Newsletter June 8, 2016

• ML Strategic Balanced Index
  Learn how it works and the upside potential while smoothing out market volatility.
  • June 8^th at 1:00 PM CT – Register here.
• Foresight Illustration Training
  Learn how to use Foresight, watch an online web demo and discover how to understand the illustration.
  • June 15^th at 1:00 PM CT – Register here.
• Annuity 101 – Closing the Sale
  Learn how to get the conversation started, the evolution of annuities and get an MLSB 60 second story.
  • June 22^nd at 1:00 PM CT – Register here.

• Safe Harbor 401(k) Plans
  • June 8^th at 12:00 PM CT – Register here.
  • June 15^th at 12:00 PM CT – Register here.
• Deduction Ideas for Business Owners
  • June 9^th at 12:00 PM CT – Register here.
  • June 16^th at 12:00 PM CT – Register here.

• Go behind the scenes of Performance LTC
  • June 15^th at 1:00 PM CT – Register here.

• 30 on 30 – General Agency Call to discuss TermAccel and LincXpress
  Dial-in number: 888-764-3633 Code: 1431956
  • June 13^th at 9:30 CT – Join the meeting.  Add to your calendar.
  • June 13^th at 10:30 CT – Join the meeting.  Add to your calendar.
  • June 13^th at 12:30 CT – Join the meeting.  Add to your calendar.
  • June 14^th at 9:30 CT – Join the meeting.  Add to your calendar.
  • June 15^th at 12:30 CT  – Join the meeting.  Add to your calendar.
• Overview of Lincoln TermAccel
  Dial-in number: 888-764-3633 Code: 3489003
  • June 10^th at 11:00 AM CT – Join meeting.
  • June 17^th at 11:00 AM CT – Join meeting.
  • June 24^th at 11:00 AM CT – Join meeting.
• Overview of LincXpress
  Dial-in number: 888-764-3633 Code: 3489003
  • June 13^th at 11:00 AM CT – Join meeting.
  • June 20^th at 11:00 AM CT – Join meeting.

• Creating a Diversified Retirement Strategy using Life Insurance
  • June 14^th at 1:00 PM CT – Register here.

• Top 10 differences offered by North American IUL
  North American’s IUL products offer 10 powerful differences. Find out how these distinctive features deliver value for your clients and for you.
  • June 9^th at 10:00 AM CT – Register here.

• A New Way To Present UL Protector and SUL Protector
  Get a guided tour of the new presentation to see how it will benefit you and your clients. Also, get highlights on some updates to the UL Protector product.
  • June 13^th at 1:00 PM CT – Register here.
    Dial-in: 877-604-2517  PW: prudential  Conference ID: 90467829

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

• 9 factors that affect longevity
  Longevity is increasing, but these nine factors play a role in how long people actually live. Read more.
• Want Fries With That Life Policy? Upselling by Cross-Selling
  We know many businesses in which cross-selling is successful. Restaurants, auto dealers, even hairdressers have excellent cross-selling techniques. Think about all the times when someone at the restaurant asks, “Do you want fries with that?” Read more.
• 4 tips for cold-calling confidence
  Cold-calling cat got your tongue? Here are 4 things to remember the next time you pick up the phone. Read more.
• 10 things veterans should know about retirement benefits
  Some veterans or their dependents may fail to realize exactly what benefits or retirement income they qualify for. Read more.
• The value of advisors: it’s about asking the right questions
  If you ask your prospects and clients the right questions, they will share their hopes, dreams and fears with you. Read more.
• Annuities for retirement income
  The longer retirees wait to turn this income benefit on, the greater the payout will be. Read more.
• Fed proposes change to capital reserve rules for insurance companies
  The proposal includes two approaches that would apply differently depending on a company’s status as a systemically important financial institution (SIFI). Read more.

• James Galli appointed EVP, Business Strategy and Innovation – Read more.

• A better eService for advisors is here!
  Effective June 6th, MetLife’s eService platform has been upgraded.  This platform lets you access, manage and organize account data more seamlessly-from wherever you are.

• New Cover Sheet for Life Applications
  A new cover sheet (which will populate along with “required’ form”) is now included when pulling application forms in iPipeline and on Minnesota Life’s website. It was created to help inform agents that certain products and face amounts cannot be accepted on paper apps – but rather must be submitted via eApp.
• Katy Herzog promoted to Senior Underwriting Consultant – Read the announcement.

• Materials to help your agents death benefit protection IUL sales
  
  • Financial Spectrum video – Learn about the power of living benefits
  • Living benefit flyer – Appeal to clients with life insurance for the living
  • Chronic Illness Hits Too Close to Home – Customize and share relatable story with clients
  • On demand training: Value+ Protector and IUL market training

• What’s better than first place? First place with Vitality. – Watch the video.
• Protection UL 16 with Vitality is now available in CT – Get details.

• APPcelerate – new accelerated underwriting system
  APPcelerate is LGA’s complete end-to-end digital solution! Available through the AppAssist tele-application program, APPcelerate is an automated underwriting system that can speed qualified applicants through to approval with no medical exams, labs or APSs. Share this flyer with your agents.

• Lincoln Leader for Life Insurance – May 31^st edition – Read it now.

