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Newsletter August 10, 2016

by | Aug 10, 2016 | Newsletter

August 10, 2016

 
UPCOMING WEBINARS

 

 

Get ready for Life Insurance Awareness Month.

  • Here’s Your LIAM Action Plan
    This webinar will give you an overview of all the great new resources that Life Happens has created for this year’s Life Insurance Awareness Month, which takes place in September.

 

  • Generating Income for the Income Generation
    Avoiding income hazards and optimizing retirement income.

  • Turn data into powerful consumer-friendly IUL presentations
    Learn how to turn columns of numbers into a compelling life insurance story…and help you close more sales.

    • August 10th at 11:00 AM CT – Join the meeting.
      Dial-in:  888-535-6464  Access code 9136363#
    • August 11th at 3:00 PM CT – Join the meeting.
      Dial-in:  888-535-6464  Access code 9136363#

 

 

  • Claims: The Hearth of Long Term Care (LTC)

 

  • Vitality Top Sellers Round Table
    Mark your calendars to attend the first John Hancock Vitality Top Sellers Round Table. This important webinar will feature proven strategies from a leading producer and GA for boosting your Vitality sales.

  • Life Insurance Policy Valuation – 20-minute webinar
    Explore the complex world of valuing a life insurance policy in different transfer scenarios.

 

  • Strengthening our Chronic Illness Portfolio
  • NEW IncomeChoice 7 Web Event

 

  • Care Solutions Virtual University
    Build your asset-based LTC knowledge, get sales ideas and more.

    • Stable, Predictable, Guaranteed: Asset-Based LTC Paid for Annually
    • Care Solutions Asset-Based LTC Annuities
    • Understanding Chronic Illness and Long-Term Care Life Insurance Options
  • Learn about Asset-Care III
    Now is your time to learn how you can help your clients retirement money work even harder. Tune in to hear how Asset-Care helps clients effectively leverage tax-qualified funds, such as IRAs and 401(k)s, to protect their retirement from the financial risks of LTC.  Get a product overview and specs, uncover potential clients  and see Asset-Care III in action.

 

  • 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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SALES, MARKETING & INDUSTRY ARTICLES

 

 

  • Does your client have the right type of life insurance?
    Four key factors can help determine the particular type of life insurance coverage that’s most appropriate for a given client. Read more.
  • Tackling 2 top retirement issues: What clients need to know
    Rising health care costs could delay or prevent prospects and clients from retiring. Read more.
  • Understanding who buys annuities – and why
    Jafor Iqbal of the LIMRA Secure Retirement Institute discusses annuity buying behavior and the role of financial advisors in retirement income planning. Read more.
  • Built to last: tips for preventing life insurance failure
    Proper planning both before and especially after the sale, can ensure that the life insurance promise is kept. Read more.

 

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CARRIER ANNOUNCEMENTS

 

 

  • LGA certified as a great place to work – Learn more.

 

  • Maryland Fraud Awareness Training now available on PruXpress
    The Maryland Department of Insurance requires that Insurance Companies offer fraud training to insurance producers appointed in Maryland. If you are interested in completing the Maryland fraud awareness training, log in to PruXpress and use the search feature to locate the training. View the Training Deck.

 

  • AML training advisory
    Effective Sept. 1, 2016, producers who have completed AML training will be required to renew their training certification two years after their initial training or sale. If the producer’s certification expires, new business will not be accepted until the renewal training is completed. Read the bulletin.

 

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LIFE INSURANCE

 

 

 

 

  • Protection UL – a stable product in challenging times
    Protection UL delivers consistent customer value even in a challenging economic environment. Take a look at how its crediting rate has remained higher – and more stable – than those of the competition.
  • A faster, easier way to buy life insurance
    SmartProtect Term with Vitality offers competitive rates and an underwriting decision in as little as 2 days.  Watch this month’s Life in Motion to learn more.
  • Achieving success in the Global High-Net-Worth market
    This Seller’s Guide contains all of the information you need to get started in the foreign national high-net-worth market and has recently been updated to reflect increased capacity available for “A” and “B” countries.

 

  • MetLife Class Match
    MetLife Class Match may be able to issue a new policy matching a client’s inforce policy’s underwriting class and face amount, up to $1.5 million. Even better, MetLife Class Match may issue the policy in days (not weeks) and with no new lab work or paramed required. But hurry, this program is only available until December 31, 2016. See how it works.

 

  • Enhancements to Chronic Illness Portfolio – effective August 22nd – Get details.

 

  • Income Advantage IUL
    Income Advantage IUL can help your clients protect their family while also accumulating cash that can be used to supplement retirement income. Share the client brochure with them.
  • Fit Underwriting – it makes a difference
    Learn how Fit works and make sure you are using the Fit test with every application.
  • Term Life Express Living Benefit package for non-ROP policies – Learn more.

