Protective Life Insurance Company/ West Coast Life
Автор: BrokersAlliance
Загружено: 2011-07-15
Просмотров: 1283
Описание:
The insurance industry is contracting and consolidating. The merger between Protective Life and West Coast Life will gain huge economies of scale by eliminating redundant services between the two carriers.
West Coast has always been a major player with agent compensation and product innovation. The PPGA and brokerage channels are going to be consolidated into one distribution platform.
The ROSCO rider, better known as the Return of Substandard Charges Option, is on current assumption universal life and later in the year will be available on guaranteed universal life
Variable universal life is making a market come back. The productline has been vastly improved. Protective is one of the first carriers to automatically calibrate and distribute income at distributions, with maintenance oversight on option switching and death benefit reduction. The Defined Objectives Program manages the administration on distributions for the life of the variable universal policy.
Benefit Guard provision protects the variable universal life policy from lapse after 20 years or up to age 65 during the distribution period, even if there's no accessible cash values.
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