Newsletter April 13, 2016

• American Pathway SolutionsMYG annuity
  Learn about the features and options available.
  • April 13^th at 1:00 PM CT – Register here.
• Power Protector Index Series
  Learn about volatility control, the income rider option and get a products overview.
  • April 20^th at 1:00 PM CT – Register here.
• ML Strategic Balanced Index
  Learn more about the upside potential of an ML Strategic Balanced Index; including volatility control and dynamic allocation.
  • April 27^th at 1:00 PM CT – Register here.

• Performance Elite FIA’s and Athene MYG
  Get details.
  • April 14^th at 10:00 AM CT – Register here.
• Ascent Pro FIA’s and Athene MYG
  Get details.
  • April 14^th at 2:00 PM CT – Register here.

• Understanding Underwriting Diabetes
  Diabetes can have an impact on underwriting. It is a leading cause of end stage kidney disease, leg amputations, and blindness.  Join this webinar to learn how to quickly determine if Prudential is right for your clients, make informed recommendations to them and increase underwriting speed.
  • April 26^th at 1:00 PM CT – Register here.

9 Social Security myths worth busting
Taking Social Security benefits early may not be the best plan.

How the final DOL fiduciary rule will impact advisors
In a departure from the earlier draft, the finalized fiduciary rule does provide some relief for retirement plan advisors.

Annuities’ alphabet soup: choosing the best option
There’s a multitude of terms to digest when it comes to annuities.

Read the carrier messages regarding the DOL Final Fiduciary Rule

Message from Securian

Message from North American

Message from Voya Financial

• Save on your next list order
  USADATA is running a special promotion on list orders for sales professionals contracted with Mutual of Omaha until May 10, 2016. Get details.

• Changes to underwriting Coronary Artery Disease (CAD)
  This means you may begin seeing more competitive offers on clients with mild to moderate CAD histories. Learn more.
• New sales tool
  Combine Secure Lifetime GUL 3 with Asset Protector riders, Lifestyle Income Solution and Accelerated Access Solution, to turn life insurance into an asset. Teach your agents using this napkin tool.

• The new ExpertIllustrator is now available – Try it now!

• The Term 20 product is climbing the charts! – View a comparison.
• Clients could save $600 a year by eating healthy – Learn more.

• Help your agents determine if 25-Year Term is right for their clients. – Have them download this consumer-approved flyer.

• The Lincoln Leader for Life – April 4^th edition – View it now.

• Underwriting Spotlight on Anxiety – Get it now.

• Upcoming indexed account cap changes – Get details.

• Mobile Quotes for GULE – coming April 22^nd – Learn more.
• Term Life Answers – Find out how you and your clients can benefit from it.
• The Stay Bonus: A Unique Twist on Key Person Life Insurance – Learn more.

• Guarantee Builder IUL is now even better
  Guarantee Builder Indexed Universal Life is a great product for Annuity Max, Client Review, Estate Planning, Legacy Building and Pension Max. Check out the Sales Concepts kits!

• Why you should illustrate IUL using practical rates – View the comparison now.

• Pru Life Illustrator updates
  Updates include Carry Over Inputs, a BenefitAccess Rider Report, and an alternate way to run LIRP illustrations. Learn more.
• Express Illustrations on Inforce Online Illustrator
  Beginning April 18, 2016, it will be much easier for you to create the most commonly used inforce illustrations with the introduction of the “Inforce Express” Option on the Inforce Online Illustration system.
• Underwriting enhancements for Barrett’s Esophagus & Pulmonary Embolism – View now.

