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SBLI

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SBLI

SBLI (The Savings Bank Mutual Life Insurance Company of Massachusetts) is proud to announce that Greg Melton, assistant vice president of Product Marketing, served as chair of the American Diabetes Association’s (ADA) North Shore Tour de Cure and New England Classic Tour de Cure events. Now in its fifth year sponsoring these events, SBLI has taken its support a step further, demonstrating the company’s leadership in the business community and commitment to serving families.

“As someone who has lived with Type 1 diabetes for most of my life, I have great passion for this cause and the work of the ADA. To chair the Tour de Cure as part of the SBLI community is an honor and I am committed to raising awareness and funds for research through these efforts.” said Melton.

In addition to chairing the events, SBLI sponsors the Virtual Wellness Village and partners with the ADA to build community engagement through social media and provide informative content that motivates people to stay active and healthy—especially important during this unprecedented time. According to the ADA, one in 10 Americans has diabetes, and one in three has pre-diabetes. Every 21 seconds someone in the United States is diagnosed.

“We are thrilled to be partnering with SBLI on the Virtual Wellness Village,” said Susan Sarro, ADA New England executive director. “The funds we raise are critically important to the people we serve, so we are excited that technology and social media will allow us to continue to provide an event virtually for our strong community of supporters while keeping their health and safety at the forefront. This virtual event is another great example of how the ADA remains connected to the people of New England!

This year, to protect the people it serves, the North Shore and New England Classic Tour de Cure events were held virtually on Sunday, August 16th, allowing individuals and companies to ride, run or walk to continue to support the ADA and raise funds for lifesaving research, education, and advocacy.

The ADA will continue to prioritize the health and safety of participants, volunteers, sponsors, employees, community partners, and friends above all else. The Centers for Disease Control and Prevention (CDC) classifies those living with diabetes as at increased risk for severe illness from COVID-19. The organization will continue to monitor the spread of COVID-19, under the guidance of the CDC, the World Health Organization (WHO) and other health authorities, and will provide updates to the community.

For more information on the North Shore Tour de Cure or the New England Classic, go to www.diabetes.org/northshoretour or www.diabetes.org/newenglandclassic. For more information on event specifics, please contact Tim Wilson at 617-482-4580, ext. 3456 or [email protected].

For over 110 years, SBLI (The Savings Bank Mutual Life Insurance Company of Massachusetts) has specialized in providing hassle-free, affordable life insurance. Whether it be term life, whole life or a plan that combines the two, they offer dependable protection at a fair price.

Every day more than 4,000 people are newly diagnosed with diabetes in America. More than 122 million Americans have diabetes or prediabetes and are striving to manage their lives while living with the disease. The American Diabetes Association (ADA) is the nation’s leading voluntary health organization fighting to bend the curve on the diabetes epidemic and help people living with diabetes thrive. For nearly 80 years the ADA has been driving discovery and research to treat, manage and prevent diabetes, while working relentlessly for a cure. They help people with diabetes thrive by fighting for their rights and developing programs, advocacy and education designed to improve their quality of life. Diabetes has brought us together. What we do next will make us Connected for Life. To learn more or to get involved, visit diabetes.org or call 1-800-DIABETES (1-800-342-2383). Join the fight with us on Facebook (American Diabetes Association), Twitter (@AmDiabetesAssn) and Instagram (@AmDiabetesAssn).

Society of Financial Service Professionals

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Society of Financial Service Professionals

The Society of Financial Service Professionals, a multidisciplinary community of credentialed financial professionals, has elected its executive committee and three new board members for the 2020-2021 term.

Serving on the executive committee are President, Michael J. McGlothlin, CLU, ChFC, CFP, executive vice president at Ash Brokerage in Fort Wayne; President-Elect, Kathleen W. Bilderback, JD, LLM, AEP, a founding member of Affinity Law Group in St. Louis; Secretary, Ernest J. Guerriero, CLU, ChFC, CEBS, CPCU, CPC, CMS, AIF, RICP, CPFA, vice president of Marketing for Security Mutual Life Insurance Company of NY; and Immediate Past President, Robert B. Wellendorf, II, CLU, AEP, CAP, president of EXECSO, Inc.

FSP Past President and Nominating Committee Chair, Elvin D. Turner, JD, MBA, commented on the impressive credentials and exemplary leadership skills of the newly elected FSP Board.

