November 9, 2016





  • Presenting Solutions to Business Owners – Part 2
    Presenting Solutions will give you a look at some of the strategies and creative designs available to business owners today. Learn to approach business owners with solutions that will increase tax deductions and wealth accumulation and help your own practice to explode with growth. (If you missed Part 1: Engaging Business Owners – view the recording.)

  • Life Insurance Inside Retirement Plans



  • Reflexive Testing and Its’ Uses in Underwriting
  • Income Taxation of Life Insurance – Part 2
    A 20-minute webinar on the income taxation of life insurance in a business/employer owned setting. Part 1 of the series explored general income tax considerations for individual or trust-owned life insurance policies.

  • ONE MEETING – LTC Awareness Month WebinarWatch the REPLAY.
    This is a follow-up from the November ONE Meeting where John Hancock discussed long-term care options available in the marketplace. They highlighted the resources that Lincoln has available to you, industry statistics and trends, and how your clients may be impacted. Find everything you need to start a client conversation and begin the LTC planning process by visiting the online planning resource.


  • A Multigenerational Approach to Planning for Long-Term Care Expenses


  • WriteFit Underwriting: a faster process for healthy clients


  • Learn about the Quest Series of Annuities
    • This webinar is held every Monday and Wednesday at 2:00 PM CT.  Click here to register for a date that works best for you!
  • Learn about the Wealth Builder Series of Annuities
    • This webinar is held every Tuesday at 1:00 PM CT.  Click here to register for a date that works best for you!


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  • 2016 Year-End Business Procedures
    2016 is quickly coming to an end so make sure that you finish your year strong! American National’s year-end business procedures are now available for:

    • Life New Business
    • Annuity New Business
    • Commissions and Production Credit
  • Year End Pension Tips and Deadlines
    The end of the year is always a busy time whether you are trying to meet your goals for the year or planning for the holidays. There always seems to be something else on your list that needs to get done. The same is true for retirement plans. As the end of the year approaches here is a short list of important tasks that need to be completed before the end of the year.


  • Life Term & UL Conversion Deadline for 2016 CommissionGet details.


  • The countdown to year end is on, and John Hancock’s will help you achieve a strong finish
    For cases you are targeting to include in your 2016 sales results, please note the key submission deadlines below.



  • End-of-Year Pay Schedule
    Don’t forget these key dates during the holiday season.
  • Dates to remember
    With the holiday season and year-end quickly approaching, it’s important to focus on getting your pending cases paid and delivered to help finish out 2016 successfully. Get the year-end dates to remember.



  • Year-End Business Deadlines
    Another year is coming to a close! All underwriting requirements should be received by December 12, 2016. Final issue requirements for Life new business to be placed and counted in 2016 should be received by December 16, 2016 if commissions are paid weekly, and by December 23, 2016 if commissions are paid daily. Symetra’s last business day for 2016 is December 30, 2016.


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  • Financial planning that helps families avoid college debt
    This is how one advisor developed a strategic vision to help parents incorporate the cost of their children’s college education into the family’s comprehensive financial plan. Read more.
  • 18 scary retirement statistics
    These numbers show how frightened Americans are about their retirement readiness. Read more.
  • 3 new fears about the long-term care planning gap
    Lincoln Financial executives hope to see awareness month lead to action month. Read more.
  • 5 things you need to know about the future of life insurance
    The innovation needed to drive industry change is at long last taking root. Read more.


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  • Grab & go prospecting content and tools at your fingertipsView now.
  • One tool for smoother IUL client meetings
    Everything you need to begin the conversation around the importance of tax diversification and the power an IUL has on their portfolio. The informative and interactive “Life To The Max” tool includes explanations of complex scenarios in layman’s terms and provides easy to understand charts. Plus it is fully scripted if you need it.



  • Family Planning with Signature GUL – College Education Funding
    There are many ways to cover the cost of a college education. The cost of a college education has gone up to the point that it is difficult to pay for and college loans follow the graduate for the remainder of their lives due to the interest on the loan and the long repayment schedules. Learn more.


  • Fast Lane Underwriting is here!
    This is a great addition to Global’s already smooth new business process and should help you place your business quickly and efficiently. This piece gives you the basic outlines of age and face amount limits.



  • Protection SIUL with VitalityNEW!
    John Hancock’s industry-first Protection SIUL with Vitality has some of the most competitive Survivorship Indexed UL premiums on the market. Now it also offers higher targets – and the potential for clients to save even more by living healthy. And, because it’s a survivorship policy, clients can earn twice the rewards and twice the discounts. See an example of how healthy living can deliver real savings for clients.
  • The advantages of John Hancock Vitality for older adults
    Now, your older clients can save money and earn valuable rewards for the things they do to stay healthy. Learn how.
  • Vitality is now available in New York!
    Now, your New York clients can start enjoying all the benefits and features of the John Hancock Vitality solution. That means saving up to 15% on their premiums and earning valuable rewards and discounts — simply by living a healthy life. Learn more.
  • Not your father’s life insurance plan
    The Vitality Program is not complicated. It’s a very casual conversation starter. Check out this latest “Have You Heard” sales idea that shows how easy it can be to sell.



