Carrier Updates: Lincoln

    July 27, 2015 Volume 13, Issue 12 KEY HEADLINES Coming Soon! Lincoln LifeElements® Level Term (2014) – rates as of 8/10/15 Coming Soon! Lincoln MoneyGuard® II – New Opportunities New Life Application Launches on August 10, 2015 Policy Delivery Notice Enhancements Term Conversion Guidelines Update New EFT Requirement for Quarterly Billing Mode on Term Business – reprint… Read more »

    Lincoln Investment Advisors Market Commentary- 2Q 2015 Click below for a brief client-approved recap of Lincoln’s observations on markets and volatility for the second quarter of 2015.     Lincoln Financial Group is the marketing name for Lincoln National Corporation and its affiliates. Affiliates are separately responsible for their own financial and contractual obligations. LCN1108-2057488 LFG-GEN-14-0008_LFG-MCO-eML001_Z02 ©2014 Lincoln… Read more »

Applying for a life policy just got easier Our redesigned application can save you time and more Your time is valuable. So based on your feedback, we’ve enhanced our life application to make doing business with us even easier. Enjoy the advantages Ease of doing business Redesigned questions and a more streamlined experience for ease of use and less… Read more »

    Lincoln is bringing you the content and resources to help you grow, retain and gain efficiencies in your practice. Don’t miss out on a huge opportunity. With $1 trillion in retirement plan assets in the micro to small market, this market isn’t just big — it’s stable and positioned for growth.* Hear from some of our valued partners as… Read more »

  July 9, 2015 Volume 13, Issue 11 KEY HEADLINES New York Regulation 60 Process Update Marijuana Related Businesses Attestation Requirement New EFT Requirement for Quarterly Billing Mode on Term Business Approved Vendor List Update – reprint Identity Protection through Policy Number Verification Lincoln Special Exchange Program – External Term to Perm – reprint Contact your Lincoln representative at… Read more »

  E-communication from Lincoln Financial Group For agent or broker use only. Not for use with the public. April 2, 2015 KEY HEADLINES Volume 13, Issue 05 CRL and ExamOne Labs to Client – Reminder Enhanced Customer Service for Term Policies in Grace MFS® VIT Core Equity Series – Fund Merger Electronic Inspection Reports – The Future… Read more »

March 16, 2015 KEY HEADLINES Volume 13, Issue 04 Electronic Inspection Reports – The Future Is Now! Lincoln MoneyGuard® Prequalification Changes Lincoln VUL Dollar Cost Averaging Fixed Account Enhanced Interest Rate Program – Extended New York Agent Appointment Requirement – Reminder New Policy Dating and Premium Effective Date Rules Click below to view your copy of the Lincoln Leader:       Contact your Lincoln representative at 877-533-0114 for… Read more »

Your clients face many challenges when preparing for retirement. Among them are taxes, which have hit a 30-year high. Now more than ever, your clients need a way to help protect their portfolios from the impact of taxes as they look to achieve the outcomes they’ve been planning for. Lincoln Investor Advantage features: Growth powered by tax deferral Money grows faster when… Read more »

Important state-specific updates to our life insurance solutions Dear Valued Partners: You trust Lincoln Financial to support, preserve, and enhance your clients’ lifestyles and to provide better retirement options. We are writing with a few important state-specific changes, additional options, and expanded opportunities within our MoneyGuard®, term life and universal life solutions. Although you will see some changes, one thing that will stay… Read more »

January 27, 2015 KEY HEADLINES Volume 13, Issue 02 Coming Soon – Lincoln WealthPreserveSM Survivorship IUL New York Coming Soon – Lincoln LifeElements® Level Term (2014) New York Coming Soon – Lincoln  MoneyGuard® II available in Florida New Policy Dating and Premium Effective Date Rules (Effective 3/2/2015) Lincoln and CRL Announce New Client-Facing Online Portal for Lab Results Lincoln MoneyGuard® Reserve Plus, application process change in California Access… Read more »

  Lincoln MoneyGuard® II — now available in Hawaii A wealth protection strategy with more flexibility and long-term care (LTC) planning options The company with the leading LTC hybrid solution1 now offers more of what clients want — choice. Lincoln MoneyGuard II features these new advantages: •Return of premium options (choice of two; additional cost may apply) •Flexible premium… Read more »

  Important Lincoln variable annuity changes Effective January 20, 2015 I wanted to make you aware of changes that we’ve made to some of our variable annuity products. Lincoln is focused on providing unique strategies to help advisors grow and accumulate wealth for their clients and these changes speak to the commitment that we have to the business. To learn… Read more »

