July 16, 2014

• AIG:
  • Summer Webinar Training
    Click here for the Life and A&H Webinar Schedule. Click here for the Annuity Webinar Schedule.
  • July 23^rd – Fixed Deferred Annuities
  • July 24^th – RetireStronger.com Overview – Add to Outlook Calendar
  • August 6^th – Index Annuities Product Enhancements
  • August 7th – Term Conversion – Add to Outlook Calendar
  • August 21^st – A&H: Critical Illness Insurance – Add to Outlook Calendar
  • August 27^th – The Good, The Bad and The Opportunities

• Athene:
  • July webinars
    Dial-in number: 855-594-0379
  • July 17^th at 10:00 AM CT – 2014 CARE Program
  • July 22^nd at 10:00 AM CT – Target Series FIAs
  • July 25^th at 10:00 AM CT – Come Grow With Us. Athene’s Company Story

• John Hancock:
  • MoneyGuard Visualizer Training
    Long-term care (LTC) can be a complicated subject. Now it doesn’t have to be. The Lincoln MoneyGuard® Visualizer helps to make the conversation easier and the answers clearer. Change the way you talk to your clients about long-term care with a tool that changes everything.
    • July 24^th – 2:30 PM ET
  • LTC Captivate training webinars
    As an online system that supports an entirely paperless sales & application process, LTC Captivate helps to eliminate the geographic and logistical hurdles that often exist in today’s busy world. As a result, it enables producers and their clients to conduct business in settings and time frames that better suit both of their needs. Register for a session now by clicking below:
  • July 25^th – 10:00 AM ET
  • July 25^th – 2:00 PM ET

• Minnesota Life:
  • 15-minute sales strategy teleconference – every Wednesday at 10:00 AM CT
    Dial-in Number: 1-800-910-2399 Passcode: 224032

• North American:
  • SimpleSubmit LIVE Demo
    A complete how-to session on the new electronic application, SimpleSubmit. (IMPORTANT NOTE: At this time, SimpleSubmit is only available for Managing General Agencies.)
  • July 16^th – 3:00 to 4:00 PM CT
  • North American’s Fast Track
    Get up-to-speed with North American’s latest features. This webinar will put you on the inside track to sales with the latest information on illustration software, and website features like videos and sales concept kits.
    • July 17^th – 10:00 to 11:00 AM CT
  • A Place to Call Home
    Looking for a carrier that can offer a broad portfolio to meet your diverse list of client needs, competitive compensation for you, and the support and training to help you succeed? Then North American is the place to call home for your business. Attend this webinar to learn more.
    • July 24^th – 10:00 to 11:00 AM CT

• Prudential:
  • Your clients and Alzheimer’s disease
    Join Prudential’s Dr. Bob Pokorski, Vice President and Medical Director, as he discusses the significant impact Alzheimer’s disease can have on financial capacity, the need for chronic illness care, and how the growing trend could impact your business. Mammen Verghis, Vice President, Solutions Marketing, will share life insurance solutions that can help your clients prepare financially for the possibility of Alzheimer’s disease.
  • July 22^nd – 2:00 PM ET
  • Prudential’s new Illustration System – Pru Life Illustrator (PLI)
    This is an encore webinar on Prudential’s New Illustration System – Pru Life Illustrator (PLI), which will replace Prudential’s current illustration system (ISP) on August 11th. This session is being offered for those who were unable to attend the June session. PLI provides a more intuitive user-friendly interface with features and sales concepts, such as Multi-Product Term Compare, Life is a Balancing Act (LIBA), Split Dollar-Private Loan Regime and a Summary Report.
  • July 23^rd – 3:00 PM ET
  • Product re-price webinars
    Click here for details.
  • August 11^th – 11:00 AM to 12:00 PM ET
  • August 11^th – 3:00 to 4:00 PM ET

• Perceived expense a barrier to working with an advisor
  Individuals under 50 years of age–27 percent of this group–are the least likely to work with a financial professional.
• 4 ways to “disturb” your clients
  Once you identify a prospect, you’ll need to wake them up. Here’s how.
• 5 things to know about children’s life insurance
  The case of Justin Ross Harris, who left his child to die in a hot car, has drawn attention to policies that families sometimes buy for children.
• Life insurance: who needs it?
  Who really needs life insurance anyway? That’s a great question many skeptical prospects ask. Here’s how to answer them.
• Planning for the long term
  Long-term care riders may make today’s life insurance policies even more valuable to your clients.
• The financial coach: Developing the right play
  A financial advisor’s knowledge of products, combined with their experience in approaching clients, can make all of the difference in their success.
• Good advisors are often good people first
  Is being kind to others at the top of your to-do list? If not, you may not realize how closely goodwill correlates with good sales.
• A 3-step plan for reaching the special needs community
  A client with special needs is in great need of financial guidance – and is an estate planning client, a retirement planning client and a long-term care client all in one.

• Athene:
  • Our Story – marketing piece

• ING:
  • Rebranding Information
  • ING U.S. Becomes Voya Financial in 2014
    ING U.S. is undertaking a multi-phase rebranding effort this year. Their goal is to make it a smooth and successful transition; and to keep you updated every step of the way. Here is the latest information regarding their rebranding timeline and plans. Also, view the presentation for rebranding highlights and a timeline of events.
  • Rebranding announcement post card
    This post card was sent to all ING Annuity account owners regarding ING’s rebranding to Voya Financial.

• MetLife:
  • Anti-Money Laundering (AML) – training update
    Meet MetLife’s requirements by taking AML courses through LIMRA.
  • Use eSERVICE to access your book of business

• AIG:
  • Elite Survivor Index II – help your clients with careful Estate Planning and Wealth Transfer options
    Elite Survivor Index II is a last survivor life insurance policy that pays death benefits upon the second death providing liquidity at a time when it is really needed. Be sure to view the consumer brochure, producer guide and product highlights.
  • Living Benefits Rider provides funds for chronic illness expenses
    Accelerated Access Solution (AAS) provides income tax-free access to death benefits while living if diagnosed with a chronic illness. This rider can help pay for virtually any expense, without any receipts required. AAS is available on Elite Index II policies. Also available on AG Secure Lifetime GUL II with or without the Lifestyle Income Solution.
  • Impress affluent clients, their attorneys and advisors
    Facilitate collaboration amongst your clients’ legal and tax counsel by providing sample documents like this CRAT as a professional courtesy.

• Genworth:
  • Signed illustrations
    Signed illustrations are required for Asset Builder Index UL, Foundation Builder Index UL, Total Living Coverage, Life Ready UL II, Life Ready UL II NY.

• ING:
  • High Net Worth Foreign National (HNWFN) – new 3-part presentations!
  • Part 1 Designed for agents and reps who work in, or would like to work in the High Net Worth Foreign National Market
  • Part 2 Outlines the importance of this market with focus on underwriting guidelines, jurisdiction classification and more
  • Part 3 Focuses on producer eligibility and solicitation guidelines
  • Orange Pass -non-medical underwriting with IUL-Protector – NEW!
    Now your clients can breeze through underwriting and fulfillment the orange way. Orange Pass is an innovative process using improved efficiencies to make your clients’ experience easier and help get them their policy faster.
  • No invasive tests or bloodwork for your clients
  • No paramed exams to eliminate delays
  • Fewer questions on application
  • Policies $500,000 or less could be issued in as little as 5 business days
  • View details and transition rules
  • Annual Premium Limitation removed on ING IUL-GDB – reminder
    You are now able to illustrate without premium limitations on ING IUL – GDB with ING Presents! The removal of this limitation opens the door to single pays, short pays, and 1035 exchanges that were previously unavailable.

• MetLife:
  • Enhanced underwriting to allow for better offers on four impairments
    Learn more about underwriting Anxiety, Atrial Fibrillation, Kidney Stones and Papillary Thyroid Carcinoma. In addition, if you have cases that are up to $1m of coverage and up to age 50 they could qualify for the Jet Issue program; which could result in 24-hr issued status!

• Mutual/United of Omaha:
  • Lower rates on TLA – reminder
  • Fit underwriting credit program – a win-win for you and your clients
  • A gift your child won’t outgrow
    Are your children or grandchildren protected? Build a secure financial future with life insurance.
  • The parent signature is no longer required in Florida on Children’s Whole Life
    When a grandparent purchases a Children’s Whole Life policy in the state of Florida for their grandchildren, the parent signature is no longer required on the application.

• North American:
  • Simplify the way you sign applications with SimpleSubmit! (IMPORTANT NOTE: At this time, SimpleSubmit is only available for Managing General Agencies.)
    SimpleSubmit gives you not one, not two, but three ways to sign an app!
  • Face-to-face sales – choose click-to-sign or finger signature on a tablet or iPad
  • Email e-signature for sales that aren’t face-to-face
  • Choose to wait and sign at paramed
  • Choose the option that works best for you and your clients!
  • Custom Guarantee Gen 8 UL applications for PA available on SimpleSubmit
  • Clients Overestimate the Price of Life Insurance
    Term Life Insurance is quickly becoming a favored product among financial planners. It’s simple and customizable, and not nearly as costly as some clients would assume. According to LIMRA’s 2014 Insurance Barometer Study, one-third of surveyed individuals between ages 18 – 34 said they needed more life insurance. Of that percentage, 63% guessed insurance was simply too expensive. Many in the study were asked to estimate the annual cost of a $250,000 level-term life insurance policy for a healthy 30-year-old. An average guess was $1,000 per year. The actual cost is $150. When talking to your clients about life insurance, be sure to find out their specific needs and make sure they aren’t overestimating the cost. For more ideas on how to talk about term life insurance to your clients in the 18 – 34 range, check out “8 Term Life Sales Ideas for Gen X & Y Prospects“.
  • Term rate schedules are now available online

• Prudential:
  • Product re-prices – effective August 11^th
    The following products will be re-priced on August 11^th:
  • PruLife UL Protector
  • PruLife SUL Protector
  • Term Essential
  • Term Elite
  • IRS Form 5498: The Path to a Productive Conversation
    Form 5498 is an annual document issued by a financial institution to report information about individual retirement accounts and other tax-preferred savings accounts. This Advanced Markets Insights & Ideas article explains how it can also assist in building your business.
  • Life Insurance in Split Dollar Scenarios
    Split-dollar occurs when the costs and benefits of a policy are shared among certain parties, typically between an employer and key employee within a business, and between a grantor and trust in estate planning scenarios. Learn how you can help position the Split Dollar concept.

• SBLI:
  • New bands and rates for Level Term Plans – reminder
  • Term renewals
    SBLI will begin paying you renewals on many of your agency’s term policies that renew next year, for apps received at SBLI July 1, 2014 and after! Here is a summary of the new schedule:
  • Term policies included for renewals are T20, T25, and T30 which have a face amount of $500,000 and larger
  • Amount payable is 2% for 5 years (years 2-6)
  • Term riders on whole life for the same duration and face amount as above are also included at 1% for 5 years (years 2-6)

• Transamerica:
  • TransNavigator IUL – NEW PRODUCT!
  • Product Guide
  • Quick Facts
  • Guide to Doing Business
  • State Availability
  • Illustrated Rate Consumer
  • TransNavigator Goal Tracker Consumer Flyer
  • Statement of Understanding
  • LTC Rider Producer Guide
  • Product Matrix
  • Underwriting Guide
  • Freedom Index Universal Life II and Freedom Global IUL II announcement – important
    With the release of TransNavigator, Transamerica is withdrawing the Freedom Index Universal Life II and Freedom Global IUL II products. Applications for these discontinued products must be signed and received in good order at the Home Office August 8, 2014. This date assumes the TransNavigator is available as of July 7, 2014. (Please note, if your state is not approved for TransNavigator yet, continue to sell the Freedom Index Universal Life II and Freedom Global IUL II.) To be considered a received application, the following conditions must be met:
  • The formal application with all fields completed and necessary forms required at time of application must be submitted with the application.
  • Signatures of all necessary parties.
  • Spanish policy forms required for Puerto Rico

• What you need to know about the cost of fixed annuities
  One of the most common objections to an annuity purchase is cost. Here’s how to explain these complex charges to your clients.
• How to frame annuities more attractively

• AIG:
  • Rate increases
    American Pathway Immediate Annuity and American Pathway Deferred Income Annuity rates will increase July 9, 2014. Need a quote? Run one at www.retirementraise.com.
  • Annuity illustration notification for Colorado & Rhode Island
    Due to regulatory changes, Illustration software capabilities for Traditional Fixed Deferred Annuities will be turned off in the states of Colorado and Rhode Island.

• Athene:
  • Athene practices Just-In-Time (JIT) appointing
    Just-in-Time (JIT) requires that contracting paperwork be accompanied by a new annuity application.

• Genworth:
  • Current annuity rates
  • SecureLiving Liberty – increasing July 16^th
  • SecureLiving Independence – increasing July 16^th
  • SecureLiving Rate Saver – increasing July 16^th
  • SecureLiving Income Provider – increased July 14^th

• ING:
  • 2013 NAIC Buyer’s Guide for Deferred Annuities for NJ
    Effective immediately, producers must provide New Jersey fixed annuity, indexed annuity, and variable annuity applicants with the 2013 version of the National Association of Insurance Commission’s (NAIC) Buyer’s Guide for Deferred Annuities – Fixed, Indexed & Variable.
  • New states launch RenewalFLEX feature
    The new ING RenewalFLEX Feature is available with an ING Secure Index Five Annuity or ING Secure Index Seven Annuity, which are issued by ING USA Annuity and Life Insurance Company.
  • Video presentations
  • Lifetime Income Annuity (5 Minutes, 27 seconds)
    ING Lifetime Income offers a simplified approach to guaranteed income, including boosts to the income benefit base of 150% in year 5 and 225% in year 10.
  • Return of Premium Rider (2 minutes, 58 seconds)
    In just three minutes, you can learn about one of the most sought after riders for today’s challenging economic environment.
  • Performance Trigger Strategy (5 minutes, 10 seconds)
    Diversify while you simplify. Fixed Indexed Annuities just got a whole lot easier with the Performance Trigger Strategy.
  • IncomeProtector Withdrawal Benefit Rider (7 minutes, 22 seconds)
    You insure your house, your car, your life, and even your flat screen television. Now you can insure your retirement income through an annuity with a lifetime withdrawal benefit.
  • Interest Rate Benchmark (4 minutes, 2 seconds)
    Worried about Rising Interest Rates? The Interest Rate Benchmark Strategy was designed to capture the upside potential of a rising interest rate environment. This optional benefit is available with a fixed index annuity from ING USA Annuity and Life Insurance Company.

