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• Voya exec. stresses life insurance as a component of retirement security
  The industry must educate consumers about the product’s dual function in retirement security.
• Celent analyst offers window into future of insurance
  Winning in the insurance marketplace is about placing small bets consistently and placing enough of them.
• STOP Doing These Four Things…If You Want to Continue Selling Life Insurance
• Planning for the modern family: No longer a simple matter
  It’s important to recognize that every challenge modern advisors face brings new opportunities.
• A Life Lesson in Life Insurance: Grief, Debt and an Uncertain Future

• AIG:
  • These AIG year-end processing cut-off dates represent deadlines that must be met for cases to have the best chance of being put in force in 2014.

• American National Annuities:
  • Applications must be received in good order in the home office by 4:30 PM CT on December 19^th in order to guarantee processing for year-end.
  • Normal month-end rate lock procedures will apply. Applications must be signed and dated no later than December 31^st and received in the home office by January 6, 2015.
  • Applications received after 4:30 PM CT on December 19^th cannot be guaranteed to be processed by year-end.

• Genworth Financial:
  • December 5^th – Life New Business Deadline for 2014 Commission
  • December 12^th – Deadline for LTC New Business Requirements
  • December 19^th – Deadline for Annuity New Business Requirements
  • December 19^th – Deadline for TLC Delivery Requirements
  • Genworth’s 2014 Commission Year-End Pay Schedule
  • Commissions – 1099-MISC 2014 Tax Information

• John Hancock:
  • All requirements, including full modal premium, must be received in John Hancock’s New Business department by December 19^th to ensure completion of underwriting , issue and case payment by December 31^st.

• Legal & General America:
  • These LGA year-end closing dates explain the closing/cut-off dates for New Business processing, 1099 income reporting and General Agent Bonus.

• Lincoln National:
  • Here are the GA Channel 2014 End of Year Commitment & Guidelines for Underwriting and New Business.

• MetLife:
  • Here are the 2014 year-end life new business deadlines for Independent Agencies & National Accounts in order to meet the cut-off dates to place cases and credit them to 2014 business.

• Minnesota Life:
  • These Minnesota Life 2014 Year-end guidelines for business processing should be kept in mind to ensure that all your life business is processed in a timely manner.

• Mutual/United of Omaha:
  • This end-of-year schedule shows Mutual’s holiday closings and year-end cut-off dates.

• North American Company:
  • These North American year-end dates are to help you focus on getting your pending cases paid and delivered to finish out 2014 successfully.

• Protective Life:
  • Protective’s 2014 Holiday Schedule and Year End Processing Guidelines will help ensure a case is paid and producers receive their compensation and/or production credit for 2014.

• Prudential:
  • As you prepare for year-end, use these helpful tips and reminders to make submitting Prudential life cases easier.

• SBLI:
  • Here are SBLI’s 2014 year-end processing guidelines.

• Symetra:
  • Final issue requirements for Life new business to be placed and counted in 2014 should be received by December 19^th, if commissions are paid weekly, and December 26^th, if commissions are paid daily. If you are working toward contest and production bonus goals, we encourage you to submit applications through Symetra Express as soon as possible. Express will determine if premium can be collected from applications that qualify for temporary coverage or instant approval. Allow enough lead time on fully underwritten business for the applicant to complete the medical history interview and para-med exam. These take three weeks to complete, on average.

• Transamerica:
  • View Transamerica’s important 2014 year-end dates; as well as 2015 commission closing and statement mailing dates. For tips on New Business processing, click here.

• Voya Financial:
  • Be sure to send in requirements to have your 2014 new business placed and commissions paid in advance of these Voya year-end deadlines.

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• North American Company:
  • The North American Story
    You choose where to place your life insurance business, and you depend on that carrier to be there for the next chapter. Over the past few years, many carriers have changed their story-shifted focus, cobbled together new names, or lost the confidence of ratings agencies. If you’re tired of the shuffle, turn the page to North American Company. View this video to hear their story.

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• AIG:
  • Jump start more life insurance conversations with the right message
  • New retirement estimator for use with clients
    Talking about insurance with clients inevitably leads to talking about retirement. Speak smartly by using this free Social Security Retirement Income Estimator.
  • AG Asset Protector
    Watch this video and hear a successful producer’s message to clients purchasing AG Asset Protector.
  • Renewal and service fee changes
    AIG is introducing new renewal and service fee compensation for products issued January 1, 2015 and thereafter. You can find these rates on your individual renewal and excess schedule. To access your schedule visit AGL’s agent website and select “Agent Lookup” under the “L&C” tab.

• Genworth Financial:
  • Policy-owner notification for CT

• Legal & General America:
  • Opt-in for the GET MORE Upsell Program
    LGA is offering increased coverage to proposed insureds who have been identified by the underwriter as eligible for the larger face amounts. Opt in for your agency today! Log in at www.LGAmerica.com and select the Preferences navigation tab at the top of the page. Scroll down to find the question, and change your preference to “yes”. It’s that easy. If your agency does business with both Banner and William Penn, you’ll need to make this preference selection for each company. Click here to get a glimpse of the Preferences page.

