October 12, 2016





  • Business Owners RPS Series Part One: Getting Started
    In this three part series, you’ll learn how to build your practice and your bottom line with Business Owner Retirement Plans. You’ll cover topics like how to talk to business owners, who makes a good fit for a certain plan type, how to present illustrations to the client and how to set up a plan (and start making contributions!)


  • Making LTC Insurance more accessible & affordable10-minute webinar
  • Making the sales process easier & faster10-minute webinar


  • Performance LTC Road Showcoming in October to a city near you
    Ignite your sales with Performance LTC – the best solution for your clients’ long-term care needs. John Hancock is on the road COMING TO YOU to provide the latest sales techniques on how to sell this innovative product. Hear about recent consumer research for insights into Long-Term Care Insurance.


  • BOLD 2.0 (Business Owner Life-Stage Design)


  • Optimizing the Client Appointment
    Sometimes a new appointment is your one and only chance to make an impression. Are your appointments turning prospects into clients?

  • Performance Choice Fixed Index Annuity SeriesWATCH THE REPLAY.


  • 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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Real Life Stories is now accepting applications!

Life Happens is now accepting entries for the 2017 Real Life Stories Client Service Recognition Program. This annual program highlights compelling stories of the role insurance has played in helping families and businesses in times of great financial need-AND the important role that an agent or advisor has in helping them get that coverage.

Share your life, disability or long-term care insurance success story. If it is chosen (by an independent panel of judges) it will be featured in Life Happens’ national consumer educational awareness campaigns and you’ll be able to leverage the professionally produced promotional video and flyer that Life Happens will create.
See the 2016 winner!

To enter, complete the application at www.lifehappens.org/reallife. The deadline to submit an entry is October 31, 2016 at 4:00 PM ET. Please contact Julie Holsinger at jholsinger@lifehappens.org with any questions.

  • Best sales practices from an MDRT Top of the Table producer
    It’s not what you know or sell that counts most, but the strength of your network, says Gateway CEO Shane Westhoelter. Read more.
  • How to target millennials with life insurance marketing
    When done well, working with younger generations of clients can be win-win for everyone involved in insurance and financial services. Read more.
  • Women failing to max out Social Security benefits in retirement
    Eight in 10 retired women collecting Social Security benefits took those benefits early, locking in a lower lifetime income, according to Nationwide’s “2016 Social Security Study.” Read more.
  • 4 common misconceptions about FIUL
    Fixed indexed universal life insurance is answering a need in the marketplace. Read more.
  • Disability insurance helps workers keep up the pace
    Open enrollment season is a good time to take a broad look at how people are covered. Read more.
  • The role of financial literacy in generational wealth planning
    Advisors who are serious about helping their clients with generational wealth planning should show clients how to begin the process at home. Read more.
  • Life insurance denied: 3 reasons to review medical records for accuracy
    Clients can save money on life insurance premiums, or go from no coverage to full coverage, by getting their medical records corrected, writes Tomas McFie. Read more.
  • The COLI market is making a comeback
    Company-owned life insurance, or COLI, is enjoying renewed popularity in helping companies recruit highly skilled talent, reward high performing employees and retain key executives. Read more.
  • The Implications of Carrying Higher Housing Debt into Retirement
    Over the last 25 years, Americans near and in retirement experienced an increase in housing debt that far outpaced the increase in housing values over the same period. Based on National Retirement Risk Index (NRRI) research by the Center for Retirement Research at Boston College, Planning for Retirement: The Implications of Carrying Higher Housing Debt into Retirement explores the consequences of this trend, and highlights the role life insurance can play in helping to mitigate debt burdens. Read the paper.


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  • MetLife/Brighthouse update
    Brighthouse Financial filed documents with the SEC to outline the planned separation from MetLife. Review the information below for more details.


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  • Take out the mystery and confusion of how IULs credit interest
    The tools below provide an informative and easy to understand explanation of how index interest accounts work:

  • eDelivery enhancementsGet details.
  • Pricing changes for Secure Lifetime GUL 3effective October 17th
    On October 17, 2016, premiums will increase an average of 1-5% depending on age, underwriting classes, and funding pattern.
  • GUL 3 will be available in New Yorkeffective October 17th
  • Pennsylvania Surrender Comparison Index DisclosureRead the bulletin.
  • Required forms for AAS Chronic Illness ABRreminder
    The Summary and Disclosure Notice for Chronic Illness Accelerated Death Benefit Rider disclosure form is required for all products where the Accelerated Access Solution rider is offered.
  • New Consumer Supplement required in CT for AAS Chronic Illness ABR
    All Accelerated Access Solution materials provided to consumers in the state of CT must be accompanied by this supplemental document. Read the bulletin.



