September 24, 2014

• Genworth:
  • Index UL 101 LIVE – webinar series Designed for busy financial professionals, these short yet packed-with-information sessions will 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.  Conducted the same day and time every week, these live and interactive webinars are just what you need to gain a competitive edge. By investing less than an hour a week, you’ll have access to this sharply focused sales education series along with several bonus sales tools.  Register here!
    • September 25^th – 2:00 PM ET – The Mechanics of Index Universal Life Insurance: A Closer Look Inside an Index UL Policy
    • October 2^nd – 2:00 PM ET – Retirement Income Strategies: Starting the Conversation and Addressing Objections to Help Close the Sale
    • October 9^th – 2:00 PM ET – Beyond the Death Benefit: Building Cash Value with Index UL Insurance
    • October 16^th – 2:00 PM ET – Index UL Insurance Advanced Sales Concepts: Beyond the Death Benefit

• MetLife:
  • Secure Flex Universal Life Firm Training Dial-in #: 800-553-0288
  • September 25^th – 11:00 AM ET
  • October 8^th – 2:00 PM ET

• Minnesota Life:
  • 15-minute sales strategy teleconference – every Wednesday at 10:00 AM CT Dial-in Number: 1-800-910-2399 Passcode: 224032
    • September 24^th – Estate Planning, Individually Centered (EPIC)
  • Omega Builder IUL Training
    • September 25^th – 10:00 AM CT
  • Estate Planning – Individually Centered (EPIC) A new turn-key approach to estate planning.
    • October 2^nd – 1:00 PM CT

• North American:
  • 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.
  • September 25^thM – 10:00 AM CT

• MetLife hopes campaign will help change perceptions of life insurance An interesting take on marketing for life insurance, MetLife is promoting it affirmatively as a way to “live for” the loved ones in your life. #WhoILifeFor.
• Continuing Education Needed? It’s important to fulfill your state(s) continuing education (CE) requirements each renewal period. Here’s a convenient way to help you meet these requirements.
• October 2014 Holiday Telephone Solicitation Bans Please observe these solicitation bans for Alabama, Louisiana, Rhode Island and Utah.
• Answers to 5 questions posed to NAIFA’s independent advisors – infographic This infographic spans much discussed regulatory, political and practice topics that are top-of-mind for advisors.

• AIG:
  • AIG Life Brokerage appoints William Sloan as RVP

• Voya Financial:
  • See Voya Financial on NBC Today View the welcome video that Carson Daly, NBC Today Show’s “Orange Room” host, put together for them.

• AIG:
  • Understanding the “life” in life insurance In A.M.BestTV’s recent interview with John Deremo, AIG’s head of distribution for life products talks about how Americans will require life products that perform multiple functions.
  • Unique benefit payment option for Chronic Illness Living Benefit Rider The Accelerated Access Solution offers Optionality with monthly benefit payments. Options include an IRS maximum per diem at time claim begins – providing a form of inflation protection for the policy owner’s benefit.

• Legal & General America:
  • Duplicate applications – new rules

• MetLife:
  • QuickPredict tool helps identify clients’ potential rating class – NEW! Introducing QuickPredict, a first-of-its-kind, mobile field underwriting tool.   This individual life insurance underwriting tool can help producers determine early in the fact-finding process whether a client may qualify for an Elite or Preferred rating class, based on 11 key risk factors. After using MetLife QuickPredict and running an illustration based on the indicated possible rating class, producers can provide clients a more accurate policy premium estimate.
  • MetLife Secure Flex Universal Life – NEW! Secure Flex UL features an innovative guarantee provision called the MetLife Ultimate Charge Guarantee that guarantees current policy charges after the no-lapse guarantee period ends. This is in addition to the built-in life expectancy secondary guarantee and added benefit of efficient cash value growth potential. It all amounts to a Universal Life product that offers the predictable and reliable performance and flexibility clients want and need.
  • MetLife Solutions – updated to include Secure Flex UL MetLife Solutions has been updated to include the new MetLife Secure Flex Universal Life (MSF) product. WinFlex will be updated with MSF at the same time.
  • MetOnline/eSERVICE allows clients to make more account payment changes – reminder
    Clients can now stop payments or change bank account information online.

