TMA logoTMA _enews_top

February 26, 2014

  • Mutual/United of Omaha:
    • Anti-Money Laundering Trainingimportant reminder
      As required by federal regulation, producers writing permanent life or annuity products must complete the Anti-Money Laundering (AML) training.
  • Prudential:
    • Million Dollar Round Table Certifications
      The Million Dollar Round Table (MDRT) is an industry association of Financial Professionals. Eligibility into the annual MDRT membership application process may require a Certification of commission from the Carrier.
  • Genworth:
    • 360° LifeView Underwriting Guidelines – it’s not all about the labs and medical records
      To help you understand how to place more cases, the 360°LifeView Underwriting Guidelines feature:
      • Top 10 Sweet Spots
      • High-Touch Universal Life Insurance Model
      • 360°LifeView Credit Program
      • Underwriting Check List
  • ING:
    • UnderwritingSleep Apnea
      Healthy applicants with sleep apnea can go from Standard to Preferred.
  • Legal & General:
    • Women: still an underinsured market
      A working woman can protect her family from financial burden in the event she’s not there to share the bills. A woman newly married can make sure her husband can afford their 20 year mortgage. A stay-at-home-mom can apply for coverage equal to what’s already in force up to $1 million (and even more depending on spouse’s income). Learn more with this broker sales idea.
    • Ladder coverage with affordable term riders
      Clients are underinsured when their financial responsibilities are the greatest. Laddered coverage makes insurance affordable when a young family is most vulnerable. Learn more about how this laddering solution can provide appropriate coverage at an affordable rate with this simple sales idea. Also, watch this short video describing ladders coverage. You can show it to your clients – it’s consumer approved!
    • Check out the financial institution microsite
      Find all the information you need to do business with banks, wirehouses and other financial institutions. It’s a responsive site; try it on your smart phone, tablet or desktop.
  • Prudential:
    • Leveraging Giftingpresentation
      If your client’s hard work and careful planning have brought them financial rewards beyond what they need to live comfortably, lifetime gifting may make sense. Peruse this producer presentation to get started using Leveraged Gifting today.
    • 10 in 10 for PruLife Founders Plus UL
      To support your conversations around the new PruLife Founders Plus UL, leverage 10 marketing ideas in 10 minutes. Examples include living needs protection, term conversion, wealth transfers, and idle assets.
    • Expand Your Business with Women
      This Women’s Market eKit is available to help you increase your business opportunities with women and offer ways to discuss their life insurance needs. Key sections of this kit include a market introduction, an action plan, client conversation points, and sample materials.
  • Transamerica:
    • Living Benefitsvideos to help with your next sale
      Help clients to understand that severe illness can have a financial impact on their lives by sharing these Living Benefits video testimonials with them.
  • American General:
      • New monthly average index interest crediting strategy
      • Updated Lifetime Income Plus Guaranteed Living Benefit Rider
      • Contract information and commission statements available on eStation
        For any business received or issued on or after February 18th, you will be able to access pending contract information, in-force contract information and commission statements on eStation (http://estation.americangeneral.com). The eStation website will continue to provide access to product information, new business and post-issue forms, as well as hypothetical illustrations.
  • ING:
    • Rate Lock change
      ING recently announced a change from 45 days to 14 days on their rate lock hold period. After hearing feedback, they have extended the change of the rate lock hold period from February 10th until March 3rd. On March 3, 2014 the rate lock hold period will change from 45 days to 14 days. The 45 day rate lock hold will be honored for the rate change that is effective on February 12, 2014.
  • Lincoln National:
    • Lincoln Deferred Income Solutions (DIS) Annuity
      • Generate retirement income with less risk
        Income generation is the primary function of a Lincoln DIS Annuity – it’s not an add-on feature. So clients will generally receive more income, be exposed to less risk, and avoid extra costs that many common annuity strategies rely on through optional income riders. With the help of the materials below, you can design a plan for your income-driven client’s that guarantees them future income.
      • Lincoln DIS Annuity available in Mississippi – effective March 3rd
        Please note: the “Life Only” payment options are not available in this state. View the Product Availability Chart for other state availability.
    • Lincoln Long Term Care Fixed Annuity available in New Jersey – effective March 3rd
      Lincoln Long Term Care Fixed Annuity offers an innovative and tax-advantaged way to help manage the impact of long-term care expenses. This product combines the features of a traditional fixed annuity with coverage for long term care expenses.
    • Fixed Indexed Annuitiescomparing indexed account methodology
      When is 5% better than 6%? This Competitive Intelligence Update looks at the Performance Triggered Indexed Account compared to a 1-Year Point-to-Point with Cap Indexed Account.
  • John Hancock:
    • Quick reference guide for Custom Care III featuring Benefit Builder
      This is a quick guide to the benefits and features of Custom Care III featuring Benefit Builder.
    • Updated Kiplinger LTC workbooknow available
      This workbook is an educational piece for consumers developed by Kiplingers, designed to help people understand LTC and options for coverage and policy design.
    • Mandatory LTC Training now available via webinarreminder
      LTC continuing education vendor, LTC Connection, now offers the 4 hour LTC Partnership training via webinar (in select states). If you take this training via webinar, you do not need a proctor, and you don’t have to take an exam. Click here to see if you are eligible to take a webinar and to register.
    • Colorado 5 hour ongoing mandatory training available via webinarreminder
      Colorado requires that the 5 hour ongoing training be taken in a classroom venue. LTC Connection has received approval from the Colorado Department of Insurance to now offer this classroom training via webinar. Webinars are offered on a weekly basis, so there’s no more waiting for a class in your area or traveling to meet this requirement. There is no exam to take. Click here for LTC Connection’s Colorado LTC Training Webinar Schedule.
  • Mutual/United of Omaha:
    • Kiplinger DI video
      Watch the video Kiplinger’s Magazine created that focuses on the need for disability insurance.
    • Affordable Care Act Disclosures for Critical Illness in Nevada
      The state of Nevada will be including an Affordable Care Act disclosure in future Critical Illness Application Packets.
  • American National:
    • Cash is King 2014 (ENDS April 30th)
      Earn a CASH BONUS for annuity sales! Total of all fixed/ indexed annuities paid. Minimum of 3 applications.
      • $500,001 – $750,000 = $750 cash bonus
      • $750,001 – $1,000,000 = $1000 cash bonus
      • $1,000,000+ = $1500 cash bonus
  • Minnesota Life:
    • Earn an extra $700 (ENDS March 31st)
      Beginning January 1, 2014, through March 31, 2014, you have the opportunity to receive up to $700 in Visa gift cards for the business you place with Minnesota Life.