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Newsletter February 15, 2017

by | Feb 15, 2017 | Newsletter

February 15, 2017
UPCOMING WEBINARS

 

  • Safe Harbor 401(k) Plans
    You’ll learn:
    – What is a Safe Harbor plan?
    – How does it differ from a regular 401(k) plan?
    – Who are your prospects?
    – What do you say to get their attention?
    – Why is it such a popular plan for the small business?

  • Learn how eSignature Eases Electronic App Submissions
    eSignature is available on most of Integrity’s fixed, indexed and immediate annuity electronic apps. Spend a short 30 minutes to see how this technology can reduce errors and fill out all required documents with a click of a few buttons!

  • PUL & LifeTrack: Keeping Your Insurance Plans On Their Intended Path
    • February 22nd at 1:00 PM CT – Join the meeting here.
      Meeting #: 631 422 962  PW: TMA123
      Dial-in #: 866-518-0783  Passcode: 185874
  • Introducing Orion IUL – COMING SOON!
    A flexible death benefit is just one of the great features. Attend one of the upcoming webinars to learn even more!  Attend one of the webinars below to learn even more.

  • Smart Money Using Rapid Builder IUL
    Smart money is money your clients want to control and be able to access during times of need. While there are several places to store smart money, one option to consider is indexed universal life insurance. Learn how to help your clients make their smart money even smarter!

  • Retirement Planning Using IUL
    Help your clients protect what’s important now while giving them a way to enjoy financial freedom later. Find out how the concept works, learn how North American’s Builder IUL can provide additional stability for the retiree and get illustration software tips to help build a compelling case.

  • A Tale of Two Incomes
    Are your clients looking for a storybook ending? The NAC IncomeChoice fixed index annuity series can help cover their retirement needs and wants.

  • How to Reach the Next Generation – REPLAY
    Get tips on how to reach the next generation of a client’s family, or introduce yourself to the successor of a business owner client.

  • Recharge your social media with Gainfully – REPLAY

 

  • 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 2:00 PM CT.  Click here to register for a date that works best for you!

 

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SALES, MARKETING & INDUSTRY ARTICLES

 

 

  • 4 ways to bridge the $12 trillion life insurance gap
    A recent LIMRA study points to a significant underinsured life insurance market. Here’s where the biggest opportunities are to fill that need. Read more.
  • 2017 Life Insurance Planning:
    Why this could be a strong year despite uncertainty in the tax law
    Check out this recent article and get a pro’s perspective – in case your crystal ball has been on the fritz lately too. Read more.

 

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CARRIER NEWS

 

 

 

 

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LIFE INSURANCE

 

 

  • Here’s a simple explanation of how index interest accounts work
    While an IUL policy is not a savings account, it may be easier to understand how an IUL index interest account works by understanding how the fundamentals of a savings account at your bank works. Explore the informative and easy to understand explanation of how index interest accounts work. Then use the tools to show prospects and clients:

  • Campaign in a Box
    Get sales ideas, client prospecting tools, and unique selling strategies for client meetings. Two campaigns available.

 

 

  • Signature GUL
    • The difference is in the Cash-Out Rider – case study
      Sarah and Shane were in their early 50’s, and Shane had recently received a promotion. Shane had been increasing his group term at work but felt he also needed to provide permanent protection for his family in addition to group term. Shane was looking for the most cost efficient way to provide permanent protection for his family. Keep reading to see how the Signature GUL Cash-Out Rider can help Sarah and Shane.
    • Signature GUL for return of premiums at certain anniversaries
    • Signature GUL Table Reduction Program

 

  • Introducing ENHANCED Living Benefits with the Accelerated Access Rider
    The Accelerated Access Rider now offers benefits for individuals with a critical illness diagnosis. This improved and flexible chronic care – and now critical care – rider accelerates a portion of a policy’s death benefit when an insured is diagnosed as either chronically or critically ill by a licensed physician. Payments received by your client can be used to help pay for expenses such as adult daycare, assisted living, family care and nursing home costs. Read the announcement. Visit the website to learn even more.

 

 
(soon to be Brighthouse)

 

  • Discover Orion – their newest IUL product
    • Faster compensation
      Your healthiest clients could be approved for coverage in fewer than 3 days, so you can get paid faster.
    • More indexed growth opportunities
      Six indexed accounts, including two uncapped options, give your clients more choices.
    • Flexible death benefit
      Provide lifetime protection for your clients, and give them flexibility in how their death benefit is paid with the Income Protection Flex Agreement (IPA Flex).
    • Enter to win $500!
      Attend an upcoming webinar (see schedule above) to learn about these and other product features for Orion and earn a $5 Starbucks gift card along with a chance to win a $500 Visa gift card!

