• 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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Finish Strong in 2016!

Year-end dates have been added to the TMA website and continue to be updated.

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


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  • Beyond retirement: Prudential makes case for financial wellness
    Businesses increasingly recognize that financially stressed employees can be a drag on their operations – and the bottom line. Read more.
  • DOL rule faces certain death under President-elect Trump
    The much-maligned rule will likely be killed come January. Read more.
  • Using SPIAs as bond replacements in a retirement portfolio
    Substituting a SPIA for bonds in a retirement portfolio can eliminate or substantially reduce a client’s interest rate risk. Read more.
  • 10 things to say now about long-term care insurance
    Our LTCI Insider columnist says consumers who can buy the product today should. Read more.
  • Cash value life insurance makes Harbaugh college football’s top-paid coach
    This type of deferred compensation alternative appeals to talented leaders and executives. Read more.
  • Indexed universal life is now the preferred COLI product
    The insurance industry is seeing a resurgence in the company-owned life insurance market. With growth comes opportunity. Read more.


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  • Fulfillment Guidelines for Licensed Agent & Administrative StaffGet details.




  • Thanksgiving Office Closing
    Mutual of Omaha and its affiliates will be closed on Thursday, November 24 and Friday, November 25 for the Thanksgiving holiday.


  • Website enhancements
    • Improved Search Results
      Search now includes individual forms, auto complete (word completion) and results ranking with the most relevant content displayed first.
    • Homepage Preferences
      For those of you who have both life and annuity business, you set the preference; you decide what’s important to you.
    • Coming Soon…
      • New search results page with filters and advanced search options
      • New homepage with the ability to personalize your experience keeping your content front and center
      • Mobile friendly site so you can access key content on the go


  • SBLI’s A.M. Best Financial Strength Rating is A (Excellent)
    A.M. Best recently issued a press release reflecting SBLI’s Financial Strength rating was adjusted from A+ (Superior) with a negative outlook to A (Excellent) with a stable outlook.  While SBLI is disappointed with the downgrade, they were not surprised. The tight margins associated with a commodity product like term life make it challenging to sustain competitive statutory earnings and capital growth; especially in the prolonged low interest rate environment. SBLI’s S&P rating remains at ‘A-‘ (Strong). In addition, SBLI, as a regulated entity, is required to set aside capital to offset future liabilities. They currently maintain capital well in excess of those minimum levels required by regulators. Therefore, as indicated by the A.M. Best rating of A (Excellent) with a stable outlook, they feel confident about the current capital level and future growth opportunities of the company.


  • Holiday Office Closures
    In observance of upcoming holidays, the Transamerica administrative offices will be closed as follows:

    • Closed on Thursday, November 24
    • Closed after 2:00 PM on Friday, November 25
    • Closed after 4:30 PM on Friday, December 9
    • Closed on Monday, December 26


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  • A must see solution – one policy delivers multiple options for tax-free income
    Provide clients access to multiple options for tax-free income with Max Accumulator+. This IUL provides a unique combination of features and riders not currently offered with any other single IUL policy.

    • Income for Life Rider – converts cash value into guaranteed stream of lifetime income with optional cost-of-living increases to the policy owner
    • Select Income Rider – provides guaranteed income stream for beneficiaries growing at a fixed rate and potentially enables your cash value to accumulate faster
    • Chronic illness rider – provides tax-free income and doesn’t require qualifying illness or condition to be permanent


  • ANICO Signature Term Life Insurance – helping families achieve peace of mind

    • Competitive Premium Rates
    • Multiple Term Levels
    • Accelerated Benefit Riders
    • Full and Express Underwriting options
    • Learn more
  • ANICO Signature IUL has 4 one-year strategies

    • Point to Point Uncapped with a 4.75% Interest Rate Spread and 0% Floor
    • Point to Point with a 10.00% Cap and Higher Floor of 1.5%
    • Point to Point with a 13.00% Cap and 0% Floor
    • Point to Point with a 7.50% Specified Rate (When index increases or remains the same)
    • Learn more about Signature IUL
    • Learn how Accelerated Benefit Riders can provide a full or partial benefit in the event of a qualified condition
    • Get a Sweep Account Overview to help illustrate how your client’s Signature IUL policy is credited interest
  • Divorce Planning with Signature Guaranteed Universal Life Insurance

    Case Study: Jim and Mary

    • Decided to dissolve their marriage and divorce after seven years.
    • Lived in a non-community property state.
    • Mary was a stay-at-home mom and Jim was an attorney and made over $150,000 per year.
    • They had three children together, ages 4, 2, and 1.
    • Both are thirty-two years old.
    • Learn more about life insurance in divorce and see how Signature GUL can help Jim and Mary.


