Back to Top

• Thinking differently about cash accumulation products
  If you want to be relevant in this industry, you have to get people who don’t believe in life insurance to start believing in life insurance.
• Don’t let catastrophe ruin your financial life
  A new book on immediate annuities helps consumers have a safety net when catastrophes occur.
• What’s your money story?
  Open and effective money conversations will help prevent personal and family disasters.
• Turbo-charge your questions – part 2
  You can jump-start a relationship with prospects by asking the kinds of questions that will get them to open up to you.
• Loss of spouse engenders financial hardship for most widows
  Most widows report “significant life changes,” including financial hardship, following the death of a spouse.
• Charitable donation as cheap whole life insurance tax deduction
  More than 95 percent of American households give to charity and whole life insurance policies offer yet another way to pay it forward.
• Life insurance remains vital to financial security
  We need to do a better job of conveying the value of life insurance as part of a holistic financial strategy.

• AIG:
  • 2014 year-end Life processing dates
    American General’s 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. Timeline information is detailed in this bulletin.

• American National:
  • End of year procedures for annuity business
  • 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 31st 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:
  • Year-End bulletins
  • 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:
  • Year-End deadlines
    As year-end approaches, key submission deadlines for cases you are targeting for completion in 2014 are noted in this flyer.

• Legal & General America:
  • Year-end closing/cut-off dates

• Lincoln National:
  • GA Channel 2014 End of Year Commitment & Guidelines

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

• Minnesota Life:
  • 2014 Year-end guidelines for business processing

• Mutual/United of Omaha:
  • End-of-Year Pay Schedule

• North American:
  • Important year-end dates

• Protective Life:
  • 2014 Holiday Schedule and Year End Processing Guidelines

• Prudential:
  • Year-End Dates & Reminders
    As you prepare for year-end, use these helpful tips and reminders to make submitting Life cases easier.

• SBLI:
  • Year-end processing guidelines

• Symetra:
  • Deadlines for year-end business are approaching
    Final issue requirements for Life new business to be placed and counted in 2014 should be received by December 19th, if commissions are paid weekly, and December 26th, 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:
  • Year-End Dates
    View 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:
  • Year-End deadlines
    Be sure to send in requirements to have your new business placed and commissions paid in advance of these deadlines.

Back to Top

• Panel urges industry to innovate at NAILBA 33
  The panel at the opening general session for NAILBA 33 urged the industry to innovate and educate.
• The underwriting forecast for 2015: NAILBA 33
  Three panelists joined forces at the Risk Appraisal Forum, where they discussed the forecast of the underwriting industry.
• 8 great takeaways from NAILBA 33
  At NAILBA 33, speakers and attendees provided takeaways that advisors can use in their practice to better communicate with their clients.

• Genworth Financial:
  • Million Dollar Round Table (MDRT) certification begins January 9^th

• Legal & General America:
  • LGA now shares L&G Group Fitch ratings

• MetLife:
  • MetLife to pay $1.28 billion in policy dividends in 2015
  • Address change for retail life new business & underwriting
    New Business mail sent to Bloomfield, CT will be returned to the sender.

• North American:
  • Like North American on Facebook to get content to share with your clients
    Looking for client-friendly social media posts? Like the North American Company Facebook page and get access to shareable content – every day!

• SBLI:
  • Learn more about SBLI! Watch this video.

Back to Top

• AIG:
  • Training and materials to jump start life conversations
    Show clients an innovative way to use life insurance to protect their retirement assets with a new training program called Making the Sale. With this program, you can make the sale by accessing a step-by-step guide.

• Genworth Financial:
  • New life insurance applications & form enhancements

• Legal & General America:
  • GET MORE program
    Legal & General America now will offer increased coverage to proposed insureds who have been identified by the underwriter as eligible for the larger face amounts. This GET MORE upsell opportunity is one you won’t want to miss … especially since LGA makes it easy by giving you all the facts you’ll need to recommend the face amount increase. All it takes for your agency to opt into the GET MORE upsell program is a simple preference selection on www.LGAmerica.com.
  • QUOTES DONE RIGHT has gone mobile
    QUOTES DONE RIGHT now provides an enhanced quoting experience for consumers on smart phones.
  • Top ten reasons to sell Life Choice UL
  • Legal & General microsite library

• MetLife:
  • Whole Life Up Close
  • Now available on Android tablets
    Download the app now by visiting MetLife Investors with your Android Tablet.
  • Updated for the iPad and iPad Mini
    Visit MetLife Investors to download it now.
  • New Policy Change Application for life contracts
    Only form #EPC-6-02 will be accepted after December 31, 2014.

