October 15, 2014

UPCOMING WEBINARS

Accordia Life:
- October webinar schedule and instructions Get the full schedule here.

Genworth:
- Index UL 101 LIVE – webinar series These short sessions are packed-with-information to give you an introduction to Index UL, tips to starting the conversation and closing the sale, the confidence and know-how to serve your clientele and insightful sales tips to improve your sales volume immediately. Register here!
  - October 16^th – 2:00 PM ET – Index UL Insurance Advanced Sales Concepts: Beyond the Death Benefit
  - October 23^rd – 2:00 PM ET – Introduction to Index UL: A Protection, Accumulation and Retirement Solution
  - October 30^th – 2:00 PM ET – The Mechanics of Index Universal Life Insurance: A Closer Look Inside an Index UL Policy
  - November 6^th – 2:00 PM ET – Retirement Income Strategies: Starting the Conversation and Addressing Objections to Help Close the Sale

Minnesota Life:
- 15-minute sales strategy teleconference – every Wednesday at 10:00 AM CT Dial-in Number: 1-800-910-2399 Passcode: 224032

North American:
- North American’s Fast Track Get up-to-speed with North American’s latest features. This Webinar will put you on the inside track to sales with the latest information on illustration software, and Website features like videos and sales concept kits.
  - October 16^th – 10:00 AM CT
- College Funding A premature death and the rising costs of college tuition can be hard on a family. Help your clients gain financial protection and help pay for college with a college planning strategy.
  - October 23^rd – 10:00 AM CT
- A Place to Call Home Looking for a carrier that can offer a broad portfolio to meet your diverse list of client needs, competitive compensation for you, and the support and training to help you succeed? Then North American is the place to call home for your business. Attend this webinar to learn more.
  - October 30^th – 10:00 AM CT

SALES ARTICLES

No new sales articles to add this week.

CARRIER & INDUSTRY

Fund a Dream, Live the Dream This is a win-win. You help a struggling student achieve their dream of a college education and you could end up in NYC with Boomer Esiason and go behind the scenes on TV and watch him break down all the football action-and much more! Enter the “Fund a Dream, Live the Dream” contest NOW and support the Life Lessons Scholarship Program.
Be a part of Real Life Stories Why not become a part of the Real Life Stories Client Recognition Program? It’s a great way to get your work with clients noticed on a national level and help educate Americans. Share your story about how you helped a client get life, disability or long-term care insurance and how it made all the difference in their lives when “life happened.” If your story is chosen, it will be told in video and flyer forms, which will live on for years to come. Plus you and your client will win a trip to New Orleans. Info on the program and the application can be found at www.lifehappens.org/reallife.
Ethics Requirement for Massachusetts CE View the new continuing education ethics requirement for Massachusetts.

Athene:
- Important compliance notice for agents licensed in Iowa

Genworth:
- Genworth on Meredith Vieira Show Genworth has long been a supporter of the Alzheimer’s Association. They recently had an opportunity to demonstrate their support on the recently launched Meredith Vieira Show on NBC – http://meredithvieirashow.com. On a recent show that focused on Alzheimer’s disease, a group of aligned organizations surprised the host by donating to #EndAlz in honor of Steve Vieira, Meredith’s brother. Wendy Boglioli, Genworth’s national spokesperson, presented a $10,000 check citing Genworth’s long support of the Alzheimer’s Association as well as a wide range of other long term care initiatives. View the segment here: https://www.youtube.com/watch?v=NKv5VBDmOew.
- Genworth PRO updates

MetLife:
- Restructuring of MetLife Companies – IMPORTANT View this important notice regarding sales of MetLife life, annuity and individual disability products on the weekend of November 14-17, 2014.

Transamerica:
- AMB 3952 – General Agent’s Duty to Inform Transamerica of Adverse Events All producers and agents have a continuing duty to inform Transamerica of events that occur after appointment that would change the answers to background questions in the appointment application. Agency Managers’ Bulletin 3952 provides you with a guide to professional conduct as well as examples of events that would need to be reported to Transamerica.

LIFE INSURANCE

AIG:
- Laddering strategy with AG Select-a-Term In this true case, learn how one financial professional built a custom solution using the laddering strategy with AG Select-a-Term. For more cases, visit the new success stories playbook.
- Waiver of monthly deduction with Chronic Illness Rider eligibility Accelerated Access Solution is available on AG Secure Lifetime GUL II and Elite Index II policies. Policy payments stop, including base policy and rider expenses, while insured is eligible for benefits. (Insured must be certified as chronically ill by a licensed physician and meet all eligibility requirements.)
- Elite Index II & Elite Survivor Index II now available in NY & CA Click here to read the announcement.

Legal & General America:
- OPTerm Rate Change Get details here.
- New applications and related forms for Arizona Arizona has joined the IIPRC and has been added to the group of Compact states for the use of the IIPRC approved forms. As a result, Arizona will now be using the following forms rather than the originally approved state specific or generic forms: (Former versions of these forms will be accepted until November 14, 2014.)

MetLife:
- Good Order deadline for GAUL is October 17^th – reminder All applications for Guarantee Advantage UL must be received in the home office and in good order by October 17, 2014. Click here for the bulletin.

Mutual/United of Omaha:
- Underwriting Chronic Atrial Fibrillation Chronic Atrial Fibrillation is the most common abnormal heart rhythm. See how Mutual of Omaha’s underwriters might handle an Atrial Fibrillation case. Having the right life insurance in place can make a world of difference for your client’s future. Use our Sales Illustrated approach and flyer to help show options for both short-and long-term needs.
- Building a Customized Family Protection Plan Most families have short-term and long-term life insurance needs. Identifying each helps clients build a customized, affordable life insurance plan.
- Guaranteed Universal Life (GUL) – a great choice for your clients If your client wants more coverage at an affordable rate, GUL may be what they are looking for.
- An alternative to Return of Premium (ROP) Term Consider GUL with the Guaranteed Refund Option!
- Sales Leads OnDemand – USADATA October Promotion Sales Leads OnDemand enables you to order and receive a targeted list of sales leads in minutes. Receive $20 off your order in October.

North American Company:
- Make the application process faster and easier with SimpleSubmit (IMPORTANT NOTE: At this time, SimpleSubmit is only available for Managing General Agencies.)

Protective Life:
- Another Fact or Fiction The planet Mars is red. Click here for the answer. Or, go directly to get a Custom Choice UL quote.

SBLI:
- Top 10 reasons to sell SBLI Whole Life

Symetra:
- Lapse Protection Benefit (LPB) Premier Pricing With Symetra’s new LPB Premier pricing, Symetra Classic with Lapse Protection Benefit performs even better against the competition at higher death benefit amounts. LPB Premier provides lower annual premiums for your larger Classic with Lapse Protection Benefit cases, with premiums averaging 6-10% less than the #2 ranked GUL carrier.

Transamerica:
- TransNavigator Index Universal Life (IUL)
- New DMF form required with permanent and term products A new Beneficiary/Additional Insured Information supplemental form (DMF 2014) is required with applications on all Transamerica permanent and term life products. Download this flyer for more information on the form, product exemption and transition rules.

Voya Financial:
- Cardiac Risk Assessments Even your cardiac cases may now be Preferred! Take a look at this example resulting in a Preferred rating for 70-year old Amy Carrol.
- Cash Value Life Insurance – An Untapped Resource for the Middle Class Head of Life Distribution Dave Wilken authored this article for Life & Health Advisor, highlighting the benefits of cash value life insurance for middle market households.

COMBO PRODUCTS

Genworth Financial:
- Total Living Coverage

ANNUITIES

Annuity awareness leads to growth Annuity awareness should be an ongoing initiative for our industry not just a focus during Annuity Awareness Month.

American National:
- 4 one-year strategies to meet your clients’ needs ANICO Strategy Indexed Annuity PLUS – ASIA PLUS 7 and ASIA PLUS 10

Athene:
- Application deadline for Athene Annuity (DE) version of ATHENE Benefit 10 The application deadline for the Athene Annuity (DE) version of ATHENE Benefit 10 has been extended to November 10th in AK, MA, MO and VT.

Genworth Financial:
- Current annuity rates

North American Company:
- 10-Year MYGA Interest Rate Special – effective October 14^th to November 14^th Interest rates are increasing on Guarantee Choice AND Guarantee Choice II Multi-Year Guarantee Annuities (MYGA) 10-Year effective October 14, 2014 through November 14, 2014. Click here for details about the Guarantee Choice special. Click here for details about the Guarantee Choice II special.
- Great MYGA Rates – don’t miss the 4-year frenzy – limited time only! Click here for details!
- IncomeChoice 10 Commission Special – effective October 14^th
  IncomeChoice 10 is offering a 2.00% commission increase to 8.00% effective October 14, 2014. And, the minimum premium is now $20,000 (it was $50,000). And, it has new higher interest rates that were effective September 30, 2014. There’s no better time to sell the IncomeChoice.

LONG TERM CARE

5 ideas for selling long-term care insurance to Gen X Other than getting to know your Gen X consumer, these five ideas will increase your LTCI sales.

Genworth Financial:
- Dispel the Myths November is Long Term Care Awareness Month, and there’s no better time to address some of the myths surrounding this major client risk. This fact-filled brochure gives you the inside scoop on common long term care (LTC) misperceptions, regarding:
- Privileged Choice Flex 3 launching in CT, FL & MT – effective November 17^th Read the bulletin.
- eValuate your opportunities more quickly Many producers have been asking for help quoting long term care insurance for their clients. Genworth is excited to offer eValuate, a new Field Underwriting tool to do just that. Using the tool’s reflexive questions on medical conditions and as-you-go results, you can be even more confident you have selected the best underwriting category for your client. eValuate is now available for both Privileged Choice Flex 2 and Privileged Choice Flex 3 cases. See how eValuate can help you choose the best rate class for your client.

