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December 5, 2012


IMPORTANT INFORMATION REGARDING ACTUARIAL GUIDELINE 38 (AG38)

The adoption of AG38 may cause Guaranteed Death Benefit UL prices to rise. It is reasonable to
expect that some carriers will discontinue offering them. Stay up-to-date by visiting the AG38
rotator on the homepage of the TMA website or call TMA Life Sales & Marketing Support Desk at
877-862-8622.This is a good time to encourage your brokers to speak with their convertible term clients. Buyers
of convertible term are frequently cost conscious buyers. They bought the term, at least in part, on price and also for the guaranteed death benefit. Beginning in 2013, should they want to convert to a guaranteed death benefit UL product, they may pay much more – if the product is available. At
the very least your brokers owe their clients a conversation and an offer to convert before AG38
causes changes to guaranteed death benefit ULs.What does AG38 mean to producers & carriers? Are your brokers prepared for these
changes and how can you capitalize on it to win more business?AG38 & The Low Interest Rate Environment contains important information combined with TMA
carrier bulletins regarding AG38 transition guidelines, re-pricing, 1st year premium limitations and
additional information.Our Carrier Summaryhighlights important transition dates and links to carrier bulletins.Use both communications with your brokers to help them understand and take action
regarding AG38.
TMA LIFE WEBSITE ADDITIONS & UPDATES

Be sure to check the distributor homepage of our website for important news, upcoming events & TMA’s blog.

 

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SALES ARTICLES

UPCOMING WEBINARS & TELECONFERENCES

  • American General:
  • American National:
  • Aviva:
    • December Webinar Schedule & Instructions
      TODAY, December 5th – Aviva Connect Software
      TOMORROW, December 6th – Accelerated Access Rider
      – December 7th – Indexed Universal Life Basics
      – December 10th – Introduction to Indexed Strategies
      – December 11th – Aviva’s Cash Accumulation Portfolio
      – December 12th – The Fiscal Cliff & Estate Planning for 2012/2013
      – December 13th – Understanding Policy Loans “Fixed vs Variable”
      – December 13th – Financial Insights
      – December 14th – Life Portraits Sales Solutions “The Basics”
      – December 17th – Annuity 101
      – December 18th – Aviva Resources
      – December 19th – Survivorship Builder
      – December 20th – Get the Competitive Edge with Aviva IUL
      – December 21st – Spotlight on Success
      – December 27th – Wellness for Life Rider
  • North American:
UPCOMING MEETINGS

  • TMA 2013 Annual Meeting – HOTEL REGISTRATION DEADLINE IS JANUARY 11!
    March 4-6, 2013 at the Scottsdale Resort & Conference Center in Scottsdale, AZ.
    Click here to for details and links to the new registration form and hotel reservation links.
    Click here for information about Airport transfer and pickup.
CARRIER & INDUSTRY NEWS

LIFE INSURANCE NEWS

ANNUITY NEWS

LONG TERM CARE

DISABILITY
TMA CARRIER EXCLUSIVE CONTESTS

  • TMA/American General: (ENDS January 31, 2013)
    Saddle Up and Scream “Yee-Haw!” for a truly unique Texas-sized tradition. Win an exclusive 2 night stay to attend the Houston Livestock Show and Rodeo. Qualification period: February 1, 2012 through January 31, 2013. Eligible agencies must increase their production by at least 25% over production in the prior 12 months; with a minimum increase of $50,000. Click here for details.
  • TMA/Genworth: (ENDS December 31, 2012)
    Annuity Sales Incentive. Click here for details.
  • TMA/Protective: (ENDS February 28, 2013)
    Here is your chance to be one of 4 TMA principals, along with a guest, to spend 4 days at The Breakers in Palm Beach next spring. This exciting opportunity includes all travel expenses, meals and hosted activities! Contest period runs from April 1, 2012 through February 28, 2013. Eligible agencies must increase their production by at least 25% over production from April 1, 2011 through February 28, 2012; with a minimum increase of $50,000. Click here for details.
  • TMA/Prudential: (ENDS December 31, 2012)
    Win the chance to take a bite out of THE BIG APPLE! This exciting opportunity includes round-trip airfare, hotel accommodations, meals, tickets to see a Broadway play & more! Contest period runs from January 1, 2012 and ends on December 31, 2012. Increase your paid weighted premium by 25% or more during the contest period over the prior 12-month period with a minimum growth of $50,000. Click here for details.
BGA ONLY CONTESTS

AGENT CONTESTS

  • American General:
  • American National:
    • eApp iPad Contest (ENDS December 31, 2012)
      Receive a Free iPad when you submit 6 paid life policies through iGO e-App.
    • 2013 Marketing Conference (ENDS December 31, 2012)
      The top 80 licensed representatives of American National who qualify in accordance with the official requirements are eligible for an invitation to attend the 2013 Marketing Conference in Palmilla, Los Cabos, Mexico May 19 – 23, 2013.
  • John Hancock:
    • Benefit Builder Bonus(January 1 – June 30, 2013)
      By selling Custom Care III featuring Benefit Builder between January 1 and June 30, 2013, you can increase your earnings!
      Bonus Level 1 – $5,000-$17,499: 10% bonus
      Bonus Level 2 – $17,500-$34,999: 15% bonus
      Bonus Level 3 – $35,000-$2,000,000 – 20% bonus
      Details and program rules in the link above.
  • Symetra: