Increased Issue Limit on the Business Loan Repayment Rider As of September 29, 2023, for DInamic Foundation Business Overhead Expense policies, the maximum aggregate issue limit on the Business Loan Repayment Rider has increased to $2,000,000 (total potential payout of all loan riders) and the maximum monthly issue limit has increased to $20,000 between all … Read More

The Standard

Lower Rates, Larger Discounts Effective Oct. 5, 2023, Standard adjusted their rates and increased discounts for their fully underwritten Platinum Advantage. They reduced Platinum Advantage rates for many occupations. You will see more competitive rates for men ages 41 and up for non-medical classes (5A, 4A, 3A, 2A, B and A). Plus they are introducing … Read More

Principal News

Introducing Principal Income Protector Now available for illustrating and submitting new business. The Principal Income Protector has some features going away, as well as new policy features and enhancements. This product is available in all states expept for CA, FL, MT, NY, ND, SC, SD and WY. Features going away: Social insurance substitute (SIS) benefit … Read More

Ameritas News

Introducing DInamic Cornerstone Income Protection Now available for illustrating and submitting new business! With the new Cornerstone product, Ameritas has added some exciting features! Here is what you need to know: Three new riders: Benefit Increase Rider, Enhanced Plus Residual Rider, and a Lumpsum Savings Rider Mental Nervous Disorders and Substance Abuse: now there is … Read More


The New Short Term Disability Assurity has a new Short Term Disability product on the market which is available as Accident and Sickness or Accident Only. >Target Market: non-traditional workers making money from multiple occupations, relatively healthy, and little or no employer-sponsored coverage. >Issue ages: 18-60 years old >Weekly benefit payments: $50 to $600 weekly … Read More

Protective Applications

Part II Medical Questions Go Digital Effective October 5, 2022, producers can opt for their clients to answer the Part II medical related questions online. This eliminates the feeling of being rushed or feeling uncomfortable answering personal medical questions during a phone interview. Please contact us with any questions. Tel. 248-553-9505 … Read More

Mutual of Omaha Underwriting

Updated Underwriting Guidelines The carrier updated COVID-19 underwriting guidelines and reinstated the Fit underwriting program. These guidelines apply to all fully underwritten life insurance cases and includes all newly submitted and pending in house cases, whether formal or informal. Acceptance Guidelines Based on Insured’s Issue Age Applications now accepted for client’s through age 79 and … Read More

iPipeline Term Engine

Enhancements to the Quote Search Page For the Underwriting Process Filter, the word “Eligibility is added to clarify that a producer will be searching for term product quotes for which the current client is eligible for certain carrier underwriting processes. The Instant Decision is is added to clarify that products with this tag are eligible … Read More