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January 8, 2021Is a Family Transfer Right for Your Business?
When planning for the future, you have a wealth of options related to who should continue to run your business. [...]
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December 16, 2020What Have We Learned?
It is safe to say that this year was full of surprises. Some businesses thrived, while in other areas [...]
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Starting the preparations to sell your business is never easy. Selling or buying a business comes with mixed emotions and [...]
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December 3, 2020Keep Your Family Intact with Proper Estate Planning
It can be difficult to consider what will happen to your business and your family if you die unexpectedly. Without [...]
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November 18, 2020Don’t Let Your Key Employees Jump Ship
Next-level management teams are the drivers behind building business value. But how can you and your advisors attract and keep [...]
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October 29, 2020Pennsylvania Insurance License Renewal
Dear Pennsylvania Insurance Department Licensee, You are receiving this notice because your Pennsylvania Insurance license is scheduled to expire within [...]
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October 21, 2020Ingredients to Jumpstart the Planning Process
Taking on any large project can be manageable when you have a reliable process in place. When deciding to exit [...]
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October 8, 2020The Process of Selling Your Business Has Already Begun
When you started your business, it was probably obvious that you needed a plan. It may be less obvious, though, [...]
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September 22, 2020Need vision coverage? VSP & KAFL can help!
Questions? Reach out to our Employee Benefits Team at KAFL or visit https://www.kafl.com/individual-vision/ to see how to register.
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September 16, 2020Not All Strategies Are Created Equal
Succession planning, Exit Planning, and business planning may seem interchangeable in most people’s eyes. However, each type of planning plays [...]
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August 20, 2020Funding a Sale to “Insiders”
When imagining the future of their businesses, and possibly a future that involves different ownership at some point, owners may [...]
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August 5, 2020Rethinking Cash Flow
While there are many uncertainties when planning for the future, one factor that is almost always essential to the success [...]
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July 29, 2020Rehiring Laid-off Employees During COVID-19
KAFL is committed to helping our partners navigate these challenging times. Whether it be new legislation or executive mandates, we [...]
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Excellus is gearing up for open enrollment training for 2021 and they are excited to bring you a new way [...]
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July 16, 2020EMSI Ceased Operations, Effective July 3, 2020
COVID-19 has disrupted families, communities, and businesses in our country and around the world. EMSI has become a casualty of [...]
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Prudential has pulled their Guaranteed Death Benefit UL Protector (single life only, not survivorship) The deadline to get applications to [...]
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June 17, 2020Where Transferable Value Comes From
One of the most important elements of a successful business transition is transferable value. No matter what an owner sees [...]
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June 8, 2020Notice For Your Health Insurance Clients
Beginning Monday June 8th health insurance carriers will begin to send notices to individual and group health insurance customers notifying [...]
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June 3, 2020Identifying “The Gap”
Business owners have a lot of information at their fingertips. There are calculators and assessments available for just about every [...]
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May 12, 2020Growing Business Value When Times Are Tough
In times of great uncertainty or disruption, some business owners will panic and bury their heads in the sand. Some [...]
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April 20, 2020IMPORTANT NOTICE – Group Insurance Premium Relief
Guidance to Insurance Producers Regarding Required Notifications to Policyholders Pursuant to Governor Andrew Cuomo’s Executive Order 202.14, on April 7, [...]
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April 8, 2020Smoothing Out Friction Between Business Owners
All business partnerships eventually come to an end when one or more partners leave the business, whether by choice or [...]
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Please note that the Department of Financial Services (DFS) has posted guidance to insurance producers to accommodate electronic delivery of [...]
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April 3, 2020Penn Mutual Important UPDATES!
Important Underwriting and New Business Updates An Important Update from Ray Caucci, Senior Vice President, Product Management and Underwriting and [...]
