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• How keeping a good paper trail protects you and your clients
  Good communication is good compliance, and good compliance demonstrates a high degree of professionalism.
• Here’s what young advisors really think about selling insurance
  Gen X and Gen Y advisors are reporting high levels of job satisfaction due to a number of factors.
• A retirement income strategy every advisor must know: Systematic withdrawals
  If there were such a thing as a “default” income planning strategy, systematic withdrawals might be it.

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• Legal & General America:
  • William Penn Garden City office to close – but William Penn to carry on!
  • Compliance guidelines now include social media

• North American:
  • Standing strong in 2015
    Read this letter from North American’s President and CEO.

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• AIG:
  • Choose wisely.  Choose AG Select-a-Term!
    Be sure to check the price, not just the rating.  AIG’s rated term pricing often beats premiums for lower table ratings among leading carriers. Learn more about AG Select-a-Term.
  • New financial trifecta solution – Value+ IUL
    While most insurance policies lock-in cash value, Value+ IUL includes two completely unique provisions for accessing excess cash value in the policy without reducing the initial death benefit. Learn more with the Financial Trifecta video and napkin tool.
• How to leverage life insurance for longevity
  Your customers have multiple needs. Find out how to offer multi-faceted solutions after reading this recent article by U.S. Head of Life Insurance for AIG Consumer Insurance, Rod Rishel.
• Harnessing the power of IUL with a chronic illness rider
  Download this sales idea. It leverages upside potential and downside protection of an IUL with an indemnity-based chronic illness rider.
• Based on a true story
  Increase lead generation by allowing clients to identify with the real life stories and facts available via videos, flyers and infographics. Learn more and access tools.

• Genworth Financial:
  • Treadmill no longer required for policies at or below $10 million
    View the bulletin.

• Legal & General:
  • Carve out a new market with A-List Term
    A-List Term is individual term life insurance for highly compensated staff in an organization that already provides group term coverage to its employees. Your brokers may already have contacts in corporations that want to provide their executives, partners and other highly paid employees with benefits more comprehensive than traditional group term.

• MetLife:
  • BOOST your clients from Standard to Elite
    Using Enhanced Rate Plus for your eligible Promise Whole Life Select 10 clients can substantially reduce the timeframe to underwrite a policy and upgrade their rating class.  Since the program launched in January, 9 out of 10 eligible clients who use the program were given best class rating. Even better, Enhanced Rate Plus has reduced the average underwriting decision time from over 20 days to less than 5 days for 70% of clients who apply via tele-app.

• Minnesota Life:
  • Life Choices – educating clients about their life insurance options
    Life insurance is a powerful tool that can be used to help clients achieve their financial goals. Now you have the resources to better educate your clients about their individual life insurance choices, including their benefits and considerations. Learn more by reviewing these new materials:
  • Client presentation
• Client brochure

• Mutual/United of Omaha:
  • Disability Continuation of Planned Premium Rider now available in NY
  • Make Mutual of Omaha your carrier for Life
    Take a look at the many options available for your client’s life insurance needs.
• Provide flexible options for retirement
  How to use the Guaranteed Refund Option to provide your clients flexibility in retirement.

• North American:
  • Custom Guarantee – upgrade your UL business
    When compared to other guaranteed ULs, Custom Guarantee has the lowest level-pay guaranteed premium in certain rate classes.

• Protective:
  • Consider Custom Choice UL before selling term
    For about the same or less annual premium than a traditional term policy, clients can purchase Protective Custom Choice UL, a flexible universal life solution to meet short or long-term needs. What’s more, clients can exchange their policy down the road without any additional underwriting1 for several currently marketed Protective Life policies. With this exchange they have access to our industry-leading riders like ExtendCare and Income Provider Option to meet specific needs.

