September 28, 2016






  • Discover Proven Ways to Find Annuity Prospects


  • LTC Captivate 2.0 webinars
    This webinar is designed to familiarize you with everything you need to know about LTC Captivate 2.0, John Hancock’s online LTC insurance application. This hour-long live demonstration will get you up to speed in no time.

  • Performance LTC Top Sellers Round Table
  • 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.


  • CareShield: A NEW Solution for Chronic Illness Coverage


  • Performance Choice Fixed Index Annuity Series
    Featured Topic: Learn how this series can offer competitive Accumulation as well as an optional guaranteed lifetime withdrawal benefit rider.


  • 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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Life Insurance Awareness Month is almost over, but your agents can still use the resources that feature the 2016 LIAM spokesperson – race car driver Danica Patrick. They can also use the carrier resources below:




  • LIAM campaign
    Help your agents prospect for new clients with the “3 things you may not know about life insurance” series. Check out the video and flyer that talk to prospects about protecting more than their income with life insurance.  See the flyer.  Watch the video “Who needs Life Insurance?” There is also an alternate version of the flyer ready to be customized with your agents contact information and could be shared via email or postal mail, whichever they prefer.



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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.

  • 8 insurance sales tips especially for millennial producers
    If you’re a commercial producer and a millennial, your clients probably are not your age. Here’s how to communicate well with your clients despite generational differences. Read more.
  • How to maximize Social Security benefits for women
    4 scenarios that affect the optimal time for a woman to begin drawing Social Security. Read more.
  • Why some life insurance policies perform better than others
    Life insurance producers gravitate toward guaranteed universal life (GUL) contracts because of their simplicity. End of story? Not quite. Read more.
  • 8 financial mistakes couples make that could derail retirement
    Reaching the peak of financial success as a retired couple requires avoiding making these eight mistakes now. Read more.
  • Storytelling 202: Five more ways to persuade
    Great storytelling that can be implemented during the sales process includes these five critical elements. Read more.
  • The increased insurability of regular marijuana users
    Until recently, nearly all life insurers’ underwriting guidelines pegged cannabis user insurability akin to that of tobacco cigarette smokers. Not any longer. Read more.
  • Voya chosen as service provider for Los Angeles retirement plan
    The City of Los Angeles deferred-compensation plan has $4.9 billion in assets and more than 42,000 members. Read more.


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  • A Story of Long Term Progress
    Watch this video to see the collaboration of an innovative retirement product.


  • Legal & General Group Backs First U.S. Infrastructure Deal
    LGA has agreed to its first infrastructure transaction in the U.S. as part of a strategy to target real asset deals which provide high quality long-term returns to match pension liabilities. The transaction builds on LGA’s fast-expanding U.S. activities and supports plans to invest in infrastructure, direct investments and urban regeneration projects. The transaction is the first ever educational sector public-private partnership to take place in the U.S. The financing will help to nearly double the size of the University of California, Merced, campus to accommodate 10,000 students and expand its research and teaching programs. Read the full press release.


  • Ordering materials from MetLife Pro is now faster and easierLog in now.


  • Just-in-time licensingcoming October 1stGet details.


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  • An easy-to-understand tax diversification strategy
    Share this video with clients.


  • Table Reduction Program for GUL
    The new Table Reduction program for Signature GUL could transform a case from Table 4 up to Standard.  Eligibility: Ages 18-70, Face Amounts from $250,001 up to $2,000,000. Learn more.
  • Second to Die with Chronic Illness
    Global’s Survivorship Builder product is one of the best in the marketplace today. It can help clients leave a legacy for their children, provide cash value for ultimate flexibility if their plans change, and offer a chronic illness rider once one insured passes to help with medical costs. Download this sales idea to see how this product can solve the needs of a 55 year old couple looking to pay an affordable premium yet still achieve what they need and want to provide to their family in the future.
  • Rewarding Life at Every Stage – Growing Families
    This campaign highlights how John Hancock Vitality provides financial security, while rewarding people for the everyday things they do to stay healthy-at every stage of life. View this case study to meet Scott K, a financial advisor and John Hancock Vitality policyholder. Take a look at why John Hancock Vitality makes sense for his age group. Also, check out the materials below to use with your clients:

    • Life insurance for every stage demonstrates why it’s never too early or too late to have a conversation about life insurance.
    • Life made easy is a simple guide to help clients understand the value of life insurance.
    • Charting a Course brochure provides information on the different life insurance applications and types of insurance, and includes a worksheet to help determine the coverage needed.
  • John Hancock’s Guide to Financing PremiumsNEW!
    The John Hancock Guide to Financing Premiums offers an expansive overview of financing techniques typically used when affluent clients are purchasing life insurance outside of their estates. It’s the blueprint you need to build and implement a plan that meets your clients’ unique goals.
  • Life in Motion: The Soundtrack of Life
    Watch the video below.


