Newsletter May 11, 2016

• IUL Training
  Download the schedule and instructions here.
  • Cash Value Accumulation Product Overview
    • May 10^th at 11:00 AM CT
    • May 16^th at 12:00 PM CT
    • May 18^th at 11 AM CT
    • May 26^th at 9:00 AM CT
  • Death Benefit Protection Product Overview
    • May 12^th at 11:00 AM CT
    • May 17^th at 3:00 PM CT
    • May 27^th at 9:00 AM CT
  • New Interactive Sales Tool Overview
    • May 13^th at 9:00 AM CT
    • May 24^th at 3:00 PM CT
  • A Deep Dive into Indexed Strategy
    • May 26^th at 2:00 PM CT
• QLAC Overview
  Learn about the new Qualified Longevity Annuity Contract (QLAC) with the American Pathway Deferred Income Annuity. QLAC may be a good option for your clients.
  • May 11^th at 1:00 PM CT – Register here.
• Social Security Savvy
  Get the information you need to understand your choices, decide when to start, and strategies to help maximize your retirement income.
  • May 18^th at 1:00 PM CT – Register here.
• Generating Income for the Income Generation
  Learn how to avoid income hazards and optimize retirement income.
  • May 25^th at 1:00 PM CT – Register here.

• New & Improved Underwriting – WEBINAR REPLAY
  Genworth has made significant changes to underwriting requirements and processes to improve the new business experience for our sales partners and consumers. On April 19, Genworth had a webinar highlighting how these changes will help streamline their new business process and make doing business with Genworth faster and easier. Click here to watch the replay.

• Performance LTC Overview
  John Hancock has had an amazing response to the Performance LTC overviews they’ve been conducting since they introduced the product training. If you haven’t had a chance yet to learn more about this exciting new product, attend one of the sessions below.
  • May 19^th at 1:00 PM CT – Register here.
  • May 26^th at 1:00 PM  CT – Register here.

• ONE Meeting – REPLAY
  Listen to the meeting replay to hear about the top 5 things that you need to know about Actuarial Guideline 49. Download the presentation. See the FAQ piece.

• All About Illustrations
  Discover how illustrations can be one of the most effective sales tools available. From a simple walk through to specific concepts, we’ll show you how illustrations can help transform how you do business.
  • May 24^th from 3:00 – 3:30 PM 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

Social Security counseling for divorced spouses
Is your client a divorced spouse starting Social Security benefits? Here are important facts to know.

• Updated feature on website
  Take advantage of your ability to view your client’s information on www.mutualofomaha.com/broker.  You can get issued and paid-to dates, premium amounts, mode of premium, and the producer that sold the policy initially. To take advantage of this useful information, just hover over “Reports” and click “Policyholder Information”, then enter the policy number and click submit.

• Personal message about AIG’s IUL portfolio – Watch it now.
• Max Accumulator+ – NEW CASH ACCUMULATION PRODUCT
  • Guaranteed income for life rider (annuity like payout)
  • Death benefit installment payout option may decrease cost of insurance and increase cash value
  • Updated chronic illness rider (permanency requirement removed)
  • Four index interest accounts including exclusive ML Strategic Balanced Index
  • Interactive, educational sales tool for consumer meetings and producer training
  • Learn more and download materials to help your sales.
• Value+ Protector – NEW DEATH BENEFIT PROTECTION PRODUCT
  • Replaces Value+ IUL (where approved), with extended guarantees up to age 121
  • Death benefit installment payout option may decrease cost of insurance and reduce required premiums
  • Longevity rider: Lifestyle Income Solution available
  • Updated chronic illness rider (permanency requirement removed)
  • Includes unique built-in options that increase beneficiary protection at no extra cost
  • Learn more and download materials to help your sales.
• Accelerated Access Solution chronic illness rider – updates
  • Permanency requirement removed for qualifying illnesses
  • Increased lifetime maximum benefit from $1.5M to $3M
  • Available on Max Accumulator+, Value+ Protector and Secure Lifetime GUL 3
• Life to the Max – NEW INTERACTIVE SALES TOOL – See it now.
• Campaign in a Box – NEW COMPLETE PROMOTIONAL PACKAGE – See it now.

• Submit Delivery Receipts through ExpertScan
  Effective immediately, the new ExpertScan system can be used for submission of delivery receipts. Submission of delivery receipts by other means (email, fax, etc.) may result in a delay in processing. ExpertScan can be accessed through E-Agent. Learn more.
• California Accelerated Benefit Rider Issue Age Clarification – Learn more.

• Interest crediting rate changes on life products – Learn more.

• Help clients save $600 a year by eating healthy – Learn more.

• OPTerm rates are coming in fast at #1
  LGA is charging ahead with new OPTerm pricing that will leave the competition behind. Decreases across all ages, genders, bands, and non-tobacco classes are sure to grab your attention. Learn more.

• Lincoln Leader for Life – May 2^nd edition – View it now.

• Get a better offer, faster!
  Underwriting sounds complicated. Is it? MetLife’s answer is: “It doesn’t have to be.”  With MetLife Enhanced Rate Plus you can cut the time it takes to place a policy from over a month, down to one week. Not to mention, for eligible clients who qualify it can boost their rating from standard to best possible class, resulting in lower premiums.

