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Newsletter February 22, 2017

by | Feb 23, 2017 | Newsletter

February 22, 2017

UPCOMING WEBINARS

 

  • Safe Harbor 401(k) Plans
    What is a Safe Harbor plan and how does it differ from a regular 401(k) plan? Who are your prospects and what do you say to get their attention? Why is it such a popular plan for the small business?

  • Learn how eSignature Eases Electronic App Submissions
    eSignature is available on most of Integrity’s fixed, indexed and immediate annuity electronic apps. Spend a short 30 minutes to see how this technology can reduce errors and fill out all required documents with a click of a few buttons!

  • PUL & LifeTrack: Keeping Your Insurance Plans On Their Intended Path
    • February 22nd at 1:00 PM CT – Join the meeting here.
      Meeting #: 631 422 962  PW: TMA123
      Dial-in #: 866-518-0783  Passcode: 185874
  • Introducing Orion IUL – COMING SOON!
    A flexible death benefit is just one of the great features. Attend one of the upcoming webinars to learn even more!  Attend one of the webinars below to learn even more.

 

  • 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 2:00 PM CT.  Click here to register for a date that works best for you!

 

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SALES, MARKETING & INDUSTRY ARTICLES

 

 

  • Life insurance challenges posed by marijuana and e-cigarettes
    Life insurance carriers continue to discuss and evaluate the manner in which marijuana and e-cigarettes are addressed. Read more.
  • Starting relationships in a changing world
    Better Prospecting! Advisors have an opportunity to fill the coverage gaps created by Social Security, Medicare and Medicaid. Read more.
  • 7 ways to get even more referrals
    Use these steps to get some very important people to contribute to your business. Read more.
  • How to sell more cash value life insurance
    Many agents and advisors who are trying to sell cash value life insurance don’t really understand all of its benefits. Read more.

 

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CARRIER NEWS

 

 

 

  • Lockbox addresses for Life & A&H applications and initial premiums
    Effective March 1, 2017, AIG is implementing a lockbox system for New Business submissions for Life and A&H products. This means faster, more efficient, and more secure handling of your case submissions. Get details.

 

 

 

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LIFE INSURANCE

 

 

 

  • Coverage Continuation Rider to be WITHDRAWN – effective February 28th
    The Coverage Continuation Rider will no longer be available for new sales of ANICO Executive UL SI. Important deadlines are:

    • February 28, 2017 is the last date an application can be written for an Executive UL SI policy with the Coverage Continuation Rider.
    • March 10, 2017 is the last date an application can be received in the home office in order to retain the Executive UL SI with the Coverage Continuation Rider.

 

 

  • Lincoln Leader for Life – February 13th edition
    In this issue:

    • IT’S HERE! Credit and debit card payments for initial premium on all Lincoln term products (not available yet in NY, NJ, MD or AK)
    • Term process enhancements – no more voided checks!
    • New! Temporary Insurance Agreement coverage and payment options for Tele-App cases

 

 

 

 

  • Offer IUL products that are built for REAL LIFE!
    Combining the features of universal life with the opportunity for cash value growth linked to the performance of a stock market index, North American’s Indexed Universal Life Insurance (IUL) products are built to meet your client’s death benefit needs and so much more. North American’s IUL products can help provide extra cash during retirement. Use this online tool to learn more about IUL’s exciting product features.

 

 

 

