April 30, 2014

• Accordia Life:
  • Introducing Accordia Life Provider & Assure
    Learn about Accordia Life and get a sneak peek of two new Accordia Life products available for sale.
  • May 1^st – 11:00 AM ET
  • May 1^st – 4:00 PM ET
  • Introducing Accordia Life Credits
    Learn about Accordia Life and get a preview of the new Underwriting Program available on Accordia Life’s permanent Life products.
  • May 1^st – 3:00 PM ET

• American General:
  • Annuity & Accident & Health Training Webinar Series
  • May 28^th – 1:00 PM CT – Accident & Health
  • Life Insurance training
    • May 1^st – 2:00 PM ET – Winflex Illustration Tips and Tricks IUL Basics
    • May 15^th – 2:00 PM ET – AG Quick Ticket

• Genworth:
  • TrueView Underwriting – a step-by-step guide
    You’ll get help with pre-qualification and preparing your client for next steps, including the Paramedical exam and Cognitive Assessment.
  • April 30^th – 2:00 PM ET

• Minnesota Life:
  • 15-minute sales strategy teleconference – every Wednesday at 10:00 AM
    This 8-week 15-minute sales call series will include a webinar component to demo the illustration programs and run different scenarios to help you make the sale.
    Dial-in Number: 1-800-910-2399 Passcode: 224032
  • April 30^th – LifeCenter tips and tricks
  • BOLD Estate Planning
    • May 8^th – 1:00 PM CT

• North American:
  • Demystifying IUL
    Improve your knowledge of Indexed Universal Life (IUL).
    • April 30^th – 1:00 PM – 1:30 PM ET – Session 5: How to Sell
  • Estate Planning
    Learn how to help clients leverage life insurance death benefit proceeds to provide liquidity for paying off debt, replacing income, and planning for retirement. Life insurance can also help create an equitable inheritance between heirs, and even provide protection for businesses.
    • May 1^st – 10:-00 AM CT
  • North American’s Fast Track
    Get up-to-speed with North American’s latest features. This Webinar will put you on the inside track to sales with the latest information on illustration software, and Website features like videos and sales concept kits.
    • May 8^th -10:00 AM CT
  • A Place to Call Home
    Looking for a carrier that can offer a broad portfolio to meet your diverse list of client needs, competitive compensation for you, and the support and training to help you succeed? Then North American is the place to call home for your business. Attend this Webinar to learn more.
    • May 15^th – 10:00 AM CT

• 20 stats about selling to boomers – infographic
  How are advisors successfully selling to this unique market? Three hundred and fifty of your peers weighed in.
• If I could only get around to it
  For savers close to retirement who have no plan, the opportunity for advisors starts with relationship building.
• 5 secrets to successful asking
  If you want something, you’ve got to ask for it. Here are 5 tips to increase the chances your prospect will respond with “yes.”
• Make no mistake, emotion sells
  “Again, with feeling” goes the director’s plea. To make it big in sales, you’ve got to have passion for the solutions you provide.
• Life after death
  Delivering more than just a life insurance payout.

• May 2014 Holiday Telephone Solicitation Bans

• ING/Voya:
  • Voya Financial, Inc. (NYSE: VOYA), which is rebranding from ING U.S., announced its investor relations app for iPhone and iPad mobile devices
  • Voya Financial to Announce First Quarter 2014 Results on May 7
  • Carolyn M. Johnson Hired to Lead Voya Financial Annuities Business
  • PA Chapter 83 Life Insurance Disclosure requirements
    What is Chapter 83 and what is required?

• Mutual/United of Omaha:
  • Restrictions on Marijuana related businesses

• American General:
  • Select-a-Term
  • No more sticker shock on rated cases
    American Generals’ rated term pricing may surprise you. Their Table C and D premiums often beat premiums for lower table ratings among leading carriers.
  • New rates approved in Connecticut
  • Financial Impact on Loss of Primary Wage Earner – LIMRA study
  • Simplified Need Analysis in Policy Review
  • Running out of retirement money is a scary reality
    Help clients protect retirement assets from large, unexpected expenses by using living benefits. AG Asset Protector and Elite Index II provide access to funds from life insurance when clients need it. That’s life insurance you don’t have to die to use. More info at RetireStronger.com.

