December 21, 2016


Upcoming Webinars


  • 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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Finish Strong in 2016!

Year-end dates have been added to the TMA website and continue to be updated.

Simply log in to the TMA website and choose “Year-End Deadline Dates” from the menu on the left.


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  • Insure Your Love Campaign
    Get a jumpstart on planning your best year yet. Use the Insure Your Love campaign, which Life Happens coordinates, and start the year strong as you remind people of why they need to protect their loved ones with Love Insurance. Here are 5 TIPS to get started. Watch!


  • 10 ways to prepare for the fiduciary rule
    If you currently work with qualified retirement plans, here are 10 things to consider as you decide which pathway to the future to follow. Read more.
  • For retirees, annuities offer guaranteed income – and peace of mind
    The flexibility of these products also make them attractive to investors. Read more.
  • 7 ways retirees can make money
    Retirees worried about running short of money might consider one of these seven ideas to bring in extra cash. Read more.
  • An insurance executive’s guide to navigating industry shifts
    Here are six strategic priorities that insurance executives should focus on through forthcoming changes and uncertainties. Read more.
  • Coming in 2017: More pot-smoking life insurance policyholders
    Many policy applicants – notably low to moderate users who are healthy or have a prescription for medical marijuana – can receive the most favorable rates. Read more.
  • SPIAs: A historical perspective
    Looking back on the history of SPIAs shows us their value for future generations. Read more.


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  • Holiday Office Closures
    • Closed on December 23
    • Closed on December 26
    • Closed on January 2



  • Holiday Office Closures
    • Closed on December 26


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  • More exciting news on Select-a-Term
    • 18 term durations; including a just-released 35-year term
    • Extended conversion eligibility for full suite of permanent life products
    • Leading rated case pricing and competitive rates for smokers
    • Just-released, lower band available for non-medical underwriting submitted through AG Quick ticket within certain parameters
    • Visit the Term Life website
    • See the New York products “playbook”
    • See the Term Conversion “playbook”
  • Discontinued products in New Yorkeffective December 30th
    With the launch of Secure Lifetime GUL 3 in October, AIG has rounded out a top-tier offering; including Term, IUL and Whole Life products. They are now taking the opportunity to further streamline their product portfolio in New York and discontinuing products with low utilization. Effective December 30, 2016, the following products will be discontinued:

  • An easy to understand tax diversification strategyShare it with clients.


  • Signature Guaranteed Universal Life – highly competitive pricing
    Signature GUL premiums are competitive in a variety of scenarios. But beyond pricing, there’s more about what sets it apart:


  • Last chance to get clients a FREE UNDERWRITING UPGRADE
    Global is raising Standards to Preferreds and Preferreds to Premier! Don’tyou’re your agents miss out on this. Any permanent case up to and including $1mm is eligible. The application must be signed by December 31, 2016 and they must receive it no later than January 16, 2017. Download complete details.


  • The P&C Three-Point Play



  • Improvements to the Substandard Build Chart
    The improvements may afford your clients a better offer! Get details.


  • Life Insurance can help solve for multiple needs
    A great asset in a clients’ portfolio is one that can solve more than one need. According to LIMRA, the biggest financial concern among Americans is their ability to afford retirement. With MetLife Premier Accumulator Universal Life (PAUL), clients can have the death benefit protection they need and the faster access to cash value they want.
  • MetLife to sunset life insurance products in 2017Learn more.


  • Make life easier with Mobile Quotes
    Learn how to download Mutual of Omaha’s Quotes for Sales Professionals and make your life more organized and productive.
  • Learn what makes Income Advantage IUL unique
    Indexed Universal Life insurance provides your clients with life insurance protection – and more. Learn about the features that set Income Advantage IUL apart in the marketplace.


  • Revised advertising guidelinesDownload them now.
  • MEC by choice, not by chance
    Read more about a new client-focused procedure effective January 1,2017; as well as important reminders and clarification regarding several IRS tax requirements for life insurance policies.


  • People want to live to 100. Will their financial plans get them there?
    Considering that the average American only has savings that will last them a short while in retirement, we need to think of how to help them add more life to their years by helping them look at ways to make their savings last longer. Life insurance not only provides death benefit protection, but the additional flexibility some products offer – like building cash value or the ability to add riders – can potentially help address their concerns about outliving their retirement savings. Use the materials below to help your clients.

  • Enhancements to the Benefit Access RiderGet details.
  • The Business Succession Plan – do your clients have one?
    Neglecting to create an exit plan for the future of the business can create financial hardships for remaining business owners and partners, as well as the owner’s family. Both creating and funding a buy sell plan is as essential to the continuation of the business after the loss of an owner. Read more.
  • Paying for College – A Practical Guide for Families 2016 Edition
    For families trying to understand the complex world of financial aid – from grants and scholarships to federal loans and work study programs – this guide will help them make informed decisions about when, where, and how to assemble a financial aid package that meets their needs.
  • Student Loan Repayment – options to pay off debt
    71% of the class of 2015 graduated with student loan debt, as compared to 54% twenty years earlier. This guide helps families understand how various types of student loans can be repaid, and, in some cases, even forgiven.