The Society of FSP also elected three new members to its national board of directors, each of whom will serve a three-year term on the 14-member board. They are Troy D. Branch, JD, CLU, ChFC, of Ameritas Life Insurance Company in Lincoln, NE; Michele B. Collins, JD, of MassMutual Financial Group in Boston; and Kelly Dancy, JD, of Walny Legal Group in Milwaukee.

SFSP is a multidisciplinary community of credentialed financial professionals, a unique collaboration of investment advisors, attorneys, CPAs, insurance professionals, and experts across a variety of sectors. With a strong commitment to building relationships and expertise, FSP strives to empower its members to provide the highest level of client service possible. For more information, visit www.SocietyofFSP.org.

AllianzIM

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AllianzIM

Allianz Investment Management LLC (AllianzIM), a wholly owned subsidiary of Allianz Life Insurance Company of North America (Allianz Life®), recently introduced its new exchange-traded fund (ETF) product line with the launch of the AllianzIM U.S. Large Cap Buffer10 Apr ETF (NYSE Arca: AZAA) and the AllianzIM U.S. Large Cap Buffer20 Apr ETF (NYSE Arca: AZBA).

AllianzIM Buffered Outcome ETFs are designed to expand the risk management solutions available to investors as prevailing market dynamics and declining appetite for risk create new challenges. These ETFs are built to deliver outcome-based solutions to investors by utilizing buffers, caps and index-linked returns that may provide investors a greater degree of confidence.

AllianzIM Buffered Outcome ETFs will leverage AllianzIM’s core strengths, which include risk management experience and in-house hedging capabilities, managing over $145 billion in hedged assets and serving as a bridge between insurance and capital markets. Offering a new way to help investors seek to mitigate risk and reduce volatility, these new ETFs will complement Allianz Life’s suite of annuity and life insurance products.
“Our ETF offerings seek to provide a clearer path of return expectations by providing a level of downside protection over a defined time period,” said Brian Muench, president of AllianzIM. “The ability to remain invested in broad based equities while reducing downside risk in an ETF vehicle is creating strong interest from financial professionals.”
Now offering lower-cost buffered outcome ETFs, the AllianzIM ETFs seek to match the returns of the S&P 500 Price Return Index up to a stated Cap, while providing downside protection (through the Buffer) against the first 10 percent and 20 percent of S&P 500 Price Return Index losses for AZAA and AZBA, respectively.

“Allianz Life and AllianzIM have a long track record of risk management experience that is core to our businesses,” said Muench. “AllianzIM is uniquely equipped to manage outcome-based ETFs and help investors address their risk management needs.”
AllianzIM’s Buffered Outcome ETFs are offered at an expense ratio of 74 basis points, with portfolio management conducted in-house by AllianzIM. The initial outcome period of the ETFs will be June 1, 2020, to March 31, 2021; thereafter, subsequent outcome periods are expected to be 12-months with each outcome period reflecting a new stated cap commensurate with prevailing market conditions, allowing investors to remain invested with downside protection.

For more information on AllianzIM Buffered Outcome ETFs, please visit www.allianzIM.com.

Investors should consider the investment objectives, risks, charges and expenses carefully before investing. For a prospectus with this and other information about the Fund, please call 877.429.3837 or download and review the prospectus. Read the prospectus carefully before investing.

The Funds seek to deliver returns that match, at the end of a specified one-year period (outcome period) the returns of the S&P 500 Price Index up to a predetermined Cap, while limiting downside losses by the amount of a specified Buffer, before fees and expenses. There is no guarantee the funds will achieve their investment objectives. You may lose your entire investment, regardless of when you purchase shares, and even if you hold shares for an entire Outcome Period. The Fund may not be suitable for all investors.

The “S&P 500 Price Return Index” (“Index”) is a product of S&P Dow Jones Indices LLC or its affiliates (“SPDJI”) and Standard & Poor’s Financial Services LLC (“S&P”), and has been licensed for use by Allianz Investment Management LLC (“AllianzIM”). Standard & Poor’s®, S&P®, and S&P 500® are registered trademarks of S&P; Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”); and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by AllianzIM. AllianzIM U.S. Large Cap Buffer 10 Apr ETF and AllianzIM U.S. Large Cap Buffer 20 Apr ETF are not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, or their respective affiliates, and none of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of the Index.

