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  2. great video - for sample website that has the 3 videos - go to www.naaip.org/nate
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  4. Question: I have a client who stopped smoking a year ago, she is 70 years old (just turned a few months ago) who is looking for 500K coverage in California. I want to show her Guaranteed Universal Life products. I have run quotes with AIG's GUL3 and Mutual of Omaha's GUL product. She has excellent height and weight, stopped smoking a year ago, and no other issues that I am aware of. I have an appt with her on Monday of next week, can you ask your underwriter to find another GUL product (not an IUL or another UL) to find the best rates. I believe AIG gave the best rates so far but I wanted to see if you have any other carriers that may have better rates. She may be able to spend $1000-$1300/month, but I will be competing with another agent, so I want to get it as cheap as possible. And her mother is still living until 97, so I want a product that will be guaranteed to age 100 or 105 at the minimum. Answer: AIG will not offer preferred on a client that only quit smoking a year ago. She would have had to quit at least three years ago to qualify for preferred. Attached please find the AIG field underwriting guide. However, AIG will offer standard non-tobacco. Those rates are attached and are $14,640.30 to age 105. A slightly better option could be Symetra. They will go standard plus non-tobacco after 12 months. That field underwriting guide is also attached. The Symetra STD Plus rates to 105, also attached, are $14,046.46. Finally, I ran MOO as well. STD: $17,416, STD Plus: $16,800, and PFD: $14,217. However, MOO won’t offer preferred on this client, see attached underwriting guidelines, so they are out. AIG: good carrier, we write a lot of business with them. They also have a couple of ROP options. I am sure you are aware of this as you ran the illustration. However, they have been a little tougher on seniors as of late and have also been on the slower side of town. That being said, nothing wrong with AIG. Symetra: also a good carrier, we write a lot of business with them also. They have a good built in chronic illness rider and the client can pay additional premiums for a fantastic rider. In addition, they are good with seniors. I will send the complete illustrations for both carriers in a separate e-mail. Please let us know if you have any questions or concerns. Attached please find the complete illustrations for both Symetra at STD Plus and AIG at STD. The pricing is similar, however AIG is a tad more expensive. As you can see, if she spends $14,046.45 with both carriers, Symetra goes to age 105 and AIG lapses as age 99. In order to get to 105 with AIG, she would need to spend $14,640.30 annually. AIG: offers ROP at 90 and 95 Symetra: has a good built in chronic illness rider vs AIG’s terminal illness rider.
  5. A term policy on a friend that’s in her last trimester of pregnancy. Protective wanted her to take an exam and she didn’t feel like subjecting herself to that, so we switched to JH. They issued her STD Plus, no meds, no exam…
  6. Make AARP Medicare Supplement Enrollments Easier with Remote Signature! Make enrollment more hassle-free. Remote Signature via DocuSign® on LEAN™ is the latest tool for enrolling consumers in an AARP® Medicare Supplement Insurance Plan, insured by UnitedHealthcare® Insurance Company. Through DocuSign, your clients can sign applications digitally using a secure link from a convenient location. Simple instructions will guide them through the signing process, and you'll know that each signature captured is legally valid, unique and securely encrypted. For a fast, simple and secure way to enroll your clients, start using Remote Signature via DocuSign on LEAN™ today!
