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• 10 things the insurance industry can learn from the Super Bowl XLIX ads
  Nationwide’s “dead kid” ad has opened up a can of worms, but was that what they intended? An expert weighs in.
• Why advisors are really death planners
  Death is an inevitable part of life. Have you spoken to your clients about planning for it?
• The ethical case for company-owned life insurance
  Critics have their issues, but for diligent advisors, company-owned life insurance can be a significant line of business.
• What about millennials who are starting families?
  Millennials are coming into their own. What are you doing to reach them?

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• Love is in the air with Insure Your Love month!
  The Insure Your Love campaign from Life Happens is here.  Create a free account with Life Happens and gain access to all the campaign materials!  Download agent resources, as well as pre-approved social media content from the Life Happens to use throughout the month of February. And be sure to share the Insure Your Love consumer website with your clients.
• 10 top trusts and estates trends for 2015
  Estate taxes, charity donations and divorce are just a few areas where legal moves in New York could shape other states’ laws.

• Lincoln National:
  • Premier Partners Symposium (March 2-4, 2015)
    Click here for details.

• Minnesota Life:
  • Insure Your Love materials
    Minnesota Life has partnered with Life Happens to promote the Insure Your Love campaign.  The campaign helps clients look at love and life insurance in a whole new way. Use the materials to get clients to start thinking about life insurance.
  • Advisor Overview
• Consumer Brochure

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• AIG:
  • AG Select-a-Term – NEW LOWER RATES!
    Don’t let your clients pay more than necessary for term life insurance protection. AG Select-a-Term allows them to buy just what they need at a market-leading price. That’s life insurance with Optionality.  Same low rates available in New York too!

• Genworth Financial:
  • GenGuard UL discontinued – effective February 16^th

• Lincoln National:
  • Lincoln Leader for Life – January 27^th edition
    In this issue:
  • Lincoln Wealth Preserve Survivorship IUL 2014 now available in NY
• Lincoln Term Life Elements 2014 introduced in NY
• Lincoln MoneyGuard II now available in FL

• MetLife:
  • Secure Flex UL – a product that emphasizes cash value!
  • Clients planning for retirement should take a New Look on Life
    Many clients are re-evaluating their priorities and how they prepare for the future. Use the New Look on Life website to help them understand how cash value life insurance can help provide supplemental income during their retirement.
• Digital Resources to make Life simpler in 2015
  Work smarter, not harder!  Use these 5 digital resources designed to help make your life simpler.
• Enhanced Rate Plus – a better life policy offer, faster!

• Mutual/United of Omaha:
  • Great new rates for Term Life Answers
    Term Life Answers now has leading “age last birthday” rates for Preferred Plus, Preferred Non-Tobacco and Standard Non-Tobacco classes.
  • Underwriting Requirements – updated
    On February 1, 2015, Mutual updated and improved their underwriting requirements.
• Help your clients “FIT” into even lower rates
  The FIT credit program lets your clients move up to two tables. Be sure to get the best rates for your clients.

• Protective Life:
  • Keep building better client solutions with the Choice Series
    The Choice Series of life insurance products can help you offer clients maximum protection and value – with the flexibility to meet their unique needs.  No matter what your clients may be looking for, remember that you can always help them build a better solution with the Choice Series.

• Prudential:
  • PRU offers Guaranteed Universal Life and other product solutions
    Given recent events in the marketplace, Prudential would like to remind you that they offer a broad array of products that make up a robust and diversified portfolio. They continue to take a financially responsible approach to managing and pricing their broad portfolio of products so they can offer the products that you and your clients seek; including PruLife Universal Protector and PruLife SUL Protector. In addition to their guaranteed ULs, they offer a number of other product solutions that are cost effective and offer a range of guarantees to help clients meet their needs and goals.

• Transamerica:
  • TransACE products withdrawn effective immediately – **IMPORTANT**
    Click here for the bulletin.
  • Trendsetter portfolio price adjustments – effective February 14^th
    Click here for details and transition rules.
• TransNavigator IUL Riders now available in CA
  The Children’s Benefit, Accidental Death Benefit, Disability Waiver of Monthly Deductions, and Disability Waiver of Premium Riders on TransNavigator index universal life (IUL) are now available in California. These Riders add additional flexibility and personalization options to the already versatile TransNavigator, a product that offers death benefit protection and a choice of domestic and/or global index account options. TransNavigator is built to compete in today’s market and also includes the Income Protection Option (IPO), an optional LTC Rider and “Plus” index accounts that offer a higher cap for an Index Account Monthly Charge of 0.08333% (1% annually).
• Quick Facts  
• Product Guide  
• Consumer Brochure  
• Guide to Doing Business   
• Discontinuation of Trendsetter Express 
  Effective February 14, 2015, Trendsetter Express will be discontinued. Applications for Trendsetter Express must be signed, dated and received in good order in Transamerica’s Home Office by February 13, 2015. A great alternative to Trendsetter Express is the term with living benefits product – Trendsetter LB. Trendsetter Express will continue to be available for sale in Massachusetts and Puerto Rico until further notice. Trendsetter LB is currently not available for sale in Massachusetts and Puerto Rico.

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• Boomer demand for annuities to stay high despite low rates
  Three-quarters of advisors say most clients want guaranteed retirement income, IRI report shows.
• How to sell an annuity – from A to Z
  A portfolio is only as good as the income it consistently generate, says one savvy annuity advisor.
• New structured annuities grab market share as banks jump in
  Is 2015 the year of the indexed annuity?

• American National:
  • Huge cap increase – 4.25% on 1-year participation
    Click here for details.
  • ASIA PLUS with improved Lifetime Income Riders
    Assume you have a 64 year old who wishes to purchase a $100,000 Indexed Annuity with a Fixed Lifetime Income Rider and he would like to begin receiving income at age 74.  How would the ASIA Plus Fixed Lifetime Income Rider annual income compare? 

• North American:
  • NAC IncomeChoice 10
    See 3 great reasons to sell it!

• Protective:
  • Protective Indexed Annuity is now available in NY
    Click here for a summary of the Protective Indexed Annuity NY’ which differs slightly from our countrywide Protective Indexed Annuity II.
  • Changes to Protective Indexed Annuity II
    Two modifications have been made to the Protective Indexed Annuity II. To help you offer a competitive fixed annuity solution to your customers, a limited market value adjustment (MVA) is being added and the calculation for annual penalty-free withdrawals is being modified.  View the agent letter (including transition rules) that was mailed to past producers of the Protective Indexed Annuity II.  Additional information about the Protective Indexed Annuity II changes:
• The MVA has been approved in AL, CO, HI, ID, KS, KY, MI, NE, SD, TN, WV and WI
• Indexed annuity MVA application packets for the above states are now available
• The Non-MVA indexed annuity product is/will be discontinued in states where the MVA is approved
• NAIC Annuity Training on the MVA is required – Course FIA-M2 with MVA can be completed quickly. Click here for instructions.
• https://learn.questce.com/naicsuitability
• As more states are approved, they will be released in groups in order to manage the number of updates to the field
• The Protective Indexed Annuity II without MVA will continue to be sold in states that have not yet approved the MVA

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• American National:
  • 2015 CASH IS KING for Fixed Annuities(January 1 – April 30, 2015)
    American National is paying a cash bonus for fixed annuities between January 1^st and April 30^th.  Get complete details.
  • 2016 Marketing Conference in Hawaii  (January 1 – December 31, 2015)
    The top 80 qualifiers and their guest will be invited to enjoy six days and five nights at Four Seasons Resort Hualalai in beautiful Kona, Hawaii.  Click here for complete details.
• Athene:
  • Leaders of Olympus  – new annuity incentive  (January 1, 2015 – December 31, 2015)
    Click here for details.

• Genworth Financial:
  • Producer Elite Program  (January 1, 2015 – December 31, 2015)
    The Producer Elite Program is a new, producer-focused tiered incentive compensation program for annuity production.  Click here for complete details.  Also, view the frequently asked questions.

• Mutual of Omaha:
  • LTCI Marketing Credits Program  (November 1, 2014 – December 31, 2015)
    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
• Mutual Sales Leaders in Rome!  (January 1 – December 31, 2015)
  Experience all that is Rome when you qualify for Mutual Sales Leaders in 2015!  Your Mutual of Omaha Medicare Supplement and Simplified Issue Life sales can take you to the Eternal City where you’ll enjoy centuries of iconic achievements in Roman art and architecture. It’s the trip of a lifetime!  Click here for complete details. 

• North American Company:
  • Elite Producer Club – annuity incentive  (January 1, 2015 – December 31, 2015)
    Earn up to 1% extra commission on all North American Fixed Index Annuities in 2015!  Click here for complete details. 

• Protective Life:
  • 1^st Quarter Sales Promotion   (January 15, 2015 – March 31, 2015)
    This new sales promotion will award qualifying agents $25 for life insurance business placed before March 31, 2015.  Click here for complete details. 

• Transamerica:
  • Leading Distributors Convention in Barcelona  (January 1, 2014 – December 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.