• Annuity Webinar Schedule
    Get the schedule and registration instructions. Webinars are held at 1:00 PM CT.
    Dial-In #: 888-535-6454  Access Code: 8123535

    • October 14th – Foresight Illustration Training
    • How to use Foresight
    • Online web demo
    • How to understand the illustration
    • October 21st – Generating Income for the Income Generation
    • Avoiding Income Hazards
    • Optimizing Retirement Income
    • IncomeGeneration.com
    • IncomeGapFinder.com
    • November 4th – ML Strategic Balanced Index
    • Exclusive AIG Index that offers upside potential while smoothing out market volatility.
    • How does it work?
    • How to position for your clients?
    • November 18th – QLAC Overview
    • Learn more about the NEW Qualified Longevity Annuity Contract (QLAC) with the American Pathway Deferred Income Annuity.
    • QLAC may be a good option for your clients.
  • Life Insurance Webinar Schedule
    Get the schedule and registration instructions.  Webinars are held at 1:00 PM CT.
    For details on each session, click hereDial-In #: 888-535-6454  Access Code: 8123535

    • October 15th – Value IUL – 5 Things You Need To Know
    • October 22nd – Asset Protector Overview
    • November 5th – eStation Website Overview- Part 1
    • November 12th – eStation Website Overview – Part 2
    • November 19th – AG Select-a-Term
    • December 3rd – AG Quick Ticket
    • December 10th – Optionality Microsite Review

  • Index Annuity 101 LIVE webinars
    Click here to register. The webinars are held on Wednesday’s at 2:30 PM CT. A confirmation link to join will be emailed to you.

    • October 14th – Understanding and Addressing Four Key Risks to Retirement
    • October 21st – A Guide to Index Annuities: A Solution for Growth and Income
    • October 28th – A Look Inside Index Annuities – The Mechanics of How They Work
    • November 4th – Building Guaranteed Lifetime Income with Index Annuity Income Riders
  • Life Insurance Live Year-End Webcast
    Attend this webcast for a live look at:

    • Effective tips for reaching your year-end goals
    • Game-changing strategies that top wholesalers incorporate into their practice
    • Unique underwriting programs that can be utilized to meet a multitude of client needs
  • NEW Charter Plus FIA
    Learn about North American’s newest fixed index annuity solution that offers a strong start with competitive premium bonus options for your clients.

  • On-Demand Webinars
    What you need to know about underwriting.

    • Diabetes – View now.
    • Financial Underwriting for Personal Insurance – view now
    • Underwriting guidelines on Prostate/Colon Cancer – view now
    • Respiratory Disease – view now
    • Underwriting for Anxiety and Mood Disorders – view now
    • Breast Cancer – view now

  • Accordia offers new E&O option
    Read the E&O Plan announcement for details about this new company-sponsored policy option.

  • Genworth takes step to increase financial flexibility and strength
    Last week, Genworth announced it has entered into an agreement to sell, via reinsurance, certain blocks of term life insurance to Protective Life. View the press release. The transaction represents a positive step toward increasing Genworth’s financial flexibility and strength by generating capital from low return blocks. It represents about 16 percent of our total life insurance in force book of business. Genworth will continue to service this block of business and the sale will be seamless to policyholders and distributors. There will be no changes to the terms of their policies (including premium payments and conversion rights), and communications will continue to come from Genworth.
  • You and your clients can view policy information on a tablet or smartphone
    View the agent and client training videos below to learn how to access the information.

  • Generation Matters
    This program can help you improve sales effectiveness by becoming familiar with the needs and communication preferences of each generation.
  • New applications and new forms – now available
    See what’s changing.

  • Underwriting Breast Cancer
    According to the American Cancer Society, breast cancer is the most common cancer seen in American women – except for skin cancer – and is the second leading cause of cancer death in women (lung cancer is the first). Read the underwriting dialogue for breast cancer.
  • Client Review – NEW!
    Buying and selling life insurance isn’t always as easy as it can be. This new Client Reviewmakes the process easier!  It provides a thorough guide for you to help clients determine their needs; including possible reasons to buy, needs analysis and types of insurance.

  • Leverage idle assets to increase legacies
    Your agents may have clients approaching age 70 concerned that taking required minimum distributions will increase their tax exposure. They may not need the extra income and want to minimize their tax risk. This strategy featuring life insurance can help them reduce their tax exposure and create wealth for the next generation. Clients may want to consider different strategies for utilizing surplus income from IRA distributions.

  • Put Life into Perspective for your Clients
    Over 80 percent of consumers overestimate the cost of life insurance. This new flyer can help clients understand how life insurance can be an affordable way to protect their family’s financial security.

  • Changes to underwriting requirements on fully underwritten life insurance business
    • The Personal Health Interview(PHI) is no longer required for ages 18-65 and for face amounts $1,000,001-$5,000,000
    • An Electronic Inspection Report(EIR) will now be required for ages 46-65
    • Ages 46-65 , Face Amounts $1,000,001 – $2million
    • Ages 18-65, Face Amounts $2,000,001- $5million
    • The Electronic Inspection Report (EIR) is ordered internally by the Home Office and will allow the underwriting team instant access to public records and a faster turnaround on underwriting decisions.
  • Underwriting Services
    Learn more about Mutual of Omaha’s underwriting services on GUL and GUL Plus and how they can pay off for your clients.
  • Living Benefits
    GUL and GUL Plus products come with living benefits at no additional charge; providing clients with flexibility for whatever their future holds.
  • Advanced Markets: A Success Story
    Read this recent success story and find out how Mutual of Omaha can help you.

  • Want to grow your life insurance sales?
    Check out these new ideas designed to help you lead with client value so you can grow your business and deliver a better client experience.

  • Are your clients prepared for the challenges of aging?
    It’s the right time to be talking to your clients about the challenges of aging. Prudential’s permanent life insurance with the Optional BenefitAccess Rider can provide death benefit protection with the financial flexibility clients may need if they suffer from a chronic or terminal illness someday.

  • SBLI’s Upsell Program Works
    SBLI’s Upsell Program – which allows you to offer increased face amounts to your eligible clients with no additional underwriting requirements – took effect in April. Nearly 20 percent of offered upsell opportunities have been accepted; resulting in increases of $393 in average annual premium and $237,000 in average face amount. Upselling is a perfect way to help close the insurance gap that families are facing nationally, as well as boost your commissions!

  • New Part I Application – now available
    The new application has been designed to simplify the application process and reduce the need to request additional documentation once the initial application is received. The most popular products – including Symetra UL-G and Symetra SUL-G – have been combined into one application. Several new underwriting questionnaires will also be introduced to help gather additional details about financial information, residency/travel, aviation, and alcohol use, when required.
  • Using life insurance to leverage alternative assets
    This new client brochure can help guide clients through the benefits of owning life insurance and provide two scenarios that illustrate how leveraging alternative assets using life insurance may help maximize their wealth transfer.

  • Replacement regulation for AZ
    Arizona has enacted a replacement regulation that is based on the NAIC Life Insurance and Annuities Replacement Model Regulation.
  • 5 Elements to Success in the International Risk Market
    Transamerica’s International Underwriter Chris Guerin provides tips for avoiding logistical pitfalls when working on international cases. Check out his recent LifeHealthPro article to access his valuable insight on this growing market.
 No bulletins to report this week.

  • Immediate & index annuity “Split Ticket” strategy
    AIG’s period certain American Pathway Immediate Annuity provides income now; while the Power Series of Index Annuities with Lifetime Income Plus guaranteed living benefit rider offers clients the opportunity to double the income base when they wait 10 years to take withdrawals. Learn more.

  • Incredible female and male SPIA rankings!
    Run a quote to see for yourself.

  • New Charter Plus FIA – now available
    Get the interest rates and the state approval chart. For training on RegEd, use product code 15SFGNAC-08.  And, watch and share the new point-of-sale video below.  It’s approved for use with clients!


  • November is Long Term Care Awareness Month
    Over the past 12 years, nationwide costs for long term care (LTC) have risen steadily – from homemaker services to nursing homes. Help your agents prepare your clients for the costs of LTC in their area by sharing findings from the Genworth 2015 Cost of Care Survey.  With at least 70% of people over 65 requiring some type of long term care services and support at some point, they can help their clients put a plan in place. Have your agents educate clients by starting conversations to help their clients plan for a more secure future.

  • Performance LTC
    • Performance LTC Investment Strategy
      John Hancock’s Performance LTC policy is supported by a unique investment strategy designed to diversify risk and enhance the long-term yield. This updated Performance LTC Investment Strategy Brochure will provide you with an overview of John Hancock’s investment approach that includes a broad array of fixed income and alternative long-duration assets.
    • Materials to help you get to know Performance LTC
      Whether you’ve been selling Performance LTC since it was introduced, or the product is new to you, John Hancock has developed material that will provide you with everything you need to know about this innovative coverage.
  • In-force rate action notifications for late October
    Get details.

