June 29, 2016






  • American Pathway SolutionsMYG
    Learn about this product.  It has 15% liquidity and Return of Premium options!

  • Power Protector Index Series
    Get an overview of the products and learn about volatility control and income rider options.

  • ML Strategic Balanced Index
    Get upside potential while smoothing out market volatility. Learn how it works.


  • Underwriting Changes for a Faster Experience
    Learn about their new LTC Underwriting process and how they can issue policies in 15 days.

  • 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.



  • Enhancements to GoodLife Rewards Program
    This special underwriting webinar will highlight the enhancements made to the GoodLife Rewards program.

    • June 29th at 1:00 PM CT – Join the meeting.
      Dial-in Number: 888-221-3915  Meeting number: 741 736 387


  • 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 and time 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 and time that works best for you!


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  • We Are Humans – a new video from Life Happens
    No one likes to be told what to do. (Like, “Buy life insurance-you need it.”) But people do love to feel part of something larger-to be reminded of the best in ourselves and humanity! (And the need to protect those we love.) Watch this video and have your agents share it with clients and prospects.
  • Only one-third of couples actively discuss retirement plans
    Study shows that one-third of U.S. couples discuss their retirement plans; however, advisors can turn this trend around. Read more.
  • Millennials favor income stream over lump sum life insurance benefits
    Four in 10 consumers under age 40 prefer a monthly income benefit while approximately 30 percent favor a lump sum payment. Read more.
  • 4 tips for selling a fixed deferred annuity
    Follow these four tips to position your client for long-term financial security with a fixed deferred annuity. Read more.
  • Want to better serve your clients? Team up!
    Knowing when to bring in partners can transform you from a one-trick pony to an all-inclusive provider that clients value. Read more.
  • Planning for the modern family: 3 life insurance scenarios
    One option to minimize estate taxes and enhance flexibility and liquidity is through an irrevocable life insurance trust. Read more.


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  • Amended guidelines about rebating in the state of GeorgiaRead more.


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  • OPTerm 25 Exchange ProgramNEW!
    The OPTerm 25 Exchange Program allows customers who purchased OPTerm 10, 15, or 20 within the past four years (48 months) to trade up to an OPTerm 25 plan at his or her current attained age with no underwriting. This limited-time program gives existing customers the option to swap policies and restart term coverage for another 25 years. If the policy exchange meets the eligibility requirements, issue is guaranteed.  How’s that for a great reason to reconnect with customers? Plus, full commission will be paid on the net premium increase – which in most cases is equal to or greater than the compensation on the original term policy. Learn all about it!




  • A 3-minute video that could have a positive impact your businessWatch it now.
  • Kansas TIA changeseffective July 1stGet details.
  • Authorization to Obtain & Disclose Information Form updateGet details.



  • Help clients understand their Annual Policy ReviewUse this guide.
  • Life insurance can play an integral role college fundingLearn how.
  • How to use LIFT Calculator
    The LIFT Calculator can show clients how their retirement income distribution choices directly raise or lower their taxes. Learn how to use it.
  • New feature available on the eService Center
    “My Interest Crediting Rate” is now available on the eSC for Indexed life insurance policies. The rate represents a weighted average across all Indexed and Fixed options indicated for the policy, with the ability to view a rolling two-year average. Check it out.
  • Take BOLD action to advance your client’s business
    Your agents bring customized life insurance solutions to their business owner clients that can help them, their families their employees and their business. It all starts with a simple conversation that they can kick off with this new BOLD consumer brochure.
  • Electronic requirements make underwriting faster
    Say goodbye to the time-consuming Personal History Interview (PHI) process. Minnesota Life has found a new way to collect client’s personal and financial details in a less intrusive and client-friendly way. From now on, an Electronic Inspection Report (EIR) will be ordered instead of a PHI. Benefits are:

    • Results are available within 48 hours of order
    • Clients no longer have to withstand a time-intensive phone interview
    • Improve underwriting turnaround time by up to 6 days on material cases
    • EIRs replace manual requests for Commercial Inspection Reports (CIR)




  • What’s different about North American’s IULFind out now.


