ASA E-News | January 29, 2019
Carrier News & Updates
Coming Soon – Lincoln Unified Application . Effective February 11, 2019, Lincoln will launch a new application and new paper ticket for all life insurance products and submission methods, integrating all life insurance product processes into one streamlined approach. Continue reading

Prudential announces that on Monday, January 28, 2019 changes to PruLife Survivorship Index UL and the new Survivorship Benefit Access rider will be introduced, subject to state approvals.   View the full announcement.

Reliance Standard annuity interest rate decreases go into effect January 7, 2019 for fixed products and January 16, 2019 for indexed products.  View the full announcement.

Guggenheim Life and Annuity announced that all of their product rates have changes in January 2019.  View the full announcement.
In The News
Federal Income Tax Guide 2019 for 2018 tax preparation
The tax code was largely rewritten for 2018 and subsequent years due to the Tax Cuts and Jobs Act passed in December 2017.This is the updated Federal Income Tax Guide 2019 for 2018 tax preparation. Use it as a reference to help you prepare your tax return. It’s a “high altitude look” at dozens of tax issues, just to keep you on track.

See also: 2019 Tax and Planning Guide , courtesy of Nationwide
IDI can propel you to Quality Producer status
Of the US population with disabilities, over half are people in the working ages of 18- 64, while over 40% are 65 and older. As you set sales goals for 2019, keep individual disability insurance (IDI) from Principal® in mind. You’ll receive exclusive benefits when you sell $30,000+ in IDI annualized premium and meet certain persistency and wastage levels in 2019.

Why women need to save more than men
Men and women may not be on equal footing when it comes to investing for the future. Women frequently work fewer years and earn less than men, but they also tend to live longer.1 Therefore, women must focus on the concerns that are unique to them when planning for retirement. 

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