  • Term Conversions
    • Lincoln provides a highly competitive term portfolio AND they pay commissions on term conversions. Get the facts.
    • Important Term Conversion updates – Read the notice.


  • A life insurance tool for every need
    An ever-expanding product line gives a wide array of solutions for all clients’ life insurance needs. Whether they’re seeking guaranteed protection or cash value accumulation, Minnesota Life has the tools that can help meet their needs. View the Product Overview flyer.
  • WriteFit Underwriting – accelerated underwriting for healthy clients
    WriteFit Underwriting is tailored to your clients. It offers a customized approach that can accelerate your clients’ underwriting experience. By applying for life insurance with WriteFit, your healthiest clients could be approved for coverage in fewer than three days. Learn more.
  • Mortality Credits Program – improved underwriting for better client offers
    Learn how the mortality credits program allows for better-than-published guidelines decisions for many of your clients.


  • Apptical Mobile App for Living Promise is here
    This app will shave up to five minutes off the point-of-sale interview process. Learn more.
  • Recent underwriting changesGet details.
  • Consider using an IUL for estate equalizationLearn why.



  • Access to Underwriting Requirements & Policy DocumentsNOW AVAILABLE on MyProtective.comGet details.


  • IUL Cap & Illustrated Rateseffective November 1stView the FAQ.



  • New HIV Form for Iowa
    There is now an updated Notice and Consent for HIV-Related Testing form for Iowa. The new form number is ACF 0707 IA REV 0716. The updated form will be required for applications signed on or after December 5, 2016.
  • Duplicate Life Insurance Policy Contract Requests – procedure update
    Read the bulletin to understand how this will impact policy owners.


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  • American Pathway Immediate & Deferred Income Annuity rates increasedeffective November 7thView the new rates.
  • Why use a qualified longevity annuity contract?
    Using an American Pathway Deferred Income Annuity as a qualified longevity annuity contract (QLAC), clients can delay income payments up to age 85, and potentially help:

    • Delay paying taxes on money that isn’t needed early in retirement
    • Ensure they have guaranteed lifetime income later in retirement
    • Leave more assets to a surviving spouse or heirs
  • American Pathway Solutions MYG 8 & 9 Year interest ratesDISCONTINUED
    Effective October 31, 2016, the eight- and nine-year interest rate terms for the American Pathway Solutions MYG were discontinued.


  • Athene MYG product & interest rate updatesGet details.


  • $54 billion
    That’s the premium invested in FIAs in 2015. Should it all be in one asset class? Diversify with Indextra!
  • Fixed Annuity StrongPoint
    View these fast-fact videos!

  • Suitability Form update for CA & MA
    The Suitability Form has been revised for new requirements in California and Massachusetts.

    • Question 8e supports a coming CA requirement (1/1/17)
    • Question 10 supports a new MA requirement (10/1/16)


  • Lincoln AppAdvantageNEW!
    Streamlined, efficient account submission for Lincoln fixed and fixed indexed annuities is available now with Lincoln AppAdvantage for GA advisors. Several resources are available to enable you to communicate about this easy-to-use tool, including:

    • Communication you can send to your advisors
    • Recorded training session
    • Lincoln AppAdvantage User Guide


  • New requirements for California agentseffective January 1, 2017Get details.
  • New Suitability Form requiredeffective November 23rd
    Changes have been made to the suitability forms. Two new questions were added at the end of Section A to address regulatory changes. Please begin using the new forms for all business submitted November 23, 2016 and after.
  • The Elite Producer Club (EPiC) has been extended – See details in the incentive section below!


  • Annuity Care to be discontinued in VT
    OneAmerica will be shifting focus to newer, more competitive products in the state of Vermont; including Annuity Care II and Indexed Annuity Care.

    • As of December 30, 2016, Annuity Care will be discontinued in Vermont.
    • Illustrations for the original Annuity Care will be available until December 15, 2016; after which the product will no longer be available in the desktop illustration software.
    • Applications must be received in the Home Office by 5:00 PM ET on December 30, 2016. Any applications received after that time will be returned to the agent unprocessed.
    • This change has no impact on in-force business. OneAmerica will continue to administer and support existing Annuity Care contracts, but will no longer accept applications for new business.


  • Annuity interest rateseffective November 8thView them now.


  • Lifetime Income – product update
    Effective November 7, 2016 the Maximum Annual Withdrawal (MAW) percentage rates will decrease by 75 basis points on the Lifetime Income product. Transition rules are:

    • All contracts issued on or after November 7, 2016 will receive the new Maximum Annual Withdrawal (MAW) percentage rate.


