Excellus is gearing up for open enrollment training for 2021 and they are excited to bring you a new way to learn about new products and programs. They know the preference for most of our brokers is training in an online format. And with everyone doing their best to maintain social distance these days, it became clear the ability to conduct meetings and training in a virtual setting would be needed, as well.

Their new online sales hub will be able to help you do just that, giving you convenient, on-demand access to pre-recorded training videos and sales collateral.
This will include a pre-recorded webinar available in September for our annual Open Enrollment meeting. Please contact your KAFL Employee team member at enrollment@kafl.com if you have a topic for consideration on the agenda. Further details will be provided as we get closer to the Open Enrollment meeting.

They will be reaching out via email in the next week or so to provide each of you with a unique URL for accessing the sales hub along with additional details.

For the original communication from Excellus, please click here

COVID-19 has disrupted families, communities, and businesses in our country and around the world. EMSI has become a casualty of these unprecedented times, as the pandemic has severely depressed service volumes. As a result, all company operations ceased on Friday, July 3, 2020.

Prudential’s response to closing:

In light of the EMSI closure news, unfortunately, there are some impacts to “in the mill” cases.

Here is a high-level summary of impacts:

  1. Orders for cases that have been assigned a Prudential policy number are being transferred to a new vendor – No action required.
  2. Fast App has been suspended for new submissions.
  3. Fast App cases that did not transmit to Prudential prior to EMSI’s closure will need to be re-submitted via an alternate method. To proceed, re-submit using an alternative application. We recommend using the Xpress Worksheet Application, and the online interview, to expedite processing.

We are working to update FastApp submissions to be processed through another vendor as quickly as possible. We understand the importance Drop Ticket submissions play in our partnership and are actively working to have solutions in place in the near future.

Click here for more detailed information.

Prudential has pulled their Guaranteed Death Benefit UL Protector (single life only, not survivorship)

  • The deadline to get applications to Prudential is 7/13 therefore they need to be at KAFL by noon on Friday, 7/10

Prudential has pulled their Survivorship Variable UL in NY only

  • The deadline to get applications to Prudential is 7/19 therefore they need to be at KAFL by 10:00am on Friday, 7/17

Beginning Monday June 8th health insurance carriers will begin to send notices to individual and group health insurance customers notifying them of the 2021 rates they are requesting.  PLEASE NOTE: these rates are not final and are subject to change.  The State of New York Department of Financial Services can come back to the carrier to adjust their request and the new rate would be communicated as the “final rate” for 2021 at a later date.  Once the group gets the notice from the carrier it is their responsibility to distribute it to any employee in that specific plan (note each plan may have a different rate change).  In addition these notices can be sent in either hard copy form or electronically to the employees.  If you have any questions please don’t hesitate to reach out to any member of our Employee Benefits team for help.  Thank you!

Important Underwriting and New Business Updates

An Important Update from Ray Caucci, Senior Vice President, Product Management and Underwriting and Gretchen Dinucci, Vice President and Chief Underwriter

Throughout the rapidly evolving pandemic, we have been evaluating our underwriting and new business practices continuously to support business continuity, deliver a consistently high level of service and maintain our financial strength. We have been working closely with our key strategic partners, including the reinsurers, to effectively navigate the risks associated with the pandemic.

As a result, effective at the close of business today, Thursday, April 2, 2020, we are implementing the following temporary changes to our life insurance underwriting and new business guidelines for all cases not already approved or issued as noted on InSight.

  • Postponing any applications on individuals with an insurance age 70 and older
  • Postponing any applications on individuals of any age rated worse than a Table Four
  • Suspending acceptance of funds from external replacements in excess of $250,000 gross cash value
  • Suspending the following programs until we have clarity on the pandemic’s impact:
    • Table Four to Standard Fold In Program
    • Survivorship Whole Life Rate Class Upgrade
    • Lifestyle Credit Program

We are making these changes after careful consideration of the potential business disruption. We expect to re-visit these and other changes as we gain better insight into the impact of the COVID-19 pandemic.

As a mutual company, we have always taken the long-term view in service to our policyholders’ best interests, and we continue to do so today. We remain committed to maintaining a prudent, long-term approach as we navigate the COVID-19 pandemic — with a continued focus on delivering on our promises to policyholders and financial professionals.

Thank you for your flexibility and understanding as we all continue to adapt to changing conditions.

If you have questions, please contact your KAFL brokerage manager.

