• Accordia Life:
  • October webinar schedule and instructions Get the full schedule here.
  • Executive Bonus They’ll review the basics of Executive Bonus including Single and Double Bonus and when they may be appropriate to use.  They’ll also highlight the Executive Bonus presentation in their software and how to approach business owners on the executive bonus.  Dial-in Number: 1-855-282-6330  Audio Pin: 297 144 463
  • October 9^th – 2:-00 PM CT
  • Spotlight on Sales You’ll be walked through several sales ideas and show you the supporting marketing materials that you can use to promote the idea.  Dial-in Number: 1-855-282-6330  Audio Pin: 294 370 697
  • October 16^th –  2:00 PM CT
  • 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

• 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!
    • 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
  • eValuate – new field underwriting tool for Long Term Care During this webinar, you will learn how to quickly determine if your client is insurable with the built-in prescreening questions. eValuate makes it easier for you to assess your clients for potential underwriting categories for Flex 2 and Flex 3. Dial-in #: 1-646-307-1722  Access Code: 901-603-809
    • October 9^th – 2:00 – 2:30 PM ET
  • Positioning Death Benefit Index UL Charlie Gipple will share Death Benefit Index UL positioning strategies for three different types of clients.
    • October 14^th – 2:00 PM ET

• MetLife:
  • Secure Flex Universal Life Firm Training Dial-in #: 800-553-0288
  • 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
    • October 8^th – Enhancements to our Multi-Life Capabilities
  • Differences Between LTC Solutions
    • October 9^th – 1:00 PM CT

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• 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.

• Accordia Life:
  • SOS – Spotlight on Sales The New “Spotlight on Sales” section of Accordia’s agent site is the place to go for ideas and information you can use today to build and grow your business.

• Genworth Financial:
  • Do-Not-Call Laws Read about complying with Federal and State Do-Not-Call Laws and the Telephone Consumer Protection Act.

• Legal & General America:
  • Financial Institution Markets LGA is making headway in this market. Big players sign on. Get more information and all the materials you need.
  • simplyLIFE Pilot #2 LGA is launching another pilot to give customers options before the level premium period for their existing OPTerm 10 & 15 policies comes to an end. On October 1, 2014, they began testing the results of a letter which offers customers a $10 Amazon.com Gift Card just for calling us to learn more about simplyLIF, a new product designed solely for this purpose.  Click here for more information.

• Prudential:
  • Prudential Partners with Oprah Prudential announced a new partnership with Oprah Winfrey in support of her first ever “The Life You Want Weekend” 8 city tour. This is part of Prudential’s implementation of a total market strategy that ensures our marketplace focus is both broad and deep and allows us to engage cross-culturally, while also embracing the nuances of individual market segments, including women.  Read more here and learn more about the tour at oprah.com/prudential.

• Transamerica:
  • Commissions Call Center – new hours The Commissions Call Center hours have changed to 8 AM to 5 PM CT, Monday through Friday.

• Voya Financial:
  • Late Night Advertising continues Last week, David Letterman kicked off Voya’s week-long sponsorship of his Late Show “Top Ten List” segment by discussing Voya with his band leader Paul Shaffer, alluding to his impending retirement next year. View the humorous clip here.

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• Accordia Life:
  • Accordia Life now available in WY Opening sales of Accordia products in WY leaves them with only 3 states to go – amazing progress for a new company.  They have been admitted in CT and are in the processing of filing products there, now.  MA approval is expected in the near future. They are exploring all options for making products available in New York.  At this time, they do not have news to share.  See the latest product approvals map here.
  • Informal applications require Accordia Life on the HIPAA Disclosure As of October 15, 2014, Accordia Life cannot accept any informal applications that do not have a HIPAA disclosure that lists Accordia Life.

• AIG:
  • AG AccidentCare Direct Plus – now available Affordable coverage that is easy to get and easy to keep with flexible and comprehensive benefits, AG AccidentCare Direct Plus is a new alternative to traditional life insurance that may better suit your client’s needs.
  • Take your pick of payment options with the chronic illness rider The Accelerated Access Solution offers multiple monthly benefit payments, including an IRS maximum per diem at time claim begins, plus a 2% or 4% accelerated benefit amount option.