John Hancock:
- 2013 and 2010 in-force rate action notifications for late October – reminder The 2013 in-force rate action includes John Hancock LTCI individual policies originally issued in New Mexico and Wisconsin. And in Arizona, implementation will continue and notifications will begin for additional products. The 2010 rate action applies to John Hancock and Fortis LTCI individual policies in Texas, where implementation will continue and notifications will begin for additional products. Click here for complete details. Please note: The phone number to call with any rate action questions or inquiries has changed to 888-654-6582.
- LTC Quiz – updated The LTC Quiz brochure is an interactive tool you can use to assess your clients’ knowledge about some of the common myths and facts surrounding long term care issues. What your clients learn may surprise them and encourage them to consider purchasing LTC insurance. The brochure is approved in all states except Hawaii. Click to view and download the Compact version and Non-Compact version.
- Learn LTC Captivate with training presentations LTC Captivate is an online system that supports an entirely paperless sales and application process. It enables producers and their clients to conduct business in settings and time frames that better suit their mutual needs. Learn more by visiting the training module.
- Updated Sponsored Group Consumer Materials – reminder Now that employee benefits season is here again, it may be a good time for you to seek out new LTC insurance sales opportunities in the worksite and affinity marketplaces. John Hancock is prepared to support your efforts by providing you with updated consumer marketing material for the Sponsored Group Discount Program, available in all states except Hawaii. Get a list of materials for Employer and Affinity markets.
- Help Your Clients Prepare for the Paramedical Exam John Hancock has developed a consumer brochure – Preparing for Your Paramedical Exam – to help your clients know what to expect so they can be fully prepared for the paramedical exam. The brochure is not available in New York; and there is a Florida-specific version.
- 2015 Minimum Benefits for Partnerships in CT, IN & NY Minimum benefit levels for Partnership products have been announced. Effective January 1, 2015, all Partnership policies in Connecticut, Indiana, and New York must meet or exceed the state-mandated minimums. Click here for complete details. John Hancock will provide you with minimums in California as soon as they become available.

Mutual of Omaha:
- LTC Sales Ideas Check out this LTC Sales Ideas Booklet!

DISABILITY & CRITICAL ILLNESS

Mutual/United of Omaha:
- Filling the tax gap with short-term disability Get more information on helping your clients fill the tax gap with short-term disability insurance.

MEDICARE SUPPLEMENTS

Mutual of Omaha:
- Household Discount Learn more about the Medicare supplement household discount.
- Rate adjustments – for December View the rate adjustments for Modernized in-force plans effective December 1st in Nebraska and Virginia.

AGENT CONTESTS

AIG:
- Win $1,000 gift card or iPad (ENDS 10/31/2014) Now is a great time to explore how accident and health (A&H) products can strengthen clients’ financial resources while creating new income streams for your business. View the contest rules and a 15-minute training session are available on the contest website.
- 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 1/1/2014 – 12/31/2014) 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.

Athene:
- Top Producers Dublin 2015 (1/1/2014 – 12/31/2014) 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 (10/1/2014 – 12/31/2014) 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 (1/1/2014 – 12/31/2014) Discover South Africa – April 15 – 24, 2015! Click here for details.
- The 2015 Masters Tournament – April 6-12, 2015 (8/1/2014 – 12/31/2014) Click here for official rules, award information and qualification details!

Lincoln National:
- Double Your Credit (7/1/2014 – 12/31/2014) 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.

North American:
- Elite Agent Bonus Program (1/1/2014 – 12/31/2014)

Transamerica:
- Break Away and Travel with Transamerica (4/1/2014 – 12/19/2014)
  - Agents who place $25,000 of premium (minimum 3 TLIC life applications) will earn a 3-day vacation package valued up to $1,400 for yourself and a guest.
  - Agents who place $75,000 of premium (minimum 5 TLIC life applications) will earn a 5-day vacation package valued up to $5,000 for yourself and up to 3 guests.
  - Click here for complete details.
  - Long Term Care production can help you win the above trip! Now earning your Break Away is even easier. Long Term Care production is being included towards qualifying! View the Break Away travel site for complete details.
  - Break Away and Hit the Links! Transamerica is excited to announce new destination options for Break Away. By popular demand, singles golf outings are now available! That’s right, by qualifying for a three-day Break Away prize package, you could find yourself teeing off under the blue skies of Palm Springs, California or enjoying the sea breeze on Amelia Island, Florida. Sell more, go farther! By qualifying for the second level Break Away prize package you can take your pick from the world famous courses of Pebble Beach, Pinehurst, and six TPC courses including Sawgrass and Scottsdale! All golf packages are for one person. Challenge your friends to qualify for their own trip and meet you on the greens! Start planning your outing today! View the new golf packages here.
- 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.

Weekly Newsletter October 15, 2014

October 15, 2014

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