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• Ineffective communication limits life insurance sales – study
  The life insurance industry needs to communicate using authentic language and relatable imagery.
• Women and retirement realities
  The retirement gap between men and women is the result of multiple long-term socio-economic conditions.
• Why sorting clients by age, gender is a mistake
  Advisors who use clients’ age, income or marital status to guide their interactions with them may be missing opportunity for deeper connection.
• Do you talk down to prospects?
  Feeling the urge to sling the lingo? Bite your tongue. Your prospect wants solutions, not fancy words.
• Do you know these Social Security facts?
  Clients nearing retirement have lots of questions around Social Security. How well can you answer them?
• 5 ways life insurance agents can increase sales in 2015
  Here’s your action plan for a banner year.

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• The top 5 priorities for life insurers in 2015
  Expect to see more simplified and consumer-friendly products, including annuities tailored to young workers looking to build a nest egg.

• Legal & General America:
  • LGA Analytics works so well, AXR has been discontinued!
    Click here to for more information.  (login required for LGA Analytics site.)

• North American:
  • A financially strong carrier on your side
    Click here for details.  Click here to view their Annual Report.
  • Pending business enhancements coming to website
    Enhancements have been made to the workflow system for North American New Business operations. There are also changes coming to some aspects of the Pending Business system on their website. Click here for details and see what’s changing in this flyer.

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• AIG:
  • New LOWER term rates nationwide (yes, even in New York!)
    AIG now has lower term rates and are even more competitive in the most popular term periods and risk classes. Plus, these same low rates are available in New York. With 17 durations, AG Select-a-Term allows your clients to buy just what they need at a market-leading price. Visit www.aig.com/termlife to learn more.
  • New term infographic
    Most term life insurance policies only offer five-year increments.  Not AIG!  They offer 17 different term options for clients to choose the specific time period that works best for them. They buy just what they need, saving them money.
• So many reasons to love AIG’s chronic illness rider
  Unique client benefits, a competitive price tag and the same level of commission as a base life policy are just a few of the advantages of AIG’s chronic illness rider – Accelerated Access Solution (AAS). Find the full list of reasons to sell this rider, as well as producer and consumer resources at www.aig.com/optionality.  
• Clients adore options; especially ROP on a GUL
  Life events can alter or change long-term objectives, so AIG offers flexibility and security in one policy. Learn more about a no-cost return of premium rider on AG Secure Lifetime GUL II and AG Secure Survivor GUL II.

• Genworth Financial:
  • Asset Builder Index UL II – NEW PRODUCT AVAILABLE FEBRUARY 23^rd
    Click here for the announcement.

• Legal & General America:
  • A-List term – features
  • simplyLIFE Pilot – update
    An Amazon gift card offer for your customers.  Commissions for your agency.  Click here for details.

• Lincoln National:
  • State-specific updates to life insurance solutions
    Click here for details.
  • Lincoln Leader for Life – February 9^th edition
    In this issue:
• Now Available – Lincoln WealthPreserve Survivorship IUL New York
• Now Available – Lincoln LifeElements Level Term (2014) New York
• Now Available – Lincoln MoneyGuard II in Florida
• Now Available – Electronic Inspection Reports
• New Policy Dating and Premium Effective Date Rules
• Lincoln MoneyGuard Reserve Plus, application process change in California
• MetLife:
  • Solutions for an Aging Population
  • Opportunities Beyond the Boomers
• Financial Underwriting – It’s not a mystery – white paper
• Key Person Insurance – sales starter
• Dual Executive Benefit – sales solution

• Minnesota Life:
  • EPIC microsite– NEW!
    Instead of just planning for what happens at death, EPIC helps clients plan for both life and death.  Visit the EPIC microsite to view the marketing materials that will help you write your client’s EPIC!

• Mutual/United of Omaha:
  • GUL and GUL Plus – features that add flexibility
    Click here for details.
  • Term Life Answers has great new rates!
    Term Life Answers now has leading Age Last Birthday rates for Preferred Plus, Preferred Non-Tobacco and Standard Non-Tobacco.
• Underwriting requirements
  As of February 1, 2015 Mutual has updated and improved our underwriting requirements.
• Is There Any Other Choice But Mutual of Omaha?
  With so many great products and services, there’s no question that Mutual of Omaha will serve your clients’ needs.
• Help your clients get their ‘stache back
  Don’t forget about the Guaranteed Refund Option and all the benefits it offers your clients.

• Minnesota Life:
  • Enhancements to paper applications & premium collection guidelines –reminder
    Click here for details.

• North American:
  • Top 5 things you need to know about California’s new ADBE
    Check out the top five things you need to know about North American’s life insurance endorsement – Accelerated Death Benefit for Chronic Illness.
  • Options for Guaranteed UL & IUL
    Get details about North American’s Custom Guarantee UL and Guaranteed Builder IUL.

• Transamerica:
  • New Trendsetter portfolio premium rates  – reminder
    Effective February 14, 2015, premium rates for Trendsetter Super and Trendsetter LB were adjusted to maintain an overall competitive price. The adjustments re-balance pricing to remain in the top three in key cells and maintain the objective of being nimble in adjusting to ongoing changes in the marketplace.  Transition rules:
  • Applications that were received through iGO or in the Home Office by February 13, 2015, will receive the old rate.
• Applications received through iGO or in the Home Office between February 14, 2015 and March 20, 2015 will automatically be issued with the base plan rates most favorable for the applicant.
• Applications received through iGO or in the Home Office on or after March 21, 2015 will be issued with the new rate.  
• Trendsetter Express has been discontinued – reminder
  Effective February 14, 2015, Trendsetter Express is no longer available for sale. A great alternative to Trendsetter Express is Transamerica’s term with living benefits product – Trendsetter LB. Trendsetter Express will continue to be available for sale in Massachusetts and Puerto Rico until further notice. Trendsetter LB is currently not available for sale in Massachusetts and Puerto Rico.
• Massachusetts applications – updated
  Massachusetts applications for many of Transamerica’s leading products have been updated to reflect new Medical Information Bureau (MIB) language. View the list of affected products. Effective February 13, 2015, these new applications must be used. The last day old forms will be accepted is April 10, 2015.

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• We’re living longer – get ready to pay for it
  New mortality assumptions may be cause for advisors to encourage the delay of annuity benefit claims.
• All This Talk About QLAC – What Does it Really Mean?
• Opportunities to Help Solve the Retirement Puzzle for the Middle Market

• AIG:
  • ML Strategic Balanced Index – NEW!
    The new ML Strategic Balanced Index, which is exclusive to AGL, and available through index interest crediting methods in select index annuities, offers the potential for stable and attractive crediting through periods of highly cyclical market volatility and through periods of low interest rates.
  • Are your clients Social Security savvy?
    Deciding when to start collecting Social Security benefits may be one of the most important retirement income decisions clients make. The new Social Security Savvy program is designed to educate and help clients develop a comprehensive strategy that integrates Social Security benefits with other sources of retirement income.
• Get to know the American Pathway SolutionsMYG
  Discover a product that offers long-term protection with a guaranteed interest rate period of five, six or seven years in New York and from five to 10 years in most other states. The American Pathway SolutionsMYG is an ideal choice for long-term savers who can appreciate:
• Tax-deferred growth
• Protection from market fluctuations
• Guaranteed income for life
• Two new Index Interest Crediting Strategies – now available
  The highly popular Power Series of Index Annuities now includes two new index interest crediting strategies that utilize the ML Strategic Balanced Index, a new hybrid index exclusive to American General Life Insurance Company (AGL). The two new strategies are available for new contracts issued on or after January 26, 2015.
• Learn more about the Annual Point-to-Point Index Interest Account
• Learn more about the 2-Year Point-to-Point Index Interest Account
• Product re-training required for the Power Series of Index Annuities
  All agents, including those who have previously taken our index annuity product training, must take the new product training; which contains important information about the two new index interest crediting strategies and the new index they utilize.
• American Pathway Deferred Income Annuity (DIA) is now available as a QLAC
  Changes in IRS regulations for required minimum distributions (RMDs) now allow a DIA to be offered as a Qualified Longevity Annuity Contract (QLAC). The result is that your clients will be able to postpone taking part of their RMDs until a later age, as late as age 85, thereby conserving their assets. Learn more about American Pathway Deferred Income Annuity.

