Holiday Office Hours

Best Agency will be closed from 2pm EST on December 24th through December 26th in celebration of the holiday season. We will re-open with normal business hours on Monday, December 29th, 2014.

Pending case status, forms, and rate quoting remain available 24/7 on the website.

Have a safe and happy holiday!

Best Agency USA

Banner Life LOWERS Term Rates Again

Effective October 6th, 2014, Banner Life announces lower term rates for most ages.

Please click here for more information.

You can quote Banner today on our quote engine.

American General Sales Contest

American General announces a sales contest for living benefit riders available on our life insurance policies:

• Lifestyle Income SolutionSM (LIS)— longevity rider (available on AG Secure Lifetime GUL® II policies via

the AG Asset ProtectorSM bundle)

• Accelerated Access Solution® (AAS)—chronic illness rider (available on Elite Index II® and with or without the LIS on AG Secure Lifetime GUL II policies)

These riders provide a unique package that allows clients access to death benefits while they are living.

CONTEST PERIOD: August 1, 2014 – January 31, 2015

Click HERE for Contest Rules

Gerber Life Grow Up Plan Changes

Important Changes to the Grow-Up Plan


Product Changes Effective August 21, 2014 Include:

• New Payment Protection Option (PPO) Rider

• Monthly ACH Discount increases from 8% to 10%

• Premium Increase


Transition Rules:

• Existing paper applications with a 07/13 revision date (09/13 in New York) on the bottom right hand corner will be accepted until November 19, 2014.

• The Gerber Life Agent Portal will only have the new product, the PPO rider and rates for both available as of August 21, 2014. Agents will be allowed to submit the old paper application using the old rates until November 19, 2014.

• The New PPO rider will only be accepted with the new application with a revision date of 06/14 on the bottom right hand corner.

• Agents will not be able to add the PPO rider to an existing policy.


Click here for more details

Protective Life Rate Changes Effective August 18, 2014

Effective August 18, 2014, Protective Life will lower rates for initial level benefit periods of 10-30 years at face amounts of $500,000 and up. Our latest rate changes competitively position Protective Custom Choice UL to help you offer greater value at higher face amounts.

*Changes apply to Select Preferred, Preferred and Non-tobacco classes only.

We will automatically apply any decrease in rates on policies issued for Protective Custom Choice UL (10-30) beginning August 18, 2014. The following transition rules will apply for paper applications and electronic submissions. 

Transition Rules

>    The new Protective Custom Choice UL (10-30) rates will be available on August 18, 2014,
      for quoting, submitting applications and issuing policies in all states that are currently
      approved for the product.

>    Submissions via TeleLife or direct writers on or before August 18, 2014, and applications
      received no later than September 19, 2014, will receive the lowest rates available for
      Protective Custom Choice UL (10-30). Applications received after September 19, 2014,
      (regardless of signed date) will be processed with the new Protective Custom Choice UL
      (10-30) rates.
>    Paper Applications will be eligible for old rates, provided they are signed on or before
      August 18, 2014, and received no later than September 1, 2014. To ensure the customer receives
      the best rate possible, the lowest rates available will be automatically applied. Applications
      signed after August 18, 2014, and applications received after September 1, 2014,
      (regardless of signed date) will be processed with the new Protective Custom Choice UL
      (10-30) rates.

Metlife Reduces Term Rates

Please note that Metlife has announced significantly reduced term rates effective Monday, August 11th, 2014.

The reductions were made in the following areas:

1.     10, 15 and 20 year durations.

2.     Issue ages 18-64.

3.     All non-smoker risk classes.

4.     $250,000 of death benefit and above.

5.     All 50 states and DC.


All other product features, components and benefits remain unchanged.   

Click below for the full information.

Reduced Rate Facts  


Our quote engines are now updated so please call us for updated spreadsheets.


Genworth Conversion product changes

Genworth announced that they are removing their GENGUARD GUL product for conversion purposes.  They will offer a current assumption product ( the Life Ready UL II ) for all future conversions.

September 2nd will be the last date to submit conversions using the Genguard GUL. Applications must be received by end of business day Sept 2nd. 

Submit any Genworth conversions you have as soon as possible.  

Click here for more information.

ING introduces Orange Pass Non-Medical Underwriting for IUL Product

ING introduces "Orange Pass", a non-medical underwriting and fulfillment process for ING IUL-Protector applications.

  • No blood and urine*
  • No paramed*
  • Shorter Application

Click HERE for more information


* see ING sheet for more information

SBLI Summer Bonus Program

SBLI's cash for cases Bonus program.  You can earn $500 or MORE in cash- up to $1000 total per agent!

Click here for more information!  Start submitting SBLI cases today.

North American Announces Lower Term Rates

Effective June 10, 2014, North Americanbrings ADDvantage Term Product (Generation 7) with improved term rates for 10, 15, 20 and 30 year term plans.

Quote today!

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