• TransNavigator IUL illustrations are now available
  Inforce Illustrations for the TransNavigator IUL product are now available by going to TransACT, clicking on the Inforce tab and then clicking on Illustrations.
• New Maximum Illustrated Rates for TransNavigator – Get details.
• Updated Trial Application Submission Guidelines – effective May 1^st
  Trial applications will require a minimum face amount of $1 million for UL products; a minimum face amount of $2.5 million for term products; or, a minimum annual premium of $15,000 for any product. Trial applications must be submitted as a single package. Any additional records provided after the initial submission will not be reviewed until a formal application is received. View the updated Trial Application Guidelines.
• Updated Rapid Review Guidelines – effective May 1^st
  Rapid Reviews must be limited to 15 lines, or 200 words, or fewer. As a reminder, Transamerica is a participating carrier on XRAE for immediate underwriting results.
• International Underwriting
  The auto-issue limits (retention plus auto-bind) have been raised recently using a new international auto pool. Foreign nationals residing in certain eligible “A” countries may now qualify for up to $30 million in coverage, while eligible “B” countries may qualify for up to $25 million and eligible “C” countries up to $10 million. This applies to both permanent and term products. For more information, view the updated Underwriting Chart, Non-Resident Underwriting Guidelines, or the bulletin.

• American Pathway Flex Fixed 8 Annuity to be discontinued – effective May 1^st
  Deposits to existing policies will continue to be accepted. Read the bulletin.
• Annuity rates – effective April 11^th – View them now.
• Help clients understand fixed annuities in five letters: S-T-Y-L-E – Download the flyer.

• Palladium Single Premium Immediate Annuity – Learn what’s so great about it.

• The Income Pay Plus Rider is now available in Florida – Learn more.
• Charter Plus Fixed Index Annuity is now available in NH – Get details.
• New FIA and GLWB state approvals
  • Charter Plus II Fixed Index Annuity and Income Pay Plus Optional Guaranteed Lifetime Withdrawal Benefit Rider are now available in AK, MN, OR and WA. Read the bulletin.
  • Charter Plus II Fixed Index Annuity and Income Pay Plus Optional Guaranteed Lifetime Withdrawal Benefit Rider are now available in MO, UT and VA. Read the bulletin.

• In-Force Rate Action announcements
  • California Partnership – Online and “point-of-call” quoting for high limit residential care now available
  • Connecticut
  • DC
  • Mississippi
  • North Dakota
  • Oklahoma
  • Texas

• Long-Term Care Insurance:  An Industry in Transition”
  This brochure takes an objective look at the factors that have created challenges for the LTC industry. It also provides an overview of what John Hancock has learned and how these insights have influenced the design of their Performance LTC product.
• Applying for Long Term Care Insurance
  • Customers applying for a John Hancock long-term care insurance policy are no longer required to provide a blood and urine sample. Learn more.
  • The LTC Field Underwriting Guide has been updated.
  • Download the How to Prepare for the Long-Term Care Insurance Paramedical Exam flyer for clients. (Here are the New York and Florida versions.)
• Take a closer look at the Performance LTC investment strategy
  John Hancock’s Performance LTC policy is supported by a unique investment strategy designed to diversify risk and enhance the long-term yield. This flyer provides an overview of the investment approach that includes a broad array of fixed income and alternative long-duration assets.
• Understanding the LTC Claims experience
  This flyer educates your producers about John Hancock LTC’s claims experience; such as claims paying history, demographics, most common care settings, and top reasons people need long-term care.

• What do people think about long-term care insurance? Find out.

• Important changes  to TransCare II – Get details.

·         Upcoming rate adjustments – Get details.

·         New York Rate Filing Notice – Read the bulletin.

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

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

 
Get complete 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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Disability Insurance Growth Challenge

(Qualification period: January 1 – June 30, 2016)

Get rewarded for increasing your business in the first 6 months of 2016 in comparison to your business in the first 6 months of 2015.

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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Fast Cases/Fast Money Bonus Program

(Qualification period: March 1 – May 31, 2016)

Earn $500 or more in American Express gift cards – up to $5,000 total per agent! For every five term or whole life policies submitted through SBLI’s ZipApp drop ticket with an annual premium of $500 or more between March 1st and May 31st (and paid for by July 22nd), agents will earn $500 in Amex cards. Submitting five additional policies which meet these criteria will earn you another $500!
Get details.