Creative Life Sales Team - Creative Edge

AIG: Faster Coverage on IUL and VUL Policies? OH YEAH!

March 19 2018

by Creative Life Sales Team

With AIG, beginning April 16, 2018, Max Accumulator + and AG Platinum Choice VUL 2 can be processed with non-medical underwriting1… Non-med underwriting details >> Meaning, a purchase process that is simpler for your client, faster for us to support, and easier for you to complete! No labs, APS’s, Para-meds, or physical exams. Easy processing… Read More


The Power of IUL

March 13 2018

by Creative Life Sales Team

The Best IUL Product Becomes ELITE In the indexed universal life space, we are the experts. Does your indexed universal life (IUL) carrier: Trace its origins to the beginning of the IUL marketplace? Employ people with firsthand knowledge and experience gained by developing and marketing products that have led the IUL industry? Use product designs… Read More


IUL Sales Tool – Tax-Smart Retirement

May 23 2017

by Creative Life Sales Team

I was in your shoes. I’m a former NWM advisor who sold life insurance. Here’s a strategy I created and have shared with many advisors. This strategy has helped dozens of practices take their minuscule life insurance revenue and turn it into six-digit figures. Here’s why. If you’re not talking about the importance of tax… Read More


Lincoln® Changes Term Conversion Guidelines

July 13 2016

by Creative Life Sales Team

Changes are coming to Lincoln Financial Group®’s term conversion guidelines. Term conversion options on new term policies with policy effective dates on or after September 12, 2016, will continue to have access to the full suite of competitive permanent products through policy year seven. After year seven, policies that are eligible may convert to one… Read More


Minnesota Life Presents: Life Insurance as an Investment Tool

June 23 2016

by Creative Life Sales Team

Minnesota Life Presents: Life Insurance as an Investment Tool BGA and BGA Staff Webinar Thursday, June 30, 2016 1:00 PM CST Join TMA and Steve Sommer, Sales Manager, IDG of Minnesota Life for a presentation on “Life Insurance as an Investment Tool.”  Learn how you can use life insurance to help your clients fill their retirement income… Read More


REMINDER: Webinar #3–Using Qualified Funds Is Today

May 31 2016

by Creative Life Sales Team

BGA Insurance presents OneAmerica Series of Webinars Focus of this Webinar = Using Qualified Funds for LTC Plan Continuous Pay – Premiums GUARANTEED NEVER to Increase. Optional unlimited LTC benefits rider. Husband and wife can be on claim at same time and each receive full benefit. Example – If benefit = $5,000/month, they could receive… Read More


What is a Living Benefit?

May 20 2016

by Creative Life Sales Team

Living Benefits: Changing Real Lives Robert Sanchez: $733,062.00 Isabella Martinez: $120,552.74 Rachael Roberts: $51,860.10 Bonnie Thomas: $234,364.24 What is a Living Benefit? In insurance terms, Living Benefits are Accelerated Benefit Riders (ABRs)1, which provide the option of receiving a partial or fill accelerated life insurance benefit if the insured experiences a qualifying medical condition. What… Read More


Part 3: Niche Alert – You Don’t Know BOES-NQDC

February 17 2016

by Creative Life Sales Team

Niche Alert: You Don’t Know BOES — NQ Deferred Compensation Did you know Principal’s nonqualified deferred compensation (NQDC) platform is available to all CreativeOne advisors and producers? What may not be apparent is how to use it to win cases and grow your revenue. Whether you need front-end resources like training and fact finders or largely misunderstood elements like… Read More


Part 2: Key Person Insurance in Motion

December 9 2015

by Creative Life Sales Team

The Sale Many advisors immediately think of a death benefit and a term insurance solution when processing a key person case. A more nuanced approach, however, uncovers many other aspects to consider and solutions besides the 10-year-term contract. Consider some of the ways a key employee may be lost to an employer: – Disability. –… Read More


Part 1: Understanding the Difference between BOES and SERPs

November 17 2015

by Creative Life Sales Team

Do you Understand the Difference between BOES and SERPs? Do You Know When to Recommend one Over Another? CreativeOne works in conjunction with the business experts at Principal® Financial Group. They live and breathe Executive Bonus Plans (BOES) and Supplemental Executive Retirement Plans (SERPs) every day, and are only a phone call away. Let us… Read More