• Genworth Financial:
  • The Index Institute – recent updates Check out the recent updates to:
  • Foundation Builder Index UL Producer Guide
  • Foundation Builder Index UL Consumer Guide-National
  • Foundation Builder Index UL Producer Fact Sheet-National
  • Foundation Builder Index UL Cap & Rate Flyer
  • Compare Our Products

• Legal & General America:
  • OPTerm rate change Get details here.

• Lincoln National:
  • Are your clients prepared for health-related expenses? Today clients want more assurance from uncertainties. They need protection during their career years for income replacement and expenses due to health-related risks. Life insurance with accelerated benefits riders can provide flexibility for enhanced protection in the event of conditions that result in a permanent chronic or terminal illness. See the following materials:
  • Lincon LifeEnhance ABR Make your clients’ life insurance do more with Lincoln LifeEnhance Accelerated Benefits Rider
  • Lincoln LifeReserve Indexed Universal Life Accumulator (2014) The Lincoln LifeEnhance ABR can turn your policy death benefit into a source of supplemental tax-advantaged funds. – benefits start at day one!

• MetLife:
  • The Voice on Life Check out The Voice on Life – MetLife’s new website dedicated to providing the latest and most useful information on positioning MetLife’s products, engaging clients, using industry trends and MetLife’s vision.  In an industry where the difference in competitors’ products and services are sometimes small, the deciding factor can be the way the product is positioned and presented to clients. You will have access to White Papers, Sales Solutions, Sales Starters, insights, videos and more, which will be updated regularly as new content becomes available.
  • Secure Flex UL You know the benefits that a universal life policy offers to your clients. But what do you tell clients who want a UL product that not only has guarantees, but also some flexibility and options? You tell them about MetLife Secure Flex Universal Life (UL). Along with the death benefit guarantee clients expect, this new product offers the added power of efficient cash value growth potential that provides your clients with options that help them meet a variety of needs. Watch this video to see how MetLife is raising the bar. In addition to the flexibility the cash accumulation provides, Secure Flex UL also offers the stability of maintaining coverage with the built-in Coverage Continuation Benefit (CCB) up to the insured’s attained age of 901 depending on issue age. This product also includes a guarantee of current policy charges after the CCB ends with the new MetLife Ultimate Charge Guarantee.
  • There’s more to a client’s story than a diagnosis MetLife’s underwriting credits and considerations take into account a clients’ entire medical history to get them the best possible ratings. Their guidelines offer some of the industry’s most favorable, competitive rates for clients with certain cancers, including breast cancer. View this chart that outlines MetLife’s underwriting guidelines for both noninvasive and invasive breast cancer.
  • GAUL “good order” date 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. Get more information here.
  • More top reasons to choose MetLife Read about 9 more ways MetLife works with you to help move business forward.
  • New on-line tools take field underwriting to the tech level These tools help make field underwriting easier and more accurate.
  • MetOnline/eSERVICE allows clients to make more account payment changes Click here to review how clients can now stop payments or change bank account information online.

• Mutual/United of Omaha:
  • Why sell Term Life Answers?  Dedicated Underwriting Teams! Mutual of Omaha wants to show you how committed they are to making it easier to do business with them. That’s why they have a dedicated underwriting team who will provide you with:
  • Automated emails confirming receipt of your applications
  • A toll-free number direct to your team’s case manager
  • A response to voicemails in four hours or less (if received by 2 p.m.)
  • Quick quotes in 24 hours
  • A phone call when there are significant case changes and underwriter decisions
  • A 48-hour turnaround on all work items (i.e., initial reviews, final requirements, additional mail)
  • Automated emails confirming policy issue
  • Guaranteed Refund Option Effective October 1, 2014, the Guaranteed Refund Option is available in all states except New York.  Your clients need guaranteed life insurance protection today, but life changes, and so can your clients’ life insurance needs.  Effective immediately, all qualifying GUL and GUL Plus policies will be issued with the new Guaranteed Refund Option rider – at no additional charge. This new feature provides clients with three windows where they can surrender their policy and take their ‘stash’ of cash. This exit strategy offers your clients flexible options for their future.
  • The GRO rider as an alternative to ROP term
  • Purchasing two GUL policies can provide added flexibility
  • With lowered rates, GUL has become an even better option See how Mutual of Omaha’s Guaranteed Universal Life product is even more competitive.
  • Are you FIT? The FIT Credit Program lets your clients move up to two tables and save.

