Nobody likes to add time or paperwork to the application process. But that’s what happens when we receive incomplete applications. To avoid delays, pay close attention to three boxes on the form and fill them out correctly in the first place.
I’m happy to share another short video to give you and your clients a feel for who we are and how The Standard’s values define how we do business. Enjoy.
Rich Lane
Vice President of Sales and Marketing, Individual Annuities
The city of Portland has recognized The Standard for its sustainable business practices. The city gave the company its highest level of Sustainability at Work certification — gold level — for practices at its home offices in the Portland area.
It’s been a year since we added a participation rate index crediting option to our Index Select Annuity. Have you talked to your clients about this appealing addition?
We’re heading toward the end of the year — and the deadline for annual required minimum distributions from qualified policies for annuitants who are 70½ and older. Here are some facts about RMDs and why an autumn distribution is a great idea.
The Standard will stop offering the Strategic Choice Annuity 7 on October 1, 2019. All new SCA 7 business must have an effective date that’s no later than September 30, 2019.
This is a recap of a producer advisory sent on July 31, 2019, about Louisiana Regulation LAC 37: XIII Chapter 117, NAIC Suitability in Annuity Transactions.
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Jared's Story: Time for Family
Age: 36 - Occupation: pediatrician - Married, one child
How the Family Care Benefit provided the ability to care for a loved one
Jared's daughter was born with a heart defect. They visited multiple specialists to diagnose the condition and determine the appropriate treatment. Then his daughter underwent surgeries, hospital stays and months of follow-up appointments. Benefits from Jared’s Platinum Advantage policy helped make up for the income lost when Jared spent time away from work to attend physician appointments and to be with his daughter in the hospital and throughout her extended recovery — providing peace of mind during a trying time.
Jody's Story:
Supportive Office Equipment
Age: 42 - Occupation: accountant - Married, no children
Assistance on the road to recovery through a rehabilitation program
Jody's role as an accountant at a small firm requires a lot of computer work. After sustaining a serious back injury from a car accident, Jody was totally disabled under her Platinum Advantage policy. Jody’s doctor recommended she purchase assistive equipment to help her work comfortably at her desk without aggravating her condition. She was able to return to work full time after participating in a rehabilitation program in which expenses for a sitstand desk and other ergonomic accommodations were paid for under her Platinum Advantage policy. These modifications helped ensure she could return to work safely, without hindering her recovery.
David's Story: Starting a Medical Career Age: 33 - Occupation: dermatology physician - Single, no children
Benefits that match career growth through the Benefit Increase Rider
David is completing his dermatology residency and just accepted an offer at a private practice. Before the end of his residency, he purchased a Platinum Advantage policy that included the Benefit Increase Rider, knowing his income will rise significantly after he starts his first post-residency job. The benefit also will allow his policy to grow with him as he progresses in his career and receives additional salary increases. David values the fact that his coverage going forward will match his developing career.
Jason's Story: Accidents Happen Age: 35 • Occupation: orthopedic surgeon • Married, two children
Finding work in a new occupation with the Own Occupation Rider
Jason injured his right hand in an accident and was unable to return to his job as an orthopedic surgeon because he couldn't perform surgery. Due to his medical training, he was able to return to work as a family medicine physician. Jason was considered totally disabled in his regular occupation as an orthopedic surgeon — even though he earns an income from another occupation as a family medicine physician — because of the own occupation definition of total disability included in his Platinum Advantage policy. Because of this, he receives the policy's full basic monthly benefit, in addition to the income he receives in his new position.
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You can currently run ISA, FGA, SPIA and Restricted SPIA illustrations. For CA versions of ISA and FGA, please call 800.378.4578.
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