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• 5 Life Insurance Game-Changers and Cautions for 2015
• 5 ways to sell more and sleep better at night An industry insider wrote a sales book that could help advisors have a transformational year in 2015.
• The actuaries: Longer client life spans require big shift from advisors Increased longevity requires advisors to shift their focus from retirement income toward a ‘life portfolio.’

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• Genworth Financial:
  • 1099-MISC 2014 Tax Information

• North American Company:
  • Year-end reminders for annuity business

• Transamerica:
  • 2015 commission dates

     

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• Genworth Financial:
  • GenGuard UL discontinued – effective February 16^th

• Legal & General America:
  • A lifetime protection alternative to Index UL You might have clients who meet this description: They’re between 45-75 and need a life insurance policy that will address income replacement, mortgage payoff, family education and estate planning. They would prefer a policy that allows cash accumulation in later years and grows on a tax-deferred basis. You might suggest they purchase universal life insurance with guaranteed death benefits and guaranteed cash values. Death benefits are generally income tax free, and cash values grow tax deferred as long as the policy is in force. Family members and/or significant others are defined as the beneficiaries based on the client’s desired payout and generally a trust is established to clearly define the client’s overall plans. While advice from a financial advisor is always recommended, you can read more now about the alternative to Index UL.
  • Boost portfolio internal rate of return with life insurance As a non-correlated asset in a client’s portfolio, life insurance may be an important component in tax-efficient asset transfers. Some assets may have less value than the client expects because the after-death transfer may result in extra taxes or fees. Permanent life insurance can prevent or minimize losses, help increase the income tax efficiency of the financial plan and transfer more wealth to the beneficiary. Internal rate of return (IRR) analysis has become accepted as a reliable way to measure financial plan efficiency. The rate of return on permanent life insurance is not tied to any other asset class, the money in a policy ultimately passes to beneficiaries free of income tax, and the policy can offer liquidity in later years on an income-tax free basis that the client can access through loans or partial surrenders. Click here for details.

• Mutual/United of Omaha:
  • Why sell GUL? The quality service you deserve!

• North American Company:
  • Illustration software changes for CVAT – effective January 6^th
    North American has added a MEC test and notification to the Cash Value Accumulation Test (CVAT) in their illustration software. For more details, click here.

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• Lincoln National:
  • 2014/2015 e-Pocket tax tables

• Voya Financial:
  • Updated forms required January 1^st – REMINDER As a reminder, all ING branded forms are no longer accepted by Voya Financial.  All forms received at Voya Financial beginning January 1, 2015 must be Voya Financial branded forms. Click here to login and obtain the most current versions of Voya forms.  Additionally, the updated version of the Voya Suitability Profile Form (Form #158670) is now required. Updates were made to the Net Worth/Liquid Assets section on page two.  Other minor changes throughout the form were made to help alleviate not in good order issues.
  • FastTrack – Voya’s online application submission system FastTrack is easy to use, ensures you are using the most up-to-date paperwork, and offers a hassle-free online signature option for customers and agents. Plus, postage costs are a thing of the past with FastTrack online submissions.

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• AIG:
  • AIG Better Ride Contest  (ENDS January 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 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^st and April 30^th.  Get complete details.
  • 2016 Marketing Conference in Hawaii  (January 1 – December 31, 2015) NEW! 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.

• 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

• 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.  View the producer flyer.