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Newsletter November 16, 2016

by | Nov 16, 2016 | Newsletter
UPCOMING WEBINARS

 

 

 

  • Presenting Solutions to Business Owners – Part 2
    Presenting Solutions will give you a look at some of the strategies and creative designs available to business owners today. Learn to approach business owners with solutions that will increase tax deductions and wealth accumulation and help your own practice to explode with growth. (If you missed Part 1: Engaging Business Owners – view the recording.)

  • Life Insurance Inside Retirement Plans

 

  • 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 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 that works best for you!

 

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YEAR-END INFORMATION

 

Finish Strong in 2016!

TMA has added carrier communications regarding year-end deadlines to the TMA website.

Simply log in to the TMA website and choose “Year-End Deadline Dates” from the menu on the left.

 

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SALES, MARKETING & INDUSTRY ARTICLES

 

 

  • They DO Want to Talk to You
    Did you know that 57% of Millennials want to buy life insurance from an agent or advisor? Sure, they want to do research online, but then they want to talk to you to get their questions answered and to get feedback. See the statistics.
  • Have business, will retire (or maybe not)
    Nearly 7 in 10 business owners aged 45 to 64 say they have retirement savings of less than $100,000. Read more.
  • What your prospect wants: It’s not what you think
    There’s a big difference between being pushy and being professional. Read more.

 

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CARRIER NEWS

 

 

 

 

  • Bernie Hickman appointed CEO of Combined UK & US Insurance Division – Read announcement.

 

 

 

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LIFE INSURANCE

 

 

  • Simplify client discussions and empower clients with useful information
    Everything your agents need to begin the conversation around the importance of tax diversification and the power an IUL has on their portfolio. The informative and interactive “Life To The Max” tool includes explanations of complex scenarios in layman’s terms and provides easy to understand charts. Plus it is fully scripted if they need it. One tap and they’re in – no user ID or password required. No reason for them not to try – it works on any internet enabled device.
  • Accelerated Access Solution chronic illness rider
    • Permanency requirement has been removed for qualifying conditions
    • Increased lifetime maximum benefit to $3M (up from $1.5M)
    • No LTC certification is required to sell AAS
    • No receipts required (indemnity plan)
    • Waiver of monthly deduction while on claim
    • Download the client brochure.
  • Term Conversions – Get help with this robust playbook.
  • Market Comparisons – Clearly compare AIG products against the competition.
  • Clarification of Select Income Rider application requirements – Read the bulletin.
  • Accidental Injury Insurance – Share this infographic to inform clients of the need.

 

  • Lifetime Guarantees for Less
    Lifetime Foundation can provide an alternative to traditional no-lapse guarantee (NLG) products at a lower cost while still maintaining the assurance of a lifetime guarantee. Lifetime Foundation provides your clients with more guaranteed coverage early on when their life insurance need is likely the greatest while maintaining a proportional death benefit guarantee in later years.

 

  • Age Isn’t Just a Number, It’s a Sales Opportunity! Watch the video below.

 

 

  • eDelivery – save time, save money, and save the planet
    Since Legal & General America announced its flexible eDelivery solution back in 2013, adoption of the program has more than doubled. 42% of Banner life insurance policies are now signed electronically and eDelivered. Share this consumer-approved eDelivery infographic.

 

 

  • Life Product Portfolio changes
    • Maryland – Lincoln LifeGuarantee UL (2013) – 09/12/16
    • New York – Overloan Protection Rider LR616N for use with Lincoln WealthAdvantage Indexed UL and Lincoln WealthPreserve Survivorship IUL
    • View the availability chart.
  • Help your agents offer great term rates and fast policy issue

 

 

 

 

  • Top ways to benefit from Minnesota Life’s Underwriting – View them now.
  • #1 in overall Survivorship IUL sales
    Find out how Eclipse Survivor and Eclipse Survivor Pro can provide legacy protection and dependable growth for clients.
  • How to protect mature clients
    Approximately 92% of mature adults have at least one chronic disease; and 70% of people over age 65 can expect to use some form of long-term care in their lives. In spite of these statistics, it’s estimated that fewer than 10% of those who qualify for and can afford long-term care coverage actually own it. Protect your mature clients with the Long Term Care Agreement, Accelerated Death Benefit for Chronic Illness Agreement and CareShield Universal Life Insurance.

 

  • Accelerated Death Benefits – get your questions answered
    Did you know that Mutuals’ chronic illness rider will pay benefits even if the illness isn’t expected to be permanent? Find out everything you need to know about how the Accelerated Death Benefit Riders work in this FAQ sheet.
  • Have you checked out the Apptical Mobile app for Living Promise?
    The Apptical Mobile app can help reduce the length of the interview process for determining medical eligibility results for Living Promise. Take a look at these marketing pieces to help your agents get started with it:

 

 

 

  • Increase your commissions with SBLI Brokerage’s Upsell Program
    As part of our continued strategy to enhance our value to you, SBLI is introducing a fully implemented Upsell Program that helps agents sell term policies with larger face amounts without any additional effort. Features of the Upsell Program include:

    • The ability to increase agent commissions
    • No additional requirements
    • More coverage for your client
    • Learn more.