  • Age isn’t just a number, it’s a sales opportunity

    Everyone knows that wisdom comes with age, but for today’s seniors, it also comes with an undeniable drive to stay healthy and financially fit. So why not help older clients build a plan that rewards the things they do to stay healthy – and motivates them to do even more?

    John Hancock has customized their Vitality Program for people 71 and older. Now, they can save on life insurance premiums, while earning valuable rewards for healthy living – but at a pace that makes sense for them.

    Earning Vitality Points is as simple as a walk in the park or a trip to the doctor; it’s an afternoon in the garden or getting an annual flu shot. And if your clients have questions, our Vitality specialists are just a phone call or email away. Learn more.



  • Your term life sales – fast and simple
    • For middle market clientsLincoln TermAccel Level Term
      • Competitive for ages 30-50, face amounts $250,000-$500,000
      • 15-, 20- or 30-year terms
      • A fully electronic, streamlined Tele-App process – at no cost
      • Automated underwriting with streamlined approvals
      • Opportunity to waive labs for qualifying clients*
      • Policies issued in a fraction of the time
      • Process overview and client preparation checklist
    • For affluent clientsLincoln LifeElements Level Term
      • Competitive for ages 45+, face amounts $500,000 and above
      • 10-, 15-, 20- or 30-year terms
      • A streamlined Tele-App process for electronic and paper ticket submissions available – at no cost
      • Opportunity to waive labs for qualifying clients*
      • Seamless process with less administrative hassle
      • Reduced NIGOs and faster policy issue
      • Process overview



  • Who wants to sell faster? You do!
    By using the new Apptical Mobile app, you can shave time off the application process so you can provide protection sooner and get paid quicker. Designed to streamline the point-of-sale interview, Apptical Mobile reduces the number of questions needed. Download the Apptical Mobile flyer to learn how to get started today!
  • Be a campaign wizard! (Wand not included.)NEW!
    Introducing the Marketing Solution Center. This brand-new marketer resource site will help you develop promotional or educational campaigns that drive sales. Whether you need banner ads, co-branded emails, videos or talking points, the Marketing Solution Center is your one-stop-shop to get the ingredients you need to make magic. Bookmark it today!
  • Why is Income Advantage IUL a good solution?
    Many small business owners would like for their children to continue the family business after their death. When those in the next generation are not all involved in the family business, this can create a dilemma for parents. Use this sales idea with your agents to share why Income Advantage IUL may be a good solution for estate equalization needs.

    • The Guaranteed Refund Option Rider is included with all qualifying Income Advantage IUL policies. Learn how this rider provides an additional layer of protection – and could be the feature that helps you close the sale.
  • What if your client needs to skip a premium payment?
    Mutual of Omaha’s GUL policy gives clients the flexibility to skip a premium payment and still maintain a meaningful guarantee period. Plus, clients have the opportunity to ‘catch up’ and restore their original guarantee period. Learn how you can demonstrate this flexibility for your clients using a ‘What If’ illustration.


  • Underwriting enhancements are making an impactWhat it means for your business:
    • Improvement in paid case ratio = higher likelihood the business will go paid
    • More standard ratings because they’re no longer offering table 1 ratings
    • See all the enhancements.
  • Updated Consumer Protection Notice – MIB FormGet details.
  • Revised HIV Consent Form in DCGet details.


  • HIV Consent Form updates for DCeffective November 7thGet details.


  • Drive year-end sales with Symetra UL-G dual policy design with ROP
    An affluent, 65-year-old retired business owner seeks a tax-efficient wealth transfer strategy. He wants a solution that meets his legacy goals, offers flexibility to respond to future changes in liquidity needs or tax laws, and eliminates ongoing premiums. What’s the solution? This new sales idea will show you how two Symetra UL-G policies equaling the total coverage needed; along with the optional Return of Premium Rider helped a client get guaranteed coverage and the added control and flexibility he desired.


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  • American Pathway Immediate Annuity & Deferred Income Annuity rates increasedeffective November 21stSee the new rate sheet.
  • Get to know the ML Strategic Balanced Index
    Do you have clients who want the potential for steady returns but are concerned about the recent volatility of the market? The ML Strategic Balanced Index, a hybrid index available within The Power Series of Index Annuities, may help address your clients’ concerns. It seeks to generate a stable return in changing markets by dynamically blending equity and fixed income indices. Clients can benefit from:

    • A systematic, rules-based approach to indexing
    • Two layers of volatility management to help reduce risk (Please note that volatility control measures can help lessen the impact of market downturns; however, they will also reduce the impact of market upturns.)
    • Dynamic allocation between cash, equity and fixed income indices that’s designed to help enhance growth potential
    • Share the Consumer Brochure


  • ANICO Strategy Indexed Annuity PLUSStrategies UNAVAILABLE
    Due to economic conditions, all 3 and 5 year indexed crediting strategies will be temporarily unavailable on ANICO Strategy Indexed Annuity PLUS 7 & 10 (ASIA PLUS) effective December 1, 2016. All four of the 1-year strategies will continue to be available.

    • New sales: New ASIA PLUS applications with a 3 or 5 year allocation must be dated by November 30, 2016 and received by December 5, 2016 in order to receive those strategies.
    • Current Contracts: If a client is currently allocated to a 3 or 5 year strategy, they will continue to have premium allocated to that strategy until the end of the 3 or 5 year segment term. If a segment matures and the strategy is no longer available, the segment value will be placed in the strategy most similar, in American National’s opinion.
  • California Elder Form
    This form was updated on October 1, 2016 and is required for life and annuity sales to individuals 65 and over in California. Please make sure you are using the latest version of this form to avoid a delay in business.


  • Help clients build a legacy from qualified assets
    Here’s what makes Athene Performance Elite an attractive solution:

    • Includes a Premium Bonus1: Offers an immediate increase to the Accumulated Value.
    • RMD Friendly: No Withdrawal Charge, Market Value Adjustment or Premium Bonus Adjustment when RMDs are taken.
    • Offers multiple Indexed Crediting Strategy Options: Allows for increased growth opportunity.
    • Protection from market loss: Money is not directly exposed to the risks of the stock market or individual stocks.
    • Download this NEW client-approved Build a Lasting Legacy sales concept for your agents to help them show clients how Athene Performance Elite can help them grow their retirement assets and still have money left over for their beneficiaries.


  • Lincoln Leader for fixed annuitiesNovember 10th editionRead it now.




  • How does the election affect the fiduciary rule? Get details.


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  • Delivering LTC Insurance solutions
    November is Long Term Care Awareness month, and it’s a great time to remind you of Genworth’s commitment to LTC insurance and to providing solutions for this growing need. They are working hard to earn the right to more of your business so that together you can help more families address the financial challenges of aging. As the LTC insurance market continues to evolve, Genworth remains dedicated to providing leadership and advocacy. Serving their policyholders is their top priority and they remain fully committed to that purpose – and to those who will help them achieve it.


  • LTC rate adjustmentseffective February 1, 2017Get details.
  • 3 good reasons to choose Mutual of Omaha as your LTCi carrierGet them now.


  • Commitment to providing Long Term Care insurance
    Transamerica wishes to take this opportunity to reaffirm its commitment to continuing to provide the Long Term Care insurance products that you, your agents and their clients depend on. When it comes to helping families guard against the expense of illness and aging, Long Term Care insurance provides reliable solutions to mitigate these costs while enabling the level of care which these products make possible.


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No bulletins to report this week.


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  • Celebrating 50 years of Medicare Supplement sales!
    It seems like just yesterday Mutual of Omaha sold their first Medicare supplement policy. But it was 1966, back when the Medicare program was in its infancy. They are still here today providing coverage to over one million Americans. And they’ll be here tomorrow to pay their policyholders’ claims.
  • 2017 Copay/DeductiblesView them now.
  • Looking for some extra cash in your pocket, just in time for the holidays?
    If you sell Mutual’s Medicare supplement product, you may have marketing credits available just waiting to be redeemed. Check now.


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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.

 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.





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.



Year-End Crunch Contest

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

Get complete details.


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.






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.






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.


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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