Newsletter February 3, 2016

• Winflex 6.5 – illustrations on the go!
  • February 4^th at 2:00 PM CT – Get details.  Join the meeting here.

• Get a sneak peek of the eService Center website re-design
  • February 10^th from 10:00 – 10:30 AM CT – Register here.
  • February 11^th from 2:00 – 2:30 PM CT – Register here.

• Underwriting Guidelines for Alcohol and Marijuana
  Alcohol and marijuana use can have an impact on underwriting, especially as legal medical and recreational marijuana use becomes more prevalent.
  • February 16^th from 1:00 – 2:00 PM CT – Join the meeting here.
  • Watch the short on-demand webinar now!

Insure Your Love campaign – February 2016
Life Happens “Insure Your Love” campaign offers marketing resources to fit
any type of outreach you’d like to do; including pre-written social media content, flyers and video’s. View all the resources now.

Changes to estate planning laws in 2016: what to expect
The most significant regulatory changes limit the tax advantages for spin-off transactions involving a REIT.

Can’t sell life insurance to clients with HIV? True no more
People living with HIV are about as insurable as those with cardiac disease, says Prudential’s Mike McFarland.

Snapchat: the new social frontier for insurance agents
Marketing in the social age is all about going where the attention is, getting there quick, and portraying your personality as someone real.

Meet the app that will make clients want to buy life insurance (really)
A Washington State startup has built a business based on two key principles: Insurance isn’t simple and agents do matter.

To boost life insurance sales, try this road-tested message
Attitudes about life insurance improved for all demographic groups when having coverage is perceived as a social norm.

Crowdfunding is not a replacement for life insurance
You can’t make them buy, but you can fulfill your ethical obligation by educating about the harsh realities when a loved one leaves behind a family without life insurance.

90 is the new 70
We’re surrounded by seniors who are going faster, living longer and doing more. Are you helping your clients plan for a longer life?

• 2016 Easy Reference Tax Guide – Download it now.

• An American company – Learn more.

• Fast Facts 2016 Tax Update – Download it now.

• What you need to know about GUL Guarantees – Watch this video.
• Secure Lifetime GUL 3 – Learn the pricing strengths and built in extras.
• Resources for tax season
  Help clients make the correct life insurance and retirement choices going forward.
  • Advanced Markets site
  • Tax Tables
  • 1040 Tax Calculator
• Underwriting improvements that explains AIG Smart Scores – View the bulletin.
• FAQ to clarify client questions surrounding lab scores – Share it with clients.
• eSignature available on Quick Ticket for
  Select-a-Term & ROP Select-a-Term – View the bulletin.

• Term marketing made easy – Visit the microsite to see how.

• 7 opportunities for your client to get back their premiums
  Use the two flyers  below with your clients:
  • Dealing the right hand
  • GUL Split Policy
• Apptical point-of-sale interview process – Remember these 2 things.
• Get your Accidental Death apps submitted & processed quickly – Learn how.
• New Preferred Plus Term Life Answers Rates – Get details.

• Isn’t it time to review any potential changes to your clients life insurance needs?

• Changes for Indexed Universal Life policies – Get the details.

• Offer clients strong protection and more growth potential…FOR LESS – Learn more.

• Leveraging alternative assets – Get this and more on the advanced concept site.
• Automatic Electronic Inspection Reports – NEW!
  Inspection report data is now available instantaneously with no need to contact your clients to ascertain information. Symetra has begun using electronic inspection reports for all cases ages 70-85 from $1,000,001 to $10,000,000.  You’ll get faster processing, accurate and verified information, and less intrusion to your clients. Please note: any face amount greater than $10,000,000 will require a traditional inspection report.

• Index loans now available on TransNavigator IUL
  Now you can run an illustration showing either a conventional or an index loan when taking loans against the policy. Index loans are available beginning on the third policy anniversary. This type of loan is charged a declared interest rate, and any interest credited uses the same calculation as the Excess Index Interest for the unloaned amounts. For additional information on index loans, view the TransNavigator IUL Product Guide.

• Annuity rates for February – View them now.

• Annuity rates for February – View them now.
• Supplemental application changes for the Strategy Indexed Annuity PLUS
  The old supplemental applications will be accepted until February 27, 2016. The new forms are below:
  • Arizona form 10585-AZ (old form was 10585 (33))
  • Maine form 10585-ME (old form was 10585 (45))
  • No changes to the forms in: NY, IA, IL, OR, PR, TX, WA
  • Form for all other states is 10585-2 (old form was 10585)

• Enhancements to IncomeChoice FIA – coming February 9^th – Read the bulletin.

• In-force rate action notifications for late February – Get complete details.
• A Track Record of Innovation – Read the article from the John Hancock Journal
• Performance LTC product brochures – CORRECTIONS
  Certain non-compact versions of the Performance LTC product brochure inadvertently include Waiver of Premium in the Optional Benefits section. The updated brochures are below:
  • Consumer version; as well as the Florida and Arizona versions
  • Employer version; as well as the Florida and Arizona versions

• A step-by-step guide to small business success – Download it now.

Celebrating 50 years of Medicare Supplement sales!

• 2016 Marketing Credits (with an added bonus) – Get details.
• Rate adjustments for South Dakota and Mississippi – View them now.

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

Earn a CASH BONUS on annuity sales!

Get 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.

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Disability Insurance Growth Challenge

(Qualification period: January 1 – June 30, 2016)

Get rewarded for increasing your business in the first 6 months of 2016 in comparison to your business in the first 6 months of 2015.

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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A Learn and Earn Promotion

(Qualification period: June 1, 2015 – March 31, 2016)

This rewards-based program is designed to engage and motivate producers to grow sales. Through a series of videos, producers are given the opportunity to learn more about key clients — The Insurables — as well as a chance to earn prizes and a 10 percent commission enhancement. Please note: New York, Guam, Puerto Rico and non-U.S. business is excluded from the program.
Get complete details!

This brochure serves as an introduction to TMA distributors who have not yet become familiar with InforcePRO.  You may also call 888-433-2254 to call for additional information or to sign up.

 
In order to receive the 15% discount, you will need to let InforcePRO know that you are a TMA distributor when you sign up.