Issued by Allianz Investment Management LLC. Distributed by Foreside Fund Services, LLC.

AllianzIM, a wholly owned subsidiary of Allianz Life Insurance Company of North America, is a registered investment adviser and represents the Minneapolis hub of the global Allianz Investment Management network established by Allianz SE. AllianzIM provides hedging and other derivatives-based risk management solutions through its proprietary platform.

Allianz Life Insurance Company of North America, one of the FORTUNE 100 Best Companies to Work For® and one of the Ethisphere World’s Most Ethical Companies in 2020, has been keeping its promises since 1896 by helping Americans achieve their retirement income and protection goals with a variety of annuity and life insurance products. In 2019, Allianz Life provided additional value to its policyholders via distributions of more than $10.4 billion. As a leading provider of fixed index annuities, Allianz Life is part of Allianz SE, a global leader in the financial services industry with over 147,000 employees in more than 70 countries. Allianz Life is a proud sponsor of Allianz Field in St. Paul, Minnesota, home of Major League Soccer’s Minnesota United.

Petersen International Underwriters

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Petersen International Underwriters

Petersen International Underwriters announces not one, but six employee anniversaries in September!

Lori Boggs, RVP based in Tampa, FL, celebrates her fourth year with PIU. Lori works with numerous producers mainly on the East Coast.

Katie Bonilla and Kim Crocker both celebrate their fifth anniversary at PIU. Both work at the home office in Valencia. Katie works in Billing and Kim in Underwriting.

Kelli Yacovone celebrates her 27th year at PIU. Kelli is the team leader of the Policy Issue department.

Terie Garcia has been with PIU for 35 years! Terie is a team leader in Underwriting.
Petersen International Underwriters congratulates each of these wonderful people and also thanks them for such marvelous service within the company and for the company’s customers!

Petersen International Underwriters is a Lloyd’s Coverholder specializing in excess and specialty disability insurance programs for individuals and businesses. In addition, Petersen International Underwriters offers international medical plans, special life coverages, accidental death programs and kidnap/ransom coverages. They are one of the largest writers of high limit disability insurance through Lloyd’s in North America. They can be contacted at (800) 345-8816 or [email protected].

Petersen International Underwriters, When Your Traditional Carrier Can’t…or Won’t!©

OneAmerica

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OneAmerica

OneAmerica® recently announced the hiring of Tim Bischof as senior vice president and chief actuary. Bischof, a 25-year industry veteran, began his role on June 15. As chief actuary, Bischof will oversee valuation, modeling, reinsurance and actuarial reporting, as well as provide pricing and experience oversight. Bischof will also partner to further develop the OneAmerica actuarial community.

“Tim brings a significant track record of success and superb life industry experience to augment our ongoing growth,” said OneAmerica Chief Financial Officer Andrew Michie. “He has a passion for talent development, and we anticipate his immediate influence as we navigate the new normal in 2020.”

Bischof has served in multiple roles at CNO Financial Group in Carmel since 2001, including senior vice president, Corporate Actuarial and Enterprise Risk Management, and head of Corporate Development. His responsibilities have included overseeing asset liability modeling, valuation, projections, model governance, reinsurance, risk analysis and governance, and actuarial programming. His previous experience also included work with Indianapolis Life Insurance Co./AmerUs and Cigna Corp.

“I am humbled to join a company with rich traditions and a solid financial foundation that serves their customers with a long-term performance perspective,” said Bischof. “I look forward to joining an outstanding actuarial team and contributing to the OneAmerica success story.”

Bischof is a Fellow of the Society of Actuaries and a member of the American Academy of Actuaries. He earned a master’s degree in statistics from the University of Iowa and a bachelor’s degree in mathematics and education from Rockhurst University.

David Brentlinger, a seasoned 18-year OneAmerica leader who has served as chief actuary/chief risk officer for the company, will continue in the chief risk officer role, while Bischof will assume the chief actuary duties. Both Bischof and Brentlinger will report to Michie.

A national provider in the insurance and financial services marketplace for more than 140 years, the companies of OneAmerica help customers build and protect their financial futures.

OneAmerica offers a variety of products and services to serve the financial needs of their policyholders and customers. These products include retirement plan products and recordkeeping services, individual life insurance, annuities, asset based long-term care solutions and employee benefit plan products.