New York has had a suitability regulation for producer annuity recommendations, but this regulation did not apply to life insurance. The regulation has been expanded to:

  • any producer recommendation to a N.Y. resident of a transaction involving any type of life insurance
  • a producer recommendation to a N.Y. resident of either a new life insurance policy or an in-force transaction (for example, a conversion of a term policy into a whole life policy)
  • require the producer to meet a “best interest” standard when recommending the purchase of life insurance
  • require the producer to have a “reasonable basis” when recommending life insurance to a N.Y. resident, including having confidence that the client has the financial ability to make the premium payments and for the producer to document that basis
  • require the producer to make certain disclosures to a N.Y. resident when recommending any transaction (whether a new sale or in-force) that involves the payment of new compensation to the producer
  • In addition you will need to complete carrier specific life product training, this new training is required to sell a life policy in New York beginning 2/1/20! The list of training links is available on our Get Licensed Page and will be updated as more information is given to us by the carriers.


Here’s your guide to being compliant with Reg 187:

  • Complete Reg 187 training before 2/1/2020 (we suggest RegEd as the course is free)
  • If you have completed Reg Ed course #484 or #485 you have satisfied your life Reg 187 training requirement.
  • Click here to see a link to state approved CE providers.
  • Send training certificate to licensing@kafl.com
  • Carriers will be changing their suitability forms so please verify with KAFL that you have the most current version of the paperwork


Click here for full Reg 187 Regulation

For a limited time, VSP members get an Extra $40 to spend on select frame brands. Now through February 29, 2020, VSP members can choose a frame from popular brands including CALVIN KLEIN, CALVIN KLEIN JEANS, DKNY, Draper James, Dragon, and Nike and $40 will automatically be applied to their purchase when they use their benefits.

Reach out to enrollment@kafl.com if you are not already registered, and we’ll follow up with a link to the training and marketing tools to help you get started. You’ll be proud to offer VSP, which leads the industry in overall member satisfaction.If you are not already registered to sell VSP, please email enrollment@kafl.com.


Click here to download Extra $40 Talking Points and FAQs for reference.

  • Prudential will now issue all Term policies outside NY via E-Delivery
  • For NY cases that are non-replacements, they will issue an eIssue policy 
  • All term policies that do not qualify for eDelivery will now be issued via eIssue
  • Your designated Case Manager will email you the pdf of the policy for signatures
  • A paper policy will not be printed and mailed; the policy will need to be printed from the PDF file your Case Manager emails you
  • Wet signatures must be collected from applicable parties and appropriate paperwork returned to KAFL for processing

Contact your KAFL case manager today for any questions.

Limited time offer: Now through December 31,2019.

Allows your clients to quickly and easily add a permanent life insurance policy and potentially include our Long-Term Care Services Rider


Improve their rating by one class when they have a fully underwritten AXA Equitable Life Insurance Company or MONY Life Insurance Company of America (MLOA) or a select carrier’s life policy in place. See list of qualified carriers on the bulletin below.

Click here to download the below PDF


Lincoln’s MoneyGuard® product compliant with the new CSO tables has not yet been approved in New York.  This means:

    • All applications for Moneyguard® Reserve must be received at KAFL in-good-order by 1:00pm EST on Thursday, November 14th.
    • Lincoln will be making NO exceptions.  In an effort to accommodate all deadlines, please let your KAFL team know if you expect to be submitting an application at the last minute so we can prepare.
    • Lincoln is no longer accepting external 1035 exchange applications for Lincoln MoneyGuard® Reserve.
    • In addition, after November 15, 2019, Lincoln will not have an approved MoneyGuard® product available in the state of New York.
    • Please note that due to a very high volume of applications, Lincoln is experiencing delays with their processing and underwriting times

Lincoln is actively working with the state to get their 2017 Commissioners Standard Ordinary (CSO) Mortality Table product approved as soon as possible and we will update you as we learn more.

Additional Reminder:  Application Deadline for the MoneyGuard® II product outside of NY is Friday, November 1.   Any applications received after that date must use MoneyGuard® III, which is an increased cost for most clients.

With Prudential UL Plus being retired on 10/27, all UL Plus applications must be received by KAFL by 3:00 on 10/24/19.

Prudential EUL is launching on 10/28 in NY:

  • REPRICED TO BE COMPLIANT WITH PRINCIPAL BASED RESERVES (PBR), 2017 CSO MORTALITY TABLES, & CREDITING RATE CHANGE TO 4.15% – Minimal decreases and increases at key ages 45—75 (top 4 underwriting classes) for minimum premium to $1 at age 120
  • NEW LOW BAND For face amounts under $100,000.  Under $25,000 for conversions only.  New business will be available from $25,000 and higher
  • REMOVAL OF LIMITED NO-LAPSE GUARANTEE – Now easier for a client to understand
  • TYPE C UPDATES (similar to FOUNDERS PLUS 2018)
      • Max age change from 70 to 75
      • Factor change from 1 to 2

    Contact your KAFL brokerage manager today with any questions.

New York State Department of Financial Services (DFS) announced today, the updated NY Paid Family Leave (NY PFL) employee contribution rate for  upcoming 2020 calendar year.