• North American Company:
  • Term Life Insurance – 3 sales in 1 Think selling term isn’t valuable for you as an agent? Think again. Every term case you write with North American could mean two more sales down the road. ADDvantage term offers full convertibility to any of North American’s current permanent life insurance products; including indexed universal life products-no cherry-picking. And if your client converts to Custom Guarantee UL, they may be eligible for the Guaranteed Exchange Privilege – the right to exchange a policy to a currently available cash-value-accumulation UL without evidence of insurability or surrender charges. North American’s term offers immediate death benefit protection and more flexibility for your clients, plus better sales potential for you.  View this case study.
  • Competitive Advantage – NEW! North American’s new crediting method and index delivers stable, competitive  performance. While many companies are launching new indices illustrating a “best case” performance scenario, North American is changing the focus. They believe in innovation with integrity, so their goal is to provide an alternative index aiming for stable returns and transparency for your clients. See how their newest crediting method and index measure up.
  • Arbitration Agreement Acknowledgment Disclosure for AL – revised The Alabama Arbitration Agreement Acknowledgment Disclosure is revised and now required for all products, including term. Read more here.
  • Temporary Insurance Agreement Form – revised The TIA form was revised to add signature fields. Click here to read more.
  • Waiver of Monthly Deduction Rider for CA – discontinued Get details here.
  • Other companies Paramed exams – important information Get the information here.
  • SimpleSubmit – improvements Read more here.

• Protective Life:
  • Lower premium for clients, higher compensation for agents Protective Custom Choice UL can deliver lower premium for clients on coverage years 10 – 30 AND competitive compensation for agents. Compare compensation rates now.
  • Another fact or fiction challenge Fact or Fiction: Coffee is made from coffee beans.  Get the answer here. OR, if you don’t care, go straight to get a Custom Choice UL quote!

• Prudential:
  • PruLife Founders Plus UL – get a whole new perspective on permanent life insurance Watch this video to see how Founders Plus can be a flexible, cost-effective alternative to traditional UL. And how, with the optional BenefitAccess Rider, it can also help pay for chronic illness care costs.
  • Favorable Breast Cancer Underwriting October is Breast Cancer Awareness Month. At Prudential, more of your clients who have a history of breast cancer may be eligible to qualify for favorable rates.
  • Mexico – Non-U.S. Foreign Residence Guidelines – update Residents of certain areas within Mexico will now be eligible for better rates – including Preferred Best. The Non-U.S. Foreign Residence Guidelines flyer now highlights these specific regions within Mexico that are rated better.
  • AMI: The Inherited IRA An Inherited IRA Is Not A “Retirement” Account For Bankruptcy Protection Under Clark v. Rameker Supreme Court Case. Our new Advanced Markets Insights & Ideas discusses the opinion, what it means for non-bankruptcy filings, and offers up an approach to mitigate against a creditor’s claims against the inherited IRA.
  • Effective Wealth Strategies – brochure Wealth transfer planning often positions assets that may not be needed during one’s lifetime for efficient transfer to the next generation. An effective strategy transfers wealth to heirs in a financially sound and, in many cases, tax-advantaged manner. Learn more about strategies often employed in planning for one’s wealth transfer needs with this brochure.
  • Hartford Term to Prudential Permanent with BAR Conversion Program – NEW! On October 6, 2014, the new Hartford Term to Prudential Permanent with BenefitAccess Rider Conversion Program became available.
  • Post DOMA case study: financial planning for same-sex couples Your clients who are in a same-sex relationship have distinct needs when it comes to protecting their assets for loved ones. To meet their challenges head on, make sure you understand what the Windsor case and the repeal of the Defense of Marriage Act (DOMA) means to them and their future strategies.
  • Read the Post-DOMA Asset Protection Plus Case Study
  • View the Post-Windsor financial planning considerations for same-sex couples

• Transamerica:
  • Sales opportunities with new conversion options Transamerica has enhanced its’ term conversion program; giving you even more opportunities to convert your clients term policies to permanent products.  Get more information here and in the flyers below.
  • Term Conversions Quick Facts
  • Guide to Doing Business
  • Pre-Approach Letter
  • TransACE Quick Facts
  • TransNavigator Quick Facts

• Voya Financial:
  • Premium Financing opportunity Be sure to take a look at this new marketing piece that features a case study that shows the value of the Premium Deposit Fund (PDF) rider in premium financing.
  • Cash Value Life Insurance – An Untapped Resource for the Middle ClassHead of Life Distribution – Dave Wilken – authors this article for Life & Health Advisor, highlighting the benefits of cash value life insurance for middle market households.
  • Improved rates for some Breast Cancer histories With Voya, Standard rates without a flat extra premium are a possibility immediately after completion of treatment on some DCIS breast cancers. Get the details here.