• Genworth:
  • Total Living Coverage (TLC)
  • The TLC advantage
    Linked benefits products are growing. By linking the benefits of life and long term care insurance, they can provide your clients with great flexibility, choice and leverage potential. If you’re thinking about a linked benefits product, consider Genworth’s TLC. TLC now offers higher credited interest rates, stronger guarantees and better protection than its leading competitors. That means more value for your clients.
  • The TLC Guaranteed Minimum Benefit Rider
    Learn more about how the built-in Guaranteed Minimum Benefit Rider (GMBR)* works and is triggered. Also fill in your personal worksheet comparing Genworth to the competition. (View the TLC GMBR fact sheet.)

• ING:
  • Underwriting private pilots
    Private pilots can still be cleared to land Preferred & Super Preferred rates. Find out how flexible ING can be.
  • Retirement Financial Defense – how life insurance may add to your clients’ retirement
    This new consumer brochure provides an overview of the many ways that cash value life insurance can help with clients’ retirement planning – providing a “financial defense” against both the expected and unexpected events that may occur.
  • Why Cash Value Life Insurance? – presentation
    Find out what four consumer pieces should be on the top of the “tool box” when talking to clients about life insurance – and, a great tip for opening the retirement planning discussion with clients.

• Legal & General America:
  • OPTerm rate transition ends April 30^th – reminder
  • Banner
    New Banner applications received through April 30, 2014 will be issued with the rates most favorable for the applicant. The new rates will apply to all new applications received May 1, 2014 and later.
  • William Penn:
  • Non-replacement business:
    New Penn applications received through April 30, 2014 will be issued with the rates most favorable for the applicant. The new rates will apply to all new applications received May 1, 2014 and later.
  • Replacement business:
    New Penn applications received through May 21, 2014 will be issued with the rates most favorable for the applicant. The Penn extension is to allow the broker additional time to meet compliance requirements for replacement Regulation 60. The new rates will apply to all new Penn applications received May 22, 2014 and later.
  • Permanent life insurance can stretch value or IRA’s for grandchildren – sales concept
    You might have clients who meet this description: They’re 70½ or older and financially in good shape. They don’t really need income from their IRAs. If they don’t take Required Minimum Distributions (RMDs) however, income tax penalties will kick in. They’d like to ultimately transfer their IRAs to their grandchildren and take advantage of exemptions from the generation skipping transfer tax. IRA distributions can be used to purchase permanent life insurance with grandchildren named as beneficiaries. When the IRA is transferred at death of the owner, the grandchildren can use the death benefit proceeds to pay any applicable taxes on the IRA transfer. This concept is called an IRA Stretch.
  • How can life insurance maximize retirement assets?
    Say your clients are among those lucky ones. They have more discretionary income than they need. They’ve already hit the annual maximums for all defined contribution plans (like 401k, 403b, 457, pensions, IRAs, 529, etc.). They’re looking forward to living long lives and want to make sure they have the funds to live comfortably. They’re also looking to defer taxes whenever possible and are asking for your advice. You might suggest that some of that excess income be used to purchase universal life insurance (preferably a plan with guaranteed death benefits and guaranteed cash values). When family members are named as beneficiaries of the life insurance policy, cash value growth in the policy is tax-deferred and death benefits protect the family from income lost at the client’s death.

• Lincoln National:
  • Treasury Index UL
  • Treasury Index UL – client approved video
    This is a great tool to help clients understand Lincoln’s Treasury Index Universal Life product; now available in all states except New York and Puerto Rico.
  • Term to TIUL Exchange Program
    Currently Lincoln is running a special term to TIUL exchange program for individuals who purchased term in the last three years from another carrier (that meets the guidelines) and received a preferred or preferred best underwriting offer. The Term to TIUL exchange is ideal to present to clients who may have purchased term from a carrier that has a non-competitive term conversion option or has bought term insurance from a carrier that has left the GUL market place.

