Weekly Newsletter Sept 19, 2012

September 19, 2012

• American’s for Financial Security
  We’ve all seen how powerful a tool the LIFE Foundation’s site is.  Many of us have integrated it into our marketing efforts.  We’d like to make you aware of another site that you might not be familiar with.  The Americans for Financial Security’s site – www.securefamily.org is a coalition of “life insurance associations” that is a kind of a “legislative compliment” to what the LIFE Foundation does.    
• The ABCs of Life Insurance: K-O 
• The ABCs of Life Insurance: U-Z 
• Passion: You Just Gotta Have It
  Is passion the missing ingredient in your sales process?
• U.S. Study: Many Say Life Insurance Is More Important than Ever in Current Economy 

• American General: 
  • TODAY, September 19^th – Term Conversion Webinar 
  • October 12^th – Term Conversion Webinar 
• American National:
  • TODAY, September 19^th – Prospecting for Retirement Plans 
  • TODAY, September 19^th – Signature Term Webinar 
  • TOMORROW, September 20^th – Defined Benefit Pension Plans   
• Aviva:
  • September Webinar Schedule & Instructions
    – TODAY, September 19^th – Not All IUL’s Are Created Equal
    – TOMORROW, September 20^th – Wellness for Life Rider
    – September 21^st – Introduction To Indexed Strategies
    – September 24^th – Life Portraits Sales Solutions “The Basics”
    – September 25^th – Replacements: Guidelines, Considerations & Responsibilities
    – September 26^th – Aviva Connect: new agent website
    – September 27^th – Understanding Policy Loans “Fixed vs. Variable2”
    – September 27^th – Accelerated Access NEW RIDER
    – September 28^th – Spotlight on Success
• ING:
  • Review of Two New Crediting Strategies!
    The Interest Rate Benchmark Strategy is designed to capture the upside potential of a rising interest rate environment. The ING Performance Trigger Index Strategy is designed to credit the stated interest rate when the annual performance of the S&P 500 is flat or positive. These optional benefits are available with a fixed index annuity.
    – TOMORROW, September 20^th – Click here to register.
    – September 25^th – Click here to register.
    – September 27^th – Click here to register. 
  • Income Protector Withdrawal Benefit Webinar
    The ING Income Protector Withdrawal Benefit is an optional living benefit rider that can be added to any ING USA fixed index annuity to provide flexible, guaranteed income for life.
    – TOMORROW, September 20^th – Click here to register.
    – September 25^th – Click here to register.
    – September 27^th – Click here to register.  
• North American:
  • September Webinar Schedule
    You are invited to attend multiple web workshops regarding North American products and concepts. Register using the above link and you will receive reminders for whichever webinars below you are interested in.  In order to hear the webinars you must dial into the teleconference line which will be given to you once you login to the web workshop on the appropriate day.
    – TODAY, September 19^th – Understanding Indexed Universal Life
    – TOMORROW, September 20^th – Insmark Tips & Hints
    – September 27^th – Business Planning Strategies using Life Insurance
  • September 25^th – Learn about the RetireChoice Fixed Index Annuity
• Transamerica:
  • TOMORROW, September 20^th – Understanding Consumer Drivers & Creating Your Value Proposition 

• Prudential:
  • Give your opinion of the new Mobile Quote Tool and get a $5 Starbucks Gift Card

• LIAM and Learn: Life Insurance A-Z
  LIAM is the time for drawing attention to the power of life insurance. Make sure you take advantage of new tools at your disposal. 
• Why Devote a Month to Life Insurance Awareness? 
• Use the LIFE toolkit for Life Insurance Awareness Month.

Take a look at how each TMA carrier is promoting LIAM.  You will find everything you need to get started – pre-approach letters, fact finders, brochures, presentations, videos and more.  Click here to view Facts from LIMRA. 