January 12, 2015 KEY HEADLINES Volume 13, Issue 01 Lincoln MoneyGuard® II available in Hawaii Updated additional reports for MoneyGuard® II Customer Satisfaction Survey facilitated by LIMRA In-force Policy New York Rider Mailing and Changes to New Business Procedures End of Level Premium Period for Level Term Policies on Electronic Funds Transfer (EFT) – change in process Foreign Account Tax Compliance Act – Withholding Requirement Partner Solutions: Prepared for Increase in First Quarter Call Volumes… Read more »

6% for 6 months DCA special for the month of January Effective January 1, 2015 through January 31, 2015, Lincoln is extending a DCA special for variable annuities — 6% for 6 months. This offer is exclusive to B- and L-share contracts. ChoicePlus B- and L-share DCA rate sheet American Legacy B- and L-share DCA rate sheet For more information, contact… Read more »

In recognition of Long-term Care (LTC) Awareness Month, we have a new resource for you to share with clients. Americans are living longer, and that’s a wonderful thing. But the longer we live, the greater our chances of needing extensive healthcare services from hospitals, long-term assistance nursing homes, assisted-living facilities, and in-home care providers. With Lincoln, you… Read more »

October 27, 2014 KEY HEADLINES Volume 12, Issue 16 Lincoln LifeElements® Level Term (2014) – Coming Soon Lincoln LifeEnhanceSM Accelerated Benefits Rider on Lincoln WealthPreserveSM SIUL – Coming Soon Lincoln LifeReserve® Indexed UL Accumulator (2014) available in New York on November 10, 2014 Underwriting and New Business – 2014 End of Year Commitment and Guidelines Lincoln’s… Read more »

  Our Term Rates Are Getting Even Better! Don’t wait to submit your applications — year-end is quickly approaching! Effective November 10, 2014, Lincoln LifeElements® Level Term (2014)1 is being refreshed with no pricing increases. For any cases not yet inforce (pending status), the insured will have the choice of products. To request a change in the product… Read more »

October 6, 2014 KEY HEADLINES Volume 12, Issue 15 Concentrated Stock Materials no longer available Requesting In-force Illustrations before Grace or Lapse – Underfunded Policy Letter Update Hooper Holmes No Longer Offering Medical Requirement Services – REPRINT Lincoln and ExamOne Announce New Client-Facing Online Portal for Lab Results – REPRINT Click below to view your copy of the… Read more »

September 15, 2014 KEY HEADLINES Volume 12, Issue 14 Updated and new Supplemental Retirement Planning advisor training videos Policy Rate of Return added to VUL Annual Statements Lincoln VUL Dollar Cost Averaging Fixed Account Enhanced Interest Rate Program – Extended through March 2015! Hooper Holmes No Longer Offering Medical Requirement Services Lincoln and ExamOne Announce New Client-Facing Online Portal for… Read more »

September 5, 2014 KEY HEADLINES Volume 12, Issue 13 Fund Name Change and Prospectus Supplement Hooper Holmes No Longer Offering Medical Requirement Services – Reprint Lincoln and ExamOne Announce New Client-Facing Online Portal for Lab Results Additional VUL Sales Concept changes – Lincoln DesignItSM Illustration system  Updated Agent Solicitation 50-State Chart  Improvements to the Lincoln MoneyGuard® Underwriting Tools –… Read more »

No time to wait Help protect your clients’ savings from the impact of long-term care (LTC) costs now Clients facing retirement know the impact long-term care costs can have on their wealth. If you have clients with RMDs that are an idle or underutilized asset, help them turn that money into a funding source for a Lincoln MoneyGuard® ll… Read more »

Streamline the underwriting process with Lincoln MoneyGuard® solutions Clients purchase Lincoln MoneyGuard solutions for their many advantages including guaranteed benefits* and premiums that will never increase. And with streamlined underwriting, you get quicker approval and an enhanced customer experience. Offer your clients these additional Lincoln MoneyGuard solutions advantages: • Transactional platform — reduces the number… Read more »

Lincoln life product update Introducing  Lincoln WealthPreserveSM Survivorship IUL Lincoln is pleased to introduce Lincoln WealthPreserve Survivorship Indexed UL (SIUL), the newest addition to our survivorship product portfolio, effective August 11, 2014.In our commitment to providing you with a broad range of solutions to meet a variety of needs, we developed a new second-to-die indexed universal life insurance product… Read more »

July 14, 2014 KEY HEADLINES Volume 12, Issue 10 Dollar Cost Averaging Rules Kansas Advertising Professional Profile Form – Reminder Changes to the Life Competitive Intelligence Website – (Reprint) Click below to view your copy of the Lincoln Leader: Contact your Lincoln representative at 877-533-0114 for more information.