Products are issued and underwritten by the companies of OneAmerica and distributed through a nationwide network of employees, agents, brokers and other sources that are committed to providing value to our customers. To learn more about products, services and the companies of OneAmerica, visit OneAmerica.com/companies.

OneAmerica

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OneAmerica

Engaged employee benefits brokers tell OneAmerica® in a new snapshot survey about the state of business during COVID-19 that “administrative and operational” assistance provided to policyholders is the key way for insurance carriers to be most supportive during the global pandemic.

Almost half (46 percent) of brokers who responded to the poll1 say this support—provided through answering policyholder questions and addressing billing inquiries and other concerns, such as evidence of insurability for formerly furloughed workers —is of most use to them. General check-ins by a sales representative to a broker—to talk about their health and well-being—finished in second with 30 percent.

“At OneAmerica, being broker-centric means we are always looking for ways to positively enhance the experiences brokers and their clients have with us,” said Jim McGovern, senior vice president for Employee Benefits, OneAmerica. “Broker-centric also means doing all the things that bring the highest value and, in this period of uncertainty, simply asking them what’s on their minds and what’s happening to their book of business is our way of upholding our commitment to them.”

The poll of 50 brokers nationally who do business with OneAmerica was conducted in early May and addressed an array of COVID-19 topics to examine the changing environment. Our surveyed brokers identified several ways to help accelerate business, including employee assistance programs.

The poll is particularly useful to brokers when coupled with other recent broker outlooks conducted by Eastbridge and LIMRA.

In general, brokers are concerned in this COVID-19 environment about reduced enrollment volume (71 percent), reduced employer interest in voluntary products (51 percent), reduced employee interest in voluntary (45 percent) and time constraints, according to an Eastbridge report.2

LIMRA3 worked with the Society of Actuaries and Oliver Wyman to conduct a series of short surveys on the COVID-19 pandemic and its potential effects on the insurance industry as the pandemic has resulted in social-distancing practices and volatile market conditions that have caused disruptions in many life insurance companies’ processes. In LIMRA’s survey, 91 percent of the companies rated distribution/social distancing as concerns, followed by pricing/new business profitability (89 percent), and in-force profitability (77 percent).

Other revealing data from the OneAmerica survey:

  • Increased Demand. More than 70 percent of brokers perceive employee assistance programs (EAP) as having the most demand, three times more than the next highest choice: short-term disability insurance.
  • Timing. Seventy percent of surveyed brokers cited expecting their clients to wait to purchase new products or renew, while close to 30 percent expect employers to either provide more employee-paid options or look for plan design changes to minimize costs.
  • Enrollment Solutions. The best enrollment solution chosen by surveyed brokers is having a benefits administration system at 60 percent and virtual enrollment meetings follow with 24 percent. Brokers indicated the most preferred way to position auto-enrollment is through success stories and testimonials, followed by economic data and statistics.

In response to broker’s wishes, OneAmerica continues to offer education opportunities live and on-demand through oneamerica.com/brokertraining to access training sessions. Outreach also includes work with sales representatives, who can provide personalized learning on topics like Family Medical Leave Act (FMLA), trends in short- and long-term disability, ethics and more.
“We’re stepping up, stepping in and going the extra mile, because brokers can’t afford to take their eye off the ball in regard to the very short sales cycle leading up to 1/1 enrollment,” McGovern said.

Life insurance is one of the most important types of insurance coverage available to support long-term financial security. Companies who offer voluntary group life insurance keep their own benefits costs low and give their employees a valuable, lower-cost life insurance option than the employees would find in the individual insurance marketplace.

Unlike medical or dental, voluntary benefits may be perceived in the marketplace as “nice to have” but not “must have” for those employees who feel they have a limited budget to spend on insurance.

“We see it differently—we see it as paycheck protection that supports the hopes and dreams of individuals and families,” said McGovern. “So do our brokers. And brokers want to always know who to call when they or their clients need help navigating any challenges or answering any questions. Fortunately, at OneAmerica, our one-on-one model with local field liaisons enables better communication, promotes quicker problem resolution and builds confidence with our clients.”

OneAmerica offers employer-paid and voluntary term life insurance (where the employee pays for the life insurance benefit but receives a group rate).

OneAmerica® is the marketing name for the companies of OneAmerica. Insurance products issued and underwritten through American United Life Insurance Company® (AUL), a OneAmerica company.