• Minnesota Life:
  • Guiding you to the right products Finding a policy that works for your client can sometimes be difficult. Now you have a tool that helps determine an appropriate life insurance product based on your clients’ needs and desires.  Check out the new Life Insurance Decision Engine. It will help you help your clients determine the life insurance solutions appropriate for their situation.
  • Benefit Distribution Agreement (BDA) – more life on your terms With the Benefit Distribution Agreement (BDA), your clients can pay a lower premium while maintaining their desired total benefit. Check out the competitive comparisons to see how our Advantage Elite Select Term Life Insurance provides the lowest premium payment option when pairing it with our Benefit Distribution Agreement.
  • Quick eApp – the paper age is over Quick eApp will allow you to spend more time serving clients or selling than on paperwork. Save yourself and your clients valuable time. Use Quick eApp for your next life insurance application.

• Mutual/United of Omaha:
  • The New Guaranteed Refund Option Rider and GUL re-price Give your clients an option to get their cash back. Introducing the new Guaranteed Refund Option rider.   And, GUL premiums are being lowered on October 1, 2014.
  • Layering term policies to meet your client’s needs Layering can be an effective way to get the life insurance coverage you need for the length of time you need it.
  • Reward your clients for being fit Your clients can benefit from an underwriting credit program called Fit. With Fit, clients who have certain health conditions may be rewarded with medical and lifestyle credits, earning them a better rate class and lower premiums.  Unlike many competitor programs that only apply to permanent policies, the Fit program applies to term insurance. The Fit program also has more generous qualifying ages. While most competitor programs only give credits through age 65 or 70, Fit allows credits for clients up to age 75. This means you can offer your clients – even your older clients – the potential for a better rate class and a lower premium. It may be just what you need to help you save an otherwise unaffordable sale.  Learn more about Term Life Answers and the Fit Program.

• North American Company:
  • No-fuss flexibility for future needs When clients need a guaranteed death benefit, they can turn to North American’s Custom Guarantee universal life insurance.   But what if their needs change? With the Guaranteed Exchange Privilege, your client can exchange a Custom Guarantee policy for one of North American’s cash accumulation products-without evidence of insurability.

• Protective Life:
  • An average 6% lower premium starts here Don’t miss this opportunity to deliver an average 6% lower premium for a 30-year initial level death benefit period with $500,000+ face amounts with Protective Custom Choice UL!  Get a quote here.
  • Underwriting Guide – updated Protective’s Underwriting Guide was recently updated to correct an error in the Select Preferred and Preferred Guidelines.

• Prudential:
  • Founders Plus UL is a flexible, cost-effective alternative to traditional UL Along with death benefit protection, Founders Plus offers an extended no-lapse guarantee and a choice of two accounts that help accumulate cash value.

