Favorable Underwriting for CAD

Mia Dempsey – Manager, New Business


Coronary heart disease is the most common type of heart disease, killing 365,914 people in 2017.1

Coronary artery disease develops when the major blood vessels that supply your heart with blood, oxygen and nutrients (coronary arteries) become damaged or diseased. Cholesterol-containing deposits (plaque) in your arteries and inflammation are usually to blame for coronary artery disease.2

If you have a client that has been diagnosed with CAD we have potential opportunities to get them a Standard or better offer with some of our carriers. 

  • American National – Ages 70+ with single vessel (right coronary artery) disease and other favorable factors, can receive standard rates. 
  • John Hancock – Possible Standard Plus or Preferred on treated CAD cases, ages 71+
  • Lincoln Financial – Cardiac credits – up to four tables’ worth of credits available to age 70. Standard rates may be available over age 70 with a history of coronary artery disease. 

1 https://www.cdc.gov/heartdisease/facts.htm

2 https://www.mayoclinic.org/diseases-conditions/coronary-artery-disease/symptoms-causes/syc-20350613

Contact your Asset Case Manager to obtain questionnaires.  Send completed forms back to receive tentative offers from the carriers and help your clients insure themselves for their loved ones.  

(Note:  Final offers subject to full underwriting)

The SECURE Act is Here – Take Advantage of the Opportunity

Jessica Stallings – Marketing Consultant


The Setting Every Community Up for Retirement Enhancement Act (SECURE Act) was signed by President Trump December 20th and became Law January 1st 2020.  The goal of the act is provide tools, together with tax relief, for the purpose of better preparing Americans for retirement.  

The average consumer has been flooded with information since the start of the year, but most are still finding themselves in search of answers about what changes may impact their individual situations. As an advisor, the changes may seem simple to you, however your clients need to be educated and will be looking to you for your expertise to get all their concerns addressed. 

Don’t assume your clients or prospects understand how the SECURE Act affects them. This is the perfect opportunity to engage with them.

We have created a customizable Secure Act Flyer for your convenience. Use this piece in your client and prospect communication in conjunction with any of marketing tactics listed below:

Download SECURE ACT FLYER

  • Host an Educational Event specifically on the state of the economy and new law changes
  • Host a Dinner Seminar or Workshop on any topic and plug in the SECURE Act information
  • Send out an email blast including the SECURE Act flyer 
  • Send an informative newsletter with suggested bullet points or flyer
  • Post a blog on your website (Bonus: Share it on Facebook)
  • Add top-of-mind bullet points to your current event invitations (see options below)

Top bullet points to add to your mailers:

  • Learn the key take-aways from the SECURE Act
  • Learn about the new opportunities created under the SECURE Act
  • Learn what pitfalls to avoid under the SECURE Act, especially as it relates to your retirement
  • Understand why an emphasis on guaranteed lifetime income was created in sections 203 & 204 of the SECURE Act
  • Five steps for every American to take right now in response to the SECURE Act
  • Why does the SECURE Act put a bright spotlight on annuities?
  • Find out why you may want to update your retirement and estate plans due to the SECURE Act
  • Stretch IRAs have been eliminated by the SECURE Act. What options are available for your heirs?

Please reach out to your Marketing Consultant if you would like help with additional collateral and/or planning your event about the SECURE Act.

Consider the Ultimate Gift of Love

Jeff Stemler, CLU, ChFC, CFP, Sr. VP – Advanced Planning


With Valentine’s Day being in February, our thoughts often turn to our loved ones. This love takes on many forms, one of which is to protect them. We would do almost anything to prevent a life-changing event that has devastating emotional, physical and financial consequences.  An event that often tears a family apart and puts their lives on hold.  Wouldn’t you do just about anything to prevent these consequences from affecting your family?

What’s the event that can cause such devastation? It’s when you or a loved one needs extended care. Is there an answer?  One option is to set aside enough assets to pay for your care which can be expensive and severely affect your lifestyle.  Is there another answer?  Consider Asset Based Long Term Care Insurance.

Asset Based LTC Insurance is unique in many ways:

  • The premiums are fixed and can’t go up
  • There are multiple ways to fund the coverage; single payment, annual payments for a specified number of years, or lifetime payments
  • Various assets can be used to fund the policy; cash, annuities, existing cash value life insurance, and even qualified plans
  • A return of premium rider is available on certain policy designs

Below is an example* for a husband and wife both 50 years old 

  • Premium $100,000
  • Return of premium guarantee $100,000
  • LTC coverage amount $236,792, which will pay $4,736 for 50 months
  • Benefits can be used by each spouse, or both until benefits are exhausted 
  • An immediate death benefit of $408,450 decreasing to a guaranteed $236,792 after 15 years

Multiple riders are available, including extended coverage options, and the only lifetime coverage benefit available on the market.

When you need extended care, your life does not end but your care-giver’s life, as they now know it, will.  Owning Long Term Care insurance is not for you, it’s an act of love for your family.

* Rates will be based on final underwriting decision. Coverages and policy features may vary from state to state. Consult your Asset Product Specialist to get a sample illustration.