Newsletter March 29, 2017

• Executive Bonus Basics
  • March 29^th at 10:00 AM CT – Register here.
  • March 29^th at 1:00 PM CT – Register here.
• AIG Advanced Markets – Executive Bonus Arrangements
  • April 19^th at 1:00 PM CT – Register here.
• AIG Advanced Markets – Deferred Compensation
  • May 17^th at 1:00 PM CT – Register here.
• AIG Advanced Markets – Split Dollar
  • June 21^st at 1:00 PM CT – Register here.

• BOLD Business Succession
  • March 29^th at 1:00 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 2:00 PM CT.  Click here to register for a date that works best for you!

• What to consider when selling Medicare supplement insurance
  Selling Medicare supplement products is challenging but provides the chance to earn exponential residual commissions. Read more.
• Making the nest egg last: best products for senior clients
  From innovative fixed indexed and fee-based annuities to hybrid combo solutions, today’s retirees have a growing list of products to choose from. Read more.
• How to make term life insurance do more
  By using more creative approaches that capture a client’s interest and imagination, advisors can deliver what clients want at a lower cost. Read more.
• Life insurance prospects want a retail sales experience
  A new study reveals that consumers expect transparency from a life insurance purchase the same way they would for buying other retail products or travel. Read more.
• Six reasons Gen X lags in saving, planning for retirement
  The uneasy financial situation that Gen Xers and millennials currently face is vastly different from what their baby boomer parents experienced at the same point of their lives. Read more.

• CEO shares his vision, goals, and values

• New website – Click here to visit.

• Secure LT GUL III
  See the competitive pricing for Short Pays and Level Pays; along with guaranteed cash value!
• Help your clients achieve new levels of financial freedom
  Watch the video below and help clients build, protect and extend their assets with Life Insurance and the innovative Asset Protector.

• Signature Term helps families achieve peace of mind
  • Competitive Premium Rates
  • Multiple Term Levels
  • Accelerated Benefit Riders for  chronic, critical and terminal illness
  • Full Underwriting
  • Express Underwriting
  • Learn more.

• Life Insurance Can Do More – video
  Clients’ money should and can be working harder. See how.

• Important product sunset dates – reminder – Read the bulletin.
• Term Conversion process – Here’s how you can help speed the process.

• Provide clients more retirement income with Accumulation IUL
  Accumulation IUL now ranks among the best in the industry in cash accumulation scenarios. Download sales tools and marketing materials.

• HIPAA forms have been updated
  The Release of Health-Related Info (HIPAA) forms for Banner and William Penn have been updated with the following revision:
  • Added “genetic information and genetic testing results”.
  • Please discontinue use of the now-obsolete consent form. The new HIPAA form is effective today. Please discard previous versions.
  • LGA will accept the former version of this form until April 24, 2017.

• Orion IUL outshines the competition
  The new Orion IUL is the shining star in certain max distribution scenarios. Check out this new competitive flyer to see how it ranks against the competition.

• Learn how the Index Loan Provision works
  Use this Potential of Index Loans flyer to learn how the index loans work on Income Advantage IUL. Plus, find out what makes the index loan provision unique in the industry.
• What if your client wants to stop paying premiums?
  Most fully-guaranteed policies are not known for their flexibility. But, with Mutual’s GUL, your client has an option to reduce their death benefit, stop paying their premium and have their death benefit be guaranteed for the remainder of the original guarantee period. Find out how.
• Apptical is now available on Android – Get details.
• Life Insurance within a divorce decree
  In divorce cases where child support or alimony is ordered, life insurance may also be required. An Income Advantage IUL policy can help provide financial support through the duration of the agreement. And, IUL offers the opportunity for growth that other products may not. Download this “For Better or For Worse” sales idea for more information, including a comparison of the life insurance options available.

• Web-based illustration software
  Watch this video to learn more. Download this tip sheet.
• Your agents can find client flyers and videos on the microsite – Share this video tutorial with them.

• Advantage Choice UL provides cash value for future expenses – Download the flyer.

• Flyer to promote SBLI’s strength to your agents – Download now.

• Survivorship UL-G – Read the product update.

