POLICY REVIEW TOOLKIT

Your client chose their current policy because it fit their needs at the time, but is their policy still meeting their current needs? Here are some handy tools to help you hone in on the right solution for your client.

 

Just hover over the boxes below. 

Opportunity Tracker

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Identify the Right Client

Clients from all walks of life can benefit from a policy review. Track down your clients due for a review with this tool.

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Sales Idea

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Know the Concept

Why is a review important? What questions should you ask when conducting a review? Get the answers here.

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Opportunity Checklist

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Review the Policy

A policy review is a great way to help you determine your client’s current needs. Use this tool to identify opportunities for you and your client.

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Life Events Checklist

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Review the Policy

Help your client determine how to meet their financial goals with this checklist.

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Getting the Appointment

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Review the Policy

What’s the best way to land an appointment with your client? Use these tips to get started.

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Policy Performance & Evaluation

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Review the Policy

How is your client’s current policy performing for them? Use this tool to get the answer.

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Essential Guaranteed® 
Universal Life

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Find the Right Solution

A solid fit for clients with a need for affordable lifetime death benefit protection and flexibility.

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XL-DB3
(Indexed Universal Life-Death Benefit 3)

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Find the Right Solution

The right choice for someone looking for guaranteed death benefit and cash-value

accumulation at affordable premiums.

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XL-EC4
(Indexed Universal Life-Early Cash 4)

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Find the Right Solution

An important solution for anyone needing death benefit protection plus the ability to maximize their legacy and enjoy more upside potential.

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Living Benefits

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Bonus Feature

The unexpected can and does happen. Don’t forget to help your clients plan for the unknown by sharing how living benefits may help. 

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Questions? Contact Sales Support:

800-843-3316 ext. 32150

Agents offering, marketing, or selling accelerated death benefits for chronic illness in California must be able to describe the differences between benefits provided under an accelerated death benefit for chronic illness and benefits provided under long-term care insurance to clients. You must provide clients with the ADBE Consumer Brochure for California Form 20501 that includes this comparison.

 

Accelerated Benefit Endorsement for Critical, Chronic and Terminal Illness (form series TR169) and Accelerated Death Benefit - Chronic Illness, (form TR193, CA only) are issued by Midland National Life Insurance Company, Administrative Office, Sioux Falls, SD. Products, features, riders, endorsements or issue ages may not be available in all jurisdictions. Limitations or restrictions may apply.

 

Availability of benefits may differ by state. Payment of Accelerated Death Benefits for chronic illness paid under the Endorsement is intended for favorable tax treatment under Section 101(g) of the Internal Revenue Code. Accelerated death benefit payments due to chronic illness are subject to limits imposed by the federal government and any amounts received in excess of these limits are includible in gross income. Clients should seek assistance from a qualified tax adviser for assistance with any questions they may have.

 

Essential Guaranteed Universal Life (policy form series L138), XL-DB3 (policy form series L143) and Accelerated Death Benefit Endorsement for Critical, Chronic and Terminal Illness (form series TR169), and XL-EC4 (form series L144 and L144W with Waiver of Surrender Charge) are issued by Midland National Life Insurance Company, Administrative Office, One Sammons Plaza, Sioux Falls, SD, 57193. Products, features, riders, endorsements or issue ages may not be available in all jurisdictions. Limitations or restrictions may apply.

 

 

23100-8 FOR AGENT USE ONLY. NOT TO BE USED FOR CONSUMER SOLICITATION PURPOSES. 12-15

©2017 Midland National Life Insurance Company. All rights reserved.