• MetLife:
  • The value behind cash value – white paper
  • The exit planning pivot – sales solution
  • Business Succession – Cross Purchase Agreement – sales starter
  • The needs met by Secure Flex UL – video
  • The Business Continuation Retirement Partnership – sales solution
  • ePolicy Delivery now available to clients
    Clients with select whole life and term policies can receive documents through MetOnline/eSERVICE.
  • More clients can now pay policy premiums online
    One-time payments capability has been expanded to select Whole Life and Universal Life policy owners.

• Mutual/United of Omaha:
  • Guaranteed Universal Life – competitive for large lump sums, 1035s and single pays
    Many companies no longer offer GUL products or have significant restrictions on the first-year premiums. Clients who have a large lump sum may want to fully fund their policy to avoid future premium payment requirements. Mutual of Omaha continues to offer a guaranteed product solution, giving you a complete portfolio of products to meet your clients’ various needs. They have recently raised their first-year premium restriction. Only amounts over $2 million require home office approval. When you have clients with a large first-year premium, be sure to quote GUL and GUL Plus. Check out how they compare to a few competitors for a male, age 50 for their policy and age 49 for Mutual’s policy using age last birthday, preferred non-smoker, $1 million death benefit, single premium, using GUL Plus.
  • United of Omaha $206,995
  • Competitor A $214,540
  • Competitor B $225,314
  • Competitor C $261,013
  • The FIT credit program lets your clients move up to two tables
  • Provide flexible options for retirement
    With the Guaranteed Refund Option you can help your clients as they approach retirement.
  • Accelerated Death Benefit for Terminal & Chronic Illness Riders – clarification for New York

• North American Company:
  • Tips to make the most of North American’s illustration software
  • Is cheapest always best?
    Sometimes, other features like convertibility can have a big impact on your client’s future.
  • Smooth Sailing
    What’s the best way to get an application through underwriting? Try this strategy.

• Protective Life:
  • Advantage Choice UL – protection for the present, growth potential for the future
    Protective Advantage Choice UL helps clients get more from their insurance with a solution that offers:
  • Death benefit protection, most competitive between ages 90 – 105
  • Cash-value accumulation potential based on a fixed rate of interest
  • Optional endorsements and riders for maximum flexibility
  • 24-month rolling target premiums for competitive compensation

• Transamerica:
  • Use regular brokerage codes for TransNavigator IUL new business
    Effective immediately, agencies must include the same brokerage code on TransNavigator IUL new business that they use when submitting applications for Trendsetter and TransACE. Using the code that was obtained specifically for the Freedom or Freedom Global IUL products will lead to significant delays in processing.

• Voya Financial:
  • New Chronic Illness Rider – provides a helping hand when it’s needed

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• Calculating the real cost of income annuities
  As the market for single premium immediate and deferred income annuities heats up, a calculation you can use to compare competing products and estimate embedded costs is called the Money’s Worth Ratio.
• Genworth offers lifetime income annuity
  Genworth is following in the footsteps of MetLife and Fidelity in introducing new annuity products.

• American National:
  • Palladium Single Premium Immediate Annuity – 7.64% cash flow
  • ASIA PLUS Lifetime Income Rider – sales idea
  • Value Lock 10
    Value Lock 10 is an indexed annuity with NO CAP on the amount of interest that can be credited to the contract.
  • 100% Participation Rate – guaranteed at issue for full indexing term
  • 2% Premium Enhancement
  • Lock in interest earnings anytime
  • Full Annuity Value at Death of owner
  • 10 Year Surrender Schedule

• Genworth Financial:
  • SecureLiving Fixed Annuities application enhancements
  • New Disclosure & Comparison form for FL
  • SecureLiving Growth+ with IncomeChoice
    SecureLiving Growth+ with IncomeChoice gives your clients renewal protection to help safeguard their growth potential and the opportunity for increasing lifetime income. Now you can offer your clients:
  • 50% interest credit enhancement during deferral
  • Choice of level or rising income
  • Patent-pending 2-year Trigger Strategy
  • Innovative bailout renewal protection
  • Enhanced withdrawal limit for confinement
  • Income anytime, on your client’s schedule
  • View the current annuity rate flyers

• Lincoln National:
  • Rate increase for December & Flex Pay option on DIA contracts
    Take a look at Lincoln’s niches below:
  • Income Edge Niches:
  • Can add post issue on the anniversary dates
  • Payments can start after 30 days
  • Competitive Income & Payout Factors
  • Nursing Home benefit at 10% for life, even with a Zero account balance, as long as the client is still in a nursing home
  • Deferred Income Annuity:
  • Flex Pay option
  • Can add a cost of living benefit between 1-4%
  • Period certain payout options, change of start date, and payment accelerator
  • To round out our niches, take a look at the LTC Annuity and traditional SPIA. The SPIA has competitive rates and an amendatory endorsement has been filed to make it Medicaid Friendly.

