Newsletter Sept 14, 2016

• Signature Guaranteed UL: A Powerful Combination
  Your clients shouldn’t have to sacrifice features or guarantees for price. With Signature Guaranteed UL, they don’t have to.
  • September 14^th at 1:00 PM CT – Register here.
  • September 15^th at 1:00 PM CT – Register here.

• Discover Proven Ways to Find Annuity Prospects
  • October 5^th at 3:00 PM CT – Register here.

• LTC Captivate 2.0 webinars
  This webinar is designed to familiarize you with everything you need to know about LTC Captivate 2.0, John Hancock’s online LTC insurance application. This hour-long live demonstration will get you up to speed in no time.
  • September 21^st at 1:00 PM CT – Register here.
  • October 5^th at 10:00 AM CT – Register here.
  • October 12^th at 1:00 PM CT – Register here.

• CareShield: A New Solution for Chronic Illness Coverage
  • September 22^nd at 1:00 PM CT – Register here.

• IncomeChoice 7 Fixed Index Annuity
  Featured Topic: Discover what producers are talking about with this innovative 7 year product. Competitive rates and top-tier income with NO ADDITIONAL RIDER FEE!
  • September 20^th at 3:00 PM CT – Register here.
• Performance Choice Fixed Index Annuity Series
  Featured Topic: Learn how this series can offer competitive Accumulation as well as an optional guaranteed lifetime withdrawal benefit rider.
  • September 28^th at 3:00 PM CT – Register here.

• Learn about the Quest Series of Annuities
  • This webinar is held every Monday and Wednesday at 2:00 PM CT.  Click here to register for a date that works best for you!
• Learn about the Wealth Builder Series of Annuities
  • This webinar is held every Tuesday at 1:00 PM CT.  Click here to register for a date that works best for you!

Help your agents take full advantage of all the resources that feature the 2016 LIAM spokesperson – race car driver Danica Patrick. Have them watch!

Your agents can use these and all of the LIAM resources that Life Happens has created, available at www.lifehappens.org/liam.

Did your agents miss the LIAM webinar?

They can watch here to learn about all of the resources Life Happens has created for LIAM and how to incorporate them into their LIAM plans.

• An entire micro-site full of LIAM materials – Go now.

• LIAM campaign
  Help your agents prospect for new clients with the “3 things you may not know about life insurance” series. Check out the video and flyer that talk to prospects about protecting more than their income with life insurance.  See the flyer.  Watch the video “Who needs Life Insurance?” There is also an alternate version of the flyer ready to be customized with your agents contact information and could be shared via email or postal mail, whichever they prefer.

• New marketing materials for LIAM – Get them now.

• Danica’s Personal Story
  Danica Patrick shares her personal story about how the lack of life insurance impacted her life. Remind your agents to take advantage of the Life Foundation’s educational campaign during theirr LIAM promotions and have them reach out to clients using this LIAM postcard. Also, use this Life Insurance for Living for you to illustrate the many ways life insurance can protect people.

• 7 lessons on success from Hollywood A-lister Will Smith
  “Never let success go to your head, and never let failures go to your heart,” says the entertainer, who recently spoke at an advisors conference. Read more.
• Case study: How I got a 364 percent ROI on Snapchat
  A new Snapchat feature allows you to design creative and effective marketing campaigns with minimal investment. Read more.
• Asian-Americans: an essential life insurance marketing demographic
  As this population grows, so does its buying power: up a whopping 180 percent from 2010 to 2014. Read more.
• Spouses are hiding their retirement savings from each other
  Saying “I do” does not necessarily mean “I’ll disclose” for many American couples. Read more.
• 5 ways Genworth wants to reboot LTCI
  Genworth Financial’s Thomas McInerney insists that private insurers can ease the burden on Medicaid. Read more.

• Organizational changes within Sales & Marketing – Read the bulletin.

• Disaster Relief Notices for IN, LA & MD – Get details.

