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July 31, 2013

  • American General:
      • August 8th – Quick Ticket: Quick Ticket Process Overview & Online Entry
      • August 22nd – Term Conversion: Rules, Guidelines & Available Products
  • Aviva:
      • TODAY, July 31st – Target Series Annuities
  • John Hancock:
    • Rate Action training webinars for producers with policies issued in AR Arkansas has asked John Hancock to hold rate action training webinars for producers with Arkansas-issued policies in order to better prepare them to support their policyholders affected by the rate increase. These webinars will provide an overview of the rate action, including affected policy series, customized landing spots and the communication process and timeline.  To register for a training webinar, click one of the links below:
  • MetLife:
  • Minnesota Life:
    • Weekly 15-minute sales strategy calls – every Wednesday at 10am CT Teleconference Number: 800-910-2399 Pass Code: 224032
    • TOMORROW, August 1stExit and Transition Planning
  • North American:
    • August 1stSecureChoice Webinar  (Click to register.) SecureChoice is a new Fixed Index Annuity with a guaranteed minimum death benefit that has a stacking roll-up credit. Password – Nac2013 Dial-in #: 877-937-0678  Pass Code: 1034218
  • 2013 Facts about Life Insurancefrom LIMRA
  • August 2013 holiday telephone solicitation bans
  • American General:
  • Genworth:
    • Download the Index Institute App now! The Index Institute is a learning resource for financial professionals and consumers to better understand index universal life insurance and fixed index annuity solutions.
  • North American:
    • New Business update North American is realigning their team to improve service for you.
    • Professional Designations update Check the revised list of approved, restricted, and prohibited designations.
  • Symetra:
    • New National Ad Campaign: Sports Illustrated Rising Stars…sponsored by Symetra The centerpiece of the promotion is a national media campaign recognizing emerging talents in amateur and professional sports.  In addition to the Rising Stars program, Symetra-branded advertisements will run in various SI properties and across the NBC Sports Network, including national ads during Notre Dame football broadcasts.
  • American General:
    • Enhanced Surrender Value Rider on Secure Survivor GUL This no cost rider allows your clients to surrender their policy during a 60-day window after the 15th policy year and receive all of their premiums back. 3 Conditions must be met: – Guarantee period on youngest insured must carry to age 100 – Guarantee premiums must be paid – Policy must be surrendered within 60 days after the end of the 15th year Check out the latest materials: – Secure Survivor PlaybookProducer FlyerConsumer Flyer
    • Lifetime Income Solution Rider on Secure Lifetime GUL This helps protect your client against outliving their retirement income by providing the option to receive an income stream by drawing down the guaranteed death benefit. In most instances, clients can receive their entire premium back (or more) over a 10 year period and still have a residual death benefit to leave to their family. Check out the latest materials: – Consumer VideoRider SpecificationsFAQs
    • Accident Choice Plus Offers clients dollar-for-dollar reimbursement, pays directly to clients (not medical providers) and doesn’t coordinate with other health care policies.
    • Quick Ticket Find out how you can get paid faster and reduce application errors with Quick Ticket. Simply complete a short application via Quick Ticket and let Exam One take it from there.
  • ING:
    • Learning Lessons from Her Family Maliz Beams got an early education on the importance of saving and she is applying that experience in her role as CEO of ING U.S. Retirement Solutions.
    • Juvenile insured risk class change For permanent policies issued to juvenile insureds, ING only permits a change to the insured’s risk class if rates for the requested risk class were available at the insured’s age on the policy date.
    • We The People Use this consumer-approved, non-product specific marketing piece to complement your sales efforts!
  • John Hancock:
  • MetLife:
    • Promise Whole Life Portfolio enhancementseffective September 3rd
  • Minnesota Life:
    • Guaranteed Minimum Crediting Rate and SVEA announcementeffective August 17th On August 17th, the minimum guaranteed crediting rates will be lowered on all newly issued indexed universal policies.  In addition, the Surrender Value Enhancement Agreement (SVEA) will be modified on newly issued fixed and indexed universal life policies.