• Lincoln National:
  • Linc Edge niches – learn what makes this rider stand out

• North American:
  • North American expands on types of Trusts accepted
    The following changes are effective immediately:
  • The trust grantor is no longer required to be the annuitant
  • Additional types of trust will be accepted, call Sales Support for details
  • A new Certification of Trust Agreement form is required for any application that includes a trust as owner OR beneficiary
  • Show clients the power of Income Pay with the new Income Multiplier (x2) feature

• Protective Life:
  • Grow Your Sales With Protective Indexed Annuity II – presentation
    Learn more about how the annual tiered rate interest crediting strategy available with the Protective Indexed Annuity II offers opportunity for higher yields than other fixed interest options.

• Genworth to try two-track LTCI design
  The company thinks some consumers need a policy that costs less than $100 per month.

• Genworth:
  • Privileged Choice Flex 3 launces on July 21^st – reminder
  • Notice regarding Privileged Choice products
    With the launch of Privileged Choice Flex 3, Genworth will no longer allow clients to purchase multiple individual Genworth LTCI policies. This applies to all currently available Flex products.
  • eValuate – new LTC field underwriting tool

• Mutual of Omaha:
  • MutualCare Solutions launching in Florida on July 18^th – reminder

• Transamerica:
  • LTC News
    In this issue:
  • Leading the Way in Innovative LTCi
    By making LTCi more accessible to the middle market, Transamerica LTC has expanded your potential client base and made waves in the marketplace.
  • Q3 Focus: Multi-life sales
    Discover the focus of our third-quarter feature articles on how to boost your sales with the growing business of worksite LTCi coverage.
  • Transamerica Ad Campaign Tees Off
    View the latest Team Transamerica ad campaign and see how they’re expanding their golf media presence.
  • TransCare III – LTC Cash Benefit with 0-Day Elimination Period – video

• Mutual/United of Omaha:
  • DI Calculator
    The DI Calculator is a useful tool in helping your clients assess their needs.

• 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.
  • LIR Dash for Cash (5/15/2014 – 8/15/2014)
    Apps submitted and paid between 5/15 and 8/15, earn cash for ASIA PLUS annuities sold with a Lifetime Income Rider!
    • Annuity Level: $500,001 – $750,000 = $750 Bonus
    • Annuity Level: $750,001 – $1,000,000 = $1000 Bonus
    • Annuity Level: $1,000,000+ = $1500 Bonus

• 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.

• Genworth:
  • 2015 Distribution Leaders Summit (1/1/2014 – 12/31/2014)
    Discover South Africa – April 15 – 24, 2015! Click here for details.

• Legal & General America:
  • Go Figure Contest (3/1/2014 – 12/31/2014)
    This agency incentive begins March 1st and runs through 2014, BUT the qualifications restart again on July 1^st, and then again on October 1^st. To win an iPad or Android Tablet, you need to focus on financial institutions! Click here for details.

• 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.
  • Triple Pay Program is Back! (3/1/2014 – 8/31/2014)
    Recruit new agents and earn $100 for each of your first three paid life insurance cases! Click here for details. View the video.
  • Sizzle Summer Sales Incentive on RetireChoice (5/19/2014 – 7/31/2014)
    Applies to applications received from May 19, 2014 to July 31, 2014. Transfers and 1035 Exchange premiums must be received by September 15, 2014.
    • Level 1
      Produce between $250,000 and $499,999 in NAC RetireChoice Issued Premium and choose between a $300 Omaha Steaks gift card -or-Maui Jim gift card
    • Level 2
      Produce between $500,000 and $999,999 in NAC RetireChoice Issued Premium and choose between a $750 PGA Superstore gift card -or- Apple gift card.
    • Level 3
      Produce $1,000,000+ in NAC RetireChoice Issued Premium and choose between a $2000 Travel Voucher -or- Cabela’s gift card.

• SBLI:
  • Cash for Cases 5-5-5 Bonus Program (6/21/2014 – 9/22/2014)
    For every 5 term or whole life policies with a premium of $500 or more, received between June 21 and September 22 and paid for by October 24, agents will earn a $500 bonus cash award. Selling 5 additional policies which meet these criteria will earn them another $500! If 5 or more of your agents qualify for the $500 bonus, then we will gift you an additional $500 for an agency lunch party. Click here for details.

• 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.
  • 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.