  • Help clients prepare for future expenses
    A guaranteed life insurance policy provides clients with the peace of mind that their loved ones are protected if something were to happen to them. Yet, there are many reasons why your client may also want to use their policy to grow cash value-education gifts, business ventures, or a retirement retreat, to name a few. Discover how you can help clients build cash value to give them flexibility down the road.
  • Verification requirements for new policy ownersLearn more.


  • The GoodLife Rewards Program just got better
    This underwriting crediting program is designed to reward clients for their good health by upgrading them to better underwriting classes – up to Preferred Non-Nicotine – and using credits to offset up to THREE TABLES. And now, it’s been enhanced to increase their opportunities to earn rewards credits.

  • Term life insurance product updates
    Symetra’s term product has increased maximum issue ages, increased Accelerated Benefit Rider for Terminal Illness advance access amount from 50% to 75% ($500,000 maximum) and will begin underwriting and issuing on an “age nearest basis.” Both the current and new version of term product will be offered during the transition period.

    • Formal applications for the current version of the product that are received in good order the Home Office prior to July 15, 2016, will be accepted and issued. Formal applications received after this date will receive the new version of the product.
  • At age 65, clients stand a 70% change of needing chronic illness care
    Will they be prepared? Symetra UL-G with the optional Chronic Illness Plus Rider can provide clients guaranteed life insurance coverage with enhanced access of up to 100% of the policy’s death benefit should a chronic illness strike. Learn more.
  • Sale to a Defective Grantor Trust
    With this new brochure, your agents can help guide clients through the potential benefits of using a sale to a Defective Grantor Trust using life insurance. A sale to a Defective Grantor Trust may be right for clients if they:

    • Own highly appreciated and income producing assets.
    • Are concerned those assets may be subject to transfer taxes.
    • Wish to minimize gift taxes and use of gift tax exemptions and provide a larger legacy for future generations.
  • New Product Portfolio At-A-Glance
    This piece provides a high level overview of Symetra’s life insurance product offering. Use it as a reference tool to our offerings, optional riders, and underwriting rate classes.


  • Trendsetter Portfolio updates and re-priceLearn more.


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  • Annuity rateseffective June 27thView them now.
  • Give your clients the advantage of a return-of-premium guaranteeLearn more.


  • Producer advisory for Annuity Care II sales in Utah
    All Annuity Care II illustrations that feature Optional Inflation protection (OIR) where the inflation protection represents 30% or more of the total premium should be accompanied by another illustration without the OIR.  This will allow the client to make an informed decision on which option best suits their individual needs and circumstances.
  • Offer multiple crediting strategies to grow assets and provide tax-free LTC benefitsLearn about Indexed Annuity Care.


  • Lincoln Leader for Fixed AnnuitiesJune 17th editionView it now.


  • Threshold Participation StrategyNEW Crediting MethodLearn more.
  • Minimum Guarantee change on MYGA product in WYGet details.


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  • LTC – an industry in transition
    Successful products evolve over time. This holds true for long-term care insurance as well. Learn about this changing industry and how John Hancock has reinvented the traditional Long-Term Care Insurance policy. Download “LTC – an industry in transition“.


  • LTC  – a product many people need, but too few own
    Given the demographic shift as 70 million baby boomers enter or near retirement and with no viable government alternative on the horizon, we see LTCi as a product with incredible potential for growth. Learn more.
  • Passive Exchange offer for MutualCare Solutions policyholders in MichiganLearn more.


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  • Help educate your clients about Priority Income Protection
    This product is able to pay your clients a monthly benefit when they suddenly become unable to work due to a disability. Learn more.


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·         Celebrating 50 Years of Medicare Supplement SalesWatch the video.
·         Underwriting guides have been combined into a single guideGet it now.
·         Upcoming rate adjustments for NV, OK & WALearn more.


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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.





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.






Disability Insurance Growth Challenge

(Qualification period: ENDS TOMORROW, 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.







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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