• MetLife:
  • MetLife Solutions – now you can easily calculate tax equivalent yield
    Next time you want to calculate the tax equivalent yield on a whole life policy’s cash value or death benefit, ditch your calculator and use MetLife Solutions. The illustration system will automatically calculate tax equivalent yields based on the client’s tax bracket for any MetLife whole life policy. When selecting which reports to run, simply check the Internal Rate of Return (IRR) Report box. The calculations will be displayed with the Internal Rate of Return within the illustration report.

• Minnesota Life:
  • Advantage Elite Select transition Rules
  • Eclipse IUL is eating up the competition
  • Making your clients’ estate plans EPIC
    The definition of epic is “extending beyond the usual or ordinary, especially in size or scope.” Traditional estate planning has always centered on discussions such as:
    – What is current status of the estate tax?
    – What is the newest estate planning strategy?
    – Is it better to have a will or a revocable trust?
    While these discussions are significant, they sometimes miss the most important thing – your client’s hopes and dreams. Enter Estate Planning Individually Centered – EPIC. EPIC Estate Planning is the process of making your client’s estate plan to extend beyond traditional estate planning. EPIC estate planning starts with your client in the center of the estate plan with the important people in the client’s life around him. Three different levels encircle the client:
    – Spouse or significant other
    – Descendants
    – Community or charity
    The goal of EPIC is to have your client’s estate plan extend out in waves to the furthest levels your client desires. However, there are a number of wave-breakers that will impede, damper or completely constrain the impact of your client’s estate plan. These include: taxes, costs, creditors, divorce, long-term care costs, spendthrift children. The EPIC process reviews these wave-breakers and creates strategies that will lessen their impact or completely eliminate them.

• Mutual/United of Omaha:
  • The Fit Underwriting Credit Program has been improved!
  • Term Life Express eligible for Term Conversions – effective May 1^st
    Check out the liberal conversion opportunities that may benefit your clients.
  • Life & Annuity policy delivery receipt process – clarification
  • Guideline changes for the TIA/Conditional Receipt

• North American:
  • Grow your sales with the Legacy Building concept!
  • Recognize the client. Clients for this concept seek death benefit protection, are comfortable with their retirement assets, and want to give assets to loved ones.
  • Know the product. Look for a death benefit guarantee product. The death benefit guarantee ensures that the benefit will be available.
  • Understand the goal. Help your clients purchase the largest death benefit that an asset transfer can provide and which fits their needs.

• Prudential:
  • PruTerm One – NEW PRODUCT AVAILABLE MAY 1^st
  • An annually renewable, convertible term product
  • Designed specifically for clients with short-term needs
  • Available with a Standard initial rating class

• Symetra:
  • Classic UL w/Lapse Protection Benefit now available in California
    California recently approved the updated version of Symetra Classic with Lapse Protection Benefit. Please review the following overview of changes and business transition rules:
  • still the leader in premiums to fund guarantees for periods less than age 120
  • pricing to lifetime guarantee to age 120 has improved
  • elimination of restrictions on Single Pay scenarios
  • remain a top player in Target Premium
  • competitive “sweet spots” and continued top-ranked position in the GUL market
  • Business Transition Rules
  • April 21, 2014: The new version of Classic with Lapse Protection Benefit will be available for illustration on Winflex. The current version of Classic with Lapse Protection Benefit will remain available for illustration through May 23, 2014.
  • May 23, 2014: All formal applications must be received in good order at Symetra to receive the current rates. Only the new version of Classic with Lapse Protection Benefit will be available for illustration.