• Prudential:
  • BenefitAccess Rider brochures for CA – new & improved
    Exciting enhancements have been made to these materials that help make the Benefit Access Rider story easier to tell and more compelling for your customers. Check out Prudential’s new consumer brochures.
  • View the BAR Consumer Flyer
• View the BAR Generic Consumer Brochure
• Conversion of Hartford Life Insurance Policies to TPA
  On March 30 2015, Prudential converted the servicing of the Hartford block of life insurance policies to Alliance One – a licensed third party insurance administrator (TPA). Alliance One has a strong track record of providing quality service.  The information below outlines how firms, brokers, and clients can expect to interact with Alliance One.
• Read the announcement
• View the producer mailing
• View the consumer mailing
• Competitive underwriting for clients not in optimal health
  The Prudential Rate Reduction program is specific to certain ratable impairments (Table A and B) where underwriting experience allows for an improved offer. See how this program may positively impact the pricing you offer to your clients.
• Making 1035 Exchanges easier
  To help ensure that your 1035 exchange transaction goes smoothly, this new Helpful Hints document provides an overview of Prudential’s eligibility requirements; as well as expectations on other carrier processing guidelines.
• Can a positive attitude put clients at risk?
  Through life’s ups and downs, we tend to underestimate the likelihood of bad things happening in our futures. Prudential’s new commercial shows how an overly optimistic outlook can prevent your clients from planning appropriately. Leverage this new commercial – http://www.bringyourchallenges.com/it-wont-happen-to-me.

• Symetra:
  • Classic w/LPB, LPB Premier & SUL-G – products that bring on the heat!
    Symetra continues to be a leader in the GUL marketplace.  They have updated their materials to illustrate the competitive edge. See how Classic with LPB, LPB Premier and SUL-G stack up against the competition.
  • Life insurance in a Dynasty Trust
    With a life insurance policy properly structured in a dynasty trust, your clients’ assets can potentially work even harder for their beneficiaries-in some cases, over several generations. This new video shows this concept in action. Also, read the latest Success Story to see how funding the trust with private financing can help clients who wish to preserve as much of their lifetime gift tax exemptions as they can for future use.
• Trust-owned life insurance as an alternative asset
  Life insurance in an irrevocable life insurance trust (ILIT) can potentially be an effective way to help clients replace wealth lost to taxation, while also serving as an alternative asset inside the trust. Read this Success Story to see how this strategy can give your clients flexibility for future trust distributions, while also leveraging trust assets for future generations.
• IRA maximization strategy – a new opportunity
  The president’s 2015 budget proposal would require non-spouses inheriting IRA accounts to take taxable distributions within five years, eliminating the tax deferral benefits of stretching distributions over their lifetime. The good news? Even if the proposed five-year acceleration becomes a reality, a life insurance policy held inside an irrevocable life insurance trust (ILIT) may still be an effective wealth transfer tool, providing a larger legacy and giving client’s more control over how trust assets will be distributed to beneficiaries. To learn how this strategy may benefit your clients, check out this IRA Maximization Strategy Flier.

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• AIG:
  • American Pathway DIA with QLAC option now available in MS, OR & WA
    The American Pathway Deferred Income Annuity (DIA) and its ability to be designated as a Qualified Longevity Annuity Contract (QLAC) are now available in Mississippi, Oregon and Washington. It could be a good addition to your clients’ portfolio; providing tax-deferred savings and a guaranteed income stream for later in life. View the bulletin.
  • ML Strategic Balanced Index – NEW!
    The new ML Strategic Balanced Index is now available in select Power Series Index Annuities. It is available in two index interest crediting methods and offers the potential for stable and attractive crediting through varying market and interest rate environments.
• QLAC Sales Tools –NEW!
  Learn more about the benefits of a QLAC by taking advantage of the newest QLAC Sales Tools; including a QLAC White Paper, an FAQ featuring top client concerns and a flier on how to potentially reduce RMDs with a QLAC.
• Client Profile Form has been updated – reminder
  View the bulletin that includes transition guidelines.
• Be sure to visit IncomeGeneration.com – NEW!
  IncomeGeneration.com brings together AIG’s three signature business-development programs (What’s Your Strategy?, Social Security Savvy and Income Solutions for the Income Generation) within a single microsite. With valuable educational resources, interactive planning calculators, and compelling story-selling videos, this new tool is designed to help advisors address clients’ expanding retirement income needs.

• American National:
  • Annuity rates – effective April 1^st

• Athene:
  • DOUBLE your clients’ Income Base in 10 years!
    With the Athene Income Aspect Fixed Index Annuity with an Optional Income Rider, your clients’ Income Base can double in 10 years with an Income Base Guaranteed Simple Interest Rate of 10%! And, it doesn’t have to stop at year 10. Clients receive a 10% roll-up rate for 10 years and 5% for the next 10 years that’s credited to the Income Base – guaranteed. That’s up to 20 years of outstanding growth!
  • NEW Athene Annuity Sales Resource Center website
    View the bulletin.

