Term Life Answers Enhancements Effective August 1, 2010

Effective August 1, 2010, we are making some enhancements to our Term Life Answers product. The product will have new, competitive rates, a reduced policy fee and increased issue ages.* Term Life Answers is still the same
simple affordable term product that answers the insurance needs of your clients.

What's new

• Premiums - New premiums are very competitive for both male and female at Preferred Nontobacco, Standard Nontobacco and Standard Tobacco risk classes with a strong focus on ages 40-60
• Reduced Policy Fee - From $65 to $62.50 for all bands
• Increased Maximum Issue Age for all Nontobacco users except WA

	Old	New (as of 8-1-10)
10T	18-75	18-80
15T	18-70	18-74
20T	18-65	18-68
30T	18-50	18-55

•  Accelerated Benefit Rider (ABR) Disclosure Form in Application Packets -There will be only one ABR form in the application packets. The new form
  is not yet available in Massachusetts, Maryland, New York and Oklahoma.

More reasons to sell Term Life Answers

• Compensation - There are no changes to compensation.
• Commissionable Policy Fee - For all policies under $500,000 face amount
• iGO e-App - Electronic application solution from iPipeline.  Available in all states except: FL, NM and NY
• Age Last Birthday Advantage - Plus, the ability to backdate a full
  six months to save age
• Fit Underwriting Credit Program - Provides the opportunity for
  underwriting credits that could improve the risk class offer from
  slightly rated to standard using medical and lifestyle credits
• Exceptional Conversion Privilege - Convert to our best UL products
• Speed eTicket - A drop ticket process that includes a trusted third-party vendor, EMSI (Examination Management Services, Inc.), to work
  with your clients on completion of the application. Available in all
  states except: CT, FL, MA, NM, NY, TX, VA and WA

* For United of Omaha only.

Transition Rules

• Transition Rules Term Life Answers 10, 15, 20, 30 applications signed before August 1, 2010 and received in the home office by August 15, 2010 will be issued with the old rates and old policy fee. Applications for Term Life Answers signed August 1, 2010 and thereafter will be issued with the new rates and new policy fee.
• New Proposal Software Winflex will be updated on August 1, 2010 and may be accessed through Internet updating or SPA software downloads. Please remember to update your software.

For additional Information on Term Life Answers please contact Madison Brokerage at 888-539-3232 or sales@madisonbrokerage.com