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December 19, 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:

  • Lines of Business > Life > TMA Product Sales & Marketing Materials > TMA Sales & Marketing Tools:
  • Lines of Business > Life > TMA Product Sales & Marketing Materials > Webinar Presentations:





  • American General:
    • Introducing Extend IUL
      Announcing a new term conversion solution!  This new product accepts term conversions beyond the fifth year of term coverage. It replaces Elite Transition UL and offers three interest-crediting options in an index UL product. Review the product highlights.
    • Term compensation changes
      Adjusted base compensation changes will be made to term products issued by American General and US Life and will affect policies issued with policy effective dates on or after January 14th.
    • Underwriting Insights – One Stop Shop!
      Multiple tools and references all in one place.
    • Updated Visa Holders / Foreign Nationals information
  • ING:
  • MetLife:
  • North American:
  • Protective Life:
  • Prudential:
    • Index Advantage UL approved in NH
    • SUL Protector & UL Protector October 15 re-price approved in NH
    • State specific forms for NH & MD 
  • Symetra:
    • Take a fresh look at Symetra Classic UL
      If you haven’t illustrated or quoted Symetra Classic Universal Life Insurance lately, it may be time to take a fresh look. Symetra has introduced new illustration outputs for Classic that are sleek, easy to understand and consumer-friendly.
  • Transamerica:
    • Trendsetter LB (Living Benefits) now available in PA
      Trendsetter LB features Chronic, Critical and Terminal Illness Accelerated Death Benefits built into the product (subject to state availability). It also offers non-med underwriting options up to $249,999 and a choice of 10, 15, 20, 25 and 30-year level premium periods. A Monthly Disability Income Rider also is available on this product at an additional cost and upon state approval. View the information below for more details.
      Trendsetter LB State Availability
      Trendsetter LB Quick Facts Flyer
      Trendsetter LB Product Guide 
    • TransACE 2010 withdrawn in Guamdeadlines for pending cases
      All TransACE 2010 policies must be issued, paid and placed in-force no later than December 31st. The Policy Date can be no later than December 28th. The current product cannot be carried over into 2013. There are no exceptions to these rules. If a TransACE 2010 policy is not issued, paid and placed in-force by December 31st, the application will be closed.
  • United of Omaha:


  • United/Mutual of Omaha:
    • A bright idea for DI sales
      Are you looking for a competitive edge in the disability income market? The Association Marketing program can give your DI sales a boost and an open door to a continual supply of quality prospects and referrals.



  • 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: