015!  Policies with living benefits allow clients of qualifying policies early access to the death benefits of their life insurance policies during their lives.  When a client needs access to cash as a result chronic, critical, or terminal illnesses, the living benefits that can be included in their life insurance policies can make all the difference in the world.  As a relatively new aspect of life insurance, living benefits were not around for policies written over 5 years ago.  You have the potential to be a hero for your client in their time of need. When reviewing your client’s insurance needs, consider Protective Life’s Custom Choice UL and their accompanying Extend Care Rider.

We have provided some basic details below and provided supporting documentation on the specifics of each of the products here to make life easier for you, because that is what we do!  Take a look at the descriptions below and click on the links to view or download the PDF’s of the supporting product information!

Protective

  • Protective Extend Care Rider
    • Offered on Protective’s Custom Choice UL described below.
    • A minimal cost Chronic Illness Rider offered on the UL products.
    • No rebated death benefits like North American does.
    • Access to 100% of the Death Benefit.
    • The client can specify the monthly benefit and use it as they please.
      • $250 minimum monthly benefit.
      • $9,900 maximum monthly benefit.
      • (No more than 5% of the Death Benefit).
      • 3 or 12 month waiting period.
    • Qualifications.
      • Available for ages 20-80.
      • Death Benefits of $100,000 – $5,000,000
      • Be without 2 of 6 ADL’s for 90 days.
    • Protective Extend Care Rider Facts
    • Protective Extend Care Rider Product Guide
  • Protective Custom Choice UL.
    • A preferred UL product offered by TFS.
    • Utilize the quick “e-ticket” on the TFS website.
    • Run a quote on our website and compare by various available guarantees right there.
    • Quote and submit an application on our website in under 10 minutes.
    • Highly customizable guarantee periods can allow for structuring like a 5 or 10 year term product for older client’s that might otherwise be too old for term.
    • A 61 day Grace Period.
    • Has an available IPO (Income Provider Option) Rider free of charge that can lower the cost of the premium by 5-10% by spreading out the death benefit through multiple payments.
      • This is a great way to help sell the additional cost of the Extend Care Rider.
    • Protective Custom Choice UL Product Guide

Keep your eyes open for the remaining two parts of the follow up to the Preferred Partners Event from Thursday, November 12, 2015, or check out the previous one!  There will be some exciting information on the following topics!

If you have questions regarding these products, please contact our Business Development Specialist, Thomas Hyland Jr.

Thomas P. Hyland, Jr.
Business Development Specialist
(732) 758-9300 x127
THylandJr@TFSweb.com
www.tfsweb.com

TFS Insurance Brokerage, Inc.

Insurance Products Offered through TFS Insurance Brokerage, Inc.
Securities Offered Through TFS Securities, Inc. Member FINRA & SIPC
Investment Advisory Services Offered Through TFS Advisory Services
Mortgages Offered Through TFS Mortgage Corporation, Inc.

The NEW Guarantee Builder – More Than Just Life Insurance

New life insurance products are consistently unveiled by the industry, and over the years, they seem to get better at addressing client needs. There are a number of products to choose from today to provide protection for myriad life events, including:

  • Unexpected death
  • Leaving a legacy
  • Protecting income
  • Being confined to a nursing home
  • Being diagnosed with a terminal illness
  • Having a heart attack, stroke, or cancer
  • Retiring
  • Putting a child through college
  • Estate planning

Recently, some life insurance products have done a tremendous job of offering clients additional protection and flexibility beyond the death benefit. The only problem was that there wasn’t a product that could provide protection against everything listed above and more. Until now.

The NEW Guarantee Builder® Indexed Universal Life Insurance is a truly versatile product. Death benefit guarantees, cash accumulation potential, accelerated death benefit endorsements, and a number of other features offer protection for the client for just about any life event. Here are a few highlights:

Death Benefit Guarantees* – The secondary no-lapse death benefit guarantee can be guaranteed to any age or for life to cover estate planning needs, income replacement, or leaving a legacy.

Cash Accumulation Potential – One of 13 different indexing buckets to choose from, the S&P 500® Annual Point-to-Point has a current cap of 13.5%. Cash can accumulate in the policy to supplement retirement income, help cover college costs, or serve other needs.

Accelerated Death Benefit Endorsements – With the three types of accelerated death benefits, clients can access funds for terminal, chronic, or critical illnesses.

As you build your next case, consider looking at our the North American Guarantee Builder to cover your client’s needs and many more.

For assistance or questions, please call Steven Hipsher @ the TFS Home Office 732-758-9300×165 or email shipsher@tfsweb.com