• Accordia Life:
  • October webinar schedule and instructions
    Get the full schedule here.
  • Accordia Life Product Portfolio
    A review of all the products that Accordia Life has to offer. They’ll go through each of their products in detail and provide sales situations where each product could provide a solution for your client. Dial-in Number: 1-855-282-6330 Audio Pin: 298 924 919
  • October 23^rd – 2:00 PM CT
  • Retirement Path Roadmap Overview
    Get an overview of the Retirement Path Roadmap selling system. This simple system can help you calculate your client’s retirement income based on their goals and objectives. It can also identify gaps based on analysis of their current retirement assets. Dial-in Number: 1-855-282-6330 Audio Pin: 299 983 138
  • October 30^th – 2:00 PM CT
• AIG:
  • Annuity webinars
    Click here for the Fall schedule and instructions.
  • October 24^th – Income Generation Value Add
  • November 7^th – Income Generation Value Add
  • November 21^st – Immediate and Deferred Income Annuities
  • December 12^th – The Good, The Bad and The Opportunities

• Genworth:
  • When, Why and How to Sell IUL over GUL
    This sales-oriented webinar will walk you through the trade-offs of the premium cost, no-lapse guarantee and the potential for cash value growth between Guarantee Universal Life (GUL) and Index Universal Life (IUL) Insurance. You will come away with the important sales knowledge needed to successfully sell IUL to clients interested in cash values and cost effective death benefit.
    • October 22^nd – 1:00 PM CT
  • 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 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
    • October 22^nd – Diversify your tax options
  • Business Benchmark Valuations
    • October 30^th – 10:00 AM CT

• North American:
  • 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

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• You had me at hello
  First impressions are vital in any customer-service business. And a good one can really make you stand out.
• Conventional wisdom in charitable planning needs a change
  If a couple wants to save estate taxes, then just tell them to give away all of their assets to charity.
• Trust-owned life insurance = opportunities for insurance professionals
  With interest rates at record lows, TOLIs should be reviewed regularly to determine the risk of lapse.
• A Q&A with 5 of the most successful advisors in the industry
  We picked the brains of the top five Advisor of the Year finalists at the 2014 Advisor Network Summit in Las Vegas.
• The Sound of Service
  Good service means listening more than you talk. Learn how to be a better listener from North American’s Sales Development team.
• How can your client bring up the subject of life insurance with loved ones?
• 7 ways you can work better with women
  How insurance professionals can better connect with female prospects and clients.
• Aging myths and their impact on your practice

• Athene:
  • A.M. Best improves Athene’s outlook and reaffirms rating
    Earlier today A.M. Best upgraded Athene USA’s outlook to positive from stable and affirmed the company’s financial strength rating of B++ (Good) and the issuer credit ratings of “bbb+”. Click here to view the announcement.

• Legal & General America:
  • Year-end closing/cut-off dates

• MetLife:
  • Restructuring of MetLife Companies
    Important notice regarding sales of MetLife life, annuity, and individual disability products on the weekend of November 14-17, 2014.

• Mutual/United of Omaha:
  • End-of-Year Pay Schedule

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• AIG:
  • Help your clients protect their family assets
    Watch this new video to learn how chronic illness coverage can play a key role in protecting family assets. Check it out on the “Telling the Story” page via RetireStronger.com; where you’ll also find all the training materials you need for the Retire Stronger campaign.
  • Life Insurance Awareness Month marketing materials available year-round
    Looking for generic marketing materials that support the fundamental value of life insurance? Go to www.AmericanGeneral.com/masterplaybook and click on “Life Insurance Awareness Materials” under resources for non-product specific and non-carrier specific infographics, statistics, videos and more.
  • Index Universal Life for protection and growth potential
    Cost-effective Index Universal Life can offer many of the same benefits that you receive from guaranteed universal life plus even more. Learn about Elite Index II.
  • More than a great price with AG Select-a-Term
    Learn how you can customize clients’ term policies with various competitive designs and riders.
  • Help your clients with “Retirement Insurance”
    With the decline of defined benefit plans in the workplace over the last two decades, the responsibility for funding retirement plans has shifted from employer to employee. Once clients have their plan in place, the need to protect it is greater than ever before. Learn how it works here.

