August 31, 2016


We will be closed on Monday, September 5, 2016

in observance of Labor Day.

Have a safe and wonderful holiday.




  • 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.


  • 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.

  • An entire micro-site full of LIAM materialsGo now.



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  • 6 problems solved by life insurance
    Life insurance is the only certain way to create “instant” capital. That capital, in turn, can be used by clients to solve a multiplicity of personal and business problems. Read more.
  • Why aren’t retirement savers choosing annuities?
    Savers turn away from annuities based on behavioral factors, Center for Retirement Research says. Read more.
  • Talking to prospects: sales call or cross examination?
    How to learn more about your prospect’s needs without sounding like an interrogator. Read more.
  • Charitable gift annuities vs. commercial SPIAs
    In the mortality-based income world, there is plenty of room at the table for both CGAs and commercial SPIA contracts. Read more.
  • Getting (cautiously) creative with split-dollar life insurance
    Although private split-dollar life insurance plans have lost some of their appeal, this approach to intergenerational wealth transfer still holds appeal for some affluent clients. Read more.
  • Adjustable life insurance: Pros and cons
    Adjustable life insurance is a “flexible premium” “adjustable death benefit” type of permanent cash value insurance. Its advantages and disadvantages are explored here. Read more.
  • How to help protect your clients from economic and financial uncertainty
    Your clients look to you for financial guidance. As their advisor, you can help them immeasurably by taking the current economic climate into account. Read more.


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  • USADATA Promotion
    USADATA is running a special promotion for Mutual of Omaha agents and managers between August 17, 2016 and September 30, 2016. Use promotion code HD10 to get $10 off your order plus an entry into a drawing to win a 40-inch Samsung HD Smart TV.


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  • New Table Reduction program for Signature GUL
    Your clients deserve the highest underwriting rating possible.  The new Table Reduction Program for Signature GUL could transform your case from Table 4 up to Standard. Eligibility ranges from ages 18-70 with face amounts up to $2,000,000.
  • Eagle Advantage
    Learn more about this automatic Table Reduction program.
  • Underwriting Express
    This express underwriting program is designed to speed up the underwriting process to allow for quicker issues. Learn more.
  • Underwriting GuidelinesDownload them now.
  • Signature GUL Data Page Correction
    A remediation letter and new data page has been mailed out to all clients and their agent of record to correct the dates listed for the guaranteed cash out option periods. The old data page incorrectly printed the starting year of all rider option periods as 2016 rather than 15, 20, or 25 years from the start of the policy. For example, if a policy began July 1, 2016, the years on the policy option dates will now reflect the year of the 15th, 20th, and 25th policy anniversaries as follows:

    • Policy Year 15
      Option Period Start Date: July 1, 2031 – Option Period End Date: August 31, 2031
    • Policy Year 20
      Option Period Start Date: July 1, 2036 – Option Period End Date: August 31, 2036
    • Policy Year 25
      Option Period Start Date: July 1, 2041 – Option Period End Date: August 31, 2041
  • New temporary coverage language for Kansas
    Beginning August 27, 2016, all Kansas applications will contain new temporary coverage language that has been approved by the State of Kansas as complying with Kansas statute §40-451. This change makes the Kansas application form consistent with American National’s current claim process and more clearly communicates the temporary coverage to the applicant. For agents that access applications electronically, this change should be seamless. When you begin a new application, you will automatically be taken to the updated application. For agents that use paper applications, please destroy your old stock and replace it with the updated application version. For agents that have saved an electronic version to their desktop, please delete the file and replace it with the updated application version.  The application number in the bottom left corner will be the same but you can ensure you have the correct version if there is a 3-16 in the bottom right corner. To allow you to complete any transactions in process on the implementation date, you may submit business on the older Kansas application form through September 16, 2016.


  • Stay on top of the term marketSee the new lower rates.
  • Learn how Protection UL can help you top the sales charts
    View the training presentation and competitive flyer showing how Protection UL can give your clients more.
  • Introducing Gym Discounts from John Hancock Vitality
    John Hancock wants to make healthy living easier and more affordable for your clients. That’s why they’re introducing gym discounts as part of the Vitality program. When your clients join one of their partner gyms, they’ll waive certain enrollment and membership fees, saving them hundreds of dollars each year. Learn more and show your clients how they can start saving more today!
  • Achieving success in the Global High-Net-Worth MarketLearn how.


  • Top 5 Programs at LGA
    • OPTerm 25 Exchange Program
      A limited-time exchange program gives existing customers a valuable option to swap policies and restart term coverage for another 25 years.
    • APPcelerate
      Available through the AppAssist tele-application program, APPcelerate is an automated underwriting system that can speed qualified applicants through to approval with no medical exams, labs or APSs.
    • Get More Program
      A policy upsell program in which LGA can offer increased coverage amounts to proposed insureds who have been identified by the underwriter as eligible for larger face amounts.
      A flexible eDelivery solution that will save your agency time and money.
    • Partner Dashboard
      A new modern website design that is responsive and mobile-friendly.
  • New application for Kansas
    The new form is: ICC16-LIA-KS (10-08) which replaces ICC08-LIA (10-08). Please discontinue use of the now-obsolete application. The former versions of this form will be accepted until September 23, 2016. Below are the revisions that have been made to the Kansas Limited Insurance Agreement (LIA):

    • Includes an additional statement regarding MIB time limits, which reads: “With respect to time limits in an authorization, the time limit complies with the time limit, if any, permitted by applicable law in the state where the Policy is delivered or issued for delivery.”
    • Revised language has been added to the state specific TIA-KS, as authorized by Kansas, and limits TIA coverage to $25,000.