• Genworth Financial:
  • SPDA rate decrease – effective April 1^st
    The change affects all National and New York SPDAs.  View the rate flyer. (View the New York rate flyer.)  To lock in the current higher SPDA rates, applications must have been signed by March 31, 2015 and received within 14 calendar days of the application sign date, with the money or transfer/exchange form.  View the guidelines.  (View the New York guidelines.) Genworth must initiate and complete the transfer/1035 to hold the rate lock for 60 days from the application sign date. Also SPIA rates decreased on March 30, 2015. Genworth will need the application on or before April 6, 2015 with the money or transfer paperwork to lock in the current rate scale.
  • Current annuity rate flyers

• Lincoln National:
  • Minimize your RMD’s
    Lincoln’s Deferred Income Annuities (DIA’s) are now QLAC approved ( DIA’s not available in NY or CT). View this flyer to see how to lower your client’s RMDs if they don’t want distributions.
  • SPIA & DIA rate increase
    View the fixed annuity rates for all products. View the income annuity rates.  
• Lincoln Leader for Annuity – March 23^rd edition
  In this issue:
• QLAC status available with Lincoln Deferred Income Solutions Annuity
• Fixed Indexed Annuity statement enhancement
• Maximum premium limit for fixed indexed annuity increased to $2 million
• Fourth Quarter Credited Rate Histories
• Top 5 NIGO’s
• Updated Buyer’s Guide requirements for CO, GA, HI, NV, NC, SC & TX
• Florida Suitability Information
• OptiChoice 5 Indexed Annuity crediting rate history

• North American:
  • Volatility Control Index on Performance Choice 8, 8 Plus, 12 & 12 Plus – NEW!
    The Annual Point-to-Point with Index Margin crediting method and Volatility Control Index have been added to the Performance Choice 8, 8 Plus, 12, and 12 Plus fixed index annuities. North American’s illustration software has been updated! Visit the website (login required) to check out the new enhanced illustrations.
  • Learn more about the new index with these resources:
• Download the Client Flyer
• View the video
• Review the updated Performance Choice product materials:
• Performance Choice 8 Detail Sheet
• Performance Choice 8 Plus Detail Sheet
• Performance Choice 12 Detail Sheet
• Performance Choice 12 Plus Detail Sheet
• Allocation Form (for use beginning March 24, 2014)
• State Availability Chart and Forms Chart (Review for state variations on materials)
• Interest Rate Sheet
• Illustration Quick Tips
  Want to see how North American’s products stack up, but need help running an illustration? View this short video guide on running illustrations.

• Protective:
  • Limited MVA added to Indexed Annuity II in DC, IA, NC, NM, OH, OK, RI &  SC
    With the above additions, Protective Indexed Annuity II with MVA is now available in AL, AZ, AR, CA, CO, DC, FL, GA, HI, IA, ID, KS, KY, MI, MS, MT, NC, NE, ND, NM, OH, OK, RI, SC, SD, TN, TX, WV and WI!  NAIC annuity training (Course FIA-M2 with MVA) is required in CA, CO, DC, FL,  HI, IA, ID, KS, KY, MI, MS, NE, ND, OH, OK, RI, SC, SD, TX, WV and WI. Indexed annuity MVA application packets for the new states are now available.  Please note: The Non-MVA indexed annuity product is/will be discontinued in states where the MVA is approved.  See the flyers below for additional details.
  • Indexed Annuity II with no MVA consumer rates
• Indexed Annuity II with MVA consumer rates
• Indexed Annuity II New York consumer rates
• Indexed Annuity II advisor letter

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• Mutual/United of Omaha:
  • Additional Coverage Application
    When clients want to increase benefit amounts on an existing policy, use the Additional Coverage Application to do it easily. However, if your clients want to add individuals or benefit riders, they will need to fill out a new application and sign a new contract. Newborns can be added through contacting Policyowner Services.

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• American National:
  • 2015 CASH IS KING for Fixed Annuities(January 1 – April 30, 2015)
    American National is paying a cash bonus for fixed annuities between January 1^st and April 30^th.  Get complete details.
  • 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.

• Athene:
  • Leaders of Olympus  – annuity incentive  (January 1 – December 31, 2015)
    Click here for details.

• Genworth Financial:
  • Producer Elite Program  (January 1 – December 31, 2015)
    The Producer Elite Program is a new, producer-focused tiered incentive compensation program for annuity production.  Click here for complete details.  Also, view the frequently asked questions.

• Mutual of Omaha:
  • 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. 

• North American Company:
  • 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!  Click here for complete details. 

• Transamerica:
  • 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.