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March 27, 2020COVID PreCautions (presented by Excellus)
https://www.kafl.com/wp-content/uploads/2020/03/COVID-Precautions-EX-3.20.20.mp4
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As a result of the COVID-19 outbreak, DFS understands that it may be challenging for certain producers to obtain [...]
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March 13, 2020KAFL Update on COVID-19
To Our Advisors, Clients and Partners, Your health and well-being and that of our employees is of the utmost importance [...]
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March 4, 2020Thinking of Selling Your Business to an Employee?
Whether it’s because you want to keep the business “in the family” or because you suspect you will not be able to find [...]
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February 24, 2020Which Planning Process Is the Best Fit for You?
Planning for a successful future isn’t homogenous. It simply can’t be. The needs that you and your business have are [...]
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February 24, 2020Where can you find IDI clients?
Income protection is an important topic to talk about – and most people have a need for individual disability insurance [...]
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February 17, 2020Important Reminders for HealthyRewards
The end of the calendar year also means the end of the plan year for many members. Please have your [...]
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February 17, 2020Form 1095-B
What is Form 1095-B? The Form 1095-B is used to report certain information to the IRS and to taxpayers about individuals [...]
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February 6, 2020Strategies for Reducing Risk and Improving Outcomes
As a business owner, you make decisions constantly that you believe will reduce your risk and/or improve your business outcomes. [...]
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January 17, 2020Excellus: 2020 Strategic Direction
With this recent announcement by Excellus and Lifetime Benefit Solutions, we want you to know that KAFL is here to [...]
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January 10, 2020Beginning 2/1/20, you CANNOT sell a life policy in NY until you are Reg 187 compliant!
New York has had a suitability regulation for producer annuity recommendations, but this regulation did not apply to life insurance. [...]
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January 6, 2020What’s your New Year’s Resolution?
What’s your New Year’s Resolution? Communicating better and more effectively is in the top three of my resolution list, along [...]
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December 27, 2019The Unaddressed Role of Emotion in Business Exits
“For years, my Exit Planning goal was to get out of my business on my terms. But I didn’t act [...]
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December 27, 2019The Owner’s Vision for the Future: Values-Based Goals
In our last three articles, we’ve discussed the importance of exit goals and two of the three types of exit goals: foundational (financial [...]
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December 11, 2019John Hancock Aspire
John Hancock’s Aspire is designed for people living with type 1 or type 2 diabetes, and combines the long-term financial [...]
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December 5, 2019VSP Members Get an Extra $40 to Spend
For a limited time, VSP members get an Extra $40 to spend on select frame brands. Now through February 29, [...]
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November 21, 2019Prudential Announces eIssue Policy Delivery!
Prudential will now issue all Term policies outside NY via E-Delivery For NY cases that are non-replacements, they will issue [...]
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November 15, 2019Earn an Apple Watch with John Hancock Vitality PLUS
Life insurance with the John Hancock Vitality Program rewards you for the healthy activities you do every day. And now, [...]
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November 6, 2019AXA’s Q4 Mission Addition Underwriting Program
Limited time offer: Now through December 31,2019. Allows your clients to quickly and easily add a permanent life insurance policy [...]
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November 1, 2019Important MoneyGuard Deadlines
Lincoln’s MoneyGuard® product compliant with the new CSO tables has not yet been approved in New York. This means: All [...]
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October 24, 2019Annual Group Information Forms
Compliance With New York State Insurance Law and Small Group Eligibility As part of our ongoing commitment to maintain compliance [...]
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October 14, 2019AIG Year-End Transition Guidelines
2019 Year-End Processing Dates and Holiday Hours At the end of the year, some conditions will apply to the issuance [...]
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October 11, 2019Need To Know – Important product and placement deadlines!
With Prudential UL Plus being retired on 10/27, all UL Plus applications must be received by KAFL by 3:00 on [...]
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September 12, 2019Lincoln 2019 – Year-End Transition Guidelines
Underwriting & New Business enhancements 2019 Year-end Transition Guidelines The life insurance industry is updating their product portfolios to be [...]