 

  • Changes to life insurance applications
    Life insurance applications have a new format that is easier to use and requires less follow-up. Transition rules are:

    • Beginning February 13, 2017, you  have access to the updated paper applications on all form websites. Updated applications will be available via eApp on April 1, 2017.
    • Old applications will be accepted until March 31, 2017. Applications received April 1, 2017 and later must be submitted on the updated application form only.

 

  • Life portfolio changes – effective March 1st
    Effective March 1, 2017, sales of GUL Plus and GUL Survivor products will be suspended. GUL and GUL Express will remain available. Get complete details and transition rules.
  • Help your agents determine which coverage is right for their client?
    Have your agents use this ‘Which insurance coverage is right for you?‘ flyer to introduce their clients to the different types of life insurance – in an easy-to-understand way!
  • My Wishes Record Keeper
    Help clients keep their records and wishes in order with this customizable My Wishes Record Keeper.

 

 

  • Revised IUL products
    North American has revised its’ Builder IUL, Guaranteed Builder IUL and Rapid Builder IUL products. They are approved and available in all states except CA, DE and MT. Survivorship GIUL will NOT be changing at this time. Read this bulletin to learn what has changed with products. Transition rules are:

    • Both new and old generation products will be available for issue between January 30 and February 17, 2017. In order to receive the ‘old’ product versions, the applications must be signed and received by the administrative office by February 17, 2017.
  • Are you illustrating IUL’s correctly?
    Are you illustrating all indexed universal life insurance products at the same assumed interest rate? Numbers and spreadsheets may not tell you the whole story. Download this flyer to make sure you’re showing your clients the whole picture.
  • Life Insurance – by the numbers
    While many consumers understand the need for life insurance, they don’t have the coverage they need. One-third of Americans would be financially impacted by the loss of the primary wage earner in just one month. How can you help? Talk to your clients today about their changing life insurance needs. Help set the facts straight about life insurance products and their cost. Answer questions, allay concerns, and make sure your clients’ loved ones are protected. For more life insurance statistics, visit www.LIMRA.com.
  • Selling life insurance based on death benefit need – Read more.

 

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ANNUITIES

 

 

 

  • A powerful retirement strategy for clients
    Growth potential and protection are just two benefits of the Power Series of Index Annuities that can help provide retirement income your clients can’t outlive. The Power Series of Index Annuities can offer clients:

    • Principal protection from market downturns
    • Growth potential
    • 7% annual income credits for guaranteed rising income
    • No base contract fees
    • Fixed interest account
    • Tax deferral

 

 

  • New 2017 Tax App
    This updated annual tax app is full of tax facts and calculators. Download it today. (Available on the iPhone App Store, amazon.com and Google play.)

 

  • Where can you find your clients 6.75% at age 70?
    Plan to get your clients more future income with Lincoln Lifetime Income Edge. It’s available with Lincoln fixed indexed annuities and offers guaranteed lifetime income plus an income base with built-in guaranteed growth. Here’s how it works:

    • The income base grows annually by 5% for the earliest of 10 years (or to age 85); with the potential to grow to 8.25% the longer the client waits to start income. If the account value is up more than 5% the Income Base will step up and lock in that higher account value for that year. This video example shows you how waiting 10 years can boost your client’s future income.

 

 

 

  • Indexed Annuity Care rates DECREASING – effective February 15th – View all rates.

 

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LONG TERM CARE

 

  • The Cost of Waiting
    It’s easy to put things off until tomorrow. But some of life’s decisions are too important to ignore. Read more.

 

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DISABILITY / CHRONIC ILLNESS

 

 

  • All-inclusive A&H playbook – NEW!
    Get all your A&H marketing resources at aig.com/AandHplaybook. Browse through the convenient new product pages, A&H specific resources, and bonus content available…all in a single location!

 

  • Filling the coverage gap with Critical Advantage
    See how Cancer & Heart Attack/Stoke insurance can help fill the gap.

 

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MEDICARE SUPPLEMENTS

 

  • Upcoming rate adjustments for CA, IN, MS, OK & MD – Get details.

 

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BROKER/AGENT INCENTIVES

 

 

 

 

 

CASH IS KING – annuity incentive 

(Qualification period: January 1 – March 31, 2017 )

 
Earn a CASH BONUS for your annuity sales.

 

Get complete details.

2018 IMG Conference – Riviera Maya

(Qualification period: January 1 – December 31, 2017)

Earn your way to the 2018 Independent Marketing Group Conference at the Grand Velas Resort in Playa del Carmen, Riviera Maya Mexico.

Get complete details.

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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.

 

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2018 Independent Leaders’ Conference

Spend five days and four nights from May 15-19, 2018 at one of the finest hotels Maui, Hawaii has to offer – the Ritz-Carlton Kapalua. Stay tuned for ongoing details; including eligibility rules.

Download the venue brochure.
See the producer qualifications.
See the Marketing Organization qualifications.
Check out this video to learn more!

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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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