Find some of our best stories at oneamerica.com/annualreport or contact your sales representative for the most recent stories

A national provider of insurance and financial services for more than 140 years, the companies of OneAmerica help customers build and protect their financial futures. OneAmerica offers a variety of products and services to serve the financial needs of its policyholders and customers. These products include retirement plan products and recordkeeping services, individual life insurance, annuities, asset-based long term care solutions and employee benefit plan products. Products are issued and underwritten by the companies of OneAmerica and distributed through a nationwide network of employees, agents, brokers and other sources who are committed to providing value to our customers. To learn more about our products, services and the companies of OneAmerica, visit oneamerica.com/about-us/companies-of-oneamerica.
OneAmerica® is the marketing name for the companies of OneAmerica. Products issued and underwritten by American United Life Insurance Company® (AUL), Indianapolis, IN, a OneAmerica company.

Reference:

  1. The nine-question poll of 50 brokers, all regions of the U.S., who do business with OneAmerica was conducted in early May 2020.
  2. Eastbridge Frontline Report as featured in BenefitsPRO article, “COVID-19 expected to impact voluntary.” Accessed here: https://bit.ly/Eastbridge_COVID19poll.
  3. “Survey: Insurance Companies Making Changes to New Business in Light of COVID-19,” May 2020. Accessed here: https://bit.ly/LIMRA_COVID19poll.

The Leaders Group

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The Leaders Group

Family-owned independent broker-dealer The Leaders Group, Inc., surpassed 1000 registered representatives in 2020. Founded in 1994 by Dave Wickersham, The Leaders Group has grown steadily and enjoyed more than 25 years in a constantly evolving and volatile market.

“We didn’t start The Leaders Group to be a large firm” said Wickersham, “But we have always strived to do the right thing. And as a result, we have grown.”

As the number one distributor broker-dealer in the world for variable life insurance, The Leaders Group maintains a foothold in the industry and ranks fifth in overall insurance revenue in InvestmentNews’ latest annual independent broker-dealer survey. The Leaders Group is also in the top 20 of InvestmentNews’ broker-dealers ranked by pre-tax earnings. Data is collected from firms that participated in the InvestmentNews 2019 IBD surveys.

“Back in early 2012, we launched our Road to 1000 initiative, setting what we thought was a nearly unattainable goal of more than doubling the number of affiliated financial professionals,” said Sean Wickersham, president and CMO. “While the strategies and marketing may have changed along the way, I am thrilled that with the hard work of our team and a dedication to ‘doing the right thing,’ we have arrived at this important milestone.”

The Leaders Group has been the preferred broker-dealer for life insurance producers and retail representatives and has also been a leading broker-dealer for private placement insurance and life settlement solutions. The Leaders Group is one of the nation’s only broker-dealers specializing in wholesale brokerage business. With nearly 200 general agents and wholesale organizations, the firm is committed to helping distribute securities and insurance products through BGAs.

“The Leaders Group has evolved into a large firm with a small firm feel,” says Jane Riley, chief compliance officer. “I am so proud that our staff treats every representative like a person, not a number. Every person associated with us is a valued financial professional that has contributed to our success.”

The overarching motto “Doing the right thing is always the right thing” guides The Leaders Group’s business operations and decision making. The firm looks to continue thriving as a result of their unique understanding of the industry and flexible accommodation of almost any business model or situation.

For more information about The Leaders Group visit www.leadersgroup.net.

Mutual of Omaha

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Mutual of Omaha

As self-funded benefits continue to grow in popularity within the insurance industry, Mutual of Omaha has enhanced its Administrative Service Only (ASO) plan offering, available to the employee benefit market.

ASO plans are full-service arrangements where the insurer performs administrative services for the employer, such as issuing claim checks, handling appeals and calculating benefits while the employer group funds the plan and maintains an active role in the plan’s effectiveness.

“Enhancements to our ASO offering provide our customers a more streamlined experience, flexible banking options and improved communications to our customers on banking and claims status,” said Scott Ault, executive vice president, Workplace Solutions, at Mutual of Omaha. “These enhancements are another example of our ongoing commitment to our customers.”

