Newsletter February 21, 2018

February 21, 2018

INDUSTRY ARTICLES

Here’s Why Baby Boomers Need Advisors
They’re afraid of outliving their money but they have little knowledge of wealth management products that could help, Annexus reports. Read more.
9 Ways to Turn Social Situations Into Business Relationships
Don’t be ‘that guy,’ but stay in touch with the people you want to do business with. Read more.

NEWS FROM OUR CARRIERS

Help minimize taxes on inherited IRAs
Campaign-in-a-box
Get grab-and-go promotions, prospecting tools and training.
Annuity rates – effective February 20^th – Download the rate sheet.
MYGA options over 3% – Learn more.

Signature IUL sales ideas made easy!
With this new brochure, discover ways to boost your IUL sales for special situations including:
- Supplemental Retirement Planning
- Funding College Education
- Divorce Planning
- Children from a Prior Marriage
- Special Needs Trust
- Credit Shelter Life Insurance Trust
- Irrevocable Life Insurance Trusts
- Key Person Insurance
- Buy-Sell Planning
- Other Business Succession Planning
The Lifetime Income Rider with Fixed Rate can now DOUBLE THE INCOME BASE in 10 years! Learn more.

Introducing Brighthouse Simple Underwriting!
Many advisors feel the life insurance underwriting process can be arduous, time consuming, and invasive for clients. In addition to simplifying the rating classes, Brighthouse has set out to solve these pain points for those that are eligible.

Brighthouse Simple Underwriting will be available on Brighthouse Premier Accumulator Universal Life (PAUL). Key features for qualifying cases include:
- Simple, less invasive process – no exams / no labs
- Simple underwriting offer – yes or no answer
- Faster underwriting decision – initial underwriting decision within 24 hours following telephone application and interview
- One call to the owner and to the insured – we ask the questions

A personal story. A powerful reminder. Your business changes lives.
This episode is a personal story of life insurance, told by an extraordinary person. Melissa Wandall and Randy Zipse discuss the loss of Melissa’s husband Mark and the way his life insurance helped their family continue on. Melissa’s path to advocacy and outreach has led to amazing outcomes, from her role as President of the National Coalition for Safer Roads, the money she’s raised for paralysis research with the Florida Project to the camp she runs for grieving children. Listen and subscribe.

John Hancock in the news!
John Hancock Vitality life insurance created a lot of buzz this morning on the TODAY show with Megyn Kelly when all audience members received a free Fitbit. It’s all part of John Hancock’s commitment to helping people live longer, healthier lives. Watch the video below.

Improved Guaranteed UL rates – Learn more.
New long-term guaranteed death benefit IUL
If you’ve got clients who would like guaranteed protection, financial flexibility and living benefits with no upfront cost, consider this uncomplicated IUL solution.
Expanded Tele-App eTicket submission – Learn more.

Life Lines – February 2018
In this issue:
- Help your clients get the most out of their long-term care benefits
- Introducing a NEW Inflation Option for SecureCare in New Jersey
- WriteFit Underwriting: A simplified process for you and your clients
- Coming Soon! Clients can get their loan proceeds via direct deposit
- Upcoming Webinar – Business Valuations with BizEquity

Retirement Planning concept illustrations can help sell IUL
Learn what’s included on this valuable report; as well as how you can add it when you are running your next Income Advantage IUL illustration.
Protection for young superheroes
Help your clients give the lasting gift of security to their child or grandchild with Children’s Whole Life.
- Watch the video.
- Look at the Childrens Whole Life flyer.
Long-Term Care sales ideas book
Learn how to turn your customers’ long-term care needs and concerns into sales.
Make DI Easy with the Tele-Application
It’s a process that benefits you and your clients. Check out the many advantages of using the DI Tele-App.
Medicare Supplements
- Medicare Supplement Contacts – Download the listing.
- Med SELECT Provider Directory updated with a new hospital in Huntsville, Texas
  Read the bulletin.
- Rate adjustments for MS & SD – effective March 1^st – Get details.
- Rate adjustments for NE, NC & PA – effective April – Get details.

Leverage your client’s funds into a bigger death benefit
See 3 hypothetical case studies.
NEW VersaChoice fixed index annuity with Income Pay Plus optional guaranteed lifetime withdrawal benefit rider – Learn more.
Vermont bulletin
Guidance related to sales, providing insurance advice, and securities advice. Learn more.

NEW streamlined Care Solutions new business submission
OneAmerica Care Solutions has streamlined new business submission for Asset-Care and Annuity Care products. This new process will take you from submission to the client interview to policy delivery with ease. Get complete details, training and resources.

LifeEssentials – February 12^th
In this issue:
- Tax Cuts and Jobs Act Presentation
- PruLife Index Advantage UL enhancements
- Revised Applications, Worksheet, Financial Supplement, and Instructions Pages

Accumulator IUL maximum illustrated rate increase
On February 16, 2018, the maximum illustrated rate on Symetra Accumulator IUL increased from 6.92% to 6.96%. There were no changes to index cap or participation rates.
Symetra UL-G product update – Get details.

New York producer offering changes
The TransACE CV NY product is no longer be available for conversions, effective February 16, 2018. All applications must have been signed and in the home office by February 16, 2018. Applications with external 1035 exchanges will not be accepted due to policies needing to be in force by March 19, 2018.