  • Signature Term Life Insurance – helping families achieve peace of mindLearn more.


  • Reduce up to 3 tables with the Life Credit ProgramGet details.


  • Life with Vitality
    With premium savings, discounts on healthy foods, and other great rewards that appeal to people across all life stages, clients will be singing your praises to their friends, family, and colleagues. And that means more referrals than ever. Learn more about John Hancock’s Vitality solutions.


  • Cut-off date for old GUL pricing
    As a reminder, applications for Lincoln Life Guarantee UL 2013 must be received in the home office by October 14, 2016 in order to receive the pre-September 12th pricing. All cases received after October 14, 2016 will be issued as Lincoln Life Guarantee UL 2013 with the September 12th price increase. There will be a 30-day transition period for any state that has not approved the new pricing as of 9/12/2016.  View the availability grid.
  • Lincoln Leader for LifeOctober 7th edition
    In this issue:

    • Foreign National Guidelines Update
    • Process Enhancements to Lincoln TermAccel and LincXpress
    • Electronic Funds Transfer – The Most Convenient Option for Paying Premiums
    • PIMCO Fund Closing
    • Semi-Annual Report Mailing



  • Everything you need to succeed in the business-owner marketGo now.


  • Accelerated Benefits add more value to life sales
    Accelerated death benefits are an important selling feature on today’s life insurance products. Learn more about how riders work and the value they can provide to clients.
  • The GRO Rider now has a higher Maximum Refund CapRead the reminder.
  • Using Term Life Express for mortgage protectionGet details.



  • Life doesn’t always go as planned
    With Protective Indexed Choice UL and the ExtendCare Rider, your clients could benefit from a dual-purpose policy that provides life insurance protection plus access to the death benefit in case of a chronic illness. See chronic illness protection pay for itself.



  • It’s not really accelerated if your clients have to start over
    With SBLI Accelerated Underwriting, you can confidently promise a simpler client experience with no fear of mid-process stops and starts. Learn more.


  • ROP Riders – an ideal solution for when your clients’ needs change
    Despite careful planning, sometimes a client’s long term goals and needs can change. For business clients or clients who may be concerned with outliving their retirement savings, Return of Premium riders may provide an optimal solution.


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  • American Pathway  Immediate & Deferred Income Annuity rates changedeffective October 10th
    View the updated rate sheet.
  • Generate more income by maximizing Social Security retirement benefits
    Help clients understand the choices they have when it comes to Social Security benefits, and how to potentially maximize their future payments with strategies like:

    • Combining early and delayed benefits for married couples
    • File and suspend
    • Building an income bridge to help increase future benefits
  • New Client Profile forms to help reduce not in good order (NIGO) casesLearn more.
  • ML Strategic Balanced Index in the Power Series of Index Annuities
    The ML Strategic Balanced Index with Annual Point-to-Point and 2-year Point-to-Point index interest accounts seek to generate a stable return in changing markets by dynamically blending equity and fixed income indices. And, it’s now available in all 50 states! View the consumer brochure.


  • Help clients confront issues that are too big to ignore
    Use the “Elephant in the Room” program to prepare for Plan B.

  • Tackling the Retirement Income TopicWatch the video.





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  • Performance LTC
    • Policyholder Statements
      An annotated sample statement has been created to be used as a training tool; which highlights specific rules around how the Flex Account feature works. Visit www.jhltc.com (Producer Support>>Annual Statements).
    • Producer Guide
      The Performance LTC Producer Guide provides complete product and marketing information for the sale of Performance LTC and includes in-depth information on how the Flex Account works.
    • Delivering Value:  In Good Times and In Bad
      This new flier shows how Performance LTC is equipped to deliver lower net premiums for your clients.


  • 3 good reasons to make Mutual of Omaha your choice for LTCiRead more.


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  • Priority Income Protection
    This product offers your clients easy-to-understand coverage at an affordable cost…in just days. Learn more.


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  • Rate adjustments for AZ, DE, GA, NE & VAGet details.
  • The Med Supp Fall Surge
    Whether you sell one or 100-plus Medical Supplements during Medicare open enrollment, Mutual of Omaha provides the tools and support your need. Click here for guidance and resources on underwriting, marketing, product value and even ways we can help you avoid the season’s headaches.


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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.



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: January 1 – December 31, 2016)

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.


Illustrate UL-G and SUL-G’s ROP riders and win Powerbeats3 Wireless Earphones! 

Symetra’s UL-G with ROP and SUL-G with SROP offer lower premiums, longer windows, higher caps and advance policyowner notifications. Be among the top 20 case designers who run the most ROP and SROP illustrations through WinFlex Web between September 1, 2016 and October 31, 2016 and win a set of Powerbeats3 Wireless Earphones.
Get details.



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