  • Masterpiece of Love Campaign – a new way to talk about Legacy
    This campaign and film series is a new website and social experience that will move your clients! It will put them in the shoes of those who have lost a loved one. They can watch the experiences come to life in film, see the stories rendered into beautiful art, enrich their understanding of what it means to leave a legacy, and share their own story. Once they witness it, they will handle conversations with their own family.  Interactions with your clients will be changed forever. It’s time to have a different kind of conversation about legacy and life insurance-a real one. See the Masterpiece of Love Campaign!
  • Changes to PruLife UL Protector – effective February 27th
    Effective February 27, premium rates on PruLife Universal Protector will increase in approved states. This new pricing will not have face amount limits. Get details.
  • Rate Changes for Term Essential – effective February 27th
    Get details and other product enhancements.
  • Supplemental Income Planning – a strategy for young professionals
    Life insurance with a Supplemental Income Planning focus may provide your young professional clients with flexibility later in life. The concept requires someone seeking permanent death benefit protection and who is comfortable increasing their premium payments over time. Learn more about this strategy. Use this flyer in client meetings.
  • Secondary Addressee Notice for Rhode Island – NEW
    Rhode Island has recently adopted a new regulation that allows policyholders to identify a secondary addressee to receive a notice of cancellation for nonpayment of premium. As a result, a new Rhode Island state-specific Secondary Addressee form has been created. The Rhode Island Secondary Addressee Notice (ORD112674 RI) edition 2017 is required to be provided to the applicant at point of sale.
  • Revised HIV Consent Form for Iowa – effective February 27th
    Iowa recently amended its Administrative Code to include updated CDC national health information hotline contact number and website address. The contact information is used to provide further information on HIV testing and AIDS. On February 27, 2017, the revised Iowa Notice and Consent Form for AIDS Virus (HIV) Testing form (ORD88624 Iowa) edition 2/2017 will be available. Prior versions of the form will not be accepted after that date.
  • Introducing PruFast Track Underwriting – COMING SOON!
    During the first quarter of 2017, Prudential will begin rolling out an enhanced underwriting process called PruFast Track. This new process will be available for the majority of the products in their Term and Permanent portfolio, for clients who are between ages 18 and 60 and applying for face amounts between $100,000 and $1,000,000 (some restrictions may apply). Read the announcement.

 

 

  • Everyone 18-60 seeking $500k or less enters the same way
    Welcome to the future of underwriting! One path for all risk classes with no stops and starts. This is a process you can rely on.

    • No paramed visit required
    • No mid-process U-turns
    • All risk classes qualify
    • Faster process
    • Visit the website.  Download the flyer.

 

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ANNUITIES

 

 

  • Annuity rates – effective February 21st – Download the rate sheet.
  • Explain fixed annuity benefits with “STYLE”
    Is a fixed annuity the right fit for your clients’ retirement strategy? Use the “STYLE” acronym to explain how the benefits and features of fixed annuities might help meet their financial goals. Download the flyer.

 

  • ANICO Strategy Indexed Annuity PLUS 10 has FIVE one-year strategies
    • 13.65% Cap, 50% Participation Point to Point NEW!
    • 4.90% Cap, 100% Participation Point to Point
    • 2.70% Declared Rate
    • Total Sum Performance with a 2.20% Monthly Cap
    • Performance with a 4.25% Specified Rate
    • Learn more.

 

  • NAC IncomeChoice FIA’s
    Help clients cover both the necessities and the niceties!

    • Provide for the essentials with a guaranteed lifetime withdrawal benefit (GLWB) feature
    • For the fun stuff, offer the highest lifetime income potential with no additional rider charge
    • See the sales idea.

 

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LONG TERM CARE

 

 

 

 

  • Lower inflation rates for Partnership approved in PA – Get details.
  • LTC rate adjustments – effective May 1st – Get details.

 

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DISABILITY / CHRONIC ILLNESS

 

 

  • Priority Income Protection approved in CT, DC, DE, MT, ND & SD – effective March 1st – Get details.

 

 

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MEDICARE SUPPLEMENTS

 

 

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BROKER/AGENT INCENTIVES

 

 

 

 

 

CASH IS KING – annuity incentive 

(Qualification period: January 1 – March 31, 2017 )

 
Earn a CASH BONUS for your annuity sales.

 

Get complete details.

2018 IMG Conference – Riviera Maya

(Qualification period: January 1 – December 31, 2017)

Earn your way to the 2018 Independent Marketing Group Conference at the Grand Velas Resort in Playa del Carmen, Riviera Maya Mexico.

Get complete details.

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2016 EPIC Reward – Elite Producer Club

(Qualification period: EXTENDED to March 31, 2017)

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

 

Learn how.

 

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2018 Independent Leaders’ Conference

Spend five days and four nights from May 15-19, 2018 at one of the finest hotels Maui, Hawaii has to offer – the Ritz-Carlton Kapalua. Stay tuned for ongoing details; including eligibility rules.

Download the venue brochure.
See the producer qualifications.
See the Marketing Organization qualifications.
Check out this video to learn more!

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Elect To Sell SIUL This Fall!

(Qualification period: September 15, 2016 – March 31, 2017)

Prudential is giving you the opportunity to earn an additional 20% compensation on new Survivorship Index UL business.

Get complete details.

 

 

 

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