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IN THIS WEEKS NEWS: April 15, 2015



  • AIG:
    • Life Training Webinars
      Every Thursday at 1:00 PM CTRegister here.

      • April 16th – Value Plus IUL Overview
      • April 23rd – AG Quick Ticket
      • April 30th – Term Conversion
    • Anuity Training Webinars
      Every Wednesday at 1:00 PM CTRegister here.

      • April 15th – SPIA and DIA
      • April 22nd – AP SolutionsMYG
      • April 29th – NAIC training for Power Series of Index Annuities
    • LTC, CI, ABRs – need help with this alphabet soup?
      We can help!  Attend a live training session via webinar that provides a clear explanation of the differences between chronic illness accelerated benefit riders and long-term care riders. For your convenience, choose from any of the three sessions below.  Click here for details and instructions!

      • April 29th at 1:00 PM CT
      • May 14th at 3:00 PM CT
      • May 26th at 10:00 AM CT
  • Genworth:
    • Index Annuity 101 LIVE webinars
      To attend any of the sessions below, you must pre-register.  A confirmation link to join will be emailed to you.  Pre-register here.

      • April 15th at 2:30 PM CT – A Look Inside Index Annuities – The Mechanics of How They Work
      • April 22ndat 2:30 PM CT – Building Guaranteed Lifetime Income with Index Annuity Income Riders
      • April 29th at 2:30 PM CT – Understanding and Addressing Four Key Risks to Retirement
    • Index UL 101 LIVE webinars
      These short sessions are packed-with-information to give you an introduction to Index UL, tips to starting the conversation and closing the sale, the confidence and know-how to serve your clientele and insightful sales tips to improve your sales volume immediately. Register here!

      • April 16th at 1:00 PM CT – Retirement Income Strategies: Starting the Conversation and Addressing Objections to Help Close the Sale
      • April 23rdat 1:00 PM CT – Beyond the Death Benefit: Building Cash Value with Index UL Insurance
      • April 30that 1:00 PM CT – Introduction to Index UL Insurance: A Flexible Solution for Protection, Accumulation and Retirement Solution
      • May 7that 1:00 PM CT – Index UL Insurance Sales Concepts
      • May 14that 1:00 PM CT – The Mechanics of Index Universal Life Insurance: A Closer Look Inside an Index UL Policy
  • Minnesota Life:
    • Attend a Welcome Webinar!
      Minnesota life is hosting monthly webinars to help you kickstart your sales. Attend one of the following sessions:   (Click here for details and instructions.)

      • April 15th at 10:00 AM CT
      • May 13th at 10:00 AM CT
      • June 10th at 10:00 AM CT
      • July 15th at 10:00 AM CT
  • North American:
    • The Beneficiary Designation Review: An Opportunity to Serve
      Incorrect life insurance beneficiary designations can cause significant problems forclients and prospects. Learn how to avoid these mistakes.

    • Ignite Annuity Confidence
      Learn how to create the annuity SPARK with prospects through Annuity Confidence.

  • Prudential:
    • Beneficiary Review broker webinar
      “Have you checked your beneficiary lately?” Learn how this simple question can help you build your business.
      Dial-in #: 888-285-4585 Participant Code: 817442
      Online Access: https://apps.na.collabserv.com/meetings/join?id=9522-8130 (join as a guest to bypass the password request)

      • April 22nd at 1:00 PM CT







  • Genworth Financial:




  • AIG:
    • Do your clients have enough?
      The right amount of coverage can help protect your clients from the risk of financial disruption. With 17 different durations to choose from, AG Select-a-Term is flexible enough to match your client’s situation and economical because your clients don’t pay for life insurance they don’t need.
    • Accelerated Access Solution (AAS) now available in CT
      Unique client benefits, a competitive price tag and the same level of commission as a base life policy are just a few of the advantages of the Accelerated Access Solution chronic illness rider. As of March 30, 2015, it’s available in all states except California and New York. Click here for the full list of reasons to sell this rider, as well as producer and consumer resources. Click here to view the state availability map for the AAS; as well as the Lifestyle Income Solution and the AG Asset Protector rider bundle.
    • Can your clients afford their current lifestyle on a reduced income?
      Complete a family life insurance needs analysis in just five minutes.
  • MetLife:
    • Secure Flex UL an analysis comparison
      This paper explores the comparison between Secure Flex UL and another UL product without lifetime guarantees.
    • Retirement Income Strategy flyer
      Download it now.
    • The value behind cash value
      Read now.
    • Financial Underwriting: It’s not a mystery
      Read the paper now.
    • Enhanced Rate Plus Program gains momentum
      Click here to check out a success story, podcast about the program, and the Teleapp FAQs.
    • Blood and urine will no longer be tested for HIV
      In certain jurisdictions, urine HIV testing will no longer be routinely required at ages 18 and older when the total amount inforce and applied for within 12 months is $50,001-$99,999.  View the bulletin.
    • Life Insurance as an Asset is still a good story to tell
      View the new website design for A New Look on Life for producer tools.
    • Nonresident/Resident Alien Taxation Reference Guide
      Get a broad summary of the estate and gift tax rules for citizens and residents of the United States and nonresident aliens.
    • Contracts and confirmation letters now by e-mail
      Starting April 13, 2015, the Contracting team will now send all executed contracts and confirmation letters by email. If your firm would like to opt out of this electronic process please call the Contracting Team at 1-877-638-0411, prompt 4.
  • Mutual/United of Omaha:
    • Are your clients “FIT”?
      The FIT credit program lets your clients move up to two tables. Be sure to get the best rates for your clients.
    • Need another reason to make Mutual of Omaha your life carrier?
      Mutual of Omaha offers many options for your client’s life insurance needs. View them now.
    • Provide your clients added flexibility
      Qualifying Guaranteed Universal Life and Guaranteed Universal Life Plus policies offer your clients future flexibility…at no additional cost. Read more.
  • North American:
  • Protective:
    • Don’t be fooled by term policy price cuts
      Low prices don’t matter if the solutions don’t deliver what clients need. Before you commit your temporary loyalty to another carrier, consider that there is a universal life solution that can meet short-term needs and allow 61 days to pay premium before the policy will lapse. Protective Custom Choice UL boasts a premium grace period twice as long as most traditional term policies. Clients have days 1 through 30 to pay their premium, as usual. At day 31, traditional term policies lapse, but with Protective Custom Choice UL, clients have another 30 days to pay premium with additional interest.
  • SBLI:
    • SBLI Upsell ProgramNEW!
      SBLI’s new upsell program makes it easier for agents to increase the insurance coverage for their clients. Get complete details now!
  • Transamerica:
    • How to leverage the Legacy of Love video
      Here are a few ways to get the word out!


  • AIG:
    • DIA approved in new states
      The American Pathway Deferred Income Annuity (DIA) and its ability to be designated as a Qualified Longevity Annuity Contract (QLAC) is now available in Mississippi, Oregon and Washington. Learn more.
  • American National:
    • Why sell Palladium SPIA?
      • Access funds after three years
        – Eases worry over lack of access
        – Partial withdrawal or full surrender available
        Get more on this feature
      • Guaranteed income your clients can’t outlive
      • Highly competitive payouts
        – Compare our payouts to anyone!
        – Cash Refund, Period Certain (10-30 years), Life Only and more
  • Athene:
    • Athene Ascent is now available in CT, DE, MS, OH & VA
      Get more information on Athene Ascent, rates, state availability and training requirements.




