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• Get prospects to pay attention If you want to make a sale, you need to capture your prospects’ attention. Here are three things that can help.
• How partnering with advisors can help your practice If you’re a financial advisor, broker, rep, wholesaler, sales manager, recruiter, or any other type of sales producer, why go it alone?
• The 5 best closing lines From dramatic to cheesy, these lines have closed sales.
• 42 reasons to love being an insurance agent Selling insurance is challenging, but it’s also one of the most rewarding jobs in the world.

• AIG:
  • These AIG year-end processing cut-off dates represent deadlines that must be met for cases to have the best chance of being put in force in 2014.

• American National Annuities:
  • Applications must be received in good order in the home office by 4:30 PM CT on December 19^th in order to guarantee processing for year-end.
  • Normal month-end rate lock procedures will apply.  Applications must be signed and dated no later than December 31^st and received in the home office by January 6, 2015.
  • Applications received after 4:30 PM CT on December 19^th cannot be guaranteed to be processed by year-end.

• Genworth Financial:
  • December 5^th – Life New Business Deadline for 2014 Commission
  • December 12^th – Deadline for LTC New Business Requirements
  • December 19^th – Deadline for Annuity New Business Requirements
  • December 19^th – Deadline for TLC Delivery Requirements
  • Genworth’s 2014 Commission Year-End Pay Schedule
  • Commissions – 1099-MISC 2014 Tax Information

• John Hancock:
  • All requirements, including full modal premium, must be received in John Hancock’s New Business department by December 19^th to ensure completion of underwriting , issue and case payment by December 31^st.

• Legal & General America:
  • These LGA year-end closing dates explain the closing/cut-off dates for New Business processing, 1099 income reporting and General Agent Bonus.

• Lincoln National:
  • Here are the GA Channel 2014 End of Year Commitment & Guidelines for Underwriting and New Business.

• MetLife:
  • Here are the 2014 year-end life new business deadlines for Independent Agencies & National Accounts in order to meet the cut-off dates to place cases and credit them to 2014 business.

• Minnesota Life:
  • These Minnesota Life 2014 Year-end guidelines for business processing should be kept in mind to ensure that all your life business is processed in a timely manner.

• Mutual/United of Omaha:
  • This end-of-year schedule shows Mutual’s holiday closings and year-end cut-off dates.

• North American Company:
  • These North American year-end dates are to help you focus on getting your pending cases paid and delivered to finish out 2014 successfully.
  • Here are the year-end reminders for annuity business.

• Protective Life:
  • Protective’s 2014 Holiday Schedule and Year End Processing Guidelines will help ensure a case is paid and producers receive their compensation and/or production credit for 2014.

• Prudential:
  • As you prepare for year-end, use these helpful tips and reminders to make submitting Prudential life cases easier.

• SBLI:
  • Here are SBLI’s 2014 year-end processing guidelines.

• Symetra:
  • Final issue requirements for Life new business to be placed and counted in 2014 should be received by December 19^th, if commissions are paid weekly, and December 26^th, if commissions are paid daily.  If you are working toward contest and production bonus goals, we encourage you to submit applications through Symetra Express as soon as possible. Express will determine if premium can be collected from applications that qualify for temporary coverage or instant approval. Allow enough lead time on fully underwritten business for the applicant to complete the medical history interview and para-med exam. These take three weeks to complete, on average.

• Transamerica:
  • View Transamerica’s important 2014 year-end dates; as well as 2015 commission closing and statement mailing dates. For tips on New Business processing, click here.

• Voya Financial:
  • Be sure to send in requirements to have your 2014 new business placed and commissions paid in advance of these Voya year-end deadlines.

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• Telephone solicitation bans for January

• Transamerica:
  • Changes to credit card payments on in-force policies

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• Legal & General America:
  • Underwriting Hepatitis C

• MetLife:
  • Enhanced Rate Plus Program – launching January 5^th!
  • New form for internal replacements

• Mutual/United of Omaha:
  • Why sell Guaranteed Universal Life?  Underwriting services that make a difference!
  • Guaranteed Advantage now on Mobile Quotes
  • GUL with the Guaranteed Refund Option – an alternative to ROP Term
  • New column added to GUL & GUL Plus illustrations showing the Guaranteed Refund Option benefit

• Protective Life:
  • Are your clients overwhelmed? Try a simpler approach with Indexed Choice UL.

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• State of the industry: 5 annuity insights for 2015 A report released today identifies marketplace opportunities and shifting demographics for annuity advisors.

• American National:
  • Annuity rates – effective January 1^st

• Genworth Financial:
  • SecureLiving Income Provider rates decreasing – effective January 1^st
    View the current rate flyers.