• American National:
  • Palladium Single Premium Immediate Annuity – new rankings!
    Click here to view a SPIA comparison.

• Athene:
  • Company materials
  • At-a-Glance
• At-a-Glance – for consumers
• Our Story

• First Symetra:
  • Suitability Form – revised
    In an effort to address recent state regulatory developments and improve overall usability, First Symetra National Life Insurance Company of new York (“First Symetra”) is revising the Individual Fixed and Deferred Annuity Suitability Profile that is required with all First Symetra individual fixed and indexed deferred annuity applications.  The new version of the annuity suitability profile (LP-1514/NY 2/15) will be available for use starting 2/23/15. Applications submitted on or after 2/23/15 should be accompanied by the new version of the form. Notable changes include:
  • Replacing free-form boxes with simpler checkboxes
• Moving “Source of income” from the Personal Identification” section to the “Current Financial Status” section
• Adding a product comparison section (existing product vs. new product)
• Eliminating the option to decline providing information
• Question 8a: Adding “Registered/Variable Product” to “Source of Funds.”
• Question 12: Expanded inquiry about the need for withdrawals
• Agent Acknowledgement section” “Are you registered with FINRA?” question has been added. (Note: if funds are coming from a registered product and the agent is not registered with FINRA, business will be rejected.)

• North American:
  • Have You Considered the cost of waiting?
    The 5-Year North American Guarantee Choice now offers one of the top 5-Year MYGA rates from a carrier rated A+ (Superior) by A.M. Best! If your clients have assets on the sidelines or are considering “waiting for rates to improve,” show them the benefits of a multi-year guarantee annuity.

• Protective:
  • Indexed Annuity II – update
    To help you offer a competitive fixed annuity solution to your customers, a limited market value adjustment (MVA) is being added to the product and the calculation for annual penalty-free withdrawals is being modified. Click here for details.
  • Protective Indexed Annuity NY – now available!
    Click here for details. View the current rates!

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• Mutual/United of Omaha:
  • Filling the coverage gap
    Cancer, heart attack and stroke insurance is a perfect addition to the products you already offer your clients.

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• American National:
  • 2015 CASH IS KING for Fixed Annuities(January 1 – April 30, 2015)
    American National is paying a cash bonus for fixed annuities between January 1^st and April 30^th.  Get complete details.
  • 2016 Marketing Conference in Hawaii  (January 1 – December 31, 2015)
    The top 80 qualifiers and their guest will be invited to enjoy six days and five nights at Four Seasons Resort Hualalai in beautiful Kona, Hawaii.  Click here for complete details.
• Athene:
  • Leaders of Olympus  – new annuity incentive  (January 1, 2015 – December 31, 2015)
    Click here for details.

• Genworth Financial:
  • Producer Elite Program  (January 1, 2015 – December 31, 2015)
    The Producer Elite Program is a new, producer-focused tiered incentive compensation program for annuity production.  Click here for complete details.  Also, view the frequently asked questions.

• Mutual of Omaha:
  • LTCI Marketing Credits Program  (November 1, 2014 – December 31, 2015)
    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
• Mutual Sales Leaders in Rome!  (January 1 – December 31, 2015)
  Experience all that is Rome when you qualify for Mutual Sales Leaders in 2015!  Your Mutual of Omaha Medicare Supplement and Simplified Issue Life sales can take you to the Eternal City where you’ll enjoy centuries of iconic achievements in Roman art and architecture. It’s the trip of a lifetime!  Click here for complete details. 

• North American Company:
  • Elite Producer Club – annuity incentive  (January 1, 2015 – December 31, 2015)
    Earn up to 1% extra commission on all North American Fixed Index Annuities in 2015!  Click here for complete details. 

• Protective Life:
  • 1^st Quarter Sales Promotion   (January 15, 2015 – March 31, 2015)
    This new sales promotion will award qualifying agents $25 for life insurance business placed before March 31, 2015.  Click here for complete details. 

• Transamerica:
  • Leading Distributors Convention in Barcelona  (January 1, 2014 – December 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.