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IN THIS WEEKS NEWS: December 3, 2014

 
webinarsUPCOMING WEBINARS
 
  • Genworth:
    • Finding the Right Fit with FlexFit
      FlexFit Packages are long term care insurance solutions available with Privileged Choice Flex 3. The packages give you the flexibility to choose the right fit for your client, combined with the simplicity of prepackaged benefits. Register today to learn how you can grow your business with FlexFit Packages. If your client is interested in long term care insurance, but needs to stay within a certain budget amount, the FlexFit Premium Package has options starting less than $100 monthly. If your client is focused on protecting a certain amount of income or assets, the FlexFit Coverage Package has options starting at $100,000 of initial coverage.

    • Index UL 101 LIVE webinars
      These short sessions are packed-with-information to give you an introduction to Index UL, tips to starting the conversation and closing the sale, the confidence and know-how to serve your clientele and insightful sales tips to improve your sales volume immediately. Register here!

      • December 4th – 2:00 PM ET – Introduction to Index UL Insurance: A Flexible Soultion for Protection, Accumulation and Retirement Solution
      • December 11th – 2:00 PM ET – The Mechanics of Index Universal Life Insurance: A Closer Look Inside an Index UL Policy
      • December 18th – 2:00 PM ET – Retirement Income Strategies: Starting the Conversation and Addressing Objections to Help Close the Sale
      • January 8th -2:00 PM ET – Beyond the Death Benefit: Building Cash Value with Index UL Insurance
      • January 15th – 2:00 PM ET – Index UL Insurance Sales Concepts
  • Minnesota Life:
    • 15-minute sales strategy teleconference every Wednesday at 10:00 AM CT
      Dial-in Number: 1-800-910-2399 Passcode: 224032
    • PDA Agreement – Pay Once. Enjoy the Benefit

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salesSALES ARTICLES
 
yearendIMPORTANT YEAR-END DATES
 
  • 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 19th 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 19th cannot be guaranteed to be processed by year-end.
  • 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.
  • 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.
  • Prudential:
    • Year-End Dates & Reminders
      As you prepare for year-end, use these helpful tips and reminders to make submitting Life cases easier.
  • 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.
  • 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.

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carrierCARRIER & INDUSTRY
 
  • Legal & General America:
  • MetLife:
    • 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!

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lifeLIFE INSURANCE
 
  • 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.
  • 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.
  • MetLife:
    • Whole Life Up Close
      • Now available on Android tablets
        Download the app now by visiting MetLife Investors with your Android Tablet.
    • 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 1st
      The new rates will be reflected on the websites and in the illustration system beginning January 1st.
      • 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.
  • 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.

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comboCOMBO PRODUCTS
 
  • 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

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annuitiesANNUITIES
 
  • 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.

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

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disabilityDISABILITY & CRITICAL ILLNESS
 
No Disability bulletins this week.

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medsuppMEDICARE SUPPLEMENTS
 
  • 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.

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agentcontestsAGENT CONTESTS
 
  • 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.
  • 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
  • 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.