 

 

 

 

  • Pru’s UL product portfolio is evolving with your clients needs – Learn more.
  • Life Insurance – a powerful tool for your clients retirement strategies
    Your clients may have doubts about their income in retirement. And they should since almost half of Americans aged 56-62 would run out of funds needed for basic retirement expenses if they retire at age 65. In addition to death benefit protection, life insurance with cash value growth potential can also give your clients options in retirement that they may not otherwise have. Use this Retirement Derailer eKit to help introduce life insurance as part of your clients’ retirement strategy.
  • Competitive Edge Series
    Competitive Edge is designed to provide insight on where Prudential products shine and compares their products to the top competitors, demonstrates their sweet spots, and highlights how they beat the competition based on certain features or scenarios. Learn more and get the Term Essential Competitive Edge.
  • 9 Tips for using life insurance to protect affluent client assets
    This article shares relevant strategies to help protect your affluent clients with death benefit protection and the potential to grow their retirement assets on a tax-advantaged basis. Gain insights and actionable life insurance strategies to help your clients plan for a successful retirement. Read the article.
  • Underwriting Marijuana
    Become familiar with how marijuana use may affect your clients’ ratings. View the Rx for Success. Watch the Marijuana and Alcohol Use presentation.
  • UL Protector & SUL Protector Changes – COMING IN SEPTEMBER & OCTOBER
    • UL Protector premium increases – effective September 26th
      • Level Pays: 1% – 2%
      • Single Pays: 5%
      • Short Pays: Somewhere in between level pays and single pays, depending on duration.
    • SUL Protector premium increases– anticipated sometime in October
      • Level, Short, and Single Pays: 3%.

 

 

  • Get a lower price and up to 100% premium back
    Symetra UL-G already provides among the lowest guaranteed premiums in the industry; and now it has even more to offer with the new Return of Premium (ROP) Rider. Learn more.
  • Enhanced Term Product now available in CA – Read the bulletin.

 

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ANNUITIES

 

 

  • Important information about state replacement forms for index annuities
    Read the details and transition rules.
  • Teach your clients about fixed annuities
    Help them understand the power of tax-deferred growth. Illustrate these benefits using the “More tax flexibility with fixed annuities” sales idea.
  • How to do business with AIG
    Doing business with AIG is now easier than ever with this newly revised “How to Do Business” flier; which combines all the information you need to know about writing Fixed and Index Annuity business with AIG.
  • Commission rate change for American Pathway SolutionsMYG – View the reminder.
  • A savvy Social Security strategy could mean a big advantage in benefits – Get details.

 

  • Triple Laddering – an Indextra sales idea
    This flyer demonstrates how clients can pursue annual crediting opportunities and potential for higher participation rates by laddering their funds into 1-, 2- and 3-year allocation options.
  • Joint IRA Payouts: Income for Two – See the sales idea.
  • Use video to connect with clients
    Video can connect with clients on complex financial topics. Integrity Life’s new public YouTube channel can help. Just click to view videos on retirement strategies, Social Security, carrier strength and more.

 

  • Payout comparisons for Deferred Income Protector
    Learn more about United of Omaha’s Deferred Income Protector and see how their August payouts compare. You will find that they offer some of the best payouts in the industry.

 

  • New Suitability Regulation for MA – Get details.
  • Illustrated rates for the Threshold Participation Strategy (TPS)
    Download the new flyer for quick access to see the TPS competitiveness.  Also, download the State Availability Chart.
  • What is the “real” rate of return?
    Download this new client-friendly flyer showcasing the impact of taxes and inflation on CD rates.
  • IncomeChoice 7 – NEW PRODUCT – launching August 16th – Learn more.
  • Rider change – effective August 16th
    The Income Pay Plus optional Guaranteed Lifetime Withdrawal Benefit Rider (GLWB) will no longer be available on the Charter Plus II fixed index annuity. Applications received on or after August 16, 2016 cannot be issued with the rider on this product. View the updated state availability chart.

 

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LONG TERM CARE

 

 

 

 

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DISABILITY / CHRONIC ILLNESS

 

 

  • The Priority Income Protection Priority Service Guarantee
    It’s FAST, or you get $100! View the rules.

 

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MEDICARE SUPPLEMENTS

 

 

 

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BROKER/AGENT INCENTIVES

 

 

 

 

 

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

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

 

Get complete details.

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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.

 

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2016 EPIC Reward – Elite Producer Club

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

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

 

Learn how.

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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.

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Fast Cases / Fast Money (EXTENDED THROUGH AUGUST 15, 2016)

(Qualification period: March 1 – August 15, 2016)

For every five term or whole life policies submitted through SBLI’s ZipApp drop ticket with an annual premium of $500 or more between March 1 and August 15, 2016 and paid for by September 30, 2016 agents will earn $500 in Amex cards. Submitting five additional policies which meet these criteria will earn an additional $500, up to a maximum of $5000!

Get complete details.

 

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