With Mutual of Omaha’s enhanced ASO plan, employers can select the following services:

  • Benefit calculations
  • Benefit payment checks for employees
  • Certificate booklets to employees
  • Standard reporting through Employer Access, Mutual of Omaha’s secure benefits administration portal
  • Appeals handling and fiduciary responsibility for claims (for Short Term Leave only)
  • Tax reporting
  • Flexible banking

These enhancements are available for groups with an August 1 effective date or after. Contact your Mutual of Omaha representative for more information.

Founded in 1909, Mutual of Omaha is a highly-rated, Fortune 500 organization offering a variety of insurance and financial products for individuals, businesses and groups throughout the United States. As a mutual company, Mutual of Omaha is owned by its policyholders and committed to providing outstanding service to its customers. For more information about Mutual of Omaha, visit www.mutualofomaha.com.

Thau Joins USA-BGA

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Thau Joins USA-BGA

Don Levin, president and CEO recently reported, “USA-BGA is proud to announce that industry giant Claude Thau has joined the organization as the National Brokerage Director. Claude has long been a very visible and contributing member of the long term care insurance industry. His knowledge of the industry coupled with his desire to continue to serve the financial professionals of our industry as well as the general public makes him a very welcome addition to our team. I have every expectation that Claude will continue to be a great resource to all those we support.”

In addition to his responsibilities with USA-BGA, Levin is chairman of the National Long-Term Care Network, a 25-agency producers’ group which has sold 600,000+ LTCI policies ($1 billion+ premium). He is a recovered attorney at law, retired Army officer, has over twenty years in the LTCI industry and has been recognized by GAMA International as a First in Class recipient.

Mike Rodman, the chairman of USA-BGA, added, “My first exposure to Claude Thau was over 20 years ago and since then I have actively followed Claude’s industry contributions and leadership on a regular basis. I cannot describe how happy I am that Claude has chosen to join USA-BGA at this critical time in our industry and at our agency. I am quite certain that any insurance or financial services professional will benefit greatly from the wisdom and service commitment that Claude brings to USA-BGA. Claude’s desire to find the ‘right solution’ for families as well as the advisor community is second to none and I am proud he has chosen to join USA-BGA.”

Thau commented “It’s exciting to join Mike Rodman and Don Levin. Their entrepreneurial spirits rejuvenate me and attract other top performers! With USA-BGA, I have valuable flexibility to serve financial advisor clients quickly and with unique marketing materials customized to their opportunity. USA-BGA’s powerful alliances with outstanding experts enable me to serve advisors more broadly than just long term care solutions. Likewise, I’m honored that USA-BGA plans to leverage my skill set for maximum impact across its system.”

Thau is well-known to Broker World readers from authoring the annual LTCI surveys since 2005. His career highlights include being a former inner-city school teacher and actuary, running a national carrier’s LTCI division, consulting for the Federal government when it developed its LTCI program and being named by Senior Market Advisor as one of 10 honorees on its “Long-Term Care Insurance Power List” in 2007.

Mutual of Omaha

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Mutual of Omaha

Mutual of Omaha is now offering online will preparation services through Epoq, Inc.
Employers who have group life insurance coverage with United of Omaha Life Insurance or Companion Life Insurance can now offer these free online services to their employees with basic life insurance and/or voluntary term life insurance coverage, as well as their legal spouse and adult children under age 26.

Will Preparation Services, powered by Epoq, Inc., includes the following services: Last Will and Testament; Power of Attorney; Healthcare Directive; and, Living Trust.

“Forward thinking insurers are seeking ways to engage more with policyholders, so we’re delighted our technology and services are now extending the experience and value Mutual of Omaha brings their customers,” said Grahame Cohen, CEO of Epoq N. America.

Contact your Mutual of Omaha representative for more information.

Founded in 1909, Mutual of Omaha is a highly-rated, Fortune 500 organization offering a variety of insurance and financial products for individuals, businesses and groups throughout the United States. As a mutual company, Mutual of Omaha is owned by its policyholders and committed to providing outstanding service to its customers. For more information about Mutual of Omaha, visit www.mutualofomaha.com.

Formed in 1994, Epoq works with insurers and financial institutions to help them innovate, differentiate and give greater value to their customers. The company achieves this by offering pioneering online legal and regulatory document preparation services as an enhancement to its client’s services. With offices in Massachusetts and in London, England, Epoq is respected globally and provides its unique services to over 60 major brands. For more information about Epoq, visit www.epoqtech.com.

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