Newsletter November 15, 2017

• 4 Critical Retirement Planning Tips
  If clients ignore these basic principles… maybe they will have to buy lottery tickets and hope for the best. Read more.
• Retirement Saving Checklist: 15 Things to Know That Can Lead to Success
  Using this checklist, clients can be better prepared for retirement by assessing their behavior and actions around retirement saving. Read more.

• New client prep tool prepares sales concepts & strategies with just a few clicks
  Generation Station puts your agents on the fast track to success with clients of every generation, every time. Meeting with a new prospect? They can go in with a powerful first impression by leveraging this online client meeting prep tool that does two things:
  • Instructs on how to communicate in the right way, specific to their clients generation
  • Helps them choose the right life insurance solution, specific to their clients life stage needs
• AG News – November 9^th
  In this issue:
  • Get targeted life insurance options for clients by simply inputting their age and answering a few questions about their life stage.
  • Not your parents life insurance
  • Newly re-designed generational marketing support materials
  • Sales ideas galore

• Guaranteed UL with the Cash-Out Rider has
  benefit maximums among the highest in the industry! Learn more.
• Why sell American National SPIA? 8.72% Cash Flow!  Get details.
• Internal Exchange Commission Program for annuities – Get details.

• Benefit 10 product changes for CT & NJ – effective November 18^th
  See the bulletins below for applicable changes, application deadlines and updated materials.
  • What’s changing in Connecticut?
  • What’s changing in New Jersey?
• 3rd Quarter Highlights
  • 2017 3rd quarter press release
  • 2017 3rd quarter highlights presentation
  • The latest Athene infographic

• Life Insurance News – November 10^th
  In this issue:
  • Introducing the Brighthouse Financial Insights Panel
  • Introducing Brighthouse Conversion Whole Life
  • News and Reminders

• Sales to California residents age 65 or older – Read the reminder.

• Lifetime Builder Elite IUL – NEW PRODUCT available November 20^th
  Global’s illustration software (LPSS) has already been updated to include this upcoming product. Click here to get the fact sheet and a Spotlight on Sales piece that outlines how they’ve taken one of the best IUL products of all time and made it ELITE.
• Fitch publishes “A” IFS rating for Global Atlantic insurance companies – Read the bulletin.

• Annuity Distribution Guide – NEW!

It’s new and full of annuity distribution and taxation information. Get it now.

• Insurance planning for women: Find success with the long-term care rider
  Use the John Hancock Long-Term Care rider to help you address the unique needs and challenges women face. Learn more.
• John Hancock Vitality & diabetes make headline news – Read more.

• ePolicy Delivery
  LGA’s flexible eDelivery solution makes it easy for customers to sign and receive their life insurance policies electronically, and saves trees!

• Third quarter 2017 results and increase to dividend – Read more.
• Policy Review Sales Idea
  There’s no better time than now for your agents to schedule annual policy reviews with their clients. They may find new planning opportunities when they assess their clients existing coverage and discuss life events that have occurred since they last met with them.
  • Plan a series of successful policy reviews – presentation
  • When should your client consider a 1035 exchange? – case study

• Clients impacted by California wildfires – Read the emergency bulletin.
• Why clients should consider purchasing LTC insurance
  When Vernon Duckett first heard about long-term care insurance, his wife, Helen, talked him into it. Years later, that decision not only provided financial security – it provided peace of mind and independence. Share the Duckett family’s story, and help your clients learn why they, too, should consider buying long-term care insurance.
• Protect your clients with chronic Illness coverage faster
  Now available! Add the Chronic Illness Conversion Agreement (CICA) or the Accelerated Death Benefit for Chronic Illness Agreement (CIA) to your client’s policies even when using WriteFit Express (face amounts of $100,000 or higher.) Learn more.

• An IUL policy can help clients live life full throttle
  Find out how Income Advantage IUL can help clients protect their family while also accumulating cash that can be used to supplement retirement income.
• Make the move to Term Life Answers
  Looking for a top-ranked carrier, offering competitive pricing, and product features your clients need? Look no further. Discover Term Life Answers.
• Dental Insurance product release
  Effective November 11, 2017, you may begin selling our Mutual Dental Preferred and Mutual Dental Protection insurance policies with an optional vision care rider in AR, AZ, GA, MN, NJ and TN. Learn more.
• Critical Illness offers Return of Premium
  Remind your agents about the Critical Illness Return of Premium benefit. Learn more about this built-in benefit that can reassure clients who are concerned about possibly never using their policy.
• MedSupp rate adjustments for MO & LA – Get details.
• MedSupp eApp & Mobile Quote App – Learn more.

• Revised Agent & Agency Contracts – Read the bulletin.
• VersaChoice 10 now available in AZ, MT, NC & VT – Get details & materials.
• A family meeting to bring the future into focus – NEW!
  Introducing the Legacy Portrait; designed to help encourage your clients to start communicating important, timely topics with their families. Watch the video to see how the Legacy Portrait can play an important role in your clients’ futures and in your business.

• Cap, Participation & Spread Rates for IUL policies – Get details.
• Secure Document Upload
  NACOLAH is pleased to announce a new update to their website that will provide an easier way to securely upload requirements and applications. With this new feature, they will no longer be accepting unsecure uploads. Read the bulletin to find out more.
• IUL competitive flyers
  Use these three new competitive flyers to show how North American’s IUL stacks up.
  • Builder IUL Competitive Flyer
  • Rapid Builder IUL Competitive Flyer
  • Guaranteed Builder IUL Competitive Flyer
• New IUL products now available in CA, DE & MT
  The newly revised Builder IUL, Guarantee Builder IUL and Rapid Builder IUL products are now approved and available in all states. Download the bulletin for more details.

• Care Solutions interest rates – effective November 15^th – View them now.
• Upcoming Care Solutions product changes for MA & NM – Get details.

• Teach clients about Life Insurance in 2-minutes – video

Protective Classic Choice term is a great option for your clients who may be starting out or just need solid, inexpensive life insurance protection. But before you start talking product, help educate clients about the importance of life insurance with a quick video first. Then download more term resources to include in your follow-up plan with clients.

• Products available for conversion – Read more.

• Life Essentials Newsletter – November 6^th
  In this issue:
  • Consumer-Approved Case Study Talks Life Insurance and Market Volatility
  • New State Approvals for SUL Protector and BenefitAccess Rider
  • New Cervical Cancer Underwriting Guidelines

• Help transform your agents into client champions
  Share the unparalleled Accelerated Underwriting process with your agents and gain more speed, efficiency and control!

• Annuity rate updates – effective November 15^th – Get details.