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• 6 objections to the “myths” of DIAs The term “life expectancy” is one of the most abused and dangerously misunderstood concepts in retirement planning.
• Engaging the Next Generation All of your commitment, work, attention to detail, and planning for your client will be inherited by your client’s heirs and possibly handed off to be managed by their own current financial advisors. Unfortunately, if you did not build that bridge of communication and financial management continuity with your clients’ heirs, those assets will leave your firm’s management in fewer than six months.

• American National:
  • An Indexed Annuity Strategy for Your Conservative Clients For the conservative clients who like the potential of the ANICO Strategy PLUS Indexed annuities but do not want to receive a 0% return at the end of a contract year, we offer a hypothetical example that demonstrates they may be able to receive competitive rates with potential for higher interest earnings than a fixed annuity. Read more.
  • Palladium Immediate Annuity with Cash Refund Option Get a quickquote now!
  • Great for conservative clients looking for security
  • Guarantees income that the client cannot outlive
  • Guarantees repayment of remaining principal upon death
  • Access option (partial/full surrenders after 3 contract years)

• North American Company:
  • New application & suitability forms required Get details here.

• Protective Life:
  • Protective Indexed Annuity II strategy Did you know Protective Indexed Annuity II can offer higher return opportunities with the annual tiered rate interest crediting strategy? View current interest rates here.

• Voya Financial:
  • Voya Wealth Builder Series Annuities with Caps up to 6% – NEW! Build your business and client wealth with Voya’s new Wealth Builder Series of Annuities. An industry leading rate built for accumulation and optimal growth potential. Click here to view the Wealth Builder Product Specific Training.
  • ING/Voya transition Information ING forms will be accepted until year end. Effective January 1, 2015, all forms received must be Voya Financial.  Also, please address all checks to Voya Financial, however checks made payable to ING will continue to be accepted.
  • View current Fixed Annuities interest rates & features

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• 5 ways to sell LTCI to boomers Getting through to the boomers has been the greatest challenge of the long-term care insurance industry. Here’s how to do it.
• 3 ways to use the new LTCI consumer data Agents know all about those kinds of numbers — but consumers don’t.

• Genworth:
  • FlexFit Premium – options start at less than $100 a month New Genworth consumer research just might change the way you sell long term care insurance (LTCI). Here’s what they’ve learned: – The top reason consumers don’t buy long term care insurance is cost. – Consumers believe LTCI could cost as much as $15,000 per year. – They are 40% more likely to purchase LTCI when they see actual premiums. Want to show your clients actual premiums? Now it’s easier than ever with the FlexFit Premium package. FlexFit Premium options start at less than $100 monthly for qualified applicants. Pick the annual premium option that fits your client’s budget, and the rest of the information will populate automatically.
  • Automated lab results Automated lab results are now sent to applicants on every case at final disposition.

• Mutual of Omaha:
  • Kiplinger LTC Video Don’t forget about the Kiplinger LTC video! It’s an effective way to show clients the importance of Long-Term Care insurance.

• Transamerica:
  • LTC News – October 2^nd edition In this issue:
  • Think Transamerica Now The 4th quarter is trending as prime LTCi time. And we’re seeing an increase in your business! See why producers are talking about Transamerica now.
  • Front-page LTC story in the New York Times Last week, the newspaper covered a gripping story of one man’s struggle with the healthcare system. LTCi could have helped.

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• Mutual/United of Omaha:
  • DI multi-life tax advantages Get more information on tax advantages based on multi-life DI plan types.

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• Mutual/United of Omaha:
  • OEP application acceptance OEP begins October 15, 2014. Mutual of Omaha began accepting applications on October 1, 2014 for a January 1, 2015 effective date.
  • November rate adjustments Rate adjustments effective November 1, 2014 for United World PA and United IL Modernized in-force business only.

• 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.
  • 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.