• Minnesota Life:
  • Individual life rate changes – effective January 1^st
    The new rates will be reflected on the websites and in the illustration system beginning January 1^st.
  • Dividend Interest Rates
  • Secure Accumulator Whole Life: current rate – 5.00% new rate – 5.25%
  • Secure Protector Whole Life: current rate – 4.75% new rate – 5.00%
  • Loan Interest Rate Charged
  • Variable Loan Rate on Indexed Products: Current rate – 4.25% new rate – 4.50%

• Mutual/United of Omaha:
  • Why sell Guaranteed Universal Life?
    Mutual’s GUL product offers extremely competitive lifetime guarantee premiums; and dial-down rates for ages 100 and 105 that are among the lowest in the industry. You will find that it is especially competitive for face amounts of $250,000 and above; and even more competitive when you take into account the Age Last Birthday pricing.
  • The Living Benefits of GUL
    GUL offers your clients protection and flexibility. View this sales idea to learn more about living benefits.
  • Accelerated Death Benefit Riders approved in New York
    Great news! New York has approved the Accelerated Death Benefit Riders for Chronic and Terminal Illness.

• Prudential Financial:
  • Founders Plus UL – microsite

• Transamerica:
  • Application and Disclosure Form Update for California
    The following application and disclosure form have been updated in California. The new application (APA400113TCA REV) replaces APA400113TCA for the Trendsetter Portfolio, TransACE and TransACE CV as well as Guaranteed Whole Life. The last day Transamerica will accept the current application (APA400113TCA) is January 30, 2015. The current disclosure form (ACC-DISC TL19 CHCR CA) for Trendsetter LB is now ACC-DISC LR02/03 CA. Please start using it now.
  • TransNavigator IUL Consumer and Product Guides
    Both the TransNavigator IUL Consumer and Product guides have been updated. The TransNavigator IUL Product Guide will help you understand IUL policy details, including Quick Facts, Account Options, and Tax-Free Loans and Withdrawals. The Consumer Guide will help clients better understand Index Universal Life. Please ensure that you have the most current versions of both — updated November 2014 (OL 3198 1114 and OL 3196 1114) — and that each client receives a copy of the Consumer Guide with their policy.

Back to Top

• Genworth Financial:
  • Total Living Coverage (TLC) product updates

• Lincoln National:
  • Lincoln MoneyGuard
  • Provide benefits even if your client never needs care
    Your clients receive:
  • More for their long-term care dollars
  • Tax-advantaged LTC benefits
  • An income tax-free death benefit
  • A choice of payment options
  • Premiums that never increase
  • Videos to share with your clients
  • This video clearly explains the personal history interview process.
  • This video shows your clients how to begin the claims filing process.

Back to Top

• Genworth Financial:
  • Introducing SecureLiving Growth+ with IncomeChoice Rider
  • Current annuity rate flyers

• North American:
  • Need help with illustrations?
    A product illustration can be a great sales tool with your clients. Here is a short how to video giving you quick tips on using North American’s illustration software.

Back to Top

• The current state of LTCI: NAILBA 33
  A healthy future will require insurance professionals to have an in-depth understanding of the products and the shifting regulatory environment.
• NAILBA 33: 5 funding options for LTCI
  With so many of the Sandwich Generation being hit, it’s imperative that the funding options are made clear to consumers.
• Turkey, stuffing and a side of long-term care
  An article on how family gatherings are excellent times to “have the talk.” Take a moment to see why.
• Preparing is caring: Long-term care does not have to be a crisis
  HHS estimates that nearly 70 percent of people over 65 will likely require some form of long-term care.

• John Hancock:
  • Why LTC Matters – solution

• Mutual of Omaha:
  • Six things you should do to spread the word about LTCi

Back to Top

Back to Top

• Mutual/United of Omaha:
  • Household Discount made easy
    See how much easier it is to qualify for a household discount in Arizona, Delaware, Indiana, Louisiana and Oregon.
  • Med SELECT Provider Directories
    The SELECT provider directories have been updated with additions in Mississippi, Tennessee and Texas.

Back to Top

• 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 1/1/2014 – 12/31/2014)
    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 (1/1/2014 – 12/31/2014)
    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 (10/1/2014 – 12/31/2014)
    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 (1/1/2014 – 12/31/2014)
    Discover South Africa – April 15 – 24, 2015! Click here for details.
  • The 2015 Masters Tournament – April 6-12, 2015 (8/1/2014 – 12/31/2014)
    Click here for official rules, award information and qualification details!

• Lincoln National:
  • Double Your Credit (7/1/2014 – 12/31/2014)
    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 (1/1/2014 – 12/31/2014)
  • 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 (4/1/2014 – 12/19/2014)
    • 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.