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December 12, 2012


The adoption of AG38 may cause Guaranteed Death Benefit UL prices to rise. It is reasonable to expect that some carriers will discontinue offering them. Stay up-to-date by visiting the AG38 rotator on the homepage of the TMA website or call TMA Life Sales & Marketing Support Desk at 877-862-8622.

This is a good time to encourage your brokers to speak with their convertible term clients. Buyers of convertible term are frequently cost conscious buyers. They bought the term, at least in part, on price and also for the guaranteed death benefit. Beginning in 2013, should they want to convert to a guaranteed death benefit UL product, they may pay much more – if the product is available. At the very least your brokers owe their clients a conversation and an offer to convert before AG38 causes changes to guaranteed death benefit ULs.

What does AG38 mean to producers & carriers? Are your brokers prepared for these changes and how can you capitalize on it to win more business?

AG38 & The Low Interest Rate Environment contains important information combined with TMA carrier bulletins regarding AG38 transition guidelines, re-pricing, 1st year premium limitations and additional information.

Our Important AG38 Carrier Summary highlights important transition dates and links to carrier bulletins.

Use both communications with your brokers to help them understand and take action regarding AG38.


Be sure to check the distributor homepage of our website for important news, upcoming events & TMA’s blog.


Recently updated:





  • American General:
    • Earn extra commission without selling!
      More than $1,000,000 in commissions have been generated through American General’s AD&D direct marketing efforts. Our distribution partners were able to earn additional new commission with NO marketing expense and NO additional sales activities. Don’t miss out! Validate by December 15, 2012, that you and your producers are coded to receive A&H commission.
    • New chargeback rules for term & UL business – effective January 1st  
  • Prudential:
  • North American:
  • United of Omaha:
    • JANUARY MADNESS! Submit your brackets for the tax tournament.
      With so many tax numbers up in the air, United of Omaha wanted to provide an interactive way for you to discuss the possible results and maybe win a prize too. No need to wait until March to fill in your brackets! You can predict the Congressional results and fill in your brackets as part of the tax JANUARY MADNESS!
  • Year End Deadlines
    • Minnesota Life year-end guidelinesfor business processing
    • North American year-end dates 
    • Protective Life year-end deadlines 
    • Prudential year-end deadlines 
    • SBLI year-end dates   
    • Symetra:
      In order for business to be issued and counted for 2012, it needs to be received by December 21st if commissions are paid weekly, or by December 28thif commissions are paid daily.   
    • Transamerica year-end deadlinesfor TransACE and TransTerm
    • United of Omaha:
      December 20th: All requirements received by end of day.
      December 21st: Cut off for policy to be placed in force  (Commissions run at 5pm)
      December 27th: Checks mailed
      December 28th: Direct Deposit  

  • American General:
    • Preserve a Premium, Save a Sale
      American General’s flexible Select-a-Term products allow you to offer a term duration customized to your client’s desired face amount and premium requirements. Sometimes, however, the quoted premium changes during the underwriting and issue process. Now you have a new tool that allows you to give your client an offer better aligned with the premium originally quoted, potentially preserving the premium.
  • Aviva:
  • Fidelity Life:
  • Genworth:
  • ING:
    • Incentive S.O.L.A.R. Insurance Arrangement
      This case study shows the employer repaying the policy loan as an incentive, increasing the policy value to the employee.
    • S.O.L.A.R. Insurance Arrangement funded by IRA distributions
      Clients troubled by the uncertainty of future income tax rates may consider taking distributions from an IRA today to pay premiums on an IUL-Global Choice policy for death benefit protection and a potential source of tax-free distributions in retirement.
    • Self Canceling Installment Note 
      Help business owners take advantage of today’s low interest rates with this strategy to transfer their business interest to the next generation while minimizing the potential impact of estate tax. Case study using IUL-Global provides protection for the seller, and, if not needed, potential supplemental income in retirement.
    • Playing your lucky number in the lottery doesn’t exactly count as a smart financial strategy
      Use this witty postcard or email available to reach out to your clients in light of recent events.
      Lottery Postcard
      Lottery Email  
  • Legal & General:
  • North American:
  • Prudential:
  • United of Omaha:
    • Periodic Client Reviews
      During a periodic review, you may discover that many of your clients have life insurance coverage that doesn’t meet their needs.
    • Case Study
      Check out this offer for a 54-year-old female who has diabetes and is overweight.
    • Non-Illustrated Universal Life Products
      Beginning with applications signed January 1, 2013 and later, a signed illustration will no longer be required to be submitted with GUL, GUL Express or GUL Survivor applications. Note: GUL Plus and AccumUL Plus will continue to be an illustrated form, subject to all current rules regarding signed illustrations.
    • Accidents happen – protect your client
      Guaranteed ADvantage Accidental Death Insurance covers your client in the case of death resulting from an accident. The application process is easy – no health questions or medical exams. Guaranteed ADvantage is guaranteed coverage so your client cannot be turned down.


  • United/Mutual of Omaha:
    • Business Overhead Expense as a lifeline
      Many small-business owners fail to understand how difficult it would be to stay operational if they were disabled and couldn’t work.  The Business Overhead Expense (BOE) product can help business owners protect their business and employees.



  • American General:  
  • American National: 
    • eApp iPad Contest (ENDS December 31, 2012)
      Receive a Free iPad when you submit 6 paid life policies through iGO e-App.  
    • 2013 Marketing Conference (ENDS December 31, 2012)
      The top 80 licensed representatives of American National who qualify in accordance with the official requirements are eligible for an invitation to attend the 2013 Marketing Conference in Palmilla, Los Cabos, Mexico May 19 – 23, 2013.   
  • John Hancock:
    • Benefit Builder Bonus(January 1 – June 30, 2013)
      By selling Custom Care III featuring Benefit Builder between January 1 and June 30, 2013, you can increase your earnings!
      Bonus Level 1 – $5,000-$17,499: 10% bonus
      Bonus Level 2 – $17,500-$34,999: 15% bonus
      Bonus Level 3 – $35,000-$2,000,000 – 20% bonus
      Details and program rules in the link above.   
  • Symetra: