Newsletter Sept 21, 2016

• 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.
• Performance LTC Top Sellers Round Table
  • September 28^th at 1:00 PM CT – Register here.

• Quick eApp tips and tricks webinar
  See how you can use Quick eApp to your advantage AND get you a sneak peek at the upcoming Quick eApp and Underwriting enhancements.
  • September 21^st at 2:00 PM CT – Register here.
• CareShield: A New Solution for Chronic Illness Coverage
  • September 22^nd at 1:00 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.
• Rev up your email signatures for LIAM
  Drop one of these True Cost of life insurance email banners into your signatures today – and spark a conversation you may otherwise not have!
• Social media content for LIAM
  Use this click to share function to generate awareness and prospect for clients on social media.

• 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.

• Advisor of the Year Jeff Bucher talks about the future of the industry
  Advisor of the Year winner Jeff Bucher talks prospecting, dealing with the DOL and predictions for the industry. Read more.
• Make “simplicity” your focus
  Follow these three easy steps to simplify your message for your busy clients. Read more.
• Addressing the fear inside your client
  The fear and uncertainty our clients are feeling right now is much more severe than we realize. Read more.
• 6 advantages of Indexed Universal Life insurance
  IUL policyowners enjoy virtually all the advantages they would enjoy if they owned regular universal life policies including flexibility and transparency. Read more.
• Susan Glass: A champion for women in insurance
  The national president of Women in Insurance & Financial Services went from viewing the insurance industry as the domain of men to devoting her time to helping open doors for women. Read more.
• Beyond sales: The power of why
  All too often we talk to prospects and clients as experts and wrongly assume they understand the why of the conversation as well as we do. Read more.
• 5 Proven Ways to Reach Stuck Customers
  September’s Life Insurance Awareness Month is the perfect time to reach out to “stuck customers,” which LIMRA defines as those who know they need life insurance, but don’t have an individual policy. LIAM gives you a great “excuse” to say, “It’s Life Insurance Awareness Month. What better time than now to review your coverage?” LIMRA put together this great infographic with 5 tips to help. Read more.

• A promotional program to help grow your business
  Campaign in a Box is a complete promotional program that provides what you need to educate, train and prospect to clients. The first topic in this program is “Life Insurance Retirement Planning”. The program includes:
  • Tools, ideas and client prospecting (social media, blogs)
  • BGA promotional materials (enewsletter stories, emails, social media)
  • Unique business building strategies for client meetings (napkin tools, interactive tools)
  • View and download resources!
• The Road to Retirement – a video agents can share with clients!
  Let clients explore how Index Universal Life (IUL) insurance can help provide tax-free income over time. Plus learn about withdrawing cash value for any reason-like supplementing retirement income, starting a business, paying for college or a wedding or even going on vacation. Have your agents watch and share this video with their clients.
• Underwriting Sweet Spots – See where AIG’s strength fits clients.

• Signature IUL has 4 one-year strategies for your clients
  Here are 4 one-year interest crediting strategies based upon the performance of an index…all with 100% participation rates:
  • Point to Point Uncapped with a 4.75% Interest Rate Spread and 0% Floor
  • Point to Point with a 10.00% Cap and Higher Floor of 1.5%
  • Point to Point with a 13.00% Cap and 0% Floor
  • Point to Point with a 7.50% Specified Rate (When index increases or remains the same)
  • Learn more.

• Exchange Program – Learn how to help clients upgrade their policy.

• Lincoln Leader for Life – September 12^th edition – View it now.

• A simplified underwriting program – Find out how Class Match can work for your clients.
• Risk-Managed Portfolios: Leaving Less to Chance – Read more.
• The Marketing Imperative
  Like it or not, everything you do and say is part of your marketing campaign. Read more.
• Family Matters
  Milestone opportunities to remind families about the future. Read more.

• Quick eApp – it pays to apply online!
  When you use Quick eApp, you open the door to big rewards. The easy-to-use, online application system helps ensure applications are in good order so you can close business faster. And coming this fall, it’s only getting better. Quick eApp will be your key to access Minnesota Life’s Accelerated Underwriting program that launches in November. Here’s what’s coming up:
  • The option to send a Quick eApp through Accelerated Underwriting; which eliminates labs for your healthiest clients and speeds their application through the underwriting process
  • Quick eApp will act as your guide to help determine which of your clients qualify for our program
  • Enhancements to the tele-interview process
  • Learn more by signing up for the Quick eApp tips and tricks webinar (today, September 21, 2016 at 2:00 PM CT) to see how you can use Quick eApp to your advantage today. You’ll also get you a sneak peek at the upcoming Quick eApp and underwriting enhancements.
• Introducing the industry’s first Chronic Illness Conversion Agreement (CICA)
  Available on Advantage Elite Select Term policies, the CICA is for clients who plan to convert their policy to permanent coverage in the future and desire chronic illness protection. This agreement guarantees your client’s right to add the Accelerated Death Benefit for Chronic Illness Agreement without evidence of insurability at the time of conversion. Learn more.

• Age Last Birthday – Talk to clients about how it affects their premiums.
• Mutual’s life products – Here are 5 reasons to choose them.
• Is it time to conduct a Beneficiary Review? Here’s a guide to help you navigate.
• Life Portfolio Changes – effective October 1^st – Learn more.

• Are you working with clients who are married? Offer them Joint Lifetime Income!
  See where the Performance Choice Fixed Index Annuity Series with the Optional Income Pay Plus Guaranteed Lifetime Withdrawal Benefit Rider may lead in the marketplace.

• Avoid client frustrations
  When a policy doesn’t perform as originally illustrated, your clients can get frustrated. Help avoid this scenario with Protective Indexed Choice UL – an IUL solution with lower policy expenses and a realistic illustration rate. Compare the cash values and guarantees.
• Protective Custom Choice UL
  Protective Custom Choice UL is now even more competitive with a 1.5% premium decrease in level death benefit periods of 15, 20, 25 and 30 years for non-smoker risk classes. And don’t forget about the added value Protective Custom Choice UL offers clients; like mortgage protection for less than the typical term policy! Learn more.

• Innovative products for your clients evolving needs – Learn about them.
• IUL Cap & Illustrated Rates
  On October 1, 2016, the index caps and illustrated rates for the 2015 Founders Plus and Index Advantage UL products will change. Find out what changes are being made. Here is a sample of the client letter that will be sent on October 1, 2016 to communicate the changes.
• Elect To Sell SIUL This Fall! – NEW BONUS PROGRAM
  During this busy election campaign season, Prudential has begun a campaign of their own. From September 15, 2016 to March 31, 2017, Prudential is giving you the opportunity to earn an additional 20% compensation on new Survivorship Index UL business launch. Get complete details.

• An enhanced illustration experience – coming October 17^th – Learn more.

• Client annuity statements are now online!
  Now, agents and back office users can view and download Annuity Annual Statements directly from their laptop, desktop computer or mobile device. Statements generated on or after September 9, 2016 will be available for all clients associated with a specific agent, representative and/or back office. Clients will also be able to access their Annual Statements via the client portal eService. To help you understand this exciting new change, view this Frequently Asked Questions; which includes step-by-step instructions on how to access client statements on eStation.
• Give clients the power to choose the right option for the right time
  The American Pathway SolutionsMYG helps put your clients in control of their retirement with strategic multi-year interest rate guarantee options and withdrawal privileges. It’s an income solution with:
  • Five-, six-, seven-, eight-, nine- or 10-year initial interest rate terms in most states and five-, six- or seven-year terms in New York
  • 15% free withdrawal privilege after the first year
  • Seven-year withdrawal schedule in New York, 10-year schedule in other states

• The Elephant in the Room – Share this video with clients to start the conversation.
• Stages & Strategies
  Present the power of an all-season portfolio. Use the new lifetime lifeline planning visual. It’s an easy way to picture a retirement and protection strategies aligned with life stages. Help prospects see the needs that can be addressed with your help.

• Bonus Program on Performance LTC can increase your sales
  Increase your earnings with an additional 10% BONUS by selling Performance LTC from now through December 31, 2016.

• Lower inflation rates for Partnership Qualification for MutualCare Solutions approved in ID & MD – Learn more.
• Understanding Long Term Care Buyers – See the consumer study results.

• Cancer, Heart Attack & Stroke Portfolio – Learn more.

• Open Enrollment Period – Get the guidelines.
  
• Rate adjustments for AR, IN, OR, MT & KS – effective October 1^st – Get details.
• In-force-only rate adjustment for Mississippi – Get details.
• Application Submission Tips
  Beginning October 1, 2016, you may submit Medicare supplement applications with a January 1, 2017 effective date. Here are a few simple instructions to help expedite your business and reduce stress during Medicare open enrollment.

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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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.

__________________________________________________________

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.