Weekly Newsletter August 28, 2013

August 28, 2013

• Genworth:
  • Let’s Talk
    The consumer-friendly Let’s Talk publication highlights the ways real-life people use life insurance to address common challenges. It encourages clients to think about how life insurance could fit into their lives, and reach out to you for help.
• Minnesota Life:
  • New client-approved video and e-mail
• North American:
  • Materials you need!
  • Customizable postcards here and here with the LIAM logo
  • A general information flyer, also customizable with your contact information
  • Videos about college funding, annuity maximization, and more on their Youtube Channel
  • PLUS: Don’t forget to download a LIAM Producer eKit with even more materials featuring Boomer Esiason, this year’s official LIAM spokesperson.
• United of Omaha:
  • Materials to help start the life insurance coversation
  • Client testimonial
  • Press release to use with local media
  • Presentation to help cover the LIAM opportunities

• The career threat you’ve never heard about
  You can overcome rejection and negativity. Here’s how.
• Endangered estate planning tools? At least we still have life insurance
  Several estate planning tools are being targeted by Congress, but simple life insurance might be the best choice for your client anyway.
• How the permanent estate tax will impact life insurance ownership
• 2 reasons to review your clients’ ILITs now
  Higher premiums and new estate tax laws may have changed your clients’ irrevocable life insurance trust needs.
• Life insurance’s global boom
  Life insurance sales are booming at some of the major carriers. And who they are selling to might surprise you.
• How technology is changing the way producers work
  Agents who don’t adopt the latest tech solutions risk putting themselves out of business.
• Prospecting 101: Top of the Table Producers Share What Works Best for Them

• Aviva:
  • TOMORROW, August 29^th – Target Series Annuities
• MetLife:
  • Life Insurance Portfolio Enhancements Update Webinars
    – TOMORROW, August 29^th – Click here to join.
    – September 4^th – Click here to join.
• Minnesota Life:
  • Weekly 15-minute sales strategy calls – every Wednesday at 10am CT
    Teleconference Number: 800-910-2399 Pass Code: 224032
    – TODAY, August 28^th – Learn more about term conversion opportunities
• North American:
  • Demystifying IUL Series
    Register here for any/all sessions.
  • Session 3: Compelling Features
    TOMORROW, August 29^th at 2pm CT
  • Session 4: Illustration Tips
    September 3^rd at 10am CT
    September 5^th at 2pm CT
  • Session 5: How to Sell
    September 10^th at 10am CT
    September 12^th at 2pm CT

• September 2013 Holiday Telephone Solicitation Bans
  On Monday, September 2^nd Alabama, Louisiana, Mississippi, Rhode Island, and Utah prohibit unsolicited marketing calls to residents in observance of Labor Day.
• American General:
  • Changes in Estate Tax Law – what you need to know
    Did you know that with the changes in estate tax law, many client’s estate plans will result in them paying more in state death taxes? Find out how to address this tax burden.
• Aviva:
  • YouSecure e-mail program – reminder
  • Anti-Money Laundering Q3 refresher course
• United of Omaha:
  • Your Wild Kingdom is celebrating 50 years! – phone app
    It’s a special year for Mutual of Omaha’s Wild Kingdom. For its 50^th birthday, they’ve developed some fun ways to celebrate. Download the phone app to your device and you can put yourself or friends and family right in the middle of the Wild Kingdom action.
  • Sales Professional Access (SPA) User Delegation Procedures
    Please take a few minutes to review the SPA User Delegation Procedures.
  • Changes to the Confidentiality and Privacy Amendment
    Please review the changes that will be made to the Confidentiality and Privacy Amendment, based on changes to the HIPAA privacy and security rules.

