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IN THIS WEEKS NEWS: April 8, 2015





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

      • April 9th – Accelerated Access Solution
      • 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 8th – QLAC Overview
      • April 15th – SPIA and DIA
      • April 22nd – AP SolutionsMYG
      • April 29th – NAIC training for Power Series of Index
  • 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 8th at 2:30 PM CT – A Guide to Index Annuities: A Solution for Growth and Income
      • April 15th at 2:30 PM CT – A Look Inside Index Annuities – The Mechanics of How They Work
    • 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 9th at 1:00 PM CT – The Mechanics of Index Universal Life Insurance: A Closer Look Inside an Index UL Policy
  • Minnesota Life:
    • LIFT – Life Insurance as a Financial Tool
      Learn a new way to position life insurance as a financial tool for death benefit protection, cash accumulation and supplemental retirement savings.

    • 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:
    • NEW Volatility Control Index
      Learn how the newest enhancement to the Performance Choice fixed index annuity series is making waves in the industry.

    • 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
  • Transamerica:
    • Gift & Estate Tax Planning Webinar WATCH THE PLAYBACK!
      If you were unable to attend – or would like to rewatch – this webinar, you can view the playback now. Audio will play through your device’s speakers.









  • AIG:
    • Lead Generation ProgramJUST RELEASED!
      This new program provides a unique way for producers to get in front of clients in 20 minutes or less. It presents a unique angle on the value of Retirement Insurance – the protection clients never knew they always wanted. This program includes meeting/webinar invites, a scripted presentation and follow-up action items for you to engage and train your producers on. As a bonus, there is also a short and compelling consumer approved presentation.
    • Transactional email requirements
      Due to legal and compliance regulatory requirements, all agents actively appointed to sell American General Life products will begin receiving transactional emails related to product notices and changes, interest rates, commissions and other legal and compliance matters. View the complete bulletin.
  • Legal & General America:
  • North American:
    • Your social media content plans for April
      This month’s theme is about the rising cost of health care. The content is pre-approved by compliance and ready to copy/paste into your own social media pages. You can access the plans at any time on the Sales & Marketing/Social Media page at North American’s website (login required). The content plans will be visible to MGA-level log ins, and only the Client Audience content will be visible to agents. If you have any questions about these content plans, or about social selling and how North American can help you, e-mail hhanberry@sfgmembers.com. Take a look at the two plans now!

      • Agent Audience – this is for you, the MGA, and your staff to share on your agency’s company pages, or on individual profiles – wherever you have an agent audience!
      • Client Audience – this is content for your agents to use to interact with their client networks, to help them stay top of mind and be a valuable resource.
  • Symetra:
    • 1st quarter update
      Click here for the bulletin and sales idea.


  • Genworth Financial:
    • Asset Builder Index UL II enhancements
      Asset Builder Index UL II enhancements include:

      • More competitive distributions at lower illustrated rates
      • New Interest Credit Enhancement Endorsement automatically included
        • Rewards long term ownership of product
        • Allows your clients to receive an additional, conditionally guaranteed, interest credit
      • Lower fee structure in later policy years
      • Better liquidity with a 10-year surrender charge schedule
      • New shortened illustrations
  • Legal & General America:
    • Moving up in the Financial Institution Market
      LGA has started to gain approvals for the GET MORE program and have begun discussion on the Quotes Done Right producer platforms with institutions.  Get details.
    • Discontinued products reminder
      View the original bulletin.  The transition for Life Choice UL and Life Value Term ends April 10, 2015.  Download the updated transition rules.
    • AppAssist
      AppAssist shifts the administrative burden of term application fulfillment and case management from agencies and brokers to us – allowing you to concentrate on truly valuable activities – finding new clients and matching their needs with the right coverage.  When it comes to completing apps in good order, let the LGA team do the talking for you. The customer-friendly call center has all the answers to questions commonly asked during the application process.  You won’t find better service. Learn more with this AppAssist at-a-Glance.
  • Lincoln National:
    • Lincoln Leader for Life Insurance April 2nd edition
      In this issue:

