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34119 W. 12 Mile Suite 330
Farmington Hills, MI 48331
Phone: 248-553-9505
Hours of Operation:
Monday. to Friday. 9am to 5pm
Weekends Closed
Special Appointment Are Available


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Industry News and Events

The Standard - A New Product On The Horizon

The Standard plans to ring in the new year with their new individual disability income insurance policy call Platinum Advantage.  We are looking forward to introducing Platinum Advantage and sharing with you the advantages of presenting The Standard. 

Please contact our Disability Marketers for more information.  Tel. 248-553-9505

Side-by-Side IDI Comparison Coming Soon

Soon IRA Brokerage will offer a new effective illustration tool which we believe will benefit you and your clients.  This program offers the capability to compare multiple carriers side-by-side with an easy to read format and clean presentation.  In addition, we will have the capability to customize each comparison with your logo and information.  We are excited about this opportunity to provide you another sales accessory that helps to simplify information for your clients when looking at multiple carriers.

LifeSecure Insurance Discontinues Sales of Individual LTC

Effective November 1, 2016, LifeSecure will discontinue sales of their long term care insurance product in the individual markets and will no longer accept LTCi applications.  LifeSecure was one of the two LTC carriers that offered a 10-pay option for LTC.  We recently announced a new product EssentialLTC which provides pricing stability.

National Guardian Life Insurance company (NGL) designed EssentialLTC to mimic a life combo product but provides a higher long term care benefits with lower premium.  This product also offers popular designs, including those listed below:


  • Return of Premium
  • "Reverse Combo" Feature
  • Inflation Protection
  • Lifetime Benefits
  • Single Pay and 10-pay
  • Special Joint Pricing
  • Competitive Rates
  • Shared Care

Please contact us for our Turnkey Business Presentation!  Tel. 248-553-9505

Prudential Face Amount Restrictions

From Prudential:  " Prudential will implement face amount restrictions on PruLife® UL Protector and PruLife® SUL Protector beginning October 24, 2016: 


Prudential will cap the amount of coverage offered to consumers on UL Protector and SUL Protector.  The following face amounts will become effective in illustration systems as of October 24, 2016:

  • UL Protector policies with combined face amounts on each insured great than $5 million will not be available.
  • SUL Protector policies with combined face amounts on insured greater than $10 million will not be available.
  • Applications for amounts great than these limits may be submitted on or before Friday, October 28, 2016, and must included presentations produced no later than Sunday, October 23, 2016."


Metlife IDI Update

As previously communicated, the sales of new IDI policies were suspended as of September 1, 2016, with September 1, 2016 being the last date MetLife accepted a new business application. Due to the unexpectedly high volume of applications received in the final week, MetLife has extended the Final Issue and Final Placed dates.

Final Issue Date will be:  November 14, 2016.  This provides time needed to complete the underwriting of the case, issue the policy and facilitate the delivery of the issued policies.  This also allows adequate time to secure the initial premium and signed delivery requirements.

Final Placed Date will be: November 30, 2016.  In order for a policy to be considered placed; sufficient premium must be received no later than November 30, 2016 with all other signatures and/or outstanding delivery requirements received (in good order) in Tampa no later than December 2, 2016.

MetLife's underwriting staff is working diligently to evaluate each application and issue based on their best and final offer, which means once issued, the policy will have to be placed 'as is'. Given volumes and tight time frames we will not be able to reconsider the underwrite offer.  Reissues will only be available if a policy was issued incorrectly (by the Home Office).  MetLife will not have the space to make additions or deletions or make policy changes based on riders or rating applied by the underwriter or premium reduction changes requested after issue.

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