  7. Lots of thought and effort go into this monthly newsletter. I appreciate that many agents have expressed their gratitude for my company's good work. Latest News since last month: 1. IUL - Indexed Universal Life - www.naaip.org/iul-information Very comprehensive page that explains the IUL. Lists our favorite carriers. You notice that I love Allianz Life. This week I will write a telemarketing phone script for IUL that will compliment the phone scripts below. www.naaip.org/how-to-sell-annuities www.naaip.org/sell-final-expense-by-phone www.naaip.org/med-sup-phone-sales After spending a month researching the IUL, I have come to the conclusion that an agent that is not thoroughly comfortable explaining and selling an IUL has wasted his/her time becoming an insurance agent. The main bullet point is that an IUL is that it is the only financial vehicle in the USA that allows: Virtually unlimited deposits that grow tax-deferred and eventually become tax-free. 2. www.naaip.org/oxford-life sales are going strong. Point of Sale Issue of the policy is Huge. Lowest rates on FEX for non-smokers ages 50-85. 120% from Oxford and 5% from NAAIP. The 120 FEX Club will become the 125 Club. Talk to me. Change is sometimes good. Compensation got raised for SPWL and their fixed annuities are industry leaders. 3. Medicare Leads. NAAIP offers highest CMS allowed compensation on Medicare Advantage. Every 5 sales will get you 1,000 free mailers. Agents that desire to have a Medicare selling booth in Walmart next year, Please tell me. Reserve now! If you are selling Medicare via another up-line that does not give you free mailers. Switch to NAAIP. It is easy. As well, NAAIP makes selling Medicare Advantage over-the-phone a snap. Ask me. 4. Name Server Technique to Host Domains Will End on January 1, 2019. a. Agents that have used NAAIP's Name Servers of n3.naaip.org and ns4.naaip.org must change Name Server to default and host via the IP address technique. b. Agents with the Name Server Technique with a business domain name email need to input their MX records in DNS. c. www.whatsmydns.com shows your current NS (Name Server). As well, your MX records which allows your email to function. d. Your domain registration company (i.e GoDaddy) can do this for you or you can email me your GoDaddy user name and password. e. Fixes will be implemented during the daily conference call (now 6 days per week). f. You must attend and ask moderator to check his email. g. Your site/email will be up and running well by the end of the conference call. h. Most NAAIP sites that were hosted by NAAIP from January 1, 2016 to August 1, 2018 used Name Servers Technique. i. The elimination of the Name Server Technique is needed to increase site upload speed. YouTube explanation to change IP Address to NAAIP's in your DNS.
  8. Add me. Kenneth Novak kenneth_novak7@cox.net
  9. I'm glad it's over, add me to the list. I can finally get back to building my business.
  10. David Gordon


    https://www.youtube.com/watch?v=pNfRVfGKTrY&list=PLJVKYiW2lCj4MaRqhNmhl4EkUSoOuI1hm&index=77 This video explains how to put your NAAIP website on your own domain name. It walks you thru steps for godaddy, but it is same steps for other companies.
  11. Guest


    Well, I should have used GODaddy but I didn't and ended up with google domains.. Any guess how to get my webpage here up to there? Oh, and I have to wait 44 more days before it will let me transfer out!
  12. Also add me I got so many add it fluded my acc
  13. I will join the class action lawsuit. Mr. Barney's threating emails gave me chills and a lot of uncertanty of whether I was breaking the law. Thank God it is over.
  14. You can add me this guy about scared me to death, multiple emails and phone calls, threatening to sue me personally if I didn't shut my site down. When we demanded money I said screw thus guy... if he was legit he would just take me to court not ask for $500! He said he was monitoring my use of the site and so I did stop sending my clients to the site, built my own and moved my domain just to be on the safe side. He absolutely should go down for causing all of this. Count me in! Annette Braswell
  15. I was mailed a cease and desist order and received multiple calls of harassment of a lawsuit - Finally karma takes its turn.
  16. I was also was contacted several years ago by Compulife via emails and received threthen phone calls to cease and desist using NAAIP portal at once or I would be sued. They we're very malicious and scary. Congratulations David & NAAIP on your win against this bullying company that destroyed agents businesses. Justice is served.
  17. Ditto add me to the list as well, those emails were so frightful and threatening I completely stopped using the site. Thanks,
  18. We fixed for future occurrences, but if this is the issue with your site.. try to fix yourself.. if not succeed, Please come to daily conference call and the moderator will fix for you.
  19. Thank you, yes add me to the class action suit. dba IQ Insurance
  20. Victory. Thank God it's over. Awesome
  21. Yes, please add me to the list. All the bad calls and emails I was sent from this Man, was terrible! David T Didier
  22. Hello Agent, There are a variety of options for non-citizens and citizens living abroad. However, the clients must come to the U.S. to get examined and sign the application. Pan Am and National Western offer term and permanent insurance to foreign nationals. The other carriers that play in the space only offer permanent products. I hope you find this information helpful. If you have a case in mind that you would like to discuss, I would be happy to chat with you about it.
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