• Two new GUL sales ideas – engage with ROP
  If your clients’ needs change or they no longer need coverage, the new built-in return of premium feature (Enhanced Surrender Value Rider) provides two options for surrendering the policy and recouping paid premiums: 50% at year 20 or 100% at year 25. Here are 2 multiple policy solutions for clients that seek flexibility in their life insurance planning needs.
  • High Net Worth Scenario – $10M
  • Everyman Scenario – $2M
• New tool to help you sell IUL
  Get everything you need to begin the conversation about the importance of tax diversification and the power an IUL has on your clients portfolio. The informative and interactive “Life To The Max” sales tool includes explanations of complex scenarios in layman’s terms and provides easy to understand charts. Plus it is fully scripted if you need it! One click and you are in.  No user ID or password required. No reason not to try – it works on any internet enabled device.

• Free underwriting upgrade
  This fall, eligible standard or preferred single-life applicants will receive an automatic risk class upgrade from Global Atlantic. Learn more.

• New, lower term rates – Get details.

• TermAccel – reminder
  Lincoln TermAccel provides low cost term rates for those under age 50 purchasing 500,000 or less of death benefit. It is possible for these clients to have lab free underwriting besed on the results of the telephone application. Please do not order labs or exams for TermAccel sales.
• Lincoln Leader for Life – September 6^th edition
  In this issue:
  • Lincoln’s Term Conversion
  • Product Options for New Business

• The Top 3 questions from the Life Insurance Live webinar
  
  • What are the eligibility requirements for Enhanced Rate Plus?
  • How does the compensation compare to other life insurance products?
  • Does the product only operate with a single-premium, or could it be designed as a non-MEC?
  • Get answers by watching the REPLAY.

• CareShield: A New Solution for Chronic Illness Coverage – launching September 20^th
  CareShield is Minnesota Life’s newest product; providing both a simplified option for guaranteed premium life insurance protection and a solution for your clients’ future care needs. By combining a universal life insurance policy with built-in living benefits, clients may:
  • Provide a tax-free death benefit to loved ones upon their death.
  • Receive living benefits for chronic and terminal illness.
  • Receive a premium refund if they elect to discontinue coverage after a specified number of years.
  • Learn more!

• Protection + Growth + Flexibility = IUL
  Many people interested in life insurance protection also want the potential to grow-tax-deferred cash values they can access later for things like retirement, college tuition or emergencies. Learn how Income Advantage IUL can help.
• New features added to Life Insurance for Living Mobile App – Learn more.

• Preferred Criteria Enhancements
  • Significant changes to cholesterol guidelines for all ages
  • Blood pressure criteria is now using a simpler approach and treatment is now allowed for the Super Preferred category
  • Some past cancers are now eligible for Preferred classification
  • Up to 24 Cigars a year are now accepted for a Preferred classification
  • Download the updated Underwriting Guidelines.
• You never know what the future will bring – good, bad, or in-between
  When presenting Indexed Universal Life insurance to a client, the death benefit protection is usually easily understood. Yet, there’s a “what if” scenario that will likely cross their mind – what if the index doesn’t perform as expected? That’s why North American provides the Minimum Account Value feature on its Indexed Universal Life insurance products. The Minimum Account Value delivers a guaranteed 3% average annual interest rate. See how it works.
• Important product changes – effective October 8^th – Get details.

• Lower rates for Protective Custom Choice UL – Learn more.

• How to start the “Add More Life” conversation with clients
  Clients are worried about the income they’ll have in retirement. There are many risks that could take them off course – Taxes, Healthcare expenses, Outliving retirement savings, Volatile markets, Low interest rates. Life insurance is the only product that can address all five risks. To help your agents start meaningful, actionable discussions with their clients, Prudential has delivered the compelling tools they need and put them right at their fingertips in this Retirement Derailers eKit.

• Survivorship Return of Premium (SROP) Rider – NEW! – Learn more.
• Illustrate UL-G and SUL-G’s ROP riders and win Powerbeats3 Wireless Earphones!
  Symetra’s UL-G with ROP and SUL-G with SROP offer lower premiums, longer windows, higher caps and advance policyowner notifications. Be among the top 20 case designers who run the most ROP and SROP illustrations through WinFlex Web between September 1, 2016 and October 31, 2016 and win a set of Powerbeats3 Wireless Earphones. Get details.

• Policy Change Processing Updates – Get details.

• Could income annuities be the right choice for your clients?
  There are risks associated with retirement planning. Help clients account for those elements by offering an American Pathway Immediate Annuity or an American Pathway Deferred Income Annuity to address concerns, like:
  • Withdrawal rate risk: withdrawing too much from retirement savings and running out of money during their lifetime
  • Longevity risk: outliving their money
  • Sequence-of-return risk: receiving lower or negative returns early in retirement

• Why SPIA? 8.29% Cash Flow! – Learn more.

• Locking in gains
  With an Athene fixed and indexed annuity, clients can grow their money when markets are up – and lock in gains when they decline.Learn more.

• Indexed rates decreasing – effective September 15^th – View them now.
• New Stages & Strategies flyer to use with your clients
  Your agents can use this new Life Stages one-pager with clients to map all the strategies that may help them.
• Indextra GMAV – your clients can count on the guarantees
  Uncertain times call for certain guarantees. Indextra’s Guaranteed Minimum Account Value helps assure clients their premium will grow over the withdrawal charge period. Your agents can use this client one-pager to make their case.

• Deferred Income Protector
  The September Deferred Income Protector payout comparisons show that Mutual of Omaha continues to offer some of the best payouts in the industry. Learn more about their Deferred Income Protector.

• Looking for a SIMPLE fixed index annuity choice?
  The Performance Choice fixed index annuity series is one of North American’s top accumulation potential annuities. Download their Top 5 Benefits flyer to see for yourself.

• Care Solutions Interest Rate Notice – View it now.

• DOL 360
  Voya has created a DOL360 page to help you prepare for the fiduciary rule.

• In-Force Rate Action announcement
  • South Carolina – Privileged Choice and Classic Select
• Restricted compensation for LTC Insurance – View the reminder.

• Making it easier than ever to obtain an LTC Underwriting Quick Quote
  A new toll-free number, in addition to email, is now available to obtain an LTC Quick Quote. Get complete information.

• Grow your LTCi sales – Learn why Mutual of Omaha is the right choice.

• Tips for Selling DI: Young Couples
  Start the conversation about disability income insurance with young couples who have bought a home or are starting a family. It’s the best time for them to build a foundation of financial protection. See the sales idea.

• 2016 Med Supp Fall Surge
  Your busiest time of the year falls during the annual Medicare open enrollment period. Rest assured, your Mutual of Omaha crew is on the set ready to make you feel every bit the star you are. In fact, this is the first in a series of messages with tools and tips to help you quote, submit and monitor your Med supp business. Let’s start with the basics. Keep these contacts handy for phone numbers, application access, mailing addresses and websites you need every day.
• One company for one state: PA, TN & TX – effective October 1^st – Learn more.
• Rate adjustments for CO, ID, KS & OR – Learn more.

2017 Marketing Conference in Los Cabos, Mexico
May 7-11, 2017

(Qualification period: January 1 – December 31, 2016)

Get complete details.

 iPad Pro Contest

(Qualification period: September 1 – December 31, 2016)

Qualify for as few as 9 life sales.  (Only policies sold through ExpertApp are eligible.)

Get complete rules and details.

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Leaders of Olympus in Prague

(Qualification period: January 1 – December 31, 2016)
Get details.

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Perfomance LTC 2016 Producer Bonus Program

(Qualification period: March 1 – December 31, 2016)  
Earn an additional 10% Bonus by selling

John Hancock’s Performance LTC product within the qualification period.

Get complete details.

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2016 EPIC Reward – Elite Producer Club

(Qualification period: January 1 – December 31, 2016)

Receive a 1% commission bonus on your annuity business this year.

Learn how.

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2017 Independent Leaders Conference 

June 4-8, 2017 

(Qualification period: January 1 – December 31, 2016)

Discover the Ritz-Carlton, Grand Cayman, a luxury resort in the Cayman Islands where sparkling turquoise waters blend seamlessly with the cerulean sky to create your perfect Caribbean oasis. Learn more about the luxury that awaits you.

View the brochure. Get qualification details.

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Illustrate UL-G and SUL-G’s ROP riders and win Powerbeats3 Wireless Earphones! 

Symetra’s UL-G with ROP and SUL-G with SROP offer lower premiums, longer windows, higher caps and advance policyowner notifications. Be among the top 20 case designers who run the most ROP and SROP illustrations through WinFlex Web between September 1, 2016 and October 31, 2016 and win a set of Powerbeats3 Wireless Earphones.
Get details.