Lincoln – Competitive IULs – Underwriting Changes – Small Business Month And more!
Own the outcome with tax management
As your clients plan for 2021 taxes, give them the confidence to reach their retirement income goals using life insurance. With tax regulation continuing to change, it’s important that your clients are building a diverse tax management plan. Help them understand how taxes impact the money they invest in the different options and the distributions they receive from those sources:
• Tax worksheet: Help your clients keep more of what they earned
• Client guide: Retirement planning using cash value life insurance
• Tax article: President Biden’s Phase I Tax Proposals for Businesses
NEW Fidelity AIM® Dividend Indexed Account added to the Lincoln IUL suite
For your clients who have concerns about market volatility, but still want strong growth potential for their protection or retirement planning needs, the new Fidelity AIM Dividend Indexed Account Fixed Bonus offers:
• A high participation rate
• No cap and a 0% floor to maximize growth but protect from market loss
• A fixed bonus that provides guaranteed growth regardless of market performance
If your clients need protection with growth opportunity for living benefit needs like supplemental retirement income, show them our competitively priced
Lincoln WealthAccumulate® 2 IUL.
RESOURCE CENTER
If your clients need to protect their loved ones, retirement and/or business, Lincoln WealthPreserve® 2 IUL can provide the financial security they need. See how.
Celebrate small businesses this month
This month we honor the 30+ million small businesses in our country — and the amazing people who run them. You can help your business owner clients by bringing life solutions into your conversations. This is a great way to build on your relationships and introduce new products to your clients. Use these client resources to start a conversation with a business owner.
SMALL BUSINESS MONTH RESOURCES
Hear from your Lincoln partners across the organization about solutions for your small business clients and our outlook for 2021.
COVID-19 Temporary Underwriting Guidelines Revised
Effective May 10, 2021, Lincoln’s COVID-19 temporary underwriting guidelines have been modified, including:
• The Table Reduction Program (TRP) is now available! Consideration for up to $10 million maximum face amount, through age 70, for Table 3 to Standard rate classes
• Internal Retention Limits have been increased up to $20 million for permanent life insurance products
• Substandard ratings, up to Table 4, will be considered for all ages through 80
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