June 25, 2014

• Accordia Life:
  • Product Portfolio webinar
    • June 26^th – 2:00 PM CT
• AIG:
  • Summer Webinar Training
    Click here for the Life and A&H Webinar Schedule. Click here for the Annuity Webinar Schedule.
  • June 25^th – Index Annuities Illustration Training
  • July 9^th – Immediate and Deferred Income Annuities
  • July 10^th – Enhancements to Elite Index Survivor – Add to Outlook Calendar
  • 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

• Minnesota Life:
  • 15-minute sales strategy teleconference – every Wednesday at 10:00 AM CT
    Dial-in Number: 1-800-910-2399 Passcode: 224032
    • June 25^th – DBGA Restructure, Underwriting Changes, and Premium Restriction Limitation on 1035

• North American:
  • SimpleSubmit Demo & ADDvantage Term Highlights
    Register for this webinar for a how-to session on our North American’s electronic application, SimpleSubmit. Also, hear about the latest updates to the ADDvantage Term product. (IMPORTANT NOTE: At this time, SimpleSubmit is only available for Managing General Agencies.)
  • June 26^th – 10:00 AM CT

• Transamerica:
  • Virtual Index Product Clinic for Advisors