• Life Insurance Purchase Was Good As Gold 
• Market Update: Survivorship Life Insurance 
• Life With Critical Illness Riders Catch On 
• American General:
  • Secure Lifetime GUL re-price and transition rules
• Aviva:
  • Product changes – effective October 1st
  • Accelerated Access Rider – available in 45 states
    Available on Lifetime Builder III IUL and LifeStage UL, this chronic care solution provides an acceleration of the death benefit if the insured is certified chronically ill.  This new rider is extremely flexible and has no immediate out of pocket cost.
    – View the Frequently Asked Questions. 
    – Check out the Sales Concept: A Contingency plan  
  • Advantage Builder IV IUL with NLG Riderapproved in NH, PA & MO
  • Survivorship Builder with NLG Rider approved in NH & VA
• ING:
  • UL-GDB NY – launching September 24th
  • Collecting additional information enhances Executive Benefits underwriting 
  • No-Lapse Universal Life transition rules 
• MetLife:
  • Product updates and reprices for GAUL & LASUL approved in 7 new states – effective September 24th
    The reprice and product updates for Guarantee Advantage UL and Legacy Advantage SUL have been approved by FL, MD, MN, NV, OR, PA and TX.
  • Provider Universal Life approved in 6 new states – effective September 24th
    MetLife will launch Provider Universal Life in AZ, FL, NV, OR, PA and TX.
  • Three impairments that can be rated standard
    See how applicants for life coverage who have been diagnosed with sleep apnea, bladder cancer or coronary artery disease could be rated Standard.
• Minnesota Life:
  • eApp now asks if the Primary Beneficiaries are irrevocable
    Please remember, if you designate an irrevocable beneficiary, this limits the transaction authority of the policyowner. The irrevocable beneficiary’s signature will be required for all changes to the contract, including request of funds.
• North American:
  • Help grow your business with stability and partnership 
  • Custom Guarantee
    View the Product Tip Sheet.  Also see the Chronic Illness Marketing Guide.
  • Compliance Corner – September 2012 Issue
    In this issue:
    – Important things to consider when dealing with senior clients.
    – When to expect a new version for the annuity buyer’s guide.
    – Friendly reminders regarding prohibited agent roles.
  • MGA Digital Toolbox NEW
• Protective:
  • Secure-T reduced rates – $1 million of life insurance for just 77¢ a day!
• Prudential:
  • Sales Kits for Marketing
    – Estate Planning eKit
    – Tax Bill or Legacy Consumer Brochure
    – Make the Underwriting Process Easier? Challenge Accepted!
    – Underwriting: Why Clients Prefer Us
    – Finishing the Year Strong with Strong Case Submissions
    – Life Keeps Moving – Why Do I Need Life Insurance?
    – Get to Know Pru’s 10 in 10 Series  
  • Sales Kits for Products
    – Advantage UL Sales Idea – The Companion Product Approach
    – SUL Protector Marketing Idea – Charitable Giving
    – UL Protector Marketing Idea – Dynasty Trust Planning
    – WorkLife 65 and Annual Coverage Enrollment
    – WorkLife 65 Quotes Now Available on Term Essential Illustrations
    – Living Needs Benefit Marketing Tip  
• SBLI:
  • New search functionality for forms 
• Transamerica:
  • TransACE 2012 Long Term Care Rider now available in IN
• United of Omaha:
  • Do You Have Small Business Owner Clients?
    You don’t want to recommend anything but the best for your clients.  That’s where Term Life Answers comes in.
  • Term Life Express & Complete prospecting postcards with rates
    Have these postcards personalized and send them to your contact list today! 

• The Right Fit: Annuities in Allocation Models
  There are many benefits to including annuity and insurance products within a product allocation portfolio for retirement income.
• AIG is telling their story! 
• Investors Increasingly See Annuities As Vital To Retirement Strategy 
• Annuity Suitability: Assessing Compliance Risk 
• American General:
  • Current annuity rates 
• American National:
  • Palladium Single Premium Immediate Annuity 
• North American:
  • RetireChoice – uncapped possibilities
• Symetra:
  • Fixed Annuity rate sheet 

• How to ask for that referral
  Establishing a successful system to get referrals is a great way to generate leads.
• Genworth:
  • Total Living Coverage – a powerful combination
• Transamerica:
  • Family protection through Long Term Care insurance – sales idea
  • LTCi Tax Benefits
    As the year closes, your clients may be looking for additional tax deductions. Don’t forget to relay the fact that LTCi can be a tax deductible expense and they should discuss it with their CPA or tax attorney. The Agent Tax Guide can help guide you through questions you may be asked and help you understand the basic qualifications and limits for 2012.
• United/Mutual of Omaha:
  • Eleven ways to turn client concerns into sales 

• United/Mutual of Omaha:
  • DI Return of Premium Rider
    Find out how the Return of Premium Rider (ROP) can incent the sale.

• TMA/American General: (February 1, 2012 – January 31, 2013)
  Saddle Up and Scream “Yee-Haw!” for a truly unique Texas-sized tradition.  Win an exclusive 2 night stay to attend the Houston Livestock Show and Rodeo.  Qualification period:  February 1, 2012 through January 31, 2013.  Eligible agencies must increase their production by at least 25% over production in the prior 12 months; with a minimum increase of $50,000.  Click here for details.
• TMA/Genworth: (September 1 – December 31, 2012)
  Annuity Sales Incentive.  Click here for details. 
• TMA/MetLife: (April 1 – November 1, 2012)
  “Give MetLife a Shot” at your large cases and win an iPad! Click here for details.   
• TMA/Protective: (April 1, 2012 – February 28, 2013)
  Here is your chance to be one of 4 TMA principals, along with a guest, to spend 4 days at The Breakers in Palm Beach next spring.  This exciting opportunity includes all travel expenses, meals and hosted activities!  Contest period runs from April 1, 2012 through February 28, 2013.  Eligible agencies must increase their production by at least 25% over production from April 1, 2011 through February 28, 2012; with a minimum increase of $50,000.  Click here for details.
• TMA/Prudential: (January 1 – December 31, 2012)
  Win the chance to take a bite out of THE BIG APPLE!  This exciting opportunity includes round-trip airfare, hotel accommodations, meals, tickets to see a Broadway play & more!  Contest period runs from January 1, 2012 and ends on December 31, 2012.  Increase your paid weighted premium by 25% or more during the contest period over the prior 12-month period with a minimum growth of $50,000.  Click here for details.  

• American General: 2013 Passport to Paradise in Bermuda (November 15, 2011 – February 14, 2013)
  ALL Universal Life sales count DOUBLE toward conference qualification!
• American National: 
  • NEW! eApp iPad Contest (September 1 – December 31, 2012)
    Receive a Free iPad when you submit 6 paid life policies through iGO e-App.  
  • 2013 Marketing Conference (January 1 – December 31, 2012)
    The top 80 licensed representatives of American National who qualify in accordance with the official requirements are eligible for an invitation to attend the 2013 Marketing Conference in Palmilla, Los Cabos, Mexico May 19 – 23, 2013.