• A Quick Sales Strategy – in “Just a Minute”
    • Check out a compelling way to show your Protection VUL clients how to lower their guaranteed premiums – by as much as 25% – using the LifeTrack Bronze Guarantee Solve in JHIllustrator.
  • Digital Platform Updates from Legal & General America now effective
    • Business insurance option and Get More Get Less for clients. Click here to read the announcement

Cincinnati Life

John Hancock

  • New Protection IUL
    • For clients seeking the protection and growth potential of an indexed universal life (IUL) insurance policy, John Hancock’s repriced Protection IUL continues to lead in customer value with:
      • Some of the most competitive and short-pay premiums on the market
      • New! Access to Barclays Global MA Indexed Accounts for improved policy performance
      • Addition of the Preliminary Funding Account for added flexibility
  • Explore John Hancock’s Vitality Resources – No Registration Required
    • Check out John Hancock’s “Get Started Guide”, designed to help answer your clients questions and encourage them to start engaging in the John Hancock Vitality Program. You can find the guide and all the latest resources on their unlocked advisor page here.
  • Shave up to 20 days from submission to issue with the enhanced iPipeline iGO eApp!
    • An enhanced version of the John Hancock e-Application in iPipeline iGO is now available, offering you a dramatic reduction in the life insurance sales cycle — potentially by up to 20 days — along with a more streamlined and convenient way to collect medical history data and signatures. Take a look at this short video to see how easy it is to shave time off your next case.
  • A Win-Win: Competitive Premiums and Leading Targets
    •  Protection Survivorship IUL is a proverbial win-win for both you and your clients. Not only does it offer competitive premiums, growth potential and flexible funding for your clients, but it also offers industry-leading targets!

Legal & General America

  • Switch to Digital
    • Legal & General America is making the switch to digital. LIBRA Agencies will make the transition on May 5th, 2022, at which point all paper applications will feed into the digital system. Click here for some common questions and answers about the change.
  • Legal & General America’s Application Platform – The Ultimate Digital Tool
  • Digital Application Platform
    • AU from Legal & General America’s digital application platform just got a million times better! Click here for updates.
    • Option to reopen your closed applications. Click here to find useful training information.


  • Table Reduction Program Plan Guidelines
    • Got a rated case? Lincoln Table Shave C to Standard is back under age 70. All permanent products get standard rates on any rated cases up to Table C. Pitch a VULONE on your next rated term case. Click here to learn more.
  • Watch the new Asset Edge 2022 Video
  • Two Reasons You Have an Edge With Your Business Insurance Cases
  • Schedule a Case Discussion with Michael Hamilton

Mutual/United of Omaha

  • Living Promise Graded Reprice
    • Effective January 1, 2022 Mutual of Omaha is decreasing many rate cells for Living Promise Whole Life Graded Benefit Plan. Click here to learn more.
  • Critical Advantage: A Simple Concept Made Easy to Sell
    • The Critical Advantage Portfolio Brochure was developed to be simple and easy to understand for your clients.
    • You know that with the diagnosis of a covered condition comes the reality of medical bills, time off for treatments, monies for living expenses, and for many, the cost of high deductibles. Mutual of Omaha’s Critical Advantage Portfolio helps your clients focus on their treatment, not their finances. Their portfolio brochure breaks down the basics of the three products within the Critical Advantage Portfolio so that it’s direct and easy to understand.
    • If you haven’t tried the e-App yet, take a look at the Quick Start Guide for a quick overview of how easy it is! Once you get started, you won’t want to place business any other way.
  • Mutual Income Solutions Product Information
    • Do you need quick access to Mutual of Omaha’s Mutual Income Solutions product information? Bookmark this link for valuable underwriting information, sales ideas, training videos, and access to the e-application platform.
  • Stay at Home Benefits
    • A Long Term Care” policy may help keep your valued clients’ out of a Nursing Home.  Most people would rather get care at home, which is where the majority of Mutual of Omaha claimants get care. Click here to learn more.
  • Life Protection Advantage IUL Product Enhancement
    • Mutual of Omaha is now extending Life Protection Advantage IUL’s long-term no-lapse protection guarantee from age 85 to age 90. And, they are providing this additional 5-year guarantee at no additional cost. Click here for a comparison of premiums and protection.
  • Low Rates Benefit Everyone
    • The need for cancer insurance is easy to see. It offers your clients the coverage they want and the protection they need. It’s not uncommon for people to have been impacted by cancer in one way or another, and Mutual of Omaha’s coverage offers benefits that people who have been diagnosed with cancer focus on their recovery without worrying about bills. For more information, click here.


