November 30, 2016





  • WriteFit Underwriting: a faster process for healthy clients


  • 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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  • DOL in the News

    • Deciphering the DOL rule at NAILBA 35
      AALU executive Chris Morton attempts to answer the unending questions about the forthcoming DOL fiduciary rule at NAILBA 35. Read more.
    • Outside vs. inside sales: For DOL it’s a key distinction
      The new U.S. Department of Labor overtime pay rule doesn’t recognize today’s workplace realities, attorney Don Phin told NAILBA 35 attendees. Read more.
  • A changing retirement landscape for 3 generations
    Nearly half of boomers (45 percent) are expecting a decrease in their standard of living when they retire, according to Transamerica’s survey. Read more.
  • Want useful answers from your clients? Ask better questions.
    Ask an empty question, get an empty answer. Here’s how to refine your question process. Read more.
  • 4 Life Happens insurance sales and promotion tools
    In addition to celebrity promotions that illuminate the importance of life insurance, Life Happens has several ways to aid agents and advisors. Read more.
  • Agents and advisors must differentiate themselves
    You’ve got to give clients a reason to do business with you. Read more.
  • Estate planning for the modern family
    Laws and policies across the U.S. have largely failed to keep pace with shifting family structures. Read more.


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  • Help clients see the power of IUL
    Let clients explore how Index Universal Life (IUL) can help provide tax-free income over time. Plus, learn about withdrawing cash value for any reason – like supplementing retirement, starting a business, paying for college or a wedding or even going on a getaway. Have your agents watch and share the video below with their clients. AIG has made it easy to share by providing multiple social media prospecting messages. They are ready to deploy at any time! They can choose from texts, tweets and posts – just copy and send.



  • More protection for the same premium!Limited Time Offer!
    If your agents have life insurance clients who qualify for a Standard rating, Global will upgrade them to Preferred – automatically. If they qualify for a Preferred rating, they’ll upgrade them to Premier – automatically.  A Free Upgrade in underwriting class could mean the same amount of premium could potentially provide more death benefit protection! Watch this 2-minute video to learn more. This handout also provides all the details from the video. The Free Upgrade promotion carries to the end of the year.  To learn more about submission deadlines, maximum face amounts and other eligibility criteria, visit GlobalAtlanticLife.com/FreeUpgrade or download this flyer.


  • Term Conversion FACTS
    Lincoln provides a highly competitive term portfolio AND pays commissions on term conversions. Learn more.


  • WriteFit Underwriting
    With WriteFit Underwriting, your healthiest clients could be approved for coverage in fewer than three days. You now have the option to choose WriteFit within Quick eApp. Wach this presentation to learn more.
  • The business-owner market made easier
    Securian’s turnkey marketing system, Business Owner Life-stage Design (BOLD), addresses the needs and concerns of today’s business owner. Visit the newly updated BOLD microsite to discover updated campaign materials and everything you need for success in the business-owner market.
  • #1 in overall survivorship IUL sales
    Minnesota Life has become #1 in overall survivorship indexed universal life (IUL) sales for both their Eclipse Survivor and Eclipse Survivor Pro IUL products. Learn how Eclipse Survivor and Eclipse Survivor Pro can provide legacy protection and dependable growth for your clients.


  • Options for your clients’ life insurance needs
    Learn why you should make Mutual of Omaha your carrier for life.
  • Reward your clients with Fit Credits
    The Fit underwriting credit program can help your clients qualify for up to an additional two table credits from their base rating on both fully underwritten term and permanent products. Learn how Fit works and what makes this program unique.


  • Form updates


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  • New indexed rateseffective November 28thDownload the rate sheet.
  • Joint IRA payouts – income for two!
    Did you know joint IRA payouts can satisfy RMD rules while providing protected lifetime income for two persons – even non-spouses? Learn more.


  • Deferred annuity interest rates increase in December 2016Get details.


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  • Discontinuance of Individual LTC Insurance Salesimportant dates
    Please refer to the following schedule of important dates relating to the wind-down of current cases.

    • LTC Quick Quotes have been discontinued effective immediately.
    • December 2, 2016 – last day to submit “in good order” applications.
    • December 16, 2016 – last day to complete paramedical exams.
    • February 10, 2017 – all policies must be issued and paid for.
    • Read the complete announcement.
  • In-force Rate Action notifications for late DecemberGet details.


  • LTCi sales ideas
    Get tips and ideas to tackle LTCi issues head on so you can turn your clients’ needs and concerns into sales.


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  • Update on Individual Disability Insurancekey dates
    As previously communicated, the sales of new Individual Disability Insurance policies were suspended as of September 1, 2016. Due to the unexpectedly high volume of applications received, MetLife extended the final processing dates.

    • Final Placed date November 30, 2016. In order for a policy to be considered placed; sufficient premium must be received no later than November 30, 2016 with all other signatures and/or outstanding delivery requirements received (in good order) in Tampa no later than December 2, 2016.
    • MetLife is focused on evaluating every application and using the best available information to issue their best and final offer. Given the November 30 deadline, they will not be able to reconsider the underwriting offer.
    • Reissues will only be available if a policy was issued incorrectly by MetLife. They will not have the capacity to make policy changes based on riders or ratings applied by the underwriter or premium reduction changes requested after issue.
    • For additional information, please see the Individual Disability Income Closed Block FAQs.



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  • $100 discount for early registration for Medicare Supplement Conference
    Early registration savings for the 2017 National Medicare Supplement Industry Summit ends December 15, 2016. Plus, by using the special code provided in this article, you can save an additional $100.
  • Rate adjustments for FL and LAGet details.


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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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