 

  • Life Concepts Tree – NEW!
    Symetra’s Life Concepts Tree is an interactive, web-based tool designed to help you find solutions to your clients’ legacy and business planning needs. Just answer a series of short questions and the Life Concepts Tree will reveal a selection of relevant strategies and supporting sales materials for download.
  • Private Split-Dollar client brochure – NEW! – Download it here.
  • Symetra Life Illustrator – Watch this video to learn how it can help you.

 

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ANNUITIES

 

 

 

 

  • The Power Series of Index Annuities
    The Power Series of Index Annuities may help your clients address accumulation and income needs for their retirement. There are many powerful facts about the Power Series of Index Annuities that can help your clients grow and protect their retirement assets, while ensuring they’ll receive income they cannot outlive. Learn what the Power Series of Index Annuities can offer clients.
  • Annuity rates – effective November 14th – View the rate sheet.

 

 

 

  • Annuity Reviews – learn to master them
    Uncover assets and update strategies as you demonstrate commitment to client care. Follow these three steps – and see the research and resources available to help.
  • New SPDA Disclosure Form required in Ohio
    Effective immediately, the Single Premium Deferred Annuity Disclosure form must accompany all single premium fixed and indexed annuities signed in Ohio. No applications without the form will be accepted after November 20, 2016. The new form is included in the Ohio fixed annuity paperwork kit and the Ohio fixed indexed annuity paperwork kit.

 

 

  • IncomeChoice Fixed Index Annuity series
    • North American’s HIGHEST Lifetime Income Potential
    • Competitive Rates and Crediting Methods
    • NO ADDITIONAL RIDER CHARGE
  • Guarantee Choice MYGA – A+ rated and 2.25% 5-year MYGA rates.

 

 

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LONG TERM CARE

 

 

 

 

  • Individual LTC Insurance Sales DISCONTINUED – effective December 2nd
    Click here to read the announcement.  Please refer to the following schedule of important dates relating to the wind-down of current cases.

    • December 2, 2016 – last day to submit ‘in good order’ applications.
      (11:59 ET for applications submitted electronically and/or must be received by December 2nd if mailed). Please note LTC Quick Quotes will be discontinued effective immediately.
    • December 16, 2016 – last day to complete paramedical exams.
    • February 10, 2017 – all policies must be issued and paid for.

 

 

  • LTCi is 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, LTCi is a product with incredible potential for growth. LTCi has been a core product for Mutual of Omaha since 1987. It remains an important part of their corporate strategy to provide asset protection to middle market Americans. There are a lot of reasons to grow your LTCi business with Mutual of Omaha. Click here to find out what makes LTCi right for Mutual of Omaha and you.

 

  • LTC Awareness Month Campaign
    This campaign is rich with many resources that will help you add value and drive more business. Click here to download the campaign communications package.

 

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DISABILITY / CHRONIC ILLNESS

 

 

 

  • Learn the Truth about Disability Income Insurance
    Maybe clients have never thought about their income this way, but it’s their most valuable asset. It helps pay bills, living expenses and insurance. It’s spent on recreation, vacations and education. It helps build up savings and contributes to retirement plans. And, it’s used for so many things in between! That’s why it’s important to know the facts about disabilities and what your agents can do to protect their clients’ income.

 

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MEDICARE SUPPLEMENTS

 

 

  • Informational Presentations
    Looking for some additional information regarding Mutuals’ Medicare Supplement product line? They now have short informational presentations on a variety of topics; including product basics, taking applications, marketing, rewards and support. Get details.
  • High Deductible Plan F and Plan N available in CO, LA, MD & VT – Get details.
  • Upcoming rate adjustments for FL & MO – Get details.
  • People love this unbeatable offer
    Competitive rates and a 12% household discount in most states help your clients keep their hard-earned cash.  Plus easy eligibility means more applicants qualify for the discount. People who are eligible for the 12% discount either:

    • Reside with a spouse or civil union/domestic partner of any age, or
    • Have resided with an adult at least age 60 for the last 12 months

 

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BROKER/AGENT INCENTIVES

 

 

 

 

 

2017 Marketing Conference in Los Cabos, Mexico
May 7-11, 2017

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

 

Get complete details.

 iPad Pro Contest

(Qualification period: September 1 – December 31, 2016)

Qualify for as few as 9 life sales.  (Only policies sold through ExpertApp are eligible.)

Get complete rules and 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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Year-End Crunch Contest

(Qualification Period: Cases submitted after November 1 and paid for by December 31, 2016)

Get complete details.

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Earn up to $500 for selling CareShield!
(Qualificaton period: September 20 – December 31, 2016)

Within the qualification period, agents will receive a $300 Visa gift card for two paid CareShield applications or a $500 Visa gift card for three paid CareShield application.

Get complete details.

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2016 EPIC Reward – Elite Producer Club

(Qualification period: EXTENDED to March 31, 2017)

Receive a 1% commission bonus on your annuity business this year.

 

Learn how.

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2017 Independent Leaders Conference 

June 4-8, 2017 

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

Discover the Ritz-Carlton, Grand Cayman, a luxury resort in the Cayman Islands where sparkling turquoise waters blend seamlessly with the cerulean sky to create your perfect Caribbean oasis. Learn more about the luxury that awaits you.

View the brochure. Get qualification details.

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Elect To Sell SIUL This Fall!

(Qualification period: September 15, 2016 – March 31, 2017)

Prudential is giving you the opportunity to earn an additional 20% compensation on new Survivorship Index UL business.

Get complete details.

 

 

 

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