New! Understanding and addressing client questions
Introducing our latest newsletter feature dedicated to enhancing your client interactions and fostering stronger relationships. We'll explore effective strategies for recognizing client feedback and understanding their perspectives. Read on for our first installment of this series.
Client question:
Informed insight:
"Do FIUL illustrations show unrealistically high rates of return to potential clients?"
"FIULs follow a set of regulations (one example, AG 49) designed to help ensure products are illustrated fairly, helping protect consumers and provide them with reasonable expectations for potential product performance."1
Want to learn more about the evolution of FIULs? Take a moment to watch our recorded webinar.
A.M. Best upgrades F&G's financial strength ratings
A.M. Best2 recently announced it has upgraded the financial strength ratings of F&G Annuities & Life, Inc.'s primary insurance subsidiaries to "A" with stable outlook.Our ratings are a source of pride for us as they are a testament to the financial strength of F&G.
Don't miss today's live webinar! Meet the Underwriter
Today, February 8 at 10:00 a.m. CT.
Dive deep into underwriting topics with our expert team. This session presents a unique opportunity to understand our Exam-Free3 underwriting, review recent large-case enhancements, and learn tips that help ensure case submissions are efficient and successful.
One key to faster policy issuance Apply at standard rates
Did you know that applying at standard rates can expedite the application to issuance time? Read our informative flyer to learn why F&G recommends illustrating most clients at standard rates.
Take the next step in your professional journey
Join us for live training, led by your Dedicated Life Sales Support Team, that focuses on empowering agents like you. At F&G, we are committed to helping you enhance your understanding about our products and processes, so we become your carrier of choice.
View our list of live training, including product and illustration training, and sign up for a session today.
Don’t miss this chance to make 2024 your best year ever!
Take advantage of Wizard's built-in guardrails designed to prevent common mistakes and ensure applications are received in good order.
We're continually evaluating and enhancing the functionality of our Wizard e-App tool to ensure a more efficient and user-friendly experience. If you haven't used it recently, we invite you to use Wizard e-App on your next new business submission.
Fixed Indexed Universal Life (FIUL) Insurance rates effective February 15, 2024 will remain steady for F&G Pathsetter®, F&G Everlast® and F&G ExecuDex®.
Contact your F&G Dedicated Life Sales Support Team at Life.Sales@fglife.com or 800.815.9332 from 8 a.m. – 5 p.m. CT, Monday through Thursday and 8 a.m. – 2 p.m. CT Friday with any questions.
For financial professional use only. Not for use with the general public.
1The changes required to life insurance illustrations under the National Association of Insurance Commissioners (NAIC) Revisions to Actuarial Guideline 49.A, commonly referred to as AG49.B, went into effect for policies sold on or after May 1, 2023. The guidelines were developed with a focus on consumer education and initiated to provide uniformity around illustrated rates.
2A.M. Best Rating: A, Outlook: Stable. Rating as of January 2024.
3Policy approval is determined by a review of medical and personal history on the application and may be subject to additional underwriting requirements at the discretion of F&G. Review Fidelity & Guaranty Life Insurance Company Underwriting Guidelines for additional details. For applicants who are not U.S. Citizens or not permanent resident cardholders, the maximum issue face amount for exam-free underwriting is $300,000. In Puerto Rico, exam-free underwriting is available for applicants age 0-45 who are applying for less than $150,000.
"F&G” is the marketing name for Fidelity & Guaranty Life Insurance Company issuing insurance in the United States outside of New York. Life insurance and annuities issued by Fidelity & Guaranty Life Insurance Company, Des Moines, IA.
The updated rate package is effective February 15, 2024. Rates are not guaranteed and are subject to change.
24-0108
Fidelity & Guaranty Life Insurance Company, 801 Grand Ave, Suite 2600, Des Moines, IA 50309