August 24, 2016



  • Life Insurance Policy Valuation20-minute webinar
    Explore the complex world of valuing a life insurance policy in different transfer scenarios.

  • LTC Captivate 2.0 Webinar
    This training webinar is an easy way to learn more about how using LTC Captivate 2.0 can support your sales.


  • 8 Ideas to Help Improve Your Clients’ Retirement
    Lincoln Financial Group is proud to sponsor a one-hour webinar hosted by Society of Financial Service Professionals. As a benefit of their sponsorship, the webinar cost is waived for all Lincoln Financial Group attendees. LFD’s Kevin Cox will present “Eight Ideas to Help Improve Your Clients’ Retirement, Legacy, and Charitable Goals using Life Insurance.”  The presentation will address opportunities to grow your practice through a series of questions to your clients and your professional referral sources.



  • IncomeChoice 7 Fixed Index Annuity – WEBINAR REPLAY
    In case you missed the recent fixed annuity web for this new product, you can check it out here.


  • 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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September is Life Insurance Awareness Month and a great reason to connect with potential and existing clients. This national, industry-wide campaign helps educate Americans about the importance of life insurance and helps ensure families are adequately protected.

Help your agents take full advantage of all the resources that feature the 2016 LIAM spokesperson – race car driver Danica Patrick. Have them watch!


Her message is simple, “Driving race cars is risky. Not having life insurance is riskier. It means leaving your loved ones to suffer financially if something happened to you,” she says.

Your agents can use these and all of the LIAM resources that Life Happens has created, available at www.lifehappens.org/liam.

Did your agents miss the LIAM webinar?

They can watch here to learn about all of the resources Life Happens has created for LIAM and how to incorporate them into their LIAM plans.


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  • 7 Steps for Successful Aging
    We tend to think if we’re healthy, we’ll stay healthy. Dr. Bob Pokorski shares a few positive steps that if taken today may help increase one’s chances for a longer and healthier life. Read more.
  • 6 things you must know about increasing income with Social Security
    Financial vehicles for retirement have evolved in recent years, and the market will only continue to change. Read more.
  • 3 good closing lines, 3 bad closing lines
    Sometimes clients and prospects get stuck. When that happens, a great closing line can make all the difference. Read more.
  • 7 new LTC planning marketing graphics
    Planning ahead: The Federal Interagency Forum on Aging-Related Statistics has released fresh data about aging in America. Read more.
  • Return of Premium life insurance policies solve problems
    Logically and financially, ROP life insurance is a good buy. But how do you sell it? Read more.


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  • Gainfully – a new Social Platform
    Gainfully allows your agents to access a library of approved social media resources and automatically share them with clients and followers. They can get started here.


  • California Claims Processing Requirements
    As directed by subsection 2695.5(d) of the California Fair Claims Settlement Act, all agents licensed within the state of California are required to immediately forward notice of all claims received to the insurer. In accordance with the requirement, all claims information received for Protective Life Insurance Company should be immediately forwarded to: Protective Life Insurance Company, Brentwood Claims Office, 1620 Westgate Circle, #200, Brentwood, TN 37027, 800.424.1592. Failure to immediately forward notice of a claim to the insurer shall constitute a separate and distinct violation of California Insurance Code Section 790.03(h)(3) and subsection 2695.5(d).
  • Introducing My Hub Mobile App
    This mobile app that enables agents to quickly access pending case statuses and generate quotes for Protective Custom Choice UL.Learn more.


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  • The Select Income Rider for Value+ Protector & Max Accumulator+ IUL
    • What does the Select Income Rider do?
      It converts a portion or all of the life insurance benefit for beneficiaries to a predefined guaranteed set of annual payments (10%-100% of DB for 10/20/30YRS).
    • Why utilize this rider?
      Not only could this rider help beneficiaries manage ongoing expenses (instead of receiving a lump sum death benefit all at once), it could also lower the policy’s cost of insurance charges; which may enable cash value to accumulate faster.
    • Competitive Situation
      If the cash value accumulates faster this could help boost disbursements in a competitive situation!
  • Accelerated Acces Solution (AAS) chronic illness rider
    The AAS is available on specific IUL and GUL policies.


  • OPTerm 25 Exchange Program
    • Updates
      The submission process is easier than ever. They’ve updated the report and the guaranteed exchange form. It’s fast! In some cases, the new policy can be issued within 24 hours. Get details.
    • New Marketing Kit
      These new marketing materials make it even easier for your agents.

      • Consumer Materials
        • Letter: Explain the exchange opportunity to clients.
        • Follow-up letter: Remind clients about this limited-time offer.
        • Phone script: Use this as a guide when speaking to clients.
        • Case studies: Help clients decide if 25-year term is right for them.
        • Promotional Flyer: Personalize this flyer to promote the program to clients.
      • Broker Materials
        • Promotional Flyer: Personalize this flyer to promote the program to brokers.
        • FAQs: Find answers to your questions here.
  • Underwriting Colorectal CancerRead the dialogue.