      • CRL and ExamOne Labs to Client – reminder
      • Enhanced Customer Service for Term Policies in Grace
      • Electronic Inspection Reports – The Future Is Now! – reprint
      • Lincoln MoneyGuard prequalification changes – reprint
  • MetLife:
    • Prepare your eligible clients to speed through the tele-app process
      MetLife Enhanced Rate Plus could save you and your eligible clients weeks – as long as the process is followed. And the key to this process is the telephone interview. You can be sure your clients are in good hands when they speak to our experts for the interview. But before that happens, your clients need to be ready. The tele-app interview will take about 40 minutes and you can help ensure a smooth call with a little preparation. This includes:

      • Setting your client’s expectation for a time commitment.
      • Making sure your client knows and keeps their appointment time.
      • Reviewing the application with clients before the call so they know what to expect and the documents they should bring.
      • Ensuring they have proper documentation such as driver’s license, medical records, etc.
  • Mutual/United of Omaha:
    • Help your clients “FIT” into lower rates
      The FIT credit program lets your clients move up to two tables. Be sure to get the best rates for your clients.
    • Don’t forget about the great new TLA rates
      Term Life Answers’ new Preferred Plus, Preferred Nontobacco and Standard Nontobacco rates are the best rates we have ever offered.  Read more.
    • An alternative to Return-of-Premium Term Life
      If your clients like Term Life with an ROP option, they may like this even better – Guaranteed Universal Life with a Guaranteed Refund Option.
  • North American:
    • Custom Guarantee UL find the best premium rate for your clients!
      When compared to other guaranteed ULs, Custom Guarantee has the lowest level-pay guaranteed premium in certain rate classes. That means your client may get all the benefits of a guaranteed UL at a lower premium level.
  • Protective Life:
    • Don’t forgo higher compensation for another term carrier re-price
      Many traditional term policies include a policy fee that is deducted from premium amounts prior to calculating agent compensation. But with Protective Custom Choice UL, agents have the opportunity for higher compensation because any associated fees are not excluded from the compensation calculation.
    • The Latest News From Protective Life (BGA Newsletter) – March 31st edition
      In this issue:

      • From the desk of Dave Sheridan
      • 2016 Sales Convention
      • New Policy Delivery Acknowledgment Form
      • Conversion options for MONY/MLOA Acquisition
      • Underwriting Guideline changes
      • Protective Products Perform
      • 8 Things You Need to Know
      • Get Focused
      • “I Am Protective”
  • SBLI:
    • New resources to help grow your business
      Here are consumer marketing materials created to help you introduce SBLI and the many benefits of their whole life products.

      • SBLI At-A-Glance – A summary of SBLI’s history, financial strength, products and exceptional service.
      • Financial Strength – An overview of SBLI’s prudent investment approach and enduring financial strength.
      • Whole Life Advantages – An overview of the many benefits that SBLI Whole Life has to offer – flexibility, integrity and guarantees. Contact details can be personalized.
      • Dividend Integrity – A summary of SBLI’s dividend history and an explanation of how dividends can benefit the policyholder. Contact details can be personalized.
  • Transamerica:
    • TransNavigator IUL protection with growth potential
      TransNavigator is an index universal life (IUL) insurance policy that has the flexibility, features and tax advantages to help clients navigate today’s complex financial landscape. View the “Understanding Illustrated Rates” producer flyer.
    • Life Insurance with Living Benefits real life stories
      Severe illnesses impact families emotionally and financially. Help clients see the value of life insurance with living benefits. View the following consumer videos:

    • Trendsetter Super & Trendsetter LB offer newly adjusted premium rates
    • Foreign Nationals on LifeSales iPad AppNEW!
      Take this video tour to navigate the new section and learn three simple steps to working with Foreign Nationals.
    • Mitigating Risk for Non-U.S. Citizens
      Life insurance can help protect the financial future of clients if either is a foreign national with financial ties to the U.S. Read this article to learn more.
    • Life Insurance: A Legacy of Love
      When asked “Do you want to think about your death?” the answer is almost always no. But when the question is “Do you want to protect your loved ones?” we hear a resounding yes. Share this video message with clients.