• Transamerica:
  • Trendsetter LB now available in Virginia
    Trendsetter LB gives clients early access to the policy face amount to help pay for bills should the insured become stricken with a qualifying chronic, critical or terminal illness – even if they have health insurance or Medicare coverage. Trendsetter LB features a choice of 10-, 15-, 20-, 25- and 30-year durations, non-medical underwriting up to $249,999, and a range of options and riders, including the Income Protection Option and the Monthly Disability Income Rider. View the materials below for more information.
  • Product Guide
  • Quick Facts
  • Consumer Flyer
  • TOP Toolkit
  • State availability
  • Underwriting Guide

• Lincoln National:
  • Are You Keeping up with Down Markets – sales idea
    A Lincoln fixed indexed annuity helps to provide your clients protection during down markets. Demonstrate the power of zero! A Lincoln fixed indexed annuity will never credit below zero; preserving your client’s retirement assets. Clients will never have to recover from a loss.

• Mutual/United of Omaha:
  • Fixed Annuities interest rates – for May

• North American:
  • Interest rates decreased – get the new rates
    Effective April 29, 2014, interest rates decreased on most North American annuities. Note: Look for state-specific rates for California, Ohio, Utah, and Texas on certain annuities.

• Protective:
  • Protective Indexed Annuity II – help your client’s battle low rates and volatility
    The innovative Annual Tiered Rate interest crediting strategy available with Protective Indexed Annuity II may lead to higher return opportunities while protecting your clients from market downturns. See how your clients may benefit.

• John Hancock:
  • Quick reference guide for Custom Care III featuring Benefit Builder
  • Adverse decision letters – update
    Adverse decision letters will now be mailed directly to the applicants with a copy to the agent. In addition, in cases where the LTC application has been declined or postponed, the applicable refund check will be returned directly to the applicant.

• Mutual of Omaha:
  • How the Buy-Up Option works – sales idea
    Use this LTC Sales Idea with your prospective clients.

• Disability insurance: Addressing the facts with clients
  Disability income insurance is touted as one of the most complex products to sell … but it doesn’t have to be.
• Corporate disability for the high-net-worth exec
  Now more than ever before, highly-compensated executives and managers are relying on their employers to provide access to the disability insurance they need to cover their personal financial exposure.

• Mutual/United of Omaha:
  • Business Overhead Expense – video testimonial
    Use this powerful DI video testimonial to increase your sales potential.

• American National:
  • Cash is King 2014 (ENDS TODAY)
    Earn a CASH BONUS for annuity sales! Total of all fixed/ indexed annuities paid. Minimum of 3 applications.
  • $500,001 – $750,000 = $750 cash bonus
  • $750,001 – $1,000,000 = $1000 cash bonus
  • $1,000,000+ = $1500 cash bonus
  • 2015 Marketing Conference (qualification period 1/1/2014 – 12/31/2014)
    You and your guest will enjoy five days and four nights at The Cove Atlantis, Paradise Island, Bahamas from May 17-21, 2015 if you are one of American National’s top 80 qualifiers.

• Genworth:
  • Index Universal Life incentive to Grow Your Business in 2014 (1/1/2014 – 6/30/2014)
    $100 producer incentive for each IUL policy received in the Genworth Home Office between January 1, 2014 and June 30, 2014 and placed no later than September 30, 2014.
  • 2015 Distribution Leaders Summit (1/1/2014 – 12/31/2014)
    Discover South Africa – April 15 – 24, 2015!

• Legal & General America:
  • Go Figure Contest (3/1/2014 – 12/31/2014)
    This agency incentive begins March 1st and runs through 2014, BUT the qualifications restart again on July 1^st, and then again on October 1^st. To win an iPad or Android Tablet, you need to focus on financial institutions!

• North American:
  • Elite Agent Bonus Program (1/1/2014 – 12/31/2014)
  • Click here for details on the Elite Silver Level Agent Bonus Program.
  • Click here for details on the Elite Gold Level Agent Bonus Program.
  • Triple Pay Program is Back! (3/1/2014 – 8/31/2014)
    Recruit new agents and earn $100 for each of your first three paid life insurance cases! View the video.