• North American Company:
  • IRA Rollover Rule update for 2015
  • Competition Corner – giving you the edge
  • MYGA Interest Rate Special – EXTENDED TO December 31^st

• Voya Financial:
  • Monthly Average Index Strategy
    The VOYA Monthly Average Index (MAI) has proven to be a competitive positioning tool for clients wanting market participation with no pre-set limits as to what their upside potential can be. The MAI Strategy can alleviate some of the impacts of negative market timing during volatile time periods in the S&P 500 due to the performance being based off an average of the twelve months where the sample size is larger versus simply measuring the S&P value twice, at the beginning and the end of the twelve month crediting period, as is done in an annual point-to-point cap.
  • Fixed Annuities interest rates and features – effective December 10^th
  • Voya Wealth Builder Series Annuities with Caps up to 6% – NEW!
    Build your business and client wealth with the new Voya Wealth Builder series of annuities. An industry leading rate built for accumulation and optimal growth potential. View the Wealth Builder Product Specific Training.
  • Illustrations are now at your fingertips
    You can now run Voya illustrations from your iPad or Android tablet. This new tool equips you with fresh and fast delivery of illustrations when and where you meet with clients. Click here to access Voya’s new web-based illustrations and get rates that are always current – no software updates required.
  • Adoption of the 2010 NAIC Suitability in NH
    Effective January 1, 2015 New Hampshire will amend its’ suitability requirements to substantially adopt the 2010 changes to the NAIC Suitability in Annuity Transactions Model regulation.

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• 8 ways LTCI issuers handle border crossings
  What happens if a policyholder retires outside the United States? AALTCI wondered.

• Mutual of Omaha:
  • MutualCare Solutions Product and Underwriting Guide – revised

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• Mutual/United of Omaha:
  • Why sell DI
    Help your clients understand the basics of disability income insurance.

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• Mutual/United of Omaha:
  • 2015 marketing materials for Wisconsin
  • United Plan N 2015 rate adjustment for Virginia – effective February 1^st
  • Part D Renewal Commissions – reminder
    Certification must be completed by December 31, 2014.

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• AIG:
  • AIG Better Ride Contest (8/1/2014 – 1/31/2015)
    Now is your chance to rev it up, get in gear, and gain some traction! Producers will receive points based upon the sale of our permanent products, and additional points for selling AG Asset Protector on Secure Lifetime (AAS Rider & LIS Rider), and the AAS Rider on Elite Index II. For every 5 points a producer earns they will get a raffle ticket towards the drawing of a 2 year lease on a BMW 528i. Get complete details.

• American National:
  • 2015 Marketing Conference (qualification period ENDS DECEMBER 31^st)
    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. Click here for details.

• Athene:
  • Top Producers Dublin 2015 (ENDS DECEMBER 31^st)
    Produce $3.5 Million or more (received during the qualification period of January 1, 2014 – December 31, 2014) with Aviva or Athene products and then get ready to pack your bags for Ireland. Click here for details.
  • Take the Athene Benefit 10 Challenge (ENDS DECEMBER 31^st)
    Where will Athene Benefit 10 take you? Introducing an incentive with flexibility – the Athene Benefit 10 Challenge – where winners create their own custom travel experience! Learn how to qualify here.

• Genworth:
  • 2015 Distribution Leaders Summit (ENDS DECEMBER 31^st)
    Discover South Africa – April 15 – 24, 2015! Click here for details.
  • The 2015 Masters Tournament – April 6-12, 2015 (ENDS DECEMBER 31^st)
    Click here for official rules, award information and qualification details!

• Lincoln National:
  • Double Your Credit (ENDS DECEMBER 31^st)
    Help your clients prepare for the future and earn double PAP credit on all Lincoln MoneyGuard Solutions cases placed in force between July 1 and December 31, 2014. Click here for complete details.

• Mutual of Omaha:
  • LTCI Marketing Credits Program
    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

• North American:
  • Elite Agent Bonus Program (ENDS DECEMBER 31^st)
  • Click here for details on the Elite Silver Level Agent Bonus Program.
  • Click here for details on the Elite Gold Level Agent Bonus Program.

• Transamerica:
  • Break Away and Travel with Transamerica (ENDS DECEMBER 19^th)
    • Agents who place $25,000 of premium (minimum 3 TLIC life applications) will earn a 3-day vacation package valued up to $1,400 for yourself and a guest.
    • Agents who place $75,000 of premium (minimum 5 TLIC life applications) will earn a 5-day vacation package valued up to $5,000 for yourself and up to 3 guests.
    • Click here for complete details.
    • Long Term Care production can help you win the above trip!
      Long Term Care production is included towards qualifying! View the Break Away travel site for complete details.
    • Break Away and Hit the Links!
      By qualifying for a three-day Break Away prize package, you could find yourself teeing off under the blue skies of Palm Springs, California or enjoying the sea breeze on Amelia Island, Florida. Sell more, go farther! By qualifying for the second level Break Away prize package you can take your pick from the world famous courses of Pebble Beach, Pinehurst, and six TPC courses including Sawgrass and Scottsdale! All golf packages are for one person.
  • Leading Distributors Convention in Barcelona (1/1/2014 – 12/31/2015)
    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. View the producer flyer.