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  • LTC Awareness Month is a great time to offer “Element”
    Element packages offer more affordable coverage options for your clients by focusing on smaller yet meaningful coverage amounts and benefits that are optimized for home care. Learn more about Element.


  • Get Ready for Long Term Care Awareness Month
    John Hancock will be launching its producer campaign for LTC Awareness Month. This year’s campaign, based on the theme “The Need Remains – the Approach Has Changed”, will feature a weekly email that includes resources to help your agents engage clients in the long-term care discussion and boost their Performance LTC sales. Here’s a sneak peek of what John Hancock will do:

    • Promote consumer prospecting materials to help you sell the need for long-term care to your clients
    • Introduce tools to help your clients understand current and future costs for various long-term care settings
    • Provide real consumer insights and knowledge to help you sell
    • Highlight key producer materials to show you how you can safeguard your clients’ retirement
    • Wrap-up with a video that will highlight the importance of long-term care planning and showcase how Performance LTC is the right solution to protecting your clients’ future
  • Updated Performance LTC Investment Strategy Materials
    Performance LTC policy is supported by a unique investment strategy designed to diversify risk and enhance the long-term yield. The Performance LTC Investment Strategy Brochure and Closer Look Flyer provide you with an overview of John Hancock’s investment approach that includes a broad array of fixed income and alternative long-duration assets.
  • LTC Captivate 2.0 Training Presentation
    The LTC Captivate 2.0 training presentation is an easy way to learn how using LTC Captivate 2.0 can support your sales. Join the many other producers who have embraced LTC Captivate 2.0 as a new way to do business.
  • An existing client could be your agents next best prospectView the sales flyer.
  • Help your clients recognize the need for long-term care
    Studies show that the number of Americans needing long-term care will double by 2050 to 27 million people. This need represents a financial risk your clients may not have considered. Help them prepare for the possibility by educating them on the need for long-term care and introducing them to Performance LTC – the new approach to long-term care insurance. Use consumer approved prospecting materials that you can customize to help spread the word about the need for long- term care.


  • LTC can protect your client’s retirement assetsLearn more.


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  • Priority Income ProtectionCOMING SOON to the Mobile Quote App!
    Quickly run quotes for your clients whenever, wherever with our easy-to-use mobile app. Learn more.


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  • Field Assistance Center
    For technical difficulties contact our Field Assistance Center (FAC) at: 1-800-847-9785. Read the notice.
  • Plan N rate adjustment for NHGet details.
  • Why pay $464 for a $166 benefits?
    Mutual of Omaha’s Plan G is the perfect solution over Plan F when an applicant is willing to pay the calendar-year Part B deductible ($166 in 2016). See the ideas on when and how to show the savings to your clients.


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  • 2017 Pension Limits Update
    The Internal Revenue Service has issued the new benefit and contribution limits for qualified retirement plans for plan years beginning in 2017. The maximum elective deferral contribution remains unchanged at $18,000 while the maximum annual addition under a defined contribution plan increases to $54,000. Read more.


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2017 Marketing Conference in Los Cabos, Mexico
May 7-11, 2017

(Qualification period: January 1 – December 31, 2016)


Get complete details.

 iPad Pro Contest

(Qualification period: September 1 – December 31, 2016)

Qualify for as few as 9 life sales.  (Only policies sold through ExpertApp are eligible.)

Get complete rules and details.







Leaders of Olympus in Prague

(Qualification period: January 1 – December 31, 2016)
Get details.




Perfomance LTC 2016 Producer Bonus Program

(Qualification period: March 1 – December 31, 2016)  
Earn an additional 10% Bonus by selling

John Hancock’s Performance LTC product within the qualification period.

Get complete details.



Earn up to $500 for selling CareShield!
(Qualificaton period: September 20 – December 31, 2016)

Within the qualification period, agents will receive a $300 Visa gift card for two paid CareShield applications or a $500 Visa gift card for three paid CareShield application.

Get complete details.






2016 EPIC Reward – Elite Producer Club

(Qualification period: EXTENDED to March 31, 2017)

Receive a 1% commission bonus on your annuity business this year.


Learn how.






2017 Independent Leaders Conference 

June 4-8, 2017 

(Qualification period: January 1 – December 31, 2016)

Discover the Ritz-Carlton, Grand Cayman, a luxury resort in the Cayman Islands where sparkling turquoise waters blend seamlessly with the cerulean sky to create your perfect Caribbean oasis. Learn more about the luxury that awaits you.

View the brochure. Get qualification details.


Elect To Sell SIUL This Fall!

(Qualification period: September 15, 2016 – March 31, 2017)

Prudential is giving you the opportunity to earn an additional 20% compensation on new Survivorship Index UL business.

Get complete details.




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