  • Genworth Financial:
    • 2015 Cost of Care Survey
      Your clients need the latest long term care (LTC) cost data to build personalized plans. Get the new suite of materials to help you confidently explain potential LTC costs to your clients – from homemaker services, to adult daycare, to private nursing home rooms. Clients will see what care could cost them in their hometown, their planned retirement spot or even where their kids live. And that could be just the motivation they need to put an LTC plan in place today.
    • Help LTCI clients balance affordability with protection
      With Where Protection Meets Affordability, you can show clients that smaller, simpler, more affordable policies can provide meaningful coverage. Such policies can help pay for some of the care they could need tomorrow while fitting their budgets today.
    • In-force rate action announcements
  • John Hancock:
    • JH LTC Illustrator web version now available
      The new web version provides you with the ease of running illustrations without the need to download the software. You can access the web version by going to www.jhltc.com (login required) and clicking on the “Run a Quote” button, or under Producer Support > JH LTC Illustrator. The new streamlined design and enhanced user interface should be helpful in executing your long-term care insurance proposals. Please note: Ehansel/Hansel will be available until April 27 2015. However, the re-priced Custom Care III featuring Benefit Builder in New York will not be available on ehansel/hansel during this transition period and will only be available on JHLTC Illustrator.
    • Performance LTC is now available on LTC Captivate
      LTC Captivate now includes the Performance LTC product; allowing you and your clients the convenience of a total on-line application experience. Please note: the current Custom Care III featuring Benefit Builder product will be discontinued in the compact states on April 27, 2015; therefore all applications for current rates must be signed and submitted to John Hancock no later than April 27, 2015.
    • Fillable applications for Performance LTC now available
      To access the fillable applications for Performance LTC, visit www.jhltc.com (login required).
    • Learn about Performance LTC
      Performance LTC is John Hancock’s newest long term care insurance product. It offers the most competitively-priced premiums on the market today; along with flexible features and options that will give your clients greater control over their premiums and benefits. Click here for more details about this exciting new product, including where it’s approved for sale and marketing materials to support your sales efforts. Start spreading the word about Performance LTC! This customizable flier is a great way to raise awareness and generate sales interest about this groundbreaking product.
    • In-force rate action notifications for late April
      Later this month, policyholder notifications will begin on the next round of John Hancock and Fortis policies impacted by the 2010 and 2013 in-force rate actions; which will have an effective date beginning with anniversaries on or after July 1, 2015. Click here for details.
    • Custom Care III featuring Benefit Builder product brochure for CA revised
      The California CC III featuring Benefit Builder product brochure has been revised to remove the Valued Client discount as this benefit is not available in California. The new version (LTC-9500CA 3/15) is now available to order on www.jhltc.com.
    • eDocuments is expanding this month!
      eDocuments service is expanding to include electronic access to key post-issue policy documents; like rate action notifications and policy change confirmations. Click here for details.
  • Mutual of Omaha:
    • The Cost of Waiting
      No one knows what the future holds. It’s possible your client could receive a health diagnosis tomorrow that would make them ineligible for coverage. If your clients wait until their health fails, they may not be able to purchase a long-term care policy at any price. Paying the entire bill for long-term care services is the real cost of waiting.




  • AIG:
    • Triggers for critical illness insurance
      Many of the same events that trigger a life insurance need can also be triggers for critical illness insurance – getting married, having a baby, buying a house, etc. A critical illness diagnosis happens more often than you may think. Help prepare clients from the potentially high costs of care related to a critical illness diagnosis with CriticalCare Plus.





  • Mutual/United of Omaha:
    • Premium savings increases your value proposition
      Here is one more way to make yourself more valuable to your clients. Mutual of Omaha’s Disability Income Choice Portfolio offers your clients comprehensive income protection plans from a trusted company. When you can apply premium savings to your client’s DI policy, you’re making income protection more affordable and yourself more valuable to the client.




  • Mutual/United of Omaha:
    • Special Med Supp Cash for Apps in Ohio(March 1 – May 31, 2015)
      All Omaha Insurance Company Medicare supplement net-issued applications in Ohio from March 1, 2015 – May 31, 2015 will earn cash. Click here for complete details.
    • Rate adjustments
      View upcoming rate adjustments for ID, KS, LA, MD, MO, MN, MO, SD, TN, TX, UT and WA.




  • 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 1st and April 30thGet 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.
  • 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.
    • Special Med Supp Cash for Apps in Ohio  (March 1 – May 31, 2015)
      All Omaha Insurance Company Medicare supplement net-issued applications in Ohio from March 1, 2015 – May 31, 2015 will earn cash. 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.