• Genworth Financial:
  • Life Insurance applications and form enhancements – effective November 24^th

• MetLife:
  • Top reasons to choose MetLife
    9 ways MetLife works with you to help move business forward.
  • On-line tools take field underwriting to the “Tech Level”
    Learn about the tools that will help you make field underwriting easier and more accurate.
  • MetLife offers favorable rates for clients with Breast Cancer
  • Tips to avoid NOGO applications
  • New Reinstatement Application available in 8 new states

• Minnesota Life:
  • EPIC – a new paradigm in estate planning
    Because of recent tax law changes, your clients’ estate plans may be outdated. More and more clients are keeping assets in their estates due to the permanent $5.34 million estate tax exemption. EPIC (Estate Planning, Individually Centered) transcends traditional estate planning from just planning for what happens at death into planning for both life and death. Get more information below:
  • Advisor/client overview
  • Consumer brochure
  • Married fact finder
  • Individual fact finder
  • Customizable presentation invite
  • Customizable webinar invite
  • Discussing tax diversification
    Your clients might want to consider diversifying their tax planning strategies. Tax diversification can help them reduce taxes and increase total spendable income. Discussing tax diversification with the client can be an effective way to introduce cash value life insurance and its advantages. Check out this Tax Efficiency Worksheet designed to help make this strategy easy to understand for your clients. So the next time you wish to introduce income tax strategies to the client, use the three bucket approach. Grouping assets by three tax categories – “taxed today,” “taxed tomorrow” and “tax-advantaged” – helps illustrate how those assets are affected by taxes.
    Think of them as buckets
  • “Taxed today” assets consist of salary, investment income, savings, stocks and other such vehicles.
  • “Taxed tomorrow” assets are retirement assets like IRAs, 401(k)s and annuities. Most of a client’s income and assets usually go into these two “buckets.”
  • The “tax-advantaged” bucket should also be considered in order to diversify the client’s accumulation and income tax strategies. This bucket consists of municipal bonds, Roth IRAs and cash value life insurance. Some clients ignore bonds because of the low investment return, while Roth IRAs will be a problem for clients who have reached the income restriction. Therefore, for clients who need life insurance protection, cash value life insurance might be considered because the client receives tax-deferred accumulation and tax-preferred access later on.

• Mutual/United of Omaha:
  • Term Life Express drug exclusion list
  • Product Portfolio & Underwriting Guide – updated
  • Provide added flexibility by considering more than one GUL policy
  • SALES IDEAS for the Guaranteed Refund Option rider – NEW!
    One concern that some clients have about a GUL policy is the lack of flexibility. The Guaranteed Refund Option rider helps overcome that objection – and it’s included on all qualifying GUL and GUL Plus policies at no additional cost. With this rider, at the 15th, 20th and 25th policy anniversary, clients have a 60-day window where they have the opportunity to surrender their policy and get their ‘stash’ back – no questions asked! Click here to learn how the GRO Rider works. Get sales ideas below.
  • The living benefits of GUL – How the GRO and ABR riders add flexibility
  • Using the GRO rider in business planning cases
  • How the GRO rider can provide flexible options for retirement
  • The GRO rider as an alternative to ROP term
  • Purchasing two GUL policies can provide added flexibility

• North American Company:
  • Check processing – improved efficiency
  • Application forms for Pennsylvania – clarification
  • List Bill guidelines –updated
    View the letter that explains the changes to policy-owners.

• Protective Life:
  • Another Fact or Fiction
    There are 50 “states” in the USA. Get the real facts here, or go straight to get a Custom Choice UL quote.

• Prudential:
  • Founders Plus UL
    Watch this video to learn about a more flexible, cost-effective alternative to traditional UL.

• Transamerica:
  • Buy-Sell Agreement Funding – sales tip
    Companies often struggle to function after an owner or a partner in the business passes away or suffers a debilitating condition. It is important for businesses to have buy-sell agreements in place and even more important for those agreements to be funded. Current and potential small business clients can use Trendsetter LB to fund their buy-sell agreements and take care of multiple funding obstacles with one product.
  • In the event an owner/partner dies, the death benefit can be used to buy out the owner’s shares of the business.
  • In the event of a chronic or critical illness the acceleration of the death benefit can be used to either continue the owner/partner or buy out his shares in the business.
  • The death benefit or the acceleration can be positioned as funds to help maintain the business until the owner/partner recovers or a replacement is found.
  • Last day for TransACE 2013 applications is October 24^th – reminder
    Here are the updated transition rules for TransACE:
  • Applications submitted and seeking to receive the 2013 TransACE rates (and 13-week rate-lock period) must be signed and received in good order in the Home Office by October 24, 2014.
  • Applications submitted on or after October 25, 2014 will be issued as TransACE 2014 policies.
  • All policies currently in house and not issued by October 25, 2014 will be issued as the policy applied for if issued within the current rate lock period or will be issued as TransACE 2014 policies in any subsequent rate lock periods.

• Voya Financial:
  • Top 12 Underwriting Guideline Advantages for fully underwritten business
  • Premium financing opportunity with the new Premium Deposit Fund Rider
    Clients can take out large loans at lower interest rates.

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• 5 answers every investor needs to know about annuities
  On the eve of the 2014 IMO Summit, NAFA has released a paper that helps advisors educate their clients.

• Genworth Financial:
  • SecureLiving fixed annuities application enhancements – effective November 3^rd

• Mutual/United of Omaha:
  • Important information about designated payees

• North American Company:
  • IncomeChoice 10 – enhancements
    For clients seeking income growth potential, NAC IncomeChoice 10 can be an ideal solution with a built-in GLWB.
  • Volatility Control Index – NEW
  • Annual Point-to-Point Crediting Method with Index Margin – No Cap – NEW
  • Increased Interest Rates
  • Commission special
  • Up to 8% Compensation for Limited time
  • $20,000 Minimum Premium
  • New application & suitability forms
  • New Volatility Control Index
    Have you seen the newest trend to hit the industry? North American innovates with integrity by offering client-focused solutions that are stable and built for the long-term.
  • Annual Point-to-Point with Index Margin
    No Cap, simple design with upside potential
  • S&P 500 Low Volatility Daily Risk Control 5% Index
    Stable returns in different market scenarios, proven index provider in S&P who offers index transparency through public website

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• 5 reasons why consumers flunk LTC planning
  Sloth, denial and tight budgets may not be the only villains.

• Genworth Financial:
  • LTC Insurance Unwrapped – insights that can help you grow your business
  • Consumer Participation Agreement forms for NY – updated

• Mutual of Omaha:
  • LTC Conversation Starters
    Use these three methods to begin the LTC conversation.

• Transamerica:
  • LTC News – October 16^th issue
    In this issue:
  • Get Ready for LTC Awareness Month
  • LTCi Affordability & Simplicity Now
  • Enhancements to Multi-Life Billing
  • Sales Agreement Reminder

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• Mutual/United of Omaha:
  • DI sales & marketing process
    Use this for:
  • Finding people to talk to
  • Show the need for income protection
  • Providing the Solution
  • Completing the application
  • Delivering the policy
  • New Beginnings launching in DC, GA, ND & OR – effective October 27^th
    New Beginnings is the new Cancer, Heart Attack and Stroke Portfolio.

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• Mutual/United of Omaha:
  • It’s Showtime – the Medicare Open Enrollment Period (OEP) has begun
  • 2015 Medicare Copay & Deductible amounts
  • e-App Voice Signature
    There is now an expansion of states that have the voice signature function for replacement business.
  • Rate Adjusments
  • Rate adjustment for Florida Medicare Supplement – effective November 1^st
  • Rate adjustment for Florida SELECT – effective December 1^st
  • Rate adjustment for Arizona in-force only – effective December 1^st
  • Rate adjustment for Louisiana in-force only – effective January 1^st
  • Complete Medicare training certification by December 31^st
    Any producer who receives renewal commissions for Part D sales from Mutual of Omaha must certify annually to continue to receive renewal commissions for Coventry Medicare Part D Plans.

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• 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)
  • 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:
  • 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.

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