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Newsletter July 20, 2016

by | Jul 20, 2016 | Newsletter
UPCOMING WEBINARS

 

 

  • Immediate & Delayed Income Annuities
    Learn more about the features and options of a SPIA/DIA.

  • QLAC Overview
    Learn more about the new Qualified Longevity Annuity Contract (QLAC) and why QLAC may be a good option for your clients.

  • Social Security Savvy
    Understanding clients’ choices, how to decide when to start and strategies to help maximize your clients’ retirement income.

 

  • Designing Plans for the Business Life Cycle
  • Deduction Ideas for Business Owners

 

  • New and Improved – Ascent Pro Series and Athene MYG
  • Ascent Pro Series and Athene MYG!
  • New and Improved – Performance Elite Series and Athene MYG!

 

  • The more affordable Element Package
    Element provides solid LTC coverage at an affordable price with no parameds, no APS collection, and no cognitive screening. The goal is to issue policies in 15 days!

 

 

  • Help your business sizzle this summer
    Find out how to get clients’ cash off the sidelines by helping them obtain the protection they need with Premier Accumulator UL. Learn about Enhanced Rate Plus, an underwriting program that offers qualifying clients an upgraded rating class in a few days. And, participate in a live Q&A throughout the webcast with industry leaders.

 

  • Uncertainty: Where Knowledge is King and Diversification Rules – REPLAY
    Listen as they discuss the economy and ways to help your clients meet death benefit needs and diversify future retirement income with a supplemental, tax-free retirement source. Register and watch the replay now.

 

  • 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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SALES, MARKETING & INDUSTRY ARTICLES

 

 

  • 9 tips: Using life insurance to protect affluent client assets
    As a financial advisor, you can meet the needs of your high-income clients with life insurance. Here’s how.
  • Options are the future of retirement planning
    There’s good news out of MDRT’s annual meeting for insurance agents and investment advisors who may be feeling uneasy in light of the DOL’s new fiduciary standard. Read more.
  • Hidden value: Long-term care riders on life insurance
    Some features can keep cognitive problems from threatening coverage. Read more.
  • Preparing clients for a modified disability offer
    Setting realistic expectations early can increase the odds of closing a sale. Read more.
  • 6 ways to market life insurance to millennials
    Millennials revolutionized the way we communicate with one another and, in turn, the way life insurance agents and financial advisors connect with prospects. Read more.
  • 6 guaranteed minimum living benefit riders
    Living benefit riders, including the six defined here, are helping drive sales of annuities. Read more.
  • 10 advantages of term life insurance
    Although some agents and advisors believe that whole life insurance is always a superior product, term life insurance does have an important role to play in a client’s financial plans. Read more.

 

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CARRIER ANNOUNCEMENTS

 

 

 

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LIFE INSURANCE

 

 

 

 

  • Changes to Interest Crediting Rates on Life Insurance Products – Get details.

 

  • Lifetime Foundation IUL – illustrated Rates under 5% – Get details.

 

 

 

  • Changes to Term Conversion Guidelines – Get details.
  • Changes to Life Product Portfolio Availability Charts
    View the updated availability charts.  The following changes were made:

    • Maryland, Montana, and Puerto Rico: Lincoln SVULONE 2016 – including the Optimal No Lapse Enhancement Rider (ONER)
    • Puerto Rico: Second Generation Overloan Protection Rider
  • Monthly Market Overview – June 2016 – Read it now.

 

  • Underwriting can be as simple as 1, 2, 3 – Learn how in 3-minutes.
  • Class Match is Back!
    From August 1 through December 31, 2016, qualified clients have a quicker way to get more life insurance with limited underwriting. MetLife’s Class Match Program can issue a new policy matching that client’s inforce policy’s underwriting class and face amount, up to $1.5 million. Who’s Eligible?