  • Important Product Updates
    • On September 12, 2016, the Lincoln LifeGuarantee UL product will require higher premiums on new sales. The current version of the product will sunset on October 14, 2016 in approved states.
    • Effective October 9, 2016, current Cost of Insurance (COI) rates are being changed on some Legend Series Universal Life policies issued by Jefferson Pilot (now The Lincoln National Life Insurance Company) between the years 1999 and 2007. While the majority of these changes are increases, some policyholders will also see decreases, reflecting Lincoln’s commitment to acting fairly and responsibly. It should be noted that a large percentage of those policyholders with a COI increase have a lapse protection rider or provision which remains in effect.
    • Get more information about these changes.




  • Use Age Last Birthday to your client’s advantage
    With Age Last Birthday, your clients get great rates because our policies are underwritten based upon a client’s age at his or her last birthday. Plus, we can backdate 6 months to save age!
  • Help businesses diversify with Income Advantage IUL
    Learn how an IUL policy can help business owners diversify their assets; as well as which questions you should be asking.
  • The Living Benefit Package for TLE (non-ROP)Learn about it now.



  • Products available for conversionCORRECTIONGet the list.
  • Indexed Choice UL loan interest rate reduction & illustration updatesLearn more.
  • Custom Choice UL rate decreaseLearn more.


  • Consumer letters to promote Trendsetter Term
    Use these new term life insurance, Trendsetter Super, and Trendsetter LB letters to make a connection with new and existing clients.
  • Updated Questionnaires
    All supplemental questionnaires have been updated; which required an assignment of new form numbers. View the affected forms. Please note, the new forms do not allow alteration after submission. If any information is incomplete or requires changes, a newly completed questionnaire must be submitted. Use of the new forms is required for any questionnaires received on or after October 1, 2016.
  • New Final Expense form required in Washington
    A new Accelerated Death Benefit Rider Disclosure Form is required for Final Expense sales in of Washington. The new form number is ACC-DISC LR WA 01. This form will be required with all applications received on or after October 1, 2016.


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  • Give steady growth potential with ML Strategic Balanced IndexLearn more.



  • Help calm clients financial concerns
    Use this Income Fact Finder to help clients chart a retirement game plan to calm their concerns about:

    • Outliving Their Income
    • Not Maintaining Their Current Lifestyle
    • Healthcare Expenses
  • Triple Laddering
    Triple laddering is a strategy that offers the potential for more opportunity from Indextra fixed indexed annuity. Use this flyer to show clients how.


  • Guarantee Choice MYGA rates decreaseeffective September 1stGet details.
  • Guarantee Choice II MYGA rates decreaseeffective September 1stGet details.
  • SPIA changeseffective September 1st
    Period certain terms less than 10 years on the North American Income single premium immediate annuity (SPIA) will temporarily be unavailable. Click here for updated election form.


  • Updated producer guidelineseffective September 1st
    • New Business cannot request funds from another company until they can perform a suitability review. This means New Business must have a completed Consumer Suitability Questionnaire on file for applications where it’s required (see Producers Guide page 7, part B). This is to protect OneAmerica from receiving funds from another company in a situation that we may deem unsuitable.
    • All required NAIC Annuity training (product specific and state specific) must be completed prior to New Business requesting funds. These training requirements are state specific – whichever states have adopted the NAIC Annuity regulation. As a reminder, a new application and Consumer Suitability Questionnaire must be completed and submitted to New Business prior to issue.



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  • Performance LTC
    • Learn how Performance LTC is transforming the industry
      Watch Scott Williams, Vice President of LTC Insurance Sales and Distribution, talk about how Performance LTC is Transforming the Long-Term Care Insurance Industry. Play the video now. To learn more, read the Thought Leadership brochure – LTC Insurance: An Industry in Transition – or view this PowerPoint presentation.
    • Boost your sales with the new Performance LTC Seller’s Guide
      The new Performance LTC Seller’s Guide outlines five comprehensive steps to boost your sales and includes a series of talking points to help you position the product with your clients.


  • A new approach to Long-Term Care InsuranceLearn more.
  • LTC Legacy block rate adjustment for CAeffective December 1stGet details.


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  • Celebrating 50 Years of Medicare Supplement Sales – Read their message.
  • Michigan Sales OpportunityMutual will now accept non-guaranteed issue replacement Medicare supplement business in Michigan 180 days out. Learn more.
  • High Deductible Plan F & Plan N now available in New Mexico Learn more.
  • Rate adjustments for AR, IA, ND & NV 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.





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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