  • Genworth Financial:
    • Total Living Coverage
      • Leverage underperforming money into valuable protection
        Do your clients have underperforming assets like CDs or money markets? That money likely won’t grow by very much, which could leave those clients unprepared for the future. Consider that at least 70% of people over 65 will need some form of long term care (LTC) during their lives. LTC can cost upwards of $80,000 per year. So, a three-year LTC event could have a significant impact on your clients’ savings. Tell them about Total Living Coverage (TLC)! This linked benefits life insurance product leverages underperforming money into valuable protection. It instantly provides your clients with approximately 2x their initial premium for a death benefit and almost 5.5x their initial premium for covered long term care benefits. In other words, TLC helps clients’ money work a whole lot harder. Learn more.  (If you sell in CA, CT, CL, HI or NY, click here.)




  • AIG:
    • Get to know the American Pathway SolutionsMYG
      This product offers long-term protection with a guaranteed interest rate period of five, six or seven years in New York, and from five to 10 years in most other states. American Pathway Solutions MYG is an ideal choice for long-term savers who can appreciate tax-deferred growth, protection from market volatility and guaranteed income for life with annuitization. View the current rates.
  • American National:
    • Stretch IRA Concept
      This Retirement Planning Distribution Strategy can help your clients guarantee their children will have something for retirement and create a legacy for their family long after they are gone.
    • Selling to Women: Stop Selling and Start Listening
      Women make up the largest national economy on earth. Women now make up one third of medical and PHD graduates, 40% of law students and 55% of university enrollment. When considering wealth accumulation, 47% of individuals with half a million dollars or more are women. Read more.
  • North American:
    • Competitive AdvantageNEW!
      This new Crediting Method and Index deliver’s stable, consistent performance. While many companies indices illustrate a “best case” performance scenario, North American aims for stable returns and transparency for your clients.
    • Product GuideNEW!
      Need a reference guide for North American’s fixed index annuity products? Download this user-friendly and comprehensive product guide built to give you easy access to key product information.  View rates and state availability.
    • See the Power of Indexing!
      Show your clients how indexing can work for them and provide peace of mind with this one page flyer!
    • Multi-Year Guarantee Annuity (MYGA) rate decrease effective April 8th
      Interest rates have decreased on North American’s Guarantee Choice and Guarantee Choice II MYGA’s; specifically the 5, 8, 9 and 10-year surrender charge periods.

      • New interest rates will apply to applications received in the Home Office on or after April 8, 2015.
      • To receive current interest rates, original applications must have been received in the Home Office on or before April 7, 2015.
  • Voya Financial:
    • Build wealth and income
      The new Voya Wealth Builder Plus Annuity has cap rates up to 6.25% and guaranteed lifetime income.
    • Use of 2013 NAIC Buyer’s Guide in TX & GA
      Insurance producers must provide the 2013 version of the National Association of Insurance Commissioners (NAIC) Buyer’s Guide for Deferred Annuities – Fixed, Indexed & Variable to applicants in Texas and Georgia. View the bulletin.





  • Genworth Financial:
  • John Hancock:
    • Life in Motion new approaches to maximize your sales
      View this video on Adapting to Change.
  • Mutual of Omaha:
    • Buy-Up Option
      Use the Buy-Up Option to protect your clients from inflation.
  • Transamerica:
    • LTC News April 2nd edition
      In this issue:

      • Transamerica Sponsors the Colorado Rapids
      • Red Room Makes a Splash at ILTCI Conference
      • New Comprehensive General Agency Agreement Packets





No bulletins to report this week.



  • Mutual/United of Omaha:
    • DI Student PlanNEW!
      Mutual of Omaha is targeting specific occupations in the professional student market for DI coverage.  Read more.
    • Good/Better/Best premium rate options available on Winflex
      A new alternative premium rate option has been added to WinFlex.


  • Mutual/United of Omaha:
    • Consumer Online Application is now available in Oregon
      View the announcement.
    • Rate adjustment for California effective July 1st
      Click here for the upcoming rate adjustments for both United World and United Med supp in California; in-force business only.


  • 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.
  • 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.