  • Free Will Program
    • Click here  to learn more about Nationwide’s free will program.
  • Long-term Care Cost Estimator


  • Interest Rate Increase:
    • OneAmerica is excited to announce an interest rate increase on Annuity Care, Annuity Care II and Indexed Annuity Care products effective April 15, 2022. Please watch this video from Steve Cox, Vice President, Product, Pricing & Risk, which outlines the impact of this great news but also reinforces reasons to consider their Care Solutions product portfolio to meet your clients’ long-term care needs.
  • Long-term Care Education Near You
    • This is a great opportunity to learn from their knowledgeable and experienced wholesalers, focused on helping you grow your business by adding or expanding your LTC practice.
    • Click here to register.

Petersen International Underwriters

  • Disability Financial Planning Toll For Blue and Grey Collar Markets
    • The mere fact that domestic insurers are postponing or declining your clients doesn’t mean your clients are uninsurable.  Petersen International provides Disability Insurance Solutions when traditional carriers can’t or won’t.
  • Executive 400 – High Limit Disability Insurance
    • To properly insure a highly compensated individual at 65% of income, multiple disability income policies are often required and are layered or “tiered” to provide sufficient income protection. Petersen International can provide a complete solution to your clients.
  • Key Person Disability Insurance
    • This is designed to help your company offset the financial burden of the loss of your business’s “rainmaker.”  It is a business-owned product that pays benefits to your company if the key employee becomes disabled due to sickness or injury. Click here to learn more.
  • Failure To Survive Insurance
    • The Petersen International Business Loan Failure to Survive (FTS) plan is a simplified-issue term product that provides a death benefit which can be collaterally assigned to a lending institution for the explicit purpose of covering a business loan. The product requires no exams or labs, just an application that can be underwritten, issued and assigned in a matter of days, not weeks or months. It is the perfect tool to meet the tight closing schedules of most lenders including SBA lenders. The FTS coverage can also be taken out by clients who are currently in underwriting for traditional policies, but are needing immediate coverage to close on their loan

Principal Life

  • An easier way to offer small business owners income protection
    • According to Principal market research, business owners rank income protection as their No. 3 priority for business solutions, yet only 42% have individual disability income (DI) insurance.
      • Now you can offer a 3A occupation class quote when they meet these simple eligibility guidelines:
        • 3+ years as owner of their business
        • 3+ employees (in addition to themselves) or sub-contract manual labor
        • $30,000+ net income in each of the previous two years
      • See how the program works and the ideal prospects.



  • Your 10 Minute Monday Motivation
    • You’ll learn the core components of a sales idea and get a practical application from a case study. So, when you come across a client with a similar profile and fact pattern, you’ll be ready with a new strategy to consider and know who to call for help.
    • Click here to learn more. 
  • Trimester Marketing Resource – Turn Clients’ Challenges into Life Opportunities
    • Click here to access all future webinars, watch the replays, and get supporting marketing material.

The Standard

Principal Disability

Principal Will No Longer Be Requiring Exams for the Following Amounts: 

  1. Individual Disability – $10,000
  2. Business Overhead Expense – $25,000
  3. Disability Buy Out / Key Person – $1,000,000

If Applying for Over These Amounts
With the clients permission (short email sent to the client), Principal will use their Human API technology to obtain the clients records / exams from their online portal that most doctor’s offices are now using.  They would then work with their reinsurers on a case by case basis on using the clients lab results that were obtained from their portal, to make the offer without ordering labs.  Going forward Principal will be using this service with all cases to speed up the records process while doctor’s offices may be bogged down with seeing patients.

Tax Records
Principal will do their best to just use the 2018 tax documents and any documents that may be available for 2019 in decision making.

Updates as of 6/29/2020

Temporary benefit update guidelines and grace period extension ending:

  • Beginning July 1, customers will once again need to purchase at least 75% of eligible coverage to get the Benefit Update (BU) rider. There will be a 30-day transition period for business quoted in advance of this date. So, cases quoted prior to July 1 and with an application received by July 31, will have the temporary BU provision (50% of eligible coverage) honored.
  • Also beginning July 1, billing grace periods will no longer be automatically extended. They’ll revert back to the grace period outlined in the policy (certain state exceptions will apply).


  • Individual Disability Insurance (IDI) Helps Fill The Gap
    • If you earn a higher salary, or rely on bonuses or commissions, you may need additional income protection to provide for you and loved ones while on leave from work due to a covered illness or injury. Long Term Disability (LTD) is an excellent foundation for income protection; but benefits maximums, uncovered compensation, and taxable benefits may leave higher income earners with a gap in coverage.
    • How Unum IDI policy helps you protect your income
      • Can replace a higher percentage of your income
      • Can cover commission and bonuses
      • Individually owned, so you can keep the policy if you change jobs
      • Benefits are not offset by Workers’ Compensation and Social Security Disability Insurance payments
  • IDI Unum Executive Benefits
    • In today’s competitive business environment, supplemental Individual Disability Insurance (IDI) has become essential coverage for top talent. While traditional Group Long-Term Disability (LTD) provides sufficient income replacement for most employees, it could be far below the take home pay for the highly compensated employees. Click here to learn more.


The Cason Group's New Business and Application Process

TCG’s New Business and Application Process: E-Application Guide