  • Life Insurance as an AssetProvide growth & protection with Cash Value Life.
  • The Top 5 Myths about UnderwritingDebunk the misconceptions.
  • 6 Ways to Build Your BusinessCrack the millennial market.
  • 5 reasons clients may need more life insurance
    Whether their existing policy is from MetLife or another eligible carrier, the Class Match Program 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. But don’t wait, because this program is only available until December 31st, 2016. It’s a great solution for clients who need more coverage due to:

    • Birth of a child/grandchild
    • Marriage or divorce
    • Purchase of a home
    • Opening of a business
    • Increased income
  • Premier Accumulator UL
    The resources below will help you show clients the opportunity this unique product offers. Deliver real value to your clients, where they need it most.


  • The new “What If” illustration
    Clients ask more questions and demand more information than ever before. With the new “What If” illustration, you’ll be ready to answer questions about the highly flexible GUL. Also, watch the “What If” video for even more.
  • Children’s Whole Life – Jump on the Bus!
    Back to School season is the perfect time to talk to clients about Children’s Whole Life; which provides peace of mind, protects future insurability and offers a simplified application to streamline the approval process. Have your agents customize this Consumer postcard and send it to their mailing list.
  • Income Advantage IUL – what you need to know
    Income Advantage offers clients an indexed universal life insurance with added flexibility for life’s changes. This training website is available for your agents to learn more. These prospecting pieces can help your agents get in front of your customer.
  • Life Insurance for Living
    This Life Insurance for Living brochure is a great way to start a conversation with your clients and gather the information you need to take the next steps. Available in English or in Spanish.


  • Underwriting enhancements for Visa GuidelinesGet details.


  • How to Address 5 Retirement Derailers with Life Insurance
    Learn how to position life insurance as an effective tool that not only provides valuable death benefit protection, but also has the potential to build cash value to supplement clients’ income in retirement. This microsite helps you address five challenges that can derail years of retirement preparation:

    • Taxes
    • Healthcare Expenses
    • Outliving Assets
    • Market Volatility
    • Low Interest Rates
  • LIRP Illustrations are now available in Winflex
    You now have the ability to run LIRP Illustrations (previously only available in PLI) within Winflex! The LIRP illustration, used in conjunction with the LIRP Consumer Brochure, can help clients address their protection needs and provide another potential source of income during retirement.
  • Provide Business Owners with an Efficient, Flexible & Tax-Advantaged Strategy
    Business owners want to attract and retain top talent. They also want the solution to be easy to implement and to control whom on their payrolls it’s provided to. An executive bonus arrangement funded with life insurance may be the right solution. Learn more about this concept.
  • Form revisionsRead the bulletin.


  • UL-G’s Chronic Illness & ROP Riders
    In addition to a guaranteed death benefit, Symetra UL-G offers Chronic Illness Plus and Return of Premium (ROP) riders for extra flexibility and access-at a lower premium than the competition. Learn more.


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  • American Pathway Deferred Income Annuity (DIA)
    The DIA now offers a one-time opportunity to withdraw up to 100% of the present value of remaining guaranteed income payments as a lump sum. Learn more.


  • The new Threshold Participation Strategy is now available in UTLearn more.
  • Enhanced illustrations
    Introducing new illustration enhancements on the optional Income Pay Plus Guaranteed Lifetime Withdrawal Benefit Rider. Run an illustration today to showcase the benefits of Lifetime Payment Amount (LPA) Flexibility:

    • “Required Minimum Distribution + Reserve” concept now illustratable
    • Use LPA Reserve to create customized LPA streams for clients


  • Most common suitability considerationsRead more.
  • Why Annuities are a Smart Option in a Low-Yield Environment
    Earlier this week Carolyn Johnson, President of Annuities, was featured in a sit-down video interview with TheStreet’s Gregg Greenberg. Carolyn explained how working Americans are increasingly facing a “DIY” retirement. The aging of the U.S. population, rising healthcare costs, and the decline of traditional defined benefit plans highlight the need for dependable income solutions. Watch now.
  • Voya Wealth Builder Series of Annuities
    Help customers Grow, Protect and Enjoy their Orange Money with the Voya Wealth Builder family of annuities. Click the below links for further details on each of these industry leading products:


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  • Rate adjustmentseffective November 1stGet details.


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  • Save time with the DI Tele-ApplicationLearn more.


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  • Hospital Choice Savings Program pilot for COGet details.
  • In-Force-Only Rate Adjustment for WV effective October 1stGet details.


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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.





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.







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.






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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