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• 4 ways LTC planners’ world could get better A Swiss Re economist gives some reasons for optimism.
• Protecting wealth from long-term health costs

• John Hancock:
  • New process for bank draft authorization Based on producer feedback, a new notification step has been established to help set your client’s expectations when a bank draft deduction will occur.  A reminder is being added to the new business set up to ensure the producer authorizes bank draft cases. This allows you an opportunity to notify your client of approval – so the client is aware when the first premium will be deducted from their account.  You simply need to notify your case manager when the time is appropriate to deduct. There is no paperwork required.  Please reach out to your case manager or speak to a New Business representative at 800-377-7311 with any questions. Please note: the bank draft authorization may be provided to your case manager at any point during the new business process.
  • Updated applications & product materials for CT, IN & NY – effective January 1^st Updated applications and product marketing materials will be available on January 1, 2015, reflecting the 2015 minimum benefit levels for Connecticut, Indiana and New York Partnerships.  Please note: John Hancock discontinued sales of its California Partnership Long-Term Care insurance product effective September 16, 2013.

• Mutual of Omaha:
  • LTC Sales Idea – LTCi…A Better Alternative than Relying on Family

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• Mutual/United of Omaha:
  • DI Sales & Marketing process brochure Learn about five steps to success in the disability income insurance marketplace.

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• Mutual/United of Omaha:
  • Part D Certification To receive renewal commissions for Coventry Medicare Part D Plans, certification must be completed by December 31, 2014.

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• AIG:
  • AIG Better Ride Contest  (8/1/2014 – 1/31/2015) Now is your chance to rev it up, get in gear, and gain some traction!  Producers will receive points based upon the sale of our permanent products, and additional points for selling AG Asset Protector on Secure Lifetime  (AAS Rider & LIS Rider), and the AAS Rider on Elite Index II. For every 5 points a producer earns they will get a raffle ticket towards the drawing of a 2 year lease on a BMW 528i.  Get complete details.

• American National:
  • 2015 Marketing Conference  (qualification period ENDS TOMORROW) You and your guest will enjoy five days and four nights at The Cove Atlantis, Paradise Island, Bahamas from May 17-21, 2015 if you are one of American National’s top 80 qualifiers.  Click here for details.
  • 2015 CASH IS KING for Fixed Annuities  (January 1 – April 30, 2015) NEW! American National is paying a cash bonus for fixed annuities between January 1 – April 30th.  Get complete details.

• Athene:
  • Top Producers Dublin 2015  (ENDS TOMORROW)
    Produce $3.5 Million or more (received during the qualification period of January 1, 2014 – December 31, 2014) with Aviva or Athene products and then get ready to pack your bags for Ireland.  Click here for details.
  • Take the Athene Benefit 10 Challenge  (ENDS TOMORROW) Where will Athene Benefit 10 take you? Introducing an incentive with flexibility – the Athene Benefit 10 Challenge – where winners create their own custom travel experience! Learn how to qualify here.

• Genworth:
  • 2015 Distribution Leaders Summit  (ENDS TOMORROW) Discover South Africa – April 15 – 24, 2015!  Click here for details.
  • The 2015 Masters Tournament – April 6-12, 2015  (ENDS TOMORROW) Click here for official rules, award information and qualification details!

• Lincoln National:
  • Double Your Credit  (ENDS TOMORROW) Help your clients prepare for the future and earn double PAP credit on all Lincoln MoneyGuard Solutions cases placed in force between July 1 and December 31, 2014.  Click here for complete details.

• Mutual of Omaha:
  • LTCI Marketing Credits Program Mutual of Omaha’s LTCI Marketing Credits Program gives you the opportunity to score marketing credits that can be used to help build your LTCi business.  Start earning credits on your fifth LTCi app placed after November 1, 2014.
  • Earn 1% of ANBP
  • 1 credit = $1
  • Credits must be redeemed by March 31, 2016

• North American:
  • Elite Agent Bonus Program  (ENDS TOMORROW)
  • Click here for details on the Elite Silver Level Agent Bonus Program.
  • Click here for details on the Elite Gold Level Agent Bonus Program.

• Transamerica:
  • Leading Distributors Convention in Barcelona  (1/1/2014 – 12/31/2015) This is your opportunity to experience one of the world’s top destinations in an entirely unique way-the Transamerica way! Sun-filled days, exciting nightlife, and the breathtaking beauty of Barcelona await, when you qualify for the 2016 convention – held May 11-15, 2016.  Click here for details.  View the producer flyer.