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September 9, 2019Individual & Small Group Rates and Plans for 2020 now Available!
Individual & Small Group plans and rates for 2020 and stand alone small group dental plans are now available on [...]
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September 6, 20192001 to 2017 CSO Table Transition
Overview Beginning January 1, 2020, any new life products issued must use the 2017 Commissioners Standard Ordinary (CSO) Table. To [...]
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September 3, 2019NEW UPDATE – NYS ANNOUNCES 2020 NY PFL RATE DECISION
New York State Department of Financial Services (DFS) announced today, the updated NY Paid Family Leave (NY PFL) employee contribution [...]
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August 29, 2019Brighthouse Product Portfolio Update!
Life Insurance Product Portfolio Update Effective September 27, 2019, Brighthouse Financial® will close the following products to new sales: Brighthouse [...]
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August 29, 2019Life Insurance Awareness Month Resource Kit
Check out our newest edition of THE DIGEST; resources for “Life Insurance Awareness Month“. THE DIGEST is your single source [...]
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For many people, life insurance doesn’t cross their radar until they’ve reached their 30s. But I bought my life insurance [...]
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August 15, 2019Manhattan Life Reducing rates 8/27/19, Lock-in Now!
Annuity rates reduce for all products .10bps Deadlines All applications must be signed and dated on or before 8/26/19 [...]
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August 14, 2019DFS Announces 2020 Premium Rates
The New York State Department of Financial Services released the approved 2020 rates for the individual and small group market. [...]
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August 14, 2019Key Person Disability Income
Key person DI is corporate income protection insurance designated to pump much-needed capital back into a business after the loss [...]
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When taking advantage of Protective Life’s voice signature functionality, both you and your clients can enjoy a quick and easy [...]
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July 30, 2019Request for Missing Social Security Numbers
Under the Affordable Care Act, the Internal Revenue Service requires health insurers to request missing subscriber and dependent Social Security [...]
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Please be advised that groups who have not submitted an Annual Group Information Form (AGIF) in the past 2 or [...]
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July 30, 2019PREVIEW: Excellus’s Broker & Employer Site Changes
With changes coming to our Broker and Employer web portals, we’ve created a preview comparison of a few of the [...]
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Help your clients leave their legacy with peace of mind. Their beneficiaries can learn more about distribution types with this [...]
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July 18, 20194 Ways to Ask for Referrals
OK, you’ve been to more seminars on growing your business through referrals than you can count. Sometimes, we take something [...]
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July 15, 2019Guardian Workplace Benefits Study (5th Annual)
Guardian_Small-Business-Big-Benefits-Study
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July 2, 2019New York Regulation 187 Change 8/1/2019!
Here’s your guide to being compliant with Reg 187: Complete Reg 187 training before 8/1/2019 (we suggest RegEd as the course is free) Send [...]
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June 26, 2019IRS sets HSA limits for 2020
Individuals will be able to contribute $3,550 to HSA next year, and families will be able to contribute $7,100. Here [...]
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June 26, 2019What’s next for Association Health Plans?
After a federal district court struck down the Trump administration’s 2018 AHP expansion, the Department of Labor has appealed the [...]
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June 26, 2019Final HRA rule expands options for employers
The IRS released a final rule expanding HRAs earlier this month. Beginning in 2020, employers of any size will be [...]
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On May 13, 2019, an application was submitted requesting 2020 premium rate changes in accordance with New York state prior [...]
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Lock in May Rates by 5/31 before they change. American National Rate Sheet New York Rate Sheet Highlights: (See Rate [...]
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Asset Protector – the new generation of life insurance – provides a unique set of living benefits not currently available anywhere [...]
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Show clients an innovative way to use life insurance to protect their retirement assets with a training program on RetireStronger.com [...]
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May 21, 2019John Hancock Vitality Program
Now, all your clients can be rewarded for living healthy with two great versions of the John Hancock Vitality program, [...]
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May 13, 2019Retire Stronger!!
50% of Households Risk Their Standard of Living Declining During Retirement Will your clients have enough money for retirement? Did [...]
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May 10, 2019Protect the Asset You Rely on Most
Protect the asset you rely on most Your income provides for so much – your home, car, [...]
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May 8, 2019Protect the asset you rely on most
Your income provides for so much – your home, car, activities and much more. With something that provides so much, [...]
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Blog for Retirement Protection – Offer Life Insurance You Don’t Have to Die to Use: An “Asset Protector” Package Enhances [...]
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May 2, 2019Money for Retirement??
Will you have enough $$ for #retirement? Set up a plan to help you retire stronger http://bit.ly/2XVxjqq http://bit.ly/2CbGBGZ
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April 30, 2019Calculate Your Needs
Looking for a quick and easy way to calculate the need for income protection and what it may cost? This [...]
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April 25, 2019Are You Really Protected?
Your car and home are likely protected, but what about your income? It pays for everything and is important, too. [...]
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Do you know how to use Social Media to find new clients? Learn more about how a simple invitation to [...]
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April 23, 2019New annuities starting to address RMDs
For annuity owners who don’t need an RMD there are new products that automatically roll the RMD payment into [...]
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We’ve made income protection our life’s passion, but most people aren’t sure what it is or why they should have [...]
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April 21, 2019Why millennials should consider disability insurance
Millennials are blessed with youth and great earning potential. So, why should they consider income protection now? This article provides [...]
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April 21, 2019Retirement Savings Protection
A sickness or injury may keep you from working, but it doesn’t have to keep you from saving for retirement. [...]
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April 19, 2019It’s 4/20 at 4:20.
Do you have the tools you need to help your clients with marijuana use get approved for life insurance? Come [...]
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March 28, 2019The Digest – 2019 Issue 3 – Special Needs Planning
In partnership with KAFL, here is your 2019 Issue 3 Edition; The Digest on Special Needs Planning. Your single source [...]
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March 28, 2019American National April Rates are Decreasing!
Lock in March Rates before they change! Applications must be signed and dated on 3/3/19 or prior and received KAFL’s [...]
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February 19, 2019What do you need to start the right conversation?
What do you need to start the right conversation? The right information can help you start the conversation. Use the [...]
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November 30, 2018Understanding Your Client’s Life Stage
By taking time to understand your clients, and their life stage, you’ll be able to have deeper, more meaningful conversations [...]
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October 26, 2018Coffee Talk
Networking through the use of a simple invitation to “meet for a cup of coffee” is a great way to [...]
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August 23, 2018New Wealth & Health Microsite!
New Wealth + Health Microsite! What can you find in here? Ways To Work With Different Generations Talking Points About [...]
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July 13, 2018William Penn & Banner Life eDelivery
Effective immediately all William Penn and Banner policies will be eDelivered. Please see below for exceptions. Advantages of Going Green [...]
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Are renewal commissions yours? KAFL does not keep any of your commissions, first year or renewal. Who is your contract [...]
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Talking points about wealth + health can provide you the opportunity to engage with prospects and unresponsive clients alike. [...]
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March 22, 2018Important Penn Mutual Product Changes!
Penn Mutual New York State Life Insurance Product Portfolio Changes Effective April 1, 2018 Acting in the long-term best interests [...]
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March 16, 2018New Living Benefit Microsite
LTC AND LIVING BENEFITS Because more are living longer, many life insurance companies have found traditional long-term care (LTC) policies [...]
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A Critical Illness Rider is NOT a Chronic Illness Rider At John Hancock, we recently introduced a new, innovative Critical Illness [...]
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February 20, 2018New Individual Dental/Vision Solution!
KAFL, Inc. is excited to announce our latest product offering for your Individual and Medicare clients. Introducing Bright Idea Dental [...]
