• 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

  • Important year-end reminders
    • The countdown to year end is on and our focus is on helping you achieve a strong finish. For cases you are targeting to include in your 2021 sales results, please note the key submission deadlines outlined 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

  • Digital Application Platform
    • AU from Legal & General America’s digital application platform just got a million times better! Click here for updates.
  • Important Change To Their Product Offerings
    • As of November 1st, 2021, LGA will discontinue sales of their A-List Term product offering. Marketing materials, applications, and other resources will no longer be accessible after that date.
      • What do you need to know?
        • No new groups will be allowed as of November 1, 2021
        • For existing groups, LGA will continue to allow coverage increases and the coverage for new employees through October 1, 2022. Thereafter, neither increases nor new coverage will be considered.


  • 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.

Mutual/United of Omaha

  • 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.



  • OneAmerica is committed to the long-term care (LTC) market and to offering products that bring value to both the agents and clients we serve together. To help ensure the longevity of their Care Solutions product portfolio and confidently continue to keep their promises to you and your clients, they must continually monitor market conditions, practices, pricing and features and make adjustments as needed. Below is information on upcoming changes to be aware of:
    • Changes on Asset Care Single Premium, Annuity Funding Whole Life
      • Adjusting the pricing of Care Solutions single premium whole life products; this change will apply to Asset Care Single Premium
      • Reducing the annuity income rider bonus of their Annuity Funded Whole Life (AFWL) product from 20% to 10%
    • 7702 Updates for Asset Care and Asset-Care in California
      • Concurrently, OneAmerica will implement changes required by the recent updates to 7702 federal tax code. The regulatory changes require a reduction in their non-forfeiture interest rate (cash value interest rate). These updates are effective now, with the impacts as follows:
        • Asset Care (non-California): Changes have resulted in a slight increase to policy cash values with no impact to face amounts and long-term care benefit values.
    • Transition Rules
      • You can no longer submit Asset Care and Asset-Care I applications with the current single premium rates and the 20% AFWL bonus. Click here to review the full transition timeline for details.

Petersen International Underwriters

  • 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.



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