    • How much life insurance is enough? Life insurance allows your clients to better prepare for the unknowns in life and replace lost income if something were to happen. Deciding how much life insurance is enough is a hard number to determine.  This client approved Human Life Value flyer is available to assist your clients in this process.
  • North American:
  • Protective:
  • Prudential:
    • UL Protector now offers BenefitAccess Rider – view the eKit Universal Protector has been enhanced with the BenefitAccess Rider: which provides Chronic and Terminal Illness Benefits! Please note: To request the BenefitAccess Rider, check the “Other Riders/Benefits” box within Part 1, Question 5 (Requested Optional Benefits) on the application, and write “BenefitAccess Rider” or “BAR” on the line provided.   The BenefitAccess Rider supplement must be completed for all paper applications when the BenefitAccess rider has been requested.
    • Underwriting Materialsupdated
    • Replacement regulations for CTrevised
      Effective immediately, the Connecticut state specific “Important Notice Regarding Replacement” (COMB 89216 Ed. 7/2013) must always be completed, no later than the time the application is taken, for all life insurance applicants who have indicated they have an existing individual life insurance policy or annuity contract in-force. If the client chooses not to have the notice read aloud, you must ask him or her to initial the statement at the bottom of the page that reads, “I do not want this notice read aloud to me.
  • SBLI:
  • United of Omaha:
    • Term Life conversion guidelines Help your term clients get the most out of their policies by reminding them of our liberal conversion opportunities.
  • Genworth:
  • John Hancock:
    • Launch of gender rates in AZ, DE, NJ, NV & SD – new date is August 19th As a result of the delayed delivery of a systems modification from a vendor, the launch of new gender-specific products in five states will now take place on August 19th.  All applications for Custom Care III featuring Benefit Builder in these five states for current rates must be signed no later than August 18th and received in the Home Office by August 26th.
    • Montana to remain on unisex pricing Montana does not allow for gender-distinct pricing due to state regulation. As a result, we will continue to price all new retail business in Montana on a unisex basis. However, effective August 19th, the couples/partner discount definition in Montana will change to reflect that couples must apply at the same time for the same policy form, be approved for coverage, and accept the individual LTC insurance policies (policy premium must be paid). The couples/partner discount rate of 30% shall remain the same.  Please note: Montana will also be made available on LTC Captivate on August 19th.
    • National Partnership launches in MO, OH & WVeffective August 19th
  • United/Mutual of Omaha:
    • Rate adjustments approved for IL & NC Additional states have approved the LTC04i, LTC04G and LTC06Ui rate adjustments. Take some time to review which states were approved.
  • MetLife:
    • Income Guard now available in CT, FL & NC Also, be aware that transition deadline of July 31st is fast approaching for the states that launched Income Guard on May 6th. MetLife Solutions no longer supports OMNI Advantage or Select in those states.  States that approved Income Guard on June 6th are not affected.  Click here to review the list of all states that currently have Income Guard available.
  • United/Mutual of Omaha:
  • American National:
    • Annuity Cash is King (June 1 – November 30, 2013) Receive a cash bonus for Strategy Indexed Annuity (ASIA) PLUS sales.
  • Aviva:
  • John Hancock LTC:
  • Lincoln Financial:
    • Flex-Pay MoneyGuard Incentive Programs (May 1 – December 31, 2013) Earn an extra 20 points on paid first year target premium AND double PAP credit on all Flex-Pay MoneyGuard cases placed between May 1st and December 31st. Learn more about this and the Double Your Credit incentive.
  • North American:
    • 1% Commission Blitz Bonus (EXTENDED: February 11 – September 30, 2013) Receive 1% Commission Blitz Bonus Special on all RetireChoice applications received between February 11th and September 30th.
    • Annuity Sales Sizzler (July 10 – August 30, 2013) Don’t miss out on these great specials!  Premium Bonus Increases 1% between July 10, 2013 and August 31, 2013 on specific annuities.
  • Transamerica:
    • Spring Bonus Program (April 1 – September 30, 2013) Transamerica is offering this limited-time incentive bonus program on TransACE and TransACE Survivor life insurance policies.