The NY PFL Employee Rate will be increasing from 0.153% to 0.270%

Details of these updates are outlined below and will be effective January 1, 2020.


NY PFL Rate and Benefit Updates for 2020: 

NY PFL Employee Contribution Rate Change for 2020
Employee Rate 0.270% of employee’s weekly wages, up to annualized NYS Average Weekly Wage (NYSAWW-$1,401.17*)
Annualized NYS Average Weekly Wage Cap $72,860.84
Maximum Employee Annual Contribution $196.72


NY Paid Family Leave (PFL) Benefit Provisions
Claim Year 2020 2019
Effective Date January 1, 2019
(applicable to new leaves beginning 1/1/20 or later)
January 1, 2019
(applicable to all leaves initiated in 2019)
Maximum Length of Paid Leave 10 weeks 10 weeks
Payable Benefit % of an Employee’s Average Weekly Wage 60% 55%
Maximum Weekly Benefit

(Cap % of NY State Average Weekly Wage (NYSAWW*))

(60% of NYSAWW of $1,401.17*)
(55% of NYSAWW of $1,357.11*)


*The New York State Department of Labor annually publishes the NY State Average Weekly Wage by March 31 of each year, which will be the basis for determining the maximum benefit payable for the subsequent calendar year. https://labor.ny.gov/stats/avg_wkly_wage.shtm

Read more here: PFL Rate Decision – 2020

Life Insurance Product Portfolio Update

Effective September 27, 2019, Brighthouse Financial® will close the following products to new sales:

  • Brighthouse Premier Accumulator Universal Life (PAUL)
  • Brighthouse Guaranteed Level Term (GLT)
Why is Brighthouse Financial closing these products?

With the adoption of the 2017 Commissioners Standard and Ordinary (CSO) Mortality Table and the regulatory requirement that any product available for sale beginning January 1, 2020, comply with the 2017 CSO Table, insurance companies are updating or closing older products. In evaluating our life product portfolio, we have opted to close rather than update these products.

In contrast, Brighthouse SmartCare® and other life products that Brighthouse Financial will bring to market will comply with the 2017 CSO Table. This is consistent with our strategy to reestablish a competitive presence in the U.S. life insurance market and build upon our foundation of experience in the development of protection products.

Key transition dates for sunsetting products are as follows:

  • August 27, 2019
    • Last day to submit Quick Quotes and Preliminary Applications
  • September 24, 2019
    • Paper applications with cash must be to KAFL – no exceptions
  • September 25, 2019
    • Paper applications without cash must be at KAFL  – no exceptions
  • September 27, 2019
    • Tele-applications must be completed
    • The last day PAUL and GLT illustrations will be available
  • November 27, 2019
    • Pending cases must be paid and issued

Brighthouse Financial Life Insurance Product Portfolio:
The following Brighthouse Financial products will continue to be available:1

  • Brighthouse SmartCare® Indexed Universal Life
  • Brighthouse Conversion Whole Life
  • Brighthouse One Year Term


1All products may not be available in all jurisdictions or firms. State variations may apply.

Life insurance products are issued by Brighthouse Life Insurance Company and, in New York only, by Brighthouse Life Insurance Company of NY (“Brighthouse Financial”). Brighthouse Financial® and its design are registered trademarks of Brighthouse Financial, Inc. and/or its affiliates

For Financial Professional Use Only. Not For Public Distribution.


Under the Affordable Care Act, the Internal Revenue Service requires health insurers to request missing subscriber and dependent Social Security numbers from their members. In August, we will send Social Security number request letters to individuals who had health coverage at any time in 2019.


Learn More!

With changes coming to our Broker and Employer web portals, we’ve created a preview comparison of a few of the web site pages to give you a sense of what’s coming. As noted in past communication, you’ll need to create a NEW PASSWORD the first time you log in. No change is needed now; you’ll be prompted to make the change when the time comes.


Click here to Preview

One of the best ways to generate income protection sales is to raise awareness. Clients can’t ask for help if they don’t even know they have a need for it in the first place.

1 Build your digital presence with social media and emails with this campaign.
2 Share our income protection calculator using this email. In just minutes, this calculator highlights the personalized need for income protection and provides a cost estimate.
3 Keep the sales conversation simple and visual. Share this infographic to help tell the income protection story.

November 15, 2016

To achieve our vision to be America’s Retirement Company, Voya must continually evolve our strategy in response to changing, and often challenging, market conditions. The insurance industry continues to face strong headwinds, including historically low interest rates, heightened market volatility and regulatory changes.

In response to these conditions and as part of our evolution as a company there will be a number of changes to our product offering.

