May 25, 2016





  • IUL Training
    Download the schedule and instructions here.

    • Cash Value Accumulation Product Overview
      • May 26th at 9:00 AM CT
    • Death Benefit Protection Product Overview
      • May 27th at 9:00 AM CT
    • A Deep Dive into Indexed Strategy
      • May 26th at 2:00 PM CT
  • Generating Income for the Income Generation
    Learn how to avoid income hazards and optimize retirement income.

  • Power Protector Index Series
    Learn about volatility control, the income rider option; and get an overview of the products.

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


  • 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.


  • Lincoln TermAccel Level Term and LincXpressWEBINAR REPLAY
    On this call, they reviewed ways to expand market share with Lincoln TermAccel – a product designed for your middle-market clients that offers competitive pricing and a fast, easy and fully electronic process. They also highlighted LincXpress – a streamlined, fast-to-approval Tele-App submission process that features the opportunity for lab-free underwriting and e-delivery.

  • Overview of Lincoln TermAccel
    Dial-in: 888-764-3633 Access code: 3489003

  • Overview of LincXpress
    Dial-in: 888-764-3633 Access code: 3489003


  • Creating a Diversified Retirement Strategy using Life Insurance


  • 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 13th 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 CTClick 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 CTClick here to register for a date and time that works best for you!


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What women want: Annuitizing retirement assets
Women have different needs than their male counterparts when it comes to retirement.

How to gauge the income tax consequences of an annuity transaction
Each of these 15 common annuity transactions has a different income tax implication.

10 tips for making the most of your new-client appointments
Advisors only have a limited amount of time with each new prospect and must know how to optimize that their time while earning trust and inspiring client confidence.

Can fixed annuities and rising interest rates coexist?
Annuity product innovations aim to stop clients from jumping ship as interest rates rise.

Life insurance sales growth a priority for banks, credit unions
Three in four banks predict that recurring premium life insurance products will be a much larger part of sales.

6 reasons to convert that term life insurance policy
This strategy is a win-win for financial professionals, who can procure repeat business, and consumers, who gain enhanced security and peace of mind.

Divorce and annuities: a costly combination
An annuity can seem harder to split than a marriage.

Americans STILL underestimate the risk of disability
Is this month’s awareness campaign really necessary? The author says: Obviously.

17 unexpected expenses in retirement
Help clients learn about these potentially unforeseen retirement costs, which can cause both major and minor financial fallout.

8 facts to know about disability insurance
Disability insurance is often overlooked. Use this infographic to help prospects understand the importance of this type of coverage.


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  • The Dollars and Sense of eBusiness
    The Life Insurance Direct Marketing Association (LIDMA) has developed a tool that helps measure the cost benefit of using eProcess technologies. The Cost Benefit Analysis (CBA) tool is free for download and allows you to input agency data and customize the variables. Agencies that need another reason to make the move to digital will like this tool. It helps you quantify what digital solutions can mean to your agency. Legal & General America is a long-time leader in eProcess efficiencies. Their digital solutions include all three of the processes the CBA tool measures. Using them can result in hard dollar savings.


  • How Agency Services is delivering the difference for you
    From speedy contracting to paying commissions accurately and on-time, helping you grow your business is what it’s all about for North American’s Agency Services team. But what drives their commitment to Delivering the Difference for you? Watch their new video to find out.


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  • New IUL product provides unique options for clients – Learn more.


  • Signature Indexed UL with 4 one-year indexed strategies – Learn more.
  • What is a Living Benefit to a family?
    To an individual or family facing the trials of a critical, chronic, or terminal illness, a Living Benefit can mean the freedom to make choices, provide for a family, and peace of mind. Learn more.



  • Reach more clients with the newly expanded term life portfolio
    Penetrate new markets, increase sales, and get paid faster. Lincoln recently reduced their prices, streamlined their turnaround times, and added another extremely competitive term product in their product portfolio. Learn more.
  • A new Long-Term Care learning experience
    Introducing Lincoln’s innovative advisor educational platform- LTCLincoln.com/Solutions. It’s packed with incredible tools you need to start the LTC conversation.
  • Learn how to sumit e-tickets with these how-to guides


  • Take advantage of their small business expertise – Learn more.
  • Provide clients a complimentary Informal Business Valuation – Learn more.


  • Creating a diversified retirement income strategy
    Every client will likely face a down market during his or her retirement. A diversified strategy using permanent life insurance can help clients prepare for this eventuality. Learn more.


  • Temporary product suspensions in New YorkIMPORTANT
    Effective May 31, 2016, Term Life Answers (TLA), GUL, GUL Plus and GUL Survivor products will be temporarily suspended IN NEW YORK ONLY.  Get details.
  • New Term Life Answers rates – View the flyer.
  • Turn up sales with GUL’s Dial Down feature – Learn more.
  • The IUL Calculator
    Clients looking for a product that offers protection and growth potential should look into our Income Advantage IUL. This product offers three indexed interest crediting options tied to the performance of the S&P 500 – and, our new IUL calculator is a great way to show agents how to assess the indexed interest rate potential for each of these options. Try it out now!
  • Drop Ticket (Speed eTicket) changes – effective May 21stLearn more.
  • Illustrations Enhanced with GRO Required Premium
    Beginning June 1, 2016, the GUL, GULP, GULS and Income Advantage IUL illustrations will be enhanced to show the premium required to maintain the Guaranteed Refund Option rider. Learn more.
  • GUL Survivor udpates
    Beginning June 1, the Guaranteed Refund Option Rider will be included on all qualifying GUL Survivor (GULS) policies; making GULS more flexible than ever. In addition, some premium adjustments will be made to GULS. Learn more.