• Symetra:
  • Lapse Protection Benefit (LPB) Premier now available in California LPB Premier is a unique program designed to provide premier pricing for your larger Classic Universal Life with Lapse Protection Benefit (LPB) cases.  With LPB Premier pricing, premiums average 5-8% less than Symetra Classic with the Lapse Protection Benefit rider through age 70, and 6-10% less than the No. 2 ranked carrier in the sweet spot age group.
  • Cases that meet certain age and face amount criteria will automatically qualify for LPB Premier pricing.
  • Premier pricing is currently available for illustration on Winflex. You do not need to select LPB Premier as an option when illustrating cases. Premier pricing will automatically be illustrated if your cases meet the age and face amount criteria. “LPB Premier” and a “0914” date will appear in the illustration footer.
  • With LPB Premier, clients receive the same protection against policy lapses provided by our Lapse Protection Benefit rider, assuming premiums are paid as illustrated. Face amount decreases are not available within the first three full policy years.
  • LPB Premier pricing will be applied to pending/approved cases. The Symetra Life Sales Desk will contact brokers with revised illustrations for cases that are currently in process.
  • LPB Premier pricing creates opportunity for Private Financing Strategy – success story
    Many clients recognize the value of an irrevocable life insurance trust (ILIT) funded with life insurance as an effective estate planning technique. However, they may have already met the limitations for their lifetime gift tax exemption or exclusions, or prefer not to use them to cover the life insurance premium. If so, they may want to consider a private financing strategy. Find out how using a private financing strategy can create a success story for your clients.
  • Underwriting requirements and preferred guidelines – updated
  • Top 10 reasons to consider Survivorship Life The American Taxpayer Relief Act of 2012 brought long-awaited clarity to estate tax rules. While many estates now fall below the federal exclusion amount, survivorship life insurance may still help provide valuable estate tax and wealth transfer solutions for your clients. Check out the Top 10 Reasons for Survivorship Life Insurance.

• Transamerica:
  • TransACE 2014 and Trendsetter Super 20 price adjustments
  • Find Higher Value Sales – sales strategy Effective producers talk about value and options rather than price. Use these new sales tools to have more successful client conversations.
  • Uncover Hidden Advantages of GUL
  • Fill the Gap in a Portfolio
  • TransNavigator – new Index UL Do you have clients seeking life protection and growth potential? TransNavigator is an IUL built to compete in today’s market with a choice of Index Accounts and an LTC Rider.
  • Quick Facts
  • Illustrated Rate Flyer
  • Now available in CA With the release of TransNavigator in California, the Freedom Index Universal Life II and Freedom Global IUL II products are being withdrawn. Applications for those products must be signed, and received in good order in the Home Office by October 17, 2014. This date assumes the TransNavigator is available as of September 17, 2014.
  • Foreign Nationals sales made easy with this iPad App Life Sales version 5.0 is here! Navigate three simple steps to request a Foreign Nationals proposal.  Download the iPad App here.
  • Life Insurance is the solution to life changes – be sure to plan regular reviews We all have an important role to play in helping families protect the long-term security of their loved ones.
  • Policy Review Brochure
  • Policy Review Worksheet
  • When In-Laws Become Out-Laws Clients should consider these options to plan for and protect their legacies.
  • Worth Article
  • New form required with UL and Term products A new Beneficiary/Additional Insured Information supplemental form (DMF 2014) is required with applications on all Transamerica universal and term life products. Download this flyer for more information on the form, product exemption and transition rules.

• The little-known IRS rule that could change your client’s retirement plan Clients can use funds earmarked for retirement to implement an annuity strategy that guarantees income during retirement while they are still working and contributing to a 401(k).

• AIG:
  • New IRS regulations allow greater flexibility Deferred income annuities are now allowed to be made available as Qualified Longevity Annuity Contracts (QLACs), which will be excluded from required minimum distribution (RMD) calculations when certain conditions are met. See the FAQs.

• American National:
  • ASIA PLUS death benefit discontinued On September 1st, the Death Benefit on the ASIA PLUS Lifetime Income Rider was discontinued. As a result, the following changes were made to the Lifetime Income Rider Disclosure Forms:
  • Form 10637 expired – new form 10662
  • Form 10637-NC expired – new form 10662-NC
  • Form 10637-NJ expired – new form 10662-NJ

• Athene:
  • MaxRate 5 to be discontinued – effective October 3^rd
    Athene MaxRate 5 and MaxRate 5 Enhanced Liquidity (EL) multi-year guarantee annuities will be discontinued after October 3, 2014. The AtheneMaxRate 7 and MaxRate 7 Enhanced Liquidity (EL) products will remain available in all approved states.  Download the state availability chart for the latest information on the availability of Athene Annuity products.
    Application Deadlines To be accepted for processing, MaxRate 5 applications must be received in good order in the Home Office by October 3, 2014. Funds must be received by November 14, 2014 or business will not be issued.  New forms for MaxRate 7 and MaxRate 7 EL will be required for applications received after October 3, 2014. Forms for your state can be downloaded from the Athene Annuity Sales Resource Center.