  June 30, 2014 KEY HEADLINES Volume 12, Issue 9 ·   Coming Soon: Changes to the Life Competitive Intelligence Website ·    Lincoln MoneyGuard® II now available in Connecticut ·   Lincoln Premium Financing Guidelines & Best Practices for all ages and face amounts ·   E-strategy for Lincoln Life Business – Full steam ahead! (Reprint) Click below to view your copy of the Lincoln Leader:… Read more »

June 17, 2014 KEY HEADLINES Volume 12, Issue 08 Lincoln MoneyGuard® II now available in Arizona Now Available – Training Videos for Lincoln LifeReserve® Indexed UL Accumulator (2014) E-strategy for Lincoln Life Business – Full steam ahead!  Underwriting Foreign National Guidelines Replacement Form Special Reminder Click below to view your copy of the Lincoln Leader: Contact your… Read more »

  April 7, 2014 KEY HEADLINES Volume 12, Issue 05 • New York Solicitation Guidelines – Effective May 5, 2014 • Self-Service Premiums Alerts • Helpful Processing Tips from Underwriting & New Business – MoneyGuard® Long-Term Care Personal Worksheet Click below to view your copy of the Lincoln Leader: Contact your Lincoln representative at 877-533-0114 for… Read more »

      February 24, 2014 KEY HEADLINES Volume 12, Issue 03 • Lincoln VUL Dollar Cost Averaging Fixed Account Enhanced Interest Rate Program – Extended through September! • Life Internal Replacement Guidelines – Updated February 10, 2014 • Term Conversion Guidelines Updated February 10, 2014 • Commission Recall Guidelines Updated February 10, 2014 • Lincoln Special Exchange Program –… Read more »

  Offer clients more flexibility, more options and expanded competitive pricing Keep your competitive edge with two leading Lincoln products that offer more client advantages. More flexilibility with  Lincoln MoneyGuard® II Competitive all-pay pricing with Lincoln VULONE • A choice of return of premium options (an additional cost may apply) • Flexible payment options • A couples discount… Read more »

Clients should act soon Starting this year,new taxes could erode portfolios and retirement income. Your clients may not realize that new taxes may soon start taking a bite out of their investment earnings and eventually impact their retirement income. What’s in the portfolio today could trigger tax exposure when they retire. Tell your clients the facts. Diversify their portfolios with… Read more »

   New sales for the new year! LINCOLN SPECIAL EXCHANGE PROGRAM External term to perm with  Lincoln Treasury Indexed UL If your clients want more than what their term policies offer, now’s a great time to step up to Lincoln Treasury Indexed UL. For a limited time only, they can exchange their external term policies from a select group of carriers… Read more »

  More Income. More Options Your clients need options when it comes to retirement income, and Lincoln provides them through variable annuity products with living benefits. Lincoln Lifetime IncomeSM Advantage 2.0, available at an additional charge, gives your clients 5% withdrawals starting at age 65 (age 75 for joint life), which can increase to 10% if they need nursing home… Read more »

January 21, 2014 KEY HEADLINES Volume 12, Issue 01 • Coming Soon – Lincoln VULONE (2014) • Coming Soon – Lincoln MoneyGuard® II • Coming Soon – Term to Lincoln Treasury Indexed UL Exchange Program • New Supplement Required on all new Life Applications – Effective February 10, 2014 • ABR New Business Processing Change in New York – Reminder… Read more »

  More options to help control wealth and manage risk New global and U.S. fund options with a Lincoln variable annuity The LVIP Risk Portfolio Management (RPM) Funds lineup helps clients focus on long-term goals by building portfolios that maximize retirement options. Lincoln has expanded its relationships with SSgA and Franklin Templeton and teamed up with three new… Read more »

December 20, 2013 KEY HEADLINES Volume 11, Issue 25 • Limit on External Exchange Loan Carryovers on Lincoln VULONE Suite • Lincoln SVULONE 2013 Prospectus Supplement • Updated Market Conduct Manual • Per Diem Limit Increasing in 2014 Click below to view your copy of the Lincoln Leader: Contact your Lincoln representative at 877-533-0114 for more information…. Read more »

December 17, 2013 KEY HEADLINES Volume 11, Issue 24 • Lincoln SVULONE 2013 Prospectus Supplement • Updated Market Conduct Manual • Lincoln’s Electronic Delivery Try-it Promotion Available in 2014 • Per Diem Limit Increasing in 2014 • 2013 MoneyGuard® Qualified LTC Rider Tax reporting • 2013 End of Year Commitment and Guidelines • Alert Regarding Vulnerable Persons… Read more »

  Change the vehicle, not the strategy How a variable annuity can help ease the impact of rising taxes 1. Do you have clients with non qualified assets? 2. Are they planning on using those assets before 59½? 3. If not, then why are they paying taxes on those assets today? As we approach the… Read more »