• Enhanced Rate Plus – a better offer in under a week
  MetLife Enhanced Rate Plus is available on Premier Accumulator Universal Life. Eligible clients who qualify can get a boost from standard to best possible class; resulting in lower premiums. Learn more.
• Help clients know what to expect during underwriting – Use this brochure.
• Underwriting Spotlight – Barrett’s Esophagus
• How to teach clients to put their money to work – Learn more.
• How life insurance can play a role in college planning – Learn more.
• Help female clients prepare for all stages of life – Learn more.

• Underwriting improvements – Learn about them now.

• Companion of New York product suspensions – Read the reminder.
• Get up to speed on Accelerated Death Benefits
  These new flyers tell you what you need to know about Chronic Illness and Terminal Illness riders – so you can provide your clients with the information they need.
• “How Old are You?” doesn’t have to be a trick question
  United of Omaha is one of only a few carriers that continue to use Age Last Birthday underwriting. Learn how this saves your clients money and makes your sales process easier.
• Provide Flexible Options for Your Business Clients
  Learn how the GRO rider on GUL and GUL Plus can provide flexible options for business clients setting up key person protection, cross-purchase buy-sell arrangements and business succession plans.

• SimpleSubmit e-App – Quick!  Easy!  Efficient! – Watch now to find out how.

• 5 facts to consider before selling your next term policy – Get them now.
• Why quote life insurance annually? See it here.

• Form Updates
  • Discontinue use of the Civil Union Supplement in Delaware
    In July 2014, Delaware automatically converted all existing civil unions to marriages under Delaware state law; rendering the Civil Union Supplement obsolete. Effective June 13, 2016, the Delaware Civil Union Supplement will no longer be required for submission with Delaware cases.
  • New Survivorship Index UL Supplement for New Hampshire
    On June 13, 2016, Prudential will introduce a new Survivorship Index UL (SIUL) product in New Hampshire. A new state specific SIUL Supplement was developed for use only with this product. When requesting the SIUL product, the new SIUL Insurance Supplement must accompany any paper survivorship application submitted in New Hampshire. The SIUL product offers the policyowner a choice between either the Fixed Account or an Indexed Account; only one may be selected.
  • Updated SEC Privacy Notice
    Effective Monday, June 13, 2016, an updated SEC Privacy Notice (Privacy 1234 Ed. 1/2016) will be available; replacing the current version. The form will continue to be shown as a required form for all variable sales, regardless of submission method. All prior versions of the form must be discontinued.
  • Revised Important Notice About Your Application for Insurance
    On June 13, 2016, a revised Important Notice About Your Application for Insurance (ORD 96200B), edition 2016, will be available. The form was revised to be consistent with the revised Privacy Notice that added an opt-out for affiliate sharing marketing purposes, and Compliance with the state Insurance and Information Privacy.
• June is Men’s Health Month
  This month, become familiar with how prostate cancer may affect your clients’ ratings. Learn more.

• Top clients get more with LPB Premier pricing
  Symetra UL-G with LPB Premier pricing is designed to provide lower annual premiums for larger cases – with premiums averaging 6-10% less than the #2 ranked guaranteed universal life insurance carrier. Premier pricing is automatically applied when you run an illustration if clients meet the eligibility criteria.

• Trust Certification and Trustee Powers form update
  The Trust Certification and Trustee Powers forms have been consolidated into one new form and will replace all previous versions. Download the new form. There will be a 30-day transition period. The previous Trust forms will be accepted if received on or before June 19, 2016. The new form will be required on all applications signed after June 19, 2016.
• Trendsetter Express replaced by Trendsetter LB in MA – effective June 24^th
  On June 24, 2016, Trendsetter LB will be approved in Massachusetts. With this approval, Trendsetter Express will no longer be available for sale in Massachusetts. All Trendsetter Express applications must be signed, dated and received in good order in the home office no later than June 24, 2016 in order to be accepted.

• New reference guide for annuities contacts – Get it now.
• What’s the Rule of Aggregation?
  It’s a tax rule affecting annuity owners who purchase multiple contracts issued by the same company within the same calendar year. Help your agents explain it to their clients? Have them download the Know the Rule of Aggregation facts flyer to use as a reference when talking to clients about multiple annuity purchases.
• Annuity rates – effective June 6^th – View them now.

• In-Force Rate Action
  • Policyholder Communication – Read the update.
  • Producer Communication – Read the update.
  • Announcement for Georgia – Read the bulletin.
  • Announcement for South Carolina – Read the bulletin.

• Long Term Care Insurance – An Industry in Transition Presentation
  This presentation takes an objective look at the factors that have created challenges for the LTC industry. It also provides an overview of what John Hancock has learned and how these insights have influenced the design of their Performance LTC product.  Share this powerpoint presentation with your agents to help them learn more about the coverage that could re-energize the industry.
• Grow your business with the Valued Client Discount Program
  The Valued Client Discount Program is a great cross-selling opportunity to grow your business.  Learn the advantages of the program and how your existing clients can save on a new Performance LTC insurance policy.
• How to Talk to Clients about Long-Term Care to Compel Them to Act
  In its May 2016 issue, the Journal of Financial Planning published an article written by Harley Gordon, J.D., CLTC about how to talk to clients about long-term care. Read the article.

• Tips for turning needs & concerns into sales – Download the sales idea booklet.

• Underwriting Spotlight – Barrett’s Esophagus

• Priority Income Protection offers your clients easy-to-understand coverage
  at an affordable cost…in just days – Learn more.

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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Leaders of Olympus in Prague

(Qualification period: January 1 – December 31, 2016)
Get details.

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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.

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Disability Insurance Growth Challenge

(Qualification period: ENDS 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.

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.