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February 20, 2018NEW Microsite Coming Soon!
New Microsite Release – COMING SOON The new and improved AIMCOR LIVING BENEFITS microsite release is just around the corner. [...]
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January 31, 2018Coming Soon – Only Offered Thru KAFL
Research shows that oral health and overall health are closely related. [...]
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January 24, 20183 ways to raise awareness for income protection
One of the best ways to generate income protection sales is to raise awareness. Clients can’t ask for help if [...]
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December 12, 2017Don’t Miss These Important Open Enrollment Deadlines!
For January 1st, 2018 effective dates, all new business group and individual health applications must be received by KAFL by [...]
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November 22, 2017American National iGO Applications Discontinued
American National’s new Expert electronic tools will replace iPipeline’s IGO applications and the LPES illustration system. ExpertApp, will replace iPipeline’s [...]
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October 20, 2017Customers Should Never Miss their Bill – Powered by SmartAction
SmartAction was founded as an artificial intelligence (AI) research company and has since evolved into the leading provider of AI-powered [...]
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September 6, 2017September is Life Insurance Awareness Month
Will your client’s 401(k) and Social Security Benefits be enough at retirement? September is Life Insurance Awareness Month. 47% of [...]
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September 6, 2017Individual Health Insurance Compensation Reminder
Reminder: For all 1/1/2017 policies, KAFL will no longer be paying out commissions on individual health insurance policies (any business [...]
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June 20, 2017TransCare III Updates
Transamerica remains committed to you and to the long term care insurance market. As such, it’s important that we modify [...]
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June 5, 2017The Dept of Labor’s New Fiduciary Rule!
Need to know more about what is happening with the DOL, click here for updated information. .
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Brighthouse Premier Accumulator Universal Life New York Update Effective May 22, 2017, Brighthouse Premier Accumulator Universal Life (PAUL) will [...]
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All Trendsetter® LB (Living Benefit) Term Life Insurance applications signed AFTER 5/5/2017 will be underwritten with the new living benefit [...]
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April 7, 2017MoneyGuard II Product Changes Deadlines
The deadline for applications to be at the Lincoln Home Office in good order for current pricing is April 13, [...]
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DOL Releases Final Rule Delaying Fiduciary Implementation. The Department of Labor released a final rule Tuesday delaying the implementation of its fiduciary [...]
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March 15, 2017Transamerica Inforce Policy Illustration Update
INFORCE BUSINESS Limited Illustrations on Certain Inforce Policies Beginning March 15, 2017, Transamerica will illustrate only the guaranteed future interest [...]
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New Pricing Effective March 6 We continuously strive to offer a relevant suite of product solutions that align with the [...]
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March 2, 2017Stay Connected – Life Insurance Policy Review
There are so many ways to stay connected with your clients or to reach out to them regarding their life [...]
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February 16, 2017Life Insurance Review Tools
POLICY REVIEW Looking to grow your sales, deliver a higher level of service to your clients, and stand out amongst [...]
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February 6, 2017The DOL Fiduciary Rule Has NOT Been Delayed
The Department of Labor Fiduciary Rule has NOT been Delayed Late Friday afternoon people began to report that President Trump [...]
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January 13, 2017Simplify the DI conversation – start with the basics
Don’t let misconceptions stop the sale before it starts Disability insurance is a new concept for most. So starting [...]
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January 11, 2017IMPORTANT RELEASE – AimcoR DOL Microsite
The microsite is comprised of 5 sections as outlined below: Whitepapers – DOL Conflicts of Interest Ruling – This [...]
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December 9, 2016MetLife Life Insurance Product Portfolio UPDATE
March 3, 2017 Applications for term conversions that do NOT require underwriting must be received [...]
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November 17, 2016Important message from VOYA Financial
November 15, 2016 To achieve our vision to be America’s Retirement Company, Voya must continually evolve our strategy in response [...]
