Empire General, AIG, Jefferson Pilot, West Coast Life Insurance Company Updates from TMA

• Empire General discontinues Select Flex UL II and III
Empire General Life has discontinued sales for Select Flex II and III universal life products. Applications for Select Flex II and III signed prior to December 1 and received in the home office onor prior to December 9 will be accepted. This action has no impact on other Empire General UL products. Visit the Brokerage Services of Carolina, Inc website for the official announcement.

• New online annuity quotes from TMA's Annuity Center
TMA's Annuity Center now offers online quoting. Go to www.tmaannuity.com for SPIA quotes from American General, American National and Physicians, and deferred annuity quotes from Physicians. The quote section also provides application forms for American National and Physicians that are not available in the forms section. No log-in or password is required.

• AIG reminder to use quote request transmittals
Please remember to submit a completed quote transmittal form with all quote requests to AIG/American General to ensure the request is directed to the proper team.

• AIG discontinued rate class reconsiderations
AIG/American General discontinued rate class reconsiderations on pending business in June of 2003. Visit the Brokerage Services of Carolina, Inc website for their friendly reminder of this policy.

• Genworth requires signed illustrations for all UL products
To comply with the NAIC Illustration Model Regulation that so many states have adopted, Genworth Financial companies are requiring signed illustrations with applications for ALL fixed universal life insurance products, regardless of the state in which the policy will be delivered.

• Jefferson Pilot's OptiChoice annuities approved in CT, MD & SC
Jefferson Pilot's OptiChoice annuities are now available in Connecticut, Maryland and South Carolina. For complete product information, visit www.tmaannuity.com.

• West Coast Life's Lifetime Platinum 120LP approved in UT
West Coast Life's Lifetime Platinum 120LP universal life product is now available in Utah. For complete product details, visit the Brokerage Services of Carolina, Inc website.

• American General offers foreign travel coverage to Israel
Effective immediately, AIG/American General Life will provide insurance coverage to US citizens traveling to Israel if the following additional underriting criteria are met:
- $2.5 million maximum coverage with AIG/American General; subject to any other retention limits
- A $2.50 per thousand temporary flat extra coverage for five years will apply
- All underwriting classes available for coverage
- Products offered include: AGL Elite UL 2003, Platinum Provider Ultra 2003, AGL Elite Index UL 2004
- The Accidental Death Benefit Rider will not be available
- Regular underriting will otherwise apply
- Travel duration should not exceed two weeks for vacation or business purposes

• Lincoln Benefit's Savers Index annuity cap rates increase
Effective November 14, Lincoln Benefit Life's Savers Index annuity cap rates increased .50%. Visit the Brokerage Services of Carolina, Inc website for complete rate information.

• AIG state approvals
Visit the Brokerage Services of Carolina, Inc website for the state approvals from AIG as of November 10.

• Get the latest annuity rates and approvals
Visit the Brokerage Services of Carolina, Inc website for the most up-to-date annuity rates and approvals from TMA's Annuity Center.