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Deferred Dividends

A defined time period is reached and dividends become payable to a policyholder.








Insurance Industry News from ProgramBusiness.com

Thompson Agency of New EnglandWelcome to our new storefront, the Thompson Agency of New England http://www.programbusiness.com/tracking/sftracker.asp?SFid=229.

THE THOMPSON AGENCY of New England is a brokerage general agency serving New England's independent agents, and specializing in Impaired Risk (E&S) Life insurance, Term Life, Long Term Care, Individual Health (CT&NH), Medigap, Short Term Medical, and International & Travelers Medical Insurance.
Multiple, quality carriers and close working relationships with underwriters, are indispensable to shepherding your E&S life case through the channels, and getting amazing results. And with a full-time Medical Director and two seasoned underwriters on our team your tough case is in good hands. We do tough cases every day! Think of us as your back room for:
Individual Life Insurance Long Term Care Insurance Individual Health Insurance Medicare Supplement Insurance Short Term Medical Insurance International & Travelers Medical Insurance E&S [Substandard or Impaired-Risk] Life Insurance
In the course of your daily business you counsel clients and seek solutions on a variety of important potential liability issues. We'll bet you have a business owner on your books for whom it would be difficult to get life insurance coverage to fund a buy-sell agreement or protect his or her family. We see it all the time. He or she may even have been declined for life insurance and may have given up trying to get it. Not so fast! There have been amazing strides in impaired risk life insurance underwriting and with our resources and case-guidance many of those former declines may have a shot at affordable solutions today.

Lifetime-Guarantee Universal Life
Universal Life Insurance has been a staple for independent agent distribution, but has suffered the concern of unpredictability. That has changed. Many carriers now offer lifetime guarantees with Universal Life, which prevent lapse at a designated premium. UL flexibility remains intact, however, facilitating its use in many impaired risk situations.
The Thompson Agency of New England has a number of alternative quality carriers to consider for this product type.

Competitive Term Life Insurance
The Thompson Agency of New England represents the industry's largest, strongest and most respected life carriers. Term Life Insurance rates are extremely competitive today. Feel free to click into our Term Comparison software below, enter your data, and in a few brief moments you'll have a printable spreadsheet of the 8 top rates along with the financial ratings of the companies.

Long Term Care Insurance
The Celebrated Baby-Boomers have reshaped and redefined American economic life at every step, but their ascending demographic hegemony and incipient retirements will inspire the mother of all economic tidal waves with ripples reaching out two generations and beyond. Many boomers, themselves, will benefit economically by counseling their peers in preparation for active aging, longer lives in retirement, and the ensuing inevitability of illnesses and disabilities leading to long term care.

The Thompson Agency's Long Term Care Insurance Division is poised to help you meet the needs of this growing constituency. You have many prime candidates for Long Term Care Insurance in your files and on your books. We'd like to help you reach these people and open the dialogue on LTCi before another agent does.

Individual Health Insurance (CT & NH)
The Thompson Agency of New England has active and lively markets for individual Major Medical insurance in the small-business dominated states of Connecticu
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