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After a recent analysis of the macro-economic trends facing the long-term care (LTC) insurance industry, we have made the difficult [...]
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Your clients may have doubts about their income in retirement. And they should since almost half of Americans aged 56-62 [...]
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October 25, 2016The Power of Adding More Life, Plus We Want to Hear From You
Prudential’s Life Essentials With so much uncertainty, your clients are worried about the income they’ll have in retirement. There are [...]
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Earlier this afternoon Prudential released an announcement regarding their decision to limit the death benefit effective October 28, 2016 [...]
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September 12, 2016Principal – Engage with clients → make more sales
You know the drill: People definitely need income protection. Yet, they rarely ask you about disability income (DI) insurance. It’s [...]
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September 9, 2016September is Life Insurance Awareness Month!
This year, John Hancock’s Life Insurance Awareness Month (LIAM) campaign, titled Rewarding Life at Every Stage, highlights how our [...]
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August 9, 2016MetLife: Key End Dates for DI Suspension
As previously communicated, sales of new IDI policies will be suspended as of September 1, 2016. The last date to [...]
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From August 1st through December 31st, 2016, MetLife is offering a quicker [...]
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Prudential’s new marketing campaign focuses on the role that life insurance can play in your clients’ retirement planning. It addresses [...]
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June 26, 2016Trendsetter® Portfolio Updates and Re-price
Portfolio Price Adjustments On June 25, 2016, the Trendsetter® term product portfolio is being re-priced to align with Transamerica’s strategic [...]
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May 31, 2016MetLife Life Insurance Simpler Underwriting
With MetLife Enhanced Rate PlusSM, which is available on our most innovative product, MetLife Premier Accumulator Universal LifeSM, eligible clients1 [...]
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Applications must be in the KAFL Office by May 26th. They will not make any exceptions. News for Companion From [...]
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Click here for details on their new policies.
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March 24, 2016American National – Innovative Underwriting Changes
Innovative Underwriting Requirement Changes What requirements have improved? Medical Exams • MD exams not required up to $10,000,000 and up [...]
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March 8, 2016Give your clients the versatility they need
Clients need help meeting their goals. Now you can offer them a product that has the versatility to help meet [...]
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February 12, 2016More Information About Changes at Genworth
Last week, Genworth shared that they are making changes to their current product portfolio. To address your feedback and concerns, Genworth [...]
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January 26, 2016American National: NY Coverage Continuation Rider Change
New York Coverage Continuation Rider – New Minimum Face Amount Effective 2/1/16, The Executive Universal Life – NY series will [...]
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January 21, 2016Important information about MLR rebate requirements
An update for our brokers in CT, DE, MA, ME, NJ, NY, PA, RI, VT and WV Aetna will mail [...]
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January 15, 2016Aetna NY Keys to Lock In Success!
As we embark into another successful year, our goal is to prepare you with the necessary tools to support your [...]
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January 12, 2016MetLife Announces Plans to Separate US Life-Insurance Unit
CLICK HERE FOR CNBC NEWS RELEASE
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Dear Distributor, It is with great disappointment that I inform you that the MedAmerica Companies will be discontinuing sales of [...]
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December 18, 2015Reg 60 Carrier Guidelines
Click here to stay up to date on which carriers are using the new Reg60 process.
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December 8, 2015Notice to Agents about Dual Licensing
Some carriers we work with do not allow agents to be dually contracted. That means you cannot be appointed through [...]
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Individuals and small groups often struggle with the costs of dental, vision, and doctor visits. A solution can be the [...]
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December 3, 2015Excellus Important Notice to Brokers
September 2015 Broker News concerning Cyber attacks.
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December 2, 2015Voya recognized as a “Best Place to Work for LGBT Equality” for 11th Consecutive Year
Voya received a perfect score of 100 percent on the 2016 Corporate Equality Index (CEI) — a national benchmarking survey [...]