    • Age 18 to 65
      • 18 to 60: $1.5 million face limit
      • 61 to 65: $1 million face limit
    • Applying for any permanent, single-life policy
    • Standard or better (including smokers)
    • Must have an existing inforce policy, issued by an approved carrier, for at least six months and no more than five years
  • Sales Thoughts:

    • The best time to talk to your clients about life insurance – Read more.
    • Policy Review: an opportunity, not an obligation – Read more.
    • Diversifying your revenue stream – Read more.
    • Why women worry about retirement more than men – Read more.

 

  • Help clients’ assets recover after a down market – Learn how.

 

  • Plan ahead with your clients so they can focus on fun
    Learn how Living Promise can help your clients plan for their final expenses so they can enjoy time with their family.
  • Have you talked to any business owners lately?
    Chances are, the answer is yes. If it is, then you need to read this article showing how the GRO rider works well at providing flexibility for your business clients.
  • How Income Advantage IUL compares to a GUL
    If you are selling GUL products, we encourage you to also take a look at IUL.  And, be sure to check out the video that compares the two products.

 

  • Advantage Choice UL
    See how the flexibility, cash-value potential and competitive premiums of this product can help you sell what matters.

 

 

  • Add more Life to help your clients prepare for retirement – Learn more.
  • New Competitive Edge Series
    Competitive Edge is designed to provide insight on where Prudential’s products shine…and compares them to top competitors. Learn more.
  • Opportunities in a low interest rate environment – Read more.
  • Underwriting Hemochromatosis – Read more.

 

 

  • The Drop Ticket Bonus Program has been extended to August 15th
    See the Incentives section below for details.

 

  • Trendsetter portfolio updates for GA, IL, KS, TX & WA
    A disclosure form (ACC-DISC TL19 state variation form) must be signed by applicants in Georgia, Illinois, Kansas, Texas, and Washington who receive the old premium rate. This is because paper or iGO applications received through August 26, 2016 could receive the old or the new rate, whichever is most favorable to the applicant. Also note that the Trendsetter LB Preferred Choice risk class was replaced with Preferred Nonsmoker risk class. Learn more.

 

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ANNUITIES

 

 

 

 

 

  • IncomeChoice FIA with NO ADDITIONAL RIDER CHARGE – Learn more.

 

  • Changes to Guaranteed Minimum Interest Rate – Get details.

 

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LONG TERM CARE

 

 

  • Updated LTC Insurance Forms – reminder – Get details.
  • In-Force Rate Action announcement for Indiana – View it now.

 

  • Performance LTC
    • A Closer Look (login required)
      This flier series examines key aspects of Performance LTC to provide you with in-depth product insights.
    • Sellers Guide presentation
      Get the background of this product, its features, sales ideas, and tips.
  • LTC Buyers Guide updated for Texas – Download it now.

 

 

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DISABILITY / CHRONIC ILLNESS

 

 

  • A Dangerous Financial Mistake
    Your clients might be making a financial mistake by not having disability insurance. This video demonstrates why clients shouldn’t skip this important step in protecting their paychecks.
  • Disability Income Choice sales & marketing process
    Selling disability income insurance involves finding the right people to talk to, helping them understand the importance of income protection and providing the best solution to help secure their future. Learn more.

 

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MEDICARE SUPPLEMENTS

 

 

  • Smartphone Quote AppThe Smartphone Quote App provides convenience. Get premium quotes on the go with this mobile app for iOS and Android Smartphones. Learn more.
  • Rate adjustments for MT & OK – Get details.

 

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BROKER/AGENT INCENTIVES

 

 

 

 

 

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.

_____________________________________________________

 

Fast Cases / Fast Money (EXTENDED THROUGH AUGUST 15, 2016)

(Qualification period: March 1 – August 15, 2016)

For every five term or whole life policies submitted through SBLI’s ZipApp drop ticket with an annual premium of $500 or more between March 1 and August 15, 2016 and paid for by September 30, 2016 agents will earn $500 in Amex cards. Submitting five additional policies which meet these criteria will earn an additional $500, up to a maximum of $5000!

Get complete details.

 

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15% Discount for InforcePRO

 

TMA has negotiated a 15% discount for TMAdistributors who sign up for InforcePRO.

 

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.

 

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