Weekly News October 7, 2015

• Annuity Webinar Schedule
  Get the schedule and registration instructions. Webinars are held at 1:00 PM CT.
  Dial-In #: 888-535-6454  Access Code: 8123535
  • October 7^th – Power Protector Index Series
  • Volatility Control
  • Income Rider Option
  • Product Overview
  • October 14^th – Foresight Illustration Training
  • How to use Foresight
  • Online web demo
  • How to understand the illustration
  • October 21^st – Generating Income for the Income Generation
  • Avoiding Income Hazards
  • Optimizing Retirement Income
  • IncomeGeneration.com
  • IncomeGapFinder.com
  • November 4^th – ML Strategic Balanced Index
  • Exclusive AIG Index that offers upside potential while smoothing out market volatility.
  • How does it work?
  • How to position for your clients?
  • November 18^th – QLAC Overview
  • Learn more about the NEW Qualified Longevity Annuity Contract (QLAC) with the American Pathway Deferred Income Annuity.
  • QLAC may be a good option for your clients.
• Life Insurance Webinar Schedule
  Get the schedule and registration instructions.  Webinars are held at 1:00 PM CT.
  For details on each session, click here. Dial-In #: 888-535-6454  Access Code: 8123535
  • October 8^th – Making the Sale – RetireStronger.com
  • October 15^th – Value IUL – 5 Things You Need To Know
  • October 22^nd – Asset Protector Overview
  • November 5^th – eStation Website Overview- Part 1
  • November 12^th – eStation Website Overview – Part 2
  • November 19^th – AG Select-a-Term
  • December 3^rd – AG Quick Ticket
  • December 10^th – Optionality Microsite Review

• Index Annuity 101 LIVE webinars
  Click here to register. The webinars are held on Wednesday’s at 2:30 PM CT. A confirmation link to join will be emailed to you.
  • October 7^th – Building Guaranteed Lifetime Income with Index Annuity Income Riders
  • October 21^st – A Guide to Index Annuities: A Solution for Growth and Income

• College Funding
  • October 15^th at 1:00 PM CT – Join the webinar here.

• On-Demand Webinars
  What you need to know about underwriting.
  • Marijuana and Alcohol – View now.
  • Foreign Travel – View now.
  • Diabetes – View now.
  • Financial Underwriting for Personal Insurance – view now
  • Underwriting guidelines on Prostate/Colon Cancer – view now
  • Respiratory Disease – view now
  • Underwriting for Anxiety and Mood Disorders – view now
  • Breast Cancer – view now

• Why the middle market is too important for producers to ignore
  Are life insurance producers willing to fulfill their obligation to serve a market that desperately needs them?
• Need some social media marketing tips? Meet an unlikely rapper
  “The more content you give away, the more you’ll get back,” says Brittney Castro. “Don’t be afraid to give it all away.”
• 5 elements to success in the international risk market
  International Markets is not for the uninitiated. If you’re just getting into this arena, here’s what you need to know.
• Doing right by clients in volatile markets: 3 examples
  Using life insurance and annuities, you can provide clients with safety and security in an uncertain time.
• Your 7-step guide to working with the cognitively impaired
  At the FPA annual meeting, Robert Mauterstock described the growing population of cognitively impaired seniors over age 85 as a “perfect storm.”
• 12 of the best retirement TV ads
  From the sensitive to the funny, these TV commercials do an excellent job educating their audience about retirement.
• 7 ways to move forward when a prospect doesn’t call back
  Your proposal is ready to go, but your prospect has pulled a disappearing act. Before you give up, here are 7 steps you can follow.

• What happens when clients ask about Social Security?
  Show your agents how to run personalized, professional reports that would help their clients understand their options for filing. Social Security Pro is the latest upgrade from Social Security Explorer.  Tell your agents to go to the Advanced Markets tab on Accordianow.com and create their free login for Social Security Pro.
  • Run scenarios on their iPhone (and most other modern smartphones) to get quick answers when the conversation turns to social security.
  • Input client birthdates for true calendar year calculations – so much more powerful than hypothetical year projections.
  • Run scenarios for couples where one spouse has already filed.
  • Show early survivor benefits for spouses (ages 60 and 61).
  • Arm your agents with a new, robust detailed “Action Plan” report for their clients that will help them educate them about what to do, and when and why to do it.

• Generation Matters – NEW!
  AIG has a new and exciting campaign addressing the differences in the generations to help your agents grow their business. This training program can help them improve sales effectiveness by becoming familiar with the needs and communication preferences of each generation. It provides everything they need, including:
  • Promotional email
  • Customizable webinar invite
  • Scripted presentation
  • Follow up email
• Elite Global Survivor – discontinued effective October 30^th
  On October 30, 2015, sales of Elite Global Survivor life insurance will be discontinued nationwide. The transition rules are:
  • The Elite Global Survivor product will be discontinued effective 10/30/2015.
  • After 10/19/2015, new applications will no longer be accepted for the Elite Global Survivor product.
• New application and forms – effective October 12^th
  Find out what’s changing.