December 3, 2013 KEY HEADLINES Volume 11, Issue 23 • Per Diem Limit Increasing for 2014 • Secondary Guarantee Products – Treatment of Premiums Received Within a Month before a Premium Load Decrease • 2013 End of Year Commitment and Guidelines Click below to view your copy of the Lincoln Leader: Contact your Lincoln representative… Read more »

The Annuity Visualizer is a powerful tool that brings a simple, easier to use, and more inviting approach to what can be complex subject. This compelling, visual tool is a approved for client use and now has enhanced features: •Expanded age options •A cleaner look •A generic guaranteed minimum withdrawal benefit (GMWB) feature Log in to www.LFD.com where you can… Read more »

  You can make LTC planning a part of every client’s wealth and retirement protection strategy. Lincoln MoneyGuard Reserve Plus offers the protection they need and a simple application process, too. See the client profiles in our new Lincoln MoneyGuard Reserve Plus Finding the Right Clients brochure. It’s time to tell the Lincoln MoneyGuard benefits story…. Read more »

Critics rave! Two shows get two thumbs up. There’s something for everyone. Watch the agent video to see all the benefits of the innovative affordable guarantee – Lincoln Treasury Indexed UL. Send the client video to prospects and get them interested. They’ll like the affordable level premiums. You’ll like its attractive rolling target premiums! Agent video Client video View agent… Read more »

  November 11, 2013 KEY HEADLINES Volume 11, Issue 22 • Lincoln Provides Options for APS Translations and Information on the Reimbursement Process • 2013 End of Year Underwriting and New Business Commitment and Guidelines • Lincoln LifeEnhanceSM Accelerated Benefits Rider Interstate Insurance Compact approval • New York Term Product Update – Lincoln LifeElements® Level Term • Illustration Updates … Read more »

Lincoln  MoneyGuard Reserve Plus gives your clients flexible premium payment options — 1, 3, 5, 7 and 10 years. And if they never need long-term care or don’t use all of their long-term care benefit, a death benefit is paid to beneficiaries — income tax-free.1 The new Lincoln MoneyGuard Reserve Plus 3-pay premium case study helps tell our flex-pay story…. Read more »

Help your clients protect the wealth and retirement assets they’v worked so hard to achieve. The new Lincoln MoneyGuard® Reserve Plus client brochure has the details. Our new,animated video can help you tell the Lincoln MoneyGuard solutions story. Order code: MGR-TRI-BRC005  Not for use in the following states: CA, CO, IL, FL, IL, NY, NC, PA, TN, TX, VT, WA, WI and… Read more »

  Industry-leading underwriting with the “WOW” factor Click here to view. October 21, 2013 Key Headlines Volume 11, Issue 21 • ABR New Business Processing Change in New York, effective November 15. • Changes Regarding the Handling of List Bill Cases • Lincoln VUL Dollar Cost Averaging Fixed Account Enhanced Interest Rate Program – Extended… Read more »

  Show your clients how to help protect their wealth and retirement assets from the risks LTC expenses. Use our new client video to start the conversation. This video is not approved for client use in the following states: CA, CO, DE, FL, ID, IL, LA, MS, NM, ND, OK, OR, PA, TN, TX, VA,VT,… Read more »

  More Affordable, Convertible Term Lincoln LifeElements® Level Term Order code: TO-RECR-FLI001 TO-COMP-FLI001 Click here to view. Lincoln VUL DCA Fixed Account Enhanced Interest Rate Program — Extended Order code: VU-DCA-FLI002 View the PDF here.    September 24, 2013 Key Headlines Volume 11, Issue 19 • Partner Solutions – Appointment Effective Dates: Have Your Business Placed Quickly… Read more »

  Variable Universal Life Investment  Risk Tolerance Assessment Order code: SV1-RISK-BRC001  View the PDF here.  Approved for client use. Lincoln VUL DCA Fixed Account Enhanced  Interest Rate Program — Extended Order code: VU-DCA-FLI002 View the PDF here.  For broker-dealer use only. September 16, 2013 Key Headlines Volume 11, Issue 18 • HIPAA Form Updates • State Required… Read more »

For a limited time only,you and your clients can access an interactive tool that will help you preheat sales and make your client meetings more powerful. During the month of September, visit the life web page on the Lincoln Chief Life Officer® microsite. It will get your clients thinking about their needs and how life… Read more »

  Introducing the newly enhanced Lincoln SVULONE (2013) View the details here. Broker-dealer use only. Lincoln VUL DCA Fixed Account Enhanced Interest Rate Program — Extended Order code: VU-DCA-FLI002 View the PDF here.  Broker-dealer use only. August 26, 2013 Key Headlines Volume 11, Issue 17 • Upcoming Suspension of MoneyGuard® Point of Sale Scheduling Process • Lincoln… Read more »