• Offer clients potentially more savings and less taxes with a QLAC
  When clients purchase the American Pathway Deferred Income Annuity as a Qualified Longevity Annuity Contract (QLAC), those funds may be excluded from Required Minimum Distribution (RMD) calculations. Reducing RMDs could help extend your clients’ savings and lower the taxes they pay. Key advantages of a QLAC:
  • Allocate up to $125,000 (lifetime) or 25% of your IRAs, whichever is less
  • Delay paying taxes on money that isn’t needed in early retirement
  • Guaranteed lifetime income later in retirement
  • Potential to leave more assets to a surviving spouse or heirs
  • Download the flyer.

• What’s the average cost of retirement?
  Compared to life’s biggest expenses, retirement has the highest price tag. It’s 2.5 times more than the average house. Your strategies and Integrity’s solutions can help cover that cost.
• IncomeSource & MultiVantage contracts sold in ME, NH & VT
  To align product offerings in all states except New York, effective April 10, 2017, IncomeSource and MultiVantage contracts sold in Maine, New Hampshire and Vermont will be issued by Integrity Life Insurance Company (rather than National Integrity Life Insurance Company). Rest assured, Integrity Life and National Integrity Life hold the same high ratings for financial strength, stability and operating performance. The products themselves are unchanged aside from withdrawal charge differences for MultiVantage.
  • All pending National Integrity Life apps and paperwork must be signed by April 9, 2017. Updated Integrity Life paperwork kits reflecting the change will be available April 10, 2017 and must be used going forward.

• NAIC Annuity Suitability Regulation for MO
  Effective April 1, 2017, before soliciting annuity products in Missouri, producers must complete a one time, four hour annuity training course and the Company Product Specific Training. Learn more.

• Annuity e-App
  Tired of not-in-good-order issues sending your business down a detour? Have your agents choose e-App.  See the step-by-step tutorial below.

• Annuity rate improvements
  On March 28, 2017, rates improved on the following fixed index annuities:
  • Performance Choice
  • NAC IncomeChoice (Threshold Participation rates only
  • See the new rates.
• Product changes – effective April 10^th
  The following links provide a summary of all the communications that will be released.
  • NAC FoundationChoice discontinuation (fixed index annuity)
  • NAC Charter Plus II changes ( fixed index annuity)
  • NAC Charter Plus launches in Hawaii (fixed index annuity)
  • Guarantee Choice changes (multi-year guarantee annuity)
  • Income Pay Plus with LPA Multiplier for UT & VA (guaranteed lifetime withdrawal benefit rider)
• Digital Forms
  Beginning April 10, 2017, North American will move to digital forms only and will no longer supply printed product and new business forms for order and shipment. Read the bulletin.

• Annuity and Asset News
  In this issue:
  • Missouri Adoption of the 2010 NAIC Model Suitability Regulation
  • The Department of Labor Fiduciary Rule
  • Secure Shut Down Transition Rules
  • Join our Key Partner Online Community
  • Register to complete your Journey PST today!
  • Voya Fixed Indexed Annuities Interest Rates
  • The Producer Resource Center has been enhanced.

• Affinity Discount launching on Individual LTC products
  Effective April 24, 2017 Genworth will offer a 5% premium discount on new business to members of an approved Affinity organization. This discount will be available on Genworth’s individual long term care insurance products, Privileged Choice Flex 3 and Privileged Choice Flex and includes their Element packages. Read the bulletin.

• In-force rate action notifications for late April – Get details.

• Rate adjustments for MA – effective June 1^st – Get details.
• Rate adjustments for MA & NV – effective June 1^st – Get details.
• Lower inflation rates for Partnership in ME – effective April 1^st – Get details.

• Women and LTC – everything you need to host a recruiting event
  The OneAmerica Care Solutions Women and LTC recruiting kit includes everything you need to host a successful event.
  • Playbook with best practices, detailed tips and timelines
  • Marketing templates for invitations, ads and other communications
  • Registration tools, event reminders and follow-up resources
  • Visit the recruiting event landing page to learn more.

• Critical Advantage Express & Simplified Underwriting
  Learn about two underwriting programs to protect your clients faster; without the paperwork or hassles of fully underwritten programs.

• Rate adjustments for CA & TN – Get details.
• Rate adjustment for IL – Get details.

CASH IS KING – annuity incentive 

(Qualification period: ENDS 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: ENDS 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: ENDS March 31, 2017)

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

Get complete details.