• Genworth Financial:
  • Client online access to SecureLiving Index Annuity contract information now available

• Lincoln Financial:
  • Lincoln Leader for fixed annuities – publication In this issue:
  • Lincoln Deferred Income Solutions Annuity: Available in Maryland
  • Fixed Indexed Annuity Annual Statement Guide
  • CI Corner: Volatility-Managed Index
  • First Quarter Credited Rate Histories
  • Payment Options for Income Annuity Illustrations
  • Where do Fixed Indexed Annuities Fit?
  • Telephone Withdrawals
  • August Forms Release
  • Updated Buyer’s Guide Requirement for RI and OK
  • 50-State Agent Solicitation Chart Updated
  • State Insurance Licensing and Training Requirements for TX

• North American Company:
  • New Volatility Control Strategy – launching September 30^th This new innovative strategy – Volatility Control – will be available on North American’s RetireChoice and IncomeChoice products.  In preparation of the launch, advisors are requested to prepare and complete product training.
  • Hot rates! North American has made big changes across their portfolio to give you market-leading solutions for your clients, especially on 10-year products.  Visit www.NorthAmericanCompany.com to run client illustrations today! Check out what they offer you:
  • Growth potential Rates increased across most of our fixed index annuity products – some index caps up to 50bps higher!
  • Strong guaranteed income NEW Lifetime Payment Percentage (LPP) increases on IncomePay GLWB!
  • Competitive compensation
  • Dependable carrier A+ (Superior) Rated by A.M. Best

• Voya Financial:
  • Wealth Builder 6 & 8 – NEW! Wealth Builder 6 and Wealth Builer 8 are indexed annuities focused on accumulation; while maintaining protection of principal.  Please see the rate sheet.  Product specific is available below.
    • Wealth Builder 6/8 Standalone Product Training: for producers who have already completed all other product training.
    • Combined ALL Product Training: for producer who have not completed any training.

• Genworth Financial:
  • In-Force Rate Action implementation announcements
  • California Partnership
  • Indiana Partnership

• Mutual of Omaha:
  • MutualCare Solutions launching in Connecticut – effective October 1^st Get the pertinent information on the new LTCi portfolio – MutualCare Solutions.

• Transamerica:
  • LTC News – September 18^th edition In this issue:
  • Multi-life Focus Wrap-up Are you ready to join the fastest-growing area of LTCi?
  • Transamerica Secure & TransCare III now available in Florida
  • Transamerica LTC Stand-alone Policy Highlights Get a brief summary of each of our stand-alone LTCi policies: Transamerica Secure, TransCare III and TransCare II.
  • USA Today Brings LTCi to Forefront LTCi makes news in mainstream media again, signals growing need from middle-market consumers.

• AIG:
  • Chronic Illness insurance The average out-of-pocket cost for cancer patients is $1,266 per month. Learn more about chronic illness insurance (CI) as an alternative to chronic illness living benefit riders, the products and a sales contest.

• Mutual/United of Omaha:
  • Share the DI Self-Test Make sure your clients are prepared for the unexpected. Encourage them to take this DI Self-Test.

• AIG:
  • Win $1,000 gift card or iPad  (8/1/2014 – 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.

• Genworth:
  • 2015 Distribution Leaders Summit  (1/1/2014 – 12/31/2014) Discover South Africa – April 15 – 24, 2015!  Click here for details.
  • Flex Effect LTC Sales contest  (ENDS 9/30/2014) For every Privileged Choice Flex, Privileged Choice Flex 2 and Privileged Choice Flex 3 Long Term Care Insurance application received between July 21st and September 30th, and placed by December 31st, your producers win VISA gift card(s).  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  (July 1, 2014 – December 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! – THIS JUST IN! 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! – THIS JUST IN! 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.