  • CareShield – a solution for aging clients
    CareShield provides both a simplified option for guaranteed premium life insurance protection and a solution for your clients’ future care needs. With CareShield, you can give your clients benefits they can depend on. By combining a universal life insurance policy with built-in living benefits, clients may:

    • Provide a tax-free death benefit to loved ones upon their death.
    • Receive living benefits for chronic and terminal illness.
    • Receive a premium refund if they elect to discontinue coverage after a specified number of years.
  • GRO Rider enhancementseffective October 1st
    Effective October 1, Mutual’s life products will offer more value for clients with an increase in the Maximum Refund Cap on the GRO rider. Increasing from 35 to 50 percent, this enhancement applies to GUL, GUL Plus, GUL Survivor and Income Advantage IUL. Learn more.
  • Living Promise – a Final Expense solution
    Mutual’s Living Promise product delivers peace of mind for clients, competitive rates for almost any budget and simplified underwriting for quick decisions. And by using Apptical as a Point-of-Sale application, they can get a decision to their client in minutes. Have your agents use the Living Promise Product and Underwriting Guide for their one stop shop for everything Final Expense.
  • Help Businesses Retain Key Employees with a Stay Bonus
    When clients are planning for business succession, they want to make the transition as smooth as possible. One way to ease that concern is to offer a Stay Bonus to select employees. Have your agents use this presentation and sales idea to help learn how Income Advantage IUL can work for this planning strategy.
  • GUL & GUL Plus pricing changeseffective October 1stGet details.
  • GUL Mobile QuotesCOMING OCTOBER 1st
    Beginning October 1, Mutual’s fully-underwritten Guaranteed Universal Life product will be available for mobile quoting. Learn how to download or update the app.
  • Sales Playbook
    Have your marketers use this new Sales Playbook tool to market sales concepts to your agents. Some of the features of the playbook include:

    • Description of the Concept
    • Agent and Client Profile
    • Key Selling points
    • Illustration Design Tips
    • Right word and Questions to use with clients
    • Follow up email to agent
  • Game-Changing Underwriting EnhancementsGet details.


  • UL Protector
  • Revised PXB Worksheet and PSB Application Instructions
    The PXB Worksheet Instructions and the PSB Application Instructions have been revised to include updated BenefitAccess Rider instructions. Read the bulletin.
  • IUL Cap and Illustrated Rates
    On October 1, 2016 the index caps and illustrated rates for the 2015 Founders Plus and Index Advantage UL products are changing. Find out what changes are being made.


  • The SBLI CHANGES Program is being withdrawneffective immediately

Following the recent announcement regarding the CHANGES program, SBLI received input about a concern that could potentially expose them to market conduct ramifications. As a result, the October 1, 2016 launch date has been cancelled and the Program has been withdrawn.

  • Symetra UL-G – more than just a death benefit
    Many clients want guaranteed coverage; but what if they need access to their money down the road? Symetra UL-G can give them both. It provides a guaranteed death benefit and coverage that can be tailored to your clients’ unique needs. And with our optional Chronic Illness Plus and Return of Premium riders, they have greater flexibility during life’s unexpected twists and turns.
  • The Trendsetter Portfolio offers more cost-effective options
    Your agents have heard it a million times from clients, “I can’t afford it right now.” People want life insurance coverage, yet 64% of consumers say they haven’t purchased a policy because they think it’s too expensive. Transamerica’s premium rates improve your agents competitive position within key markets, particularly for younger clients who need coverage now. With features like the Income Protection Option (IPO), available at no extra premium cost, clients have the flexibility to choose how they want their death benefit to be paid out: as a monthly income stream for up to 25 years, an initial or final lump sum, or a combination of all three. Trendsetter policies offer the protection, value, and convenience that clients need today. Have your agents use the materials below to help tell the story.


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  • American Pathway annuity rates have increasedeffective September 26th
    On September 26, 2016, American Pathway Immediate Annuity & American Pathway Deferred Income Annuity rates increased. See the current rate sheet.
  • Power Series of Index Annuities product changeseffective October 10th
    This product is designed for your clients seeking protection, growth and accumulation. A retirement plan of action with choices:

    • Opportunity for rising income
    • Asset accumulation potential with choices of interest crediting accounts
    • Premium enhancement
    • Get details of the changes.
  • US Life (NY) home office address change & new suitability regulations for AL & MAGet details.


  • Suitability Review process change
    In the past, Integrity’s suitability reviewers only called those annuity applicants age 65 and older who opted out of completing the Suitability Questionnaire. Under the new process, a call is made to every applicant who opts out of completing the questionnaire. The call is typically short. It consists of a few basic questions about understanding of the annuity and ability to meet needs in a financial emergency.
  • MultiVantage SPDA is now UNAVAILABLE in Michigan
    Effective September 26, 2016, MultiVantage Single Premium Deferred Annuity became unavailable for new sales in Michigan. September 23, 2016 was the last date that applications would be accepted. Watch for updates to this product for this state in the future.


  • How to show Accumulation Potential
    The following resources are designed to help show the innovative accumulation potential with the NEW Threshold Participation Strategy (TPS) on the Performance Choice fixed index annuity series.

  • Great 5-Year MYGA RatesLearn more.


  • Annuity Training Required for AL & MA
    Beginning October 1, 2016 (Massachusetts) and January 1, 2017 (Alabama), an insurance producer may not solicit the sale of an individual annuity product in either state until he/she has completed insurer-provided product-specific training. An insurance producer must also complete a one-time four (4) hour annuity training course provided by a continuing education provider approved by the state.


  • A positive rate changeeffective September 28th
    VOYA has increased cap rates and lowered spreads. See the new rate sheet.


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  • LTC rate adjustmentseffective December 1stGet details.


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  • New & updated forms for DI Choiceeffective October 1st
    Beginning October 1, 2016, DI Choice will have an “Authorization to Release Information to My Agent” form, and an updated “Temporary Insurance Agreement” and “Conditional Receipt” are included in the application packet. Read the bulletin.
  • The New Beginnings Cancer, Heart Attack and Stroke product will be available in MNeffective October 1stRead the bulletin.


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  • High Deductible Plan F & Plan N now available in NH Read more.
  • Rate Adjustments for NE, TX & NJGet details.
  • Download the Quote App for the Med Supp Fall Surge
    Download from the App Store.  Download the Android App on Google play.


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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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