  • Higher underwriting limits – See them now.
  • A different solution for the term sale
    Many clients choose term life insurance because it’s an affordable, simple way to meet protection needs. Did you know Protective Custom Choice UL also meets this need, but with even more flexibility to tailor a payment schedule that fits the client’s situation? Learn more.


  • A Balanced Solution to Clients’ Needs
  • Tax advantaged solution for a low interest rate environment
    As the low interest rate environment continues, your wealthy clients are looking for opportunities that are flexible and tax-advantaged. They also want to preserve their assets for the people they love. Prudential’s thought leaders will demystify the Private Split Dollar strategy; how it works and why it may be an attractive option. Listen to some of the valuable benefits of this strategy.
  • Premium Financing
  • Guide to Understanding and Completing the Limited Insurance Agreement
    Proper completion of the Limited Insurance Agreement (LIA) form and prompt receipt of prepayment are critical to ensure ongoing limited life insurance coverage during the period of time an application is being underwritten. View the guide.
  • Underwriting Rheumatoid Arthritis – Learn more.
  • Don’t leave business behind.  Take Two!
    Prudential’s Take Two concept targets coverage for a non-working spouse or partner. By following this approach, you have the potential to double your impact, reaching an underserved market. Learn more.
  • Find opportunities in your book of business
    The Interactive Client Profiler was recently updated to include two new sales strategies for you to integrate into your business.


  • New Accelerated Underwriting Process is here!
    • No paramed visit required
    • No mid-process U-turns
    • All risk classes qualify
    • Faster process
    • Learn more.


  • Updated Conditional Receipt for KS
    The Kansas Conditional Receipt form has been updated and is available on all essential websites, including the iGO e-App. There will be a 30-day transition period. The old form will be accepted by new business if received on or before June 20, 2016. The new form will be required on all applications signed after June 20, 2016.
  • Final Expense product updates – Learn more.


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  • Ascent Pro – industry-leading guaranteed income – Learn more.


  • A new Long-Term Care learning experience
    Introducing Lincoln’s innovative advisor educational platform- LTCLincoln.com/Solutions. It’s packed with incredible tools you need to start the LTC conversation.
  • Lincoln Leader for Fixed Annuities – May 16th editionView it now.


  • Top-Tier Lifetime Income -both Guaranteed & Participating – Discover now.
  • Quick and easy references for smoother, faster annuity business
  • New Crediting Methodcoming June 7th
    Coming June 7, 2016, the new Threshold Participation Strategy (TPS) will be available.  Offer your clients the downside protection found in a standard Participation Rate strategy PLUS an Enhanced Participation Rate feature to help take advantage of the years with above average index returns. The new strategy is available in approved states on IncomeChoice and Performance Choice (8- and 12-Year) Fixed Index Annuities. It is NOT YET available in CA, HI, ID, IL, IN, NH, OH, PA, RI, SC, UT. Learn more. Important Note: Be sure to take the required training, even if the strategy isn’t yet approved in your state.


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  • Happy 1st birthday to Performance LTC policies
    Performance LTC’s first policies are now a year old; which means policyholders will be receiving their first Annual Statements and their first Flex Credits. View the announcement.
  • An easy way to multiply Performance LTC sales
    Learn how targeting associations is a great way to help your agents sell with greater efficiency and success. This flyer demonstrates the advantages of the John Hancock Sponsored Group Program for Affinity Groups and how they can increase the volume of their sales.
  • In-Force Rate Action Notifications for late June – Get details.
  • License number required on illustrations in CA, FL & MT
    It has been discovered that the LTC Captivate and JH LTC Illustrator systems do not include an input of a license number to display on the LTC Insurance Proposal cover page. California, Florida and Montana require the producers’ license number to be displayed when presenting the illustration to a customer. Review this article for actions you can take to ensure you are in compliance.


  • Benefit changes for MutualCare Secure Solution in CA – Learn more.
  • LTC rate adjustments – effective August 1stLearn more.


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  • Training video for Priority Income Protection e-App – View it now.
  • Provide the right DI solution for your clients
    Learn more about the disability products that are available for your clients and what fits their needs.


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·         New product availability for AL – effective May 20thLearn more.

·         High Deductible Plan F & Plan N for CT & IN – Learn more.

·         High Deductible Plan F & Plan N and a rate adjustment for UT – Learn more.

·         Rate adjustments for MD, TX, AK, CA, ID, TN & WY – Learn more.

·         Rate adjustments for IA, MO, GA, CT, NV, LA, KT & NC – Learn 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: 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.






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.


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.


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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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