• AIG/American General:
  • Increased minimum face amount for tax transcripts on UL
• Aviva:
  • Lifetime Builder & innovative interest crediting strategies offer more options to your clients.
• ING:
  • Selling with the Accumulation & Protection Platform – new materials
  • Using Business Dollars to fund Retirement Extra Using Life Insurance or S.O.L.A.R. Insurance Arrangements
  • Using Select Loans to Help Reduce Out-of-Pocket Costs (for Retirement Extra Using Life Insurance)
  • Sales flyers to grow your A.P.P. combo sales
  • IUL-Protector Start Selling Flyer
  • UL-CV Start Selling Flyer
• Lincoln Financial:
  • MoneyGuard underwriting and new business process enhancement
• MetLife:
  • Getting the most out of a Promise Whole Life Select Policy – one-minute trainer
• North American:
  • Harness IUL’s high performance potential
• SBLI:
  • New whole life products & riders – COMING early September!
• United of Omaha:
  • Make the GUL Triple Threat work for you
    What makes United of Omaha’s Guaranteed Universal Life’s dial down a triple threat for you and your clients? First, you can dial down to align the product with a selected life expectancy so your clients can save money. Second, you still have the amazing GUL product guarantees. Third, your clients can enjoy even more savings with the Age Last Birthday advantage and by completing the Fit underwriting credit test.

• Can hybrid annuities solve the LTC insurance scarcity?
  Hybrid annuity products that combine the estate and income planning features of an annuity with the protection of long-term care insurance are becoming increasingly popular.
• Aviva:
  • TargetHorizon annuities now offer customers even higher income potential

• John Hancock to leave California partnership program
  The company will continue to sell a nonpartnership program product in the state.
• John Hancock:
  • Gender-distinct rates introduced in AZ, DE, NJ, NV & SD
    John Hancock has moved to gender-distinct rates on its individual LTC insurance policies, reflecting the male/female differences in the probability of benefits usage, effective August 19^th, in Arizona, Delaware, New Jersey, Nevada, and South Dakota. New applications, product brochures, and sales support materials for gender-distinct business in these five additional states are now available.
    Transition guidelines: All applications for Custom Care III featuring Benefit Builder in these five additional states for current rates that were signed by August 18^th must have been received in the home office by August 26^th.
  • California Partnership LTC product discontinued – effective September 16^th
  • Market Conduct Manual Appendix to John Hancock Selling Agreement – update
• United/Mutual of Omaha:
  • LTCi Rate Adjustment approved in HI
    Hawaii will have a rate adjustment on the following forms: LT50, NH50, HCA, NHA and LTA.

• United/Mutual of Omaha:
  • DI calculator – a helpful tool
    Don’t forget to use our helpful DI calculator the next time you talk with your clients about Disability Insurance.

• American National:
  • Annuity Cash is King (June 1 – November 30, 2013)
    Receive a cash bonus for Strategy Indexed Annuity (ASIA) PLUS sales.
• Aviva:
  • Commission/bonus for TargetHorizon sales! (ENDS September 30, 2013)
    All writing agents TargetHorizon 10 and TargetHorizon 10 Select applications received
    between May 1^st and September 30^th (and funded and issued by November 15^th), will qualify for 50 bps bonus.
• John Hancock LTC:
  • Sponsored Group 90 Days of Summer Sweepstakes (ENDS September 30, 2013)
    This is YOUR opportunity to grow your business AND enter for a chance to win one of two new iPads!
• Lincoln Financial:
  • Flex-Pay MoneyGuard Incentive Programs (May 1 – December 31, 2013)
    Earn an extra 20 points on paid first year target premium AND double PAP credit on all Flex-Pay MoneyGuard cases placed between May 1^st and December 31^st. Learn more about this and the Double Your Credit incentive.
• North American:
  • 1% Commission Blitz Bonus (ENDS September 30, 2013)
    Receive 1% Commission Blitz Bonus Special on all RetireChoice applications received between February 11^th and September 30^th.
  • Annuity Sales Sizzler (EXTENDED to September 30, 2013)
    Don’t miss out on these great specials!
  • The Great Escape (August 1 – October 31, 2013)
    Write IncomeChoice Fixed Index Annuity business with North American and earn travel rewards! The more IncomeChoice Fixed Index Annuity business you write, the farther you can go! Receive a travel reward along with concierge travel services.
• Transamerica:
  • Bonus Program (EXTENDED to December 31, 2013)
    Transamerica is offering this limited-time incentive bonus program on TransACE and TransACE Survivor life insurance policies.