What's New

As previously announced Aviva is repositioning its No-Lapse Guarantee portfolio later this month by launching Advantage Builder III and Guarantee UL Solution II.

As Aviva transitions to the new products, guidelines have been established and will be driven by the application signed date. This will allow you to know at the time the application is taken which product series will apply.

Aviva will be adjusting term premium rates, effective January 25, 2010, due primarily to higher capital costs, while maintaining current competitive positioning. Term rates will increase an average of 2% to 3% on Annual Renewal, 10-Year and 20-Year Term. Premiums for 30-Year will remain unchanged.

Aviva is repositioning its product portfolio to offer their agents and customers value and versatility while navigating an environment of lower investment yields and higher capital costs.

Many carriers have dealt with this economic climate by limiting the No-Lapse Guarantees available or discontinuing their No-Lapse Guarantee products entirely. Aviva recognizes the benefits of No-Lapse Guarantee products for their customers and is choosing to remain an industry leader in this market.

If your clients need annuities, you need to check out this list of seven well priced annuities that provide the right balance of benefits and commission. Includes a GWIB with 7% compounding roll-up!

American General Life announces Double Your Coverage - an outstanding, limited-time opportunity for many of your in-force American General clients to substantially increase their life insurance coverage. Double Your Coverage enables select policy owners who purchased American General coverage within the past three years to obtain additional protection with reduced paperwork and no exams or lab work. And you receive full first-year compensation on the new coverage added.

North American is pleased to introduce the new Children's Term Insurance Rider, available on their UL and IUL portfolio. The new Children's Term Insurance Rider will be attractive to your clients looking for afffordable life insurance coverage for their children.

Now you can potentially increase your sales and help your clients save on their life insurance premiums with Aviva's Table Reduction Program. Available on most of Aviva's permanent life insurance products, the program enables customers rated up to Table 3 under normal underwriting guidelines to automatically be issued as Standard.

Aviva's products are designed specifically with the needs of policyholders in mind. Their industry-leading indexed life products offer: Compeitive cash accumulation and cash flow for customers who may need income. Low Cost Death Benefits - with no-lapse coverage available. Check out how the Lifetime Builder II can provide supplemental retirement income.

Effective November 9, the new mailing address for your annuity applications and related correspondence changed from Topeka, Kansas to Des Moines, Iowa.