• Videos to help LIFT life sales
  Have your agents use these video’s to teach clients about “Life Insurance as a Financial Tool” (LIFT) and the 3 types of assets that can help take care of clients’ financial concerns. Show why permanent life insurance is a key tool for their working years and beyond.
  • Introduction to LIFT
  • Life Insurance: A tool for your working years

• New Term Life Answers rates in Preferred Plus Age Last Birthday Class – Learn more.
• How an IUL policy can be a good way for a business owner to diversify – Learn more.
• Important reminders regarding IOLI and STOLI – Learn more.

• Free sales ideas you can put into action
  Protectives sales idea tool features concepts for various scenarios that can help grow your business. For instance, you may encounter clients seeking life insurance but are concerned with the long-term financial commitment. Try a short-pay life insurance strategy for those who don’t want to keep paying a life insurance premium during retirement. Get started.

• Capacity and Retention Guidelines Presentation – Download it now.
• Updates for New York
  • The January 2016 version of Survivorship Index UL has been approved in New York without the Enhanced Cash Value Rider. Learn more.
  • A new Survivorship Index UL (SIUL) Insurance product is now for sale in New York, and a new SIUL Supplement was developed for use only with this product. Learn more.
• Underwriting Guidelines Updatefor Mood Disorders – Read the bulletin.
• Understanding Underwriting
  • Underwriting depression and anxiety – Learn more.
  • Underwriting Asthma – Learn more.
• Permanent Life Insurance offers clients flexibility – Download the consumer brochure.
• Supplement Your Retirement Income – View the client strategy.
• Business-Boosting Ideas
  Have our agents visit this Managing Your Practice segment designed specifically to help them:
  • Find new opportunities in their current book of business
  • Gain a broader client base
  • Learn how to initiate client conversations by leveraging policy reviews and beneficiary updates

• Chronic Illness Plus & Return of Premium riders now available in CA – Learn more.

• IUL Product Update – reminder
  On May 1, 2016, Transamerica adjusted the cap rates and maximum illustrated rates for some of their index universal life products; including TransNavigator IUL. Please note that the Freedom Index Universal Life II and Freedom Global IUL II policies – which are still available in New York – are not affected by this cap rate change; nor are the inforce Freedom Index Universal Life II and Freedom Global IUL II policies that are no longer available for new sales. Read the full communication for details and updated rates; and download the TransNavigator Cap and Floor Flyer.
• Procedure for Life Insurance Policy Illustrations – Learn more.
• Collateral Assignment Form & Release of Assignment Form – See the policy changes.

• American Pathway Immediate & Deferred Income Annuity rates decreased
  View the new rate sheet; effective May 9, 2016.
• Explore the American Pathway Immediate Annuity withdrawal benefit – Download the flyer.

• Help for your Multi-Year Guarantee Annuity sales
  You can now customize the MYG consumer rate card on Athene connect!  Go there now.

• What is shrinking? What is growing? What can you do about each?
  Access to pension benefits in US households will shrink by ½ for each future generation.  Thus, the need for Pension Protection will keep growing. Help clients consider the strong points of a Single Premium Immediate Annuity.
  • Watch this advisor video.
  • Share this client video.

• The form used to request a rollover or transfer from an existing Qualified Plan has been revised. Learn more.

• Reduced maximum purchase ages for income annuities – Learn more.

• Genworth 2016 Cost of Care – See the new data now.
• In-Force Rate Action announcements
  • North Dakota
  • Pennsylvania

• Happy 1^st Birthday to Performance LTC Policies
  John Hancock is celebrating a big milestone. Performance LTC’s first policies are now a year old. And that means policyholders will be receiving their first Annual Statements – and their first Flex Credits. As we approach this anniversary, you may wonder how Performance LTC performed relative to our initial expectations. In the first year, both the Insurance Credit and the Interest Credit have been in line with our original assumptions. This means that Performance LTC policies are performing as expected. Policyholders can see their Flex Credits, as well as the most recent Declared Rate, in their annual statements. Their statements will also include an updated in-force illustration reflecting John Hancock’s current experience and our best estimates for future performance.
• An easy way to multiply your Performance LTC sales
  The latest New Ways to Sell Long-Term Care Insurance flyer in this series focuses on how targeting associations is a great way to help you sell with greater efficiency and success. It demonstrates the advantages of the John Hancock Sponsored Group Program for Affinity Groups and how you can increase the volume of your sales.

• It’s hard to sell without a story
  That’s why Mutual of Omaha has created educational tools and consumer materials to help you tell compelling stories your clients can relate to. Watch this short video to learn more.
• The cost of waiting
  It’s important to let your clients know that premium is based on their age when they purchase a policy. That means the younger they are, the less expensive it will be. Procrastinating also could lead to their inability to qualify for coverage should their health change. Without a long-term care insurance policy, your clients could face paying the entire cost of services out of their own pockets. That’s the real cost of waiting.
  • Advisor training key points
  • Client brochure
  • Prospecting postcard
• Help show clients the costs of various long-term care services – Download the updated Cost-of-Care book.
• Texas Compliance Notice
  The Texas Department of Insurance (TDI) requires insurance companies to send a notice of updated TDI contact information to policy owners issued in Texas. Therefore, Mutual of Omaha will be mailing the updated notices to all long-term care policyholders in Texas beginning May 6, 2016.

• A brochure to help agents talk to clients about Disability Insurance – Download it now.

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: 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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Fast Cases/Fast Money Bonus Program

(Qualification period: ENDS May 31, 2016)

Earn $500 or more in American Express gift cards – up to $5,000 total per agent! 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 1st and May 31st (and paid for by July 22nd), agents will earn $500 in Amex cards. Submitting five additional policies which meet these criteria will earn you another $500!
Get details.