  • 5 things customers expect
    Find out what attributes customers are looking for when it comes to an insurance company that offers LTCi.
No bulletins to report this week.
  • DI Student Program
    The DI Student Program is a great way to engage potential customers as they head into their professional careers.

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  • 10% Bonus Commission on Value+ IUL  (June 1 – December 31, 2015)
    Earn an extra 10% BONUS COMMISSION on Value+ IUL policies paid between June 1, 2015 and December 31, 2015.

    •  NO thresholds to meet
    •  NO tiered payouts
    •  NO maximums
    •  No restrictions on how the extra commission is used- for example, you may wish to share all or part of the bonus with your producers, creating an incentive program of your own.

  • 2016 Marketing Conference in Hawaii  (January 1 – December 31, 2015)
    The top 80 qualifiers and their guest will be invited to enjoy six days and five nights at Four Seasons Resort Hualalai in beautiful Kona, Hawaii.  Click here for complete details.

  • 2016 LFN Convention in The Bahamas!  (January 1 – December 31, 2015)
    Indulge in the beauty and splendor of the brand-new, ultra-extravagant Grand Hyatt at Baha Mar in the Bahamas. LFN qualifiers will enjoy the sun-drenched sand and surf, as well as one of the islands most beautiful and challenging 18-hole golf courses.  Get qualification detailshere.
  • 2016 LFN Summit in Prague, CZ  (January 1 – December 31, 2015)
    Set your sights on the crown jewel of Eastern Europe as we head to Prague, Czech Republic. The exquisite Four Seasons Prague will host our qualifiers in a luxurious setting overlooking the famed Charles Bridge. Get qualification details here.
  • DI Growth Challenge – Part II  (July 1 – December 31, 2015)
    Increase your MetLife DI premium by 15% and receive a cash bonus of 6%.  Get complete details.

  • LTCI Marketing Credits Program  (November 1, 2014 – December 31, 2015) 
    Mutual of Omaha’s LTCI Marketing Credits Program gives you the opportunity to score marketing credits that can be used to help build your LTCi business.  Start earning credits on your fifth LTCi app placed after November 1, 2014.

    • Earn 1% of ANBP
    • 1 credit = $1
    • Credits must be redeemed by March 31, 2016
  • Mutual Sales Leaders in Rome!  (January 1 – December 31, 2015)
    Experience all that is Rome when you qualify for Mutual Sales Leaders in 2015!  Your Mutual of Omaha Medicare Supplement and Simplified Issue Life sales can take you to the Eternal City where you’ll enjoy centuries of iconic achievements in Roman art and architecture. It’s the trip of a lifetime!  Click here for complete details.

  • Elite Producer Club – annuity incentive  (January 1 – December 31, 2015)
    Earn up to 1% extra commission on all North American Fixed Index Annuities in 2015! Get complete details.
  • 2016 Protective Life Sales Convention  (July 1, 2014 – January 1, 2016)
    Make sure you’re taking advantage of the full qualification period for the Protective Life Sales Convention. Write your business today so by next May, you’ll be able to savor your success!Qualification Period: combined business from July 1, 2014 – January 1, 2016.Qualification Rules: top 40 BGAs with a minimum of $1,000,000 net paid annualized life premium (NPAP). NPAP is defined in the Independent Agents Agreement each BGA holds with Protective Life.Minimum life count of 15 paid applications.No credit for Annuity or BOLI premium.Convention point credit will be given on excess premium at 6%
  • Founders PLus Bonus Program  (EXTENDED THROUGH DECEMBER 31, 2015)
    This This means you have another three months to earn an additional 20% bonus compensation on all new PruLife Founders Plus UL business you place. Click here for complete details.
  • Leading Distributors Convention in Barcelona  (January 1, 2014 – December 31, 2015)
    This is your opportunity to experience one of the world’s top destinations in an entirely unique way-the Transamerica way! Sun-filled days, exciting nightlife, and the breathtaking beauty of Barcelona await, when you qualify for the 2016 convention – held May 11-15, 2016.  Click here for details. 
  • Breakaway Travel 2015!  (February 1 – December 18, 2015) 
    Break Away returns for 2015 with more destinations and new opportunities to qualify! Click here for the producer rules & regulations.
  • The Insurables!  A Learn and Earn Promotion  (June 1, 2015 – March 31, 2016)
    The Insurables is a rewards-based program designed to engage and motivate producers to grow sales. Through a series of videos, producers are given the opportunity to learn more about key clients — The Insurables — as well as a chance to earn prizes and a 10 percent commission enhancement. Click here to start learning and earning. Please note: New York, Guam, Puerto Rico and non-U.S. business is excluded from the program. Get complete details!