Newsletter January 27, 2016

• Feeling Taxed? Lift the burden with Life & LTC Insurance
  Learn about sales concepts, practice tools & conversation starters.
  • February 2^nd from 12:00 PM – 1:00 PM CT – Click here join the meeting or add it to your calendar.

• Insure Your Love: #SHARETHELOVE
  • January 28^th from 10:-00 – 11:00 AM CT – Register 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.

• RMD Solutions – an annuity webinar
  Learn about two products that can help you create a Required Minimum Distribution (RMD) solution for your clients!
  • January 27^th from 3:00 – 3:30 PM CT – Register here.

• It’s A Matter of Trusts – Advanced Markets Webinar
  If you have clients with substantial assets that would benefit from gifting to fund irrevocable life insurance trusts (ILITs), you may be interested in a Spousal Lifetime Access Trust (SLAT) for your affluent clients and, if so, you need to attend this informative webinar.
  • February 1^st from 1:00 – 2:00 PM CT – Join the meeting 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.

These are the top 5 trends shaping the annuity market
Will the annuity market continue to roll along in a business-as-usual mindset
or is there a bigger and so far untapped opportunity?

5 steps to prospecting for ideal annuity clients
The right prospects can bring significant value to your annuity business.

Fitch: MetLife move has implications for global insurers
The threat of higher capital requirements could lead to further restructuring
by U.S. life insurers and non-U.S. insurers.

• Holiday telephone solicitation bans for February – View them now.

• Sign up for End-to-End Digital Solutions – Learn more.

• Regulation 60 Process and Forms Guide – updated – Download it now.

• E-mail update for in-force business  – reminder
  Send administrative/policy change forms to IDLPA@minnesotalife.com and questions, status inquiries and illustration requests to PolicyServices@minnesotalife.com.
• New Privacy Notice – View it now.

• New Broker Agreement and Confidential Data Sheet – Get details.

• New Index UL Withdrawal, Loan and Surrender Request Form – Get details.

• MultiLife Business Solutions enhancements
  The Guarantee Issue & Simplified Issue underwriting program just got better with increased coverage up to 250 lives and higher issue limits per life.
  • Download the advisor guide.
  • Use the pre-sale questionnaire.
  • Use this supplement to find out if the case is eligible for premium financing.
• Life product portfolio availability chart – View it now.

• The Advanced Sales Insights – 1^st quarter 2016 edition
  • Restoring the Corporate-Owned Life Insurance Case
  • The Tale of Two Portfolios
  • Portfolio Diversification with Cash Value Life Insurance
  • The IRA Survivor Conundrum

• Help your clients understand cash value – Use this video.
• Help your agents show their clients what
  Business Owner Life-stage Design strategies can do for their
  business, employees, family and estate – with just a bar napkin! – Learn how.

• You can count on Mutual of Omaha for your life insurance business – Learn why.
• The Guaranteed Refund Option Rider – flexibility that puts clients in control
  When clients purchase a qualifying GUL or GUL Plus policy, they will receive the Guaranteed Refund Option (GRO) rider automatically – at no additional cost. Following years 15, 20, 21, 22, 23, 24, 25, clients are given a window to surrender their policy and receive a percentage of their premiums back. Learn more.
• Accelerated Benefit Riders
  Chronic Illness and Terminal Illness Riders can help alleviate some of the financial strain associated with certain medical conditions. Mutual of Omaha allows for up to $1 million in benefit – one of the highest in the industry. Learn more.
• Introducing Income Advantage IUL – available March 1^st – Learn all about it!

• Form updates:
  • New life advertising submission form – Get details.  Download the form.
  • Updated loan request form – Get details.  Download the form.
  • Revised New Business Transmittal Report – effective February 23^rd – Learn more.

• 5 things agents should consider before they sell term – Learn them now.

• Provide guidance to clients’ beneficiaries after the loss of a loved one
  The new Survivor Center is an online source for clients; including emotional support resources, legal and financial advice, funeral planning, and a checklist to help them prepare for the months ahead.
• Changes to PruTerm One Annual Renewable Term
  • Get the Fast Facts.
  • Share the Consumer Brochure with clients.
  • Watch the producer presentation to learn more.
• 3% increase in premiums for Universal Protector – effective February 22^nd – Get details.
• Financial Planning for same-sex couples – Watch this video to learn more.
• Do you know the critical timeline for
  1035 Matured Endowments to annuities? – Learn it now.

• New address to submit fixed & income annuity premiums – Read the bulletin.
• Annuity rates – View them now.

• Annuity rates – View them now.

• Indexed & fixed annuity availability charts – View them now.

• Income Pay Plus
  Optional Guaranteed Lifetime Withdrawal Benefit Rider – NEW – Get details.

• Underwriting enhancements – Get details.
• In-Force Rate Action announcements
  • California Partnership
  • Connecticut Partnership

• Updated MutualCare Solutions Product & Underwriting guide – Download it now.
• LTC rate adjustments – effective April 1^st – Learn more.

• LTC News – January 21^st edition – View it now.

• You don’t have to look far for your DI clients – Learn more.
• Income Guard now available in CA – Get details.
• Discounts and Premium Reductions
  • Business Affinity Discount
  • Association Discount
  • MultiLife Discounts
  • 5% Multi-Policy Discount
• 4 occupation classes have been enhanced – Learn more.
• Business Owners Upgrade Program – Learn how it works.
• Higher coverage limits available with less restrictions – Get details.
• Updates to the
  Solutions illustration system – effective February 26^th – See what’s changing.
• Have a physician or dentist client – View the one-minute trainer to learn how to illustrate a basic individual DI policy for them.

• Help your agents talk to clients about
  what may happen to their income if a disability strikes
  Here are new concept marketing materials to help them:
  • Advisor Training Key Points
  • Share the Client Brochure
  • Send the Prospecting Postcard

• Rate adjustment for Michigan – effective March 1^st – Get details.

  (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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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!