Product changes

Effective December 30, 2016, Voya will suspend Voya Indexed Universal Life-Guaranteed Death Benefit (IUL-GDB) and all level-term insurance sales while continuing to offer cash value life insurance products. Suspended products include:

Voya IUL-GDB –  Security Life of Denver Insurance Company – 1185-09/11

Voya TermSmart –  ReliaStar Life Insurance Company – 1315-02/10

Voya TermSmart NY –  ReliaStar Life Insurance Company of New York – 3314-02/10

Voya ROP Endowment Term – ReliaStar Life Insurance Company – 1314-12/09

Voya ROP Endowment Term NY –  ReliaStar Life Insurance Company of New York  3313-12/09

*All issuing companies are members of the Voya® family of companies.

Voya is committed to the insurance business, and to the sale of life insurance and annuities. We continue to offer competitive product solutions to help our clients to and through retirement. We remain confident that cash value products play an integral role in Voya’s mission to help Americans plan, invest and protect their savings to get ready to retire better.

We are confident in our individual life business, and our expectation is to continue delivering top-quality solutions and value to our customers and shareholders.

The following contains some key dates and activities regarding the suspension of Voya’s level-term and IUL-GDB products.

Key Dates and Actions:
12/14/16  •  Last day to illustrate level-term products and IUL-GDB on Presents and other illustration software

12/28/16  • Last day KAFL will accept Voya formal applications

02/17/17  • Last day to issue / reissue policies – Last day to initiate 1035 exchanges with replacement companies – All underwriting and administrative requirements to issue the policy must be received by Voya.

For more information, contact your KAFL Brokerage Manager.

Portfolio Price Adjustments
On June 25, 2016, the Trendsetter® term product portfolio is being re-priced to align with Transamerica’s strategic focus and to improve our competitive position within key customer markets. In particular, we’ve improved our rates for clients age 45 and under and Standard and Preferred Tobacco users. Significant improvements were made for the Trendsetter® Super policy with a face amount of $1 million and below.

Click here for full article

Clients need help meeting their goals. Now you can offer them a product that has the versatility to help meet their most important needs. Unique among life insurance products, MetLife Premier Accumulator Universal Life℠ offers:

  • The death benefit protection clients need
  • Policy values not directly affected by market volatility
  • The ability to access the policy’s cash value quickly and without substantial penalties1

With the ability to provide death benefit protection and help meet many of your clients’ living needs, MetLife Premier Accumulator Universal Life is at the forefront of products that are changing the way people view, purchase, and use life insurance.

Help your clients reach their life’s potential while you build your business.

Find out more

Last week, Genworth shared that they are making changes to their current product portfolio. To address your feedback and concerns, Genworth has provided the following documents for your reference, which include key messaging, messages from Genworth U.S. Life Insurance President & CEO David O’Leary and Genworth Chief Financial Offcer Kelly Groh, along with frequently asked questions. Click below for the complete details.


Dear Distributor,

It is with great disappointment that I inform you that the MedAmerica Companies will be discontinuing sales of our long term care insurance and short term care insurance products, effective February 15, 2016. Regulatory approval of this action will be required in all 50 states.

While we believe there is a growing and undeniable social need for financing long term care, economic circumstances have impacted the entire long term care industry, as evidenced by a 22% decline in 2015 industry sales, according to LIMRA. Unfortunately, these circumstances, particularly the low interest rate environment, have left MedAmerica with no choice but to exit the marketplace.

Going forward, we will focus our resources on providing the best possible service to our existing insureds, following through on our commitments, and delivering on our mission to provide financial protection, and comprehensive, caring support for families who are navigating a long term care event. Coverage for all of the approximately 120,000 insureds we service will continue without interruption. You can rest assured your clients will still receive the pristine service you have come to expect from MedAmerica.

For complete details on how this action will impact you, please click the links below. We will be mailing a copy of this notice to each agent and agency to provide the required 30 day notice (90 day notice in Pennsylvania) of contract and appointment termination. All producer contracts with MedAmerica and all state appointments, with the exception of Pennsylvania, will be terminated on February 15, 2016. The termination date in Pennsylvania will be April 15, 2016. Please be advised that the last application sign date in all states, regardless of the contract and appointment termination date, is February 15, 2016.

On behalf of all of us here at the MedAmerica Companies, please accept my sincere gratitude for the many years of partnership. We truly appreciate your business, support, and commitment to MedAmerica over the past 28 years.

Best regards,

Bill Naylon

Important Dates & Product Cease Sale Details

Questions & Answers

Individuals and small groups often struggle with the costs of dental, vision, and doctor visits.

A solution can be the KAFL Discount Card! This card provides discounts from thousands of network providers and a Teladoc program which allows for easier accessibility to health care advice through 24 hour nurse and physician services.

Learn about the benefits of this card and how it can compliment your Medicare and individual medical clients! Below is a link to a short video highlighting the benefits of this program!



KAFL Discount Card Website

*KAFL Discount Card is not insurance

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