  • Accelerated Underwriting Consumer Marketing Kit
    Your agents will want to tell everyone they qualify for our Accelerated Underwriting. Here’s how they can! From customizable emails, to print-ready flyers and postcards, to telemed call-prep guidelines, this marketing kit has everything they need to attract clients. Have them use this link to choose and download the pieces they want to use.


  • Adjustment to TransNavigator IUL maximum illustrated ratesGet details.
  • Updated trial application submission guidelines
    Effective January 1, 2017, trial applications will only be available on permanent products for insured ages 50-80 and with face amounts of $5 million or greater. Those that do not meet these age/face guidelines will be reviewed if the annual premium is $25,000 or greater and the anticipated premium is clearly indicated on the cover page. Trials on term products will no longer be reviewed. Trials can be submitted via the secure email platform or faxed to 800-814-2205.


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  • American Pathway Annuities
    • Rates
      American Pathway Immediate Annuity & Deferred Income Annuity rates INCREASED on December 19, 2016. Download the rate sheet.
    • Changes to the American Pathway Fixed 5 & 7 Annuities now in effect
      Recent enhancements have been made to these products which feature multiple guarantee periods and return of premium options

      • New guaranteed minimum interest rate
      • Commission change to the Fixed 7 Annuity
      • Market value adjustment conversion to Barclay’s
      • Updated forms and marketing materials
      • Learn more.
    • New Client Profile Forms
      In an effort to reduce the number of not-in-good-order (NIGO) cases due to incomplete forms, American Pathway Immediate Annuity, American Pathway Deferred Income Annuity, and American Pathway series of fixed annuities Client Profile forms have been modified. Read the bulletin.
  • Knowledge is Power – Index Annuity client education materials
    Use these client-approved flyers to help illustrate how today’s index annuities work and to help show clients how an index annuity can help them prepare for retirement:

  • 72(t)/72(q) BusinessCLARIFICATION
    Recently, AIG has received requests for 72(t)/72(q) quotes where the type of policy does not allow for the Substantially Equal Periodic Payments (SEPP) withdrawal. As a reminder, the following types of policies do not allow for 72(t)/72(q) withdrawals:

    • Stretch or Beneficiary IRA
    • Roth IRA
    • Single Premium Immediate Annuity
    • Any product with a Market Value Adjustment (MVA)
    • Any product that does not allow systematic withdrawals, even if they allow partial withdrawals
    • Any annuity contract with a loan, by company practice
  • Alabama Adopts NAIC Suitability Model Regulationeffective January 1, 2017
    All Alabama licensed producers must complete product-specific training by January 1, 2017. After the relevant effective dates have passed, applications cannot be accepted for processing unless the training is completed on or before the date of client signature. If the training cannot be verified, the business will be considered “Not in Good Order” and the advisor must complete the training and obtain a new client signature prior to resubmitting the application.


  • Annuity updates
    • ANICO Strategy Indexed Annuity PLUSNEW strategy available
      Effective January 1, 2017, the One-Year Point to Point with 50% Participation strategy will be available.
    • Century 1, 3, 5, & 7 temporarily withdrawn from California
      Due to California regulations, Palladium Century 1, 3, 5, and 7 will be withdrawn December 31, 2016. No Century 1, 3, 5, or 7 contracts will be issued in California after December 31, 2016.

      • To ensure applications are issued before year-end, all applications and requirements must be received in the Springfield Processing Center no later than December 27th at 5:00 p.m. EST to allow time for processing.
      • Transfers or Exchanges that do not submit money with the application cannot be guaranteed to issue.
      • Palladium Century will still be available in California.




  • Boomer Annuity discontinued in CAeffective December 30th
    The Boomer Annuity traditional fixed annuity will be discontinued in California effective December 30, 2016. Applications for this product must be received in the Home Office by December 30, 2016 at 12:30 PM CT.


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  • LTC rate adjustmentseffective March 1, 2017Get details.
  • This Step-By-Step Guide leads you to LTC sales
    Before you can offer a solution, you need to know the problem. In other words, you need to know what’s keeping your prospective clients up at night. This guide can help.


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  • Medicare Advantage disenrollment period guidelines
    This is a reminder that the Medicare Advantage Disenrollment Period (MADP) begins Januar 1, 2017.
  • California “under-age-65” change
    Under-age-65 Medicare supplement business is no longer accepted for High Deductible Plan F underwritten by Mutual of Omaha Insurance Company. Under-age-65 new business IS available for Plans A, F and N only.
  • Application requirement for “non-English speaking/reading” applicants
    If an applicant does not speak and/or read English and requires a translator in order to complete an application, Form MLU25947 must be signed and submitted with the application.


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

(Qualification period: ENDS December 31, 2016)


Get complete details.

 iPad Pro Contest

(Qualification period: ENDS 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: ENDS December 31, 2016)
Get details.




Perfomance LTC 2016 Producer Bonus Program

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

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

Get complete details.



Year-End Crunch Contest

(Qualification Period: Cases submitted after November 1 and paid for by December 31, 2016)

Get complete details.


Earn up to $500 for selling CareShield!
(Qualificaton period: ENDS 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: ENDS 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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