• Keep Life Insurance Awareness going!
  Life Insurance Awarness month is officially over, but that doesn’t mean you need to stop promoting the importance of life insurance. LGA will keep their LIAM microsite active with materials throughout the year.

• Clients live longer than they think
  Advanced planning can turn an insurance death benefit into a living benefit. With early planning, insurance riders can be offered to increase client control over their health care choices. One such rider is the Lincoln LifeEnhance Accelerated Benefits Rider (ABR), which can turn a policy’s death benefit into a living benefit. Clients with the ABR have a source of tax advantaged funds that may be used for any purpose they choose in the event of a permanent or chronic terminal illness. Help your agents show their clients how they can prepare for the risks of longevity and protect their wealth.

• Take advantage of Class Match
  MetLife’s Class Match Program can help offer clients additional insurance coverage with limited underwriting.  It may be able to issue a new policy matching a client’s in-force policy’s underwriting class and face amount – up to $1.5 million.  Even better, the policy is issued:
  – In days, not weeks
  – With no new lab work required
  – With no paramed exam
  Hurry, this program is only available until December 31, 2015. For all the details regarding restrictions, eligibility and qualification, please see the Program Guide.
• Advanced Sales Insights
  • Estate Equalization: How a Family Can Balance Fairness and Equality
    Individuals work hard to accumulate wealth and build a family business. Sometimes, one or more of their children become involved and are…
  • QLAC…An Appropriate Club for the Retirement Back 9?
    Decisions about a client’s future often will be made 20 to 30 years in advance. What if the decisions made hinder a client’s ability to optimize…
  • Closing the Millionaire Business Owner Retirement Planning Gap
    Business owners are becoming millionaires at an unprecedented rate. In fact, business owners now represent more than 33% of all individuals…

• Making Eclipse illustrations easy
  Do you have trouble navigating a life illustration and wish someone could walk you through how to run an Eclipse Indexed or Eclipse Protector illustration? Watch this Eclipse Indexed Life video.
• An Easier Way to Explain Cash Value
  More than a death benefit, permanent life insurance policies offer clients a way to build and use tax-preferred cash value while they are living. This new video offers you an easy way to help clients understand what cash value is and how cash value in a permanent life insurance policy may benefit them.
• Help clients see why life insurance should be part of their financial strategy
  Your clients need to employ a diverse set of financial tools in order to help maximize their assets and minimize their taxes. Permanent life insurance is one such tool for clients who need a death benefit. It offers tax-deferred cash value growth and tax-preferred distributions with no age restrictions, both of which make permanent life insurance ideal for supplemental retirement income. Review the new Life Insurance as a Financial Tool (LIFT) marketing materials to learn more.

• Lock In Protection with Just One Payment
  Purchasing a life insurance policy with one single premium payment can be a great way for clients to help ensure their family is protected — no matter what happens.
• Distributing the Family Business Equitably
  Estate equalization allows a business owner to divide their children’s inheritances equitably when some children work in the family business and others do not. Learn how life insurance can be a solution to help distribute the business and preserve family harmony.
• Simplify with Express
  Express life insurance products offer simplified underwriting and application processes, which means policies are issued faster and your agents  get paid quicker.
• GUL and GUL Plus: What’s the Difference?
  The GUL and GUL Plus products have a lot in common — but there are a few differences. Take a look at this side-by-side comparison to understand which product makes the most sense for clients.

• Changes to Caps & Participation Rates for IUL policies
  Changes will be coming soon to the inforce, non-marketed products: Rapid Builder IUL 2 and Guarantee Builder IUL 2. Get details.

• Protective Today – September 30^th edition
  In this issue:
  • 2016 Protective Life Sales Convention
  • Current operations updates
  • Protective Survivorship Term thrives among clients who are involved in estate planning
  • Small premium differences don’t matter

• Start the Inheritance Conversation to help improve retirement readiness
  In this recent white paper, Mark Hug discusses the relationship between retirement readiness and inheritance. The National Retirement Risk Index (NRRI) indicates that 52% of Americans are at risk of being unable to maintain their pre-retirement standards of living. But for those who receive even a modest inheritance, the risk decreased from 45% to 40%. While the overall impact of inheritances on the NRRI may be minor, the impact for individual households who inherit assets is anything but. That’s a client conversation worth starting!

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• Life After an Accident or Illness
  A video from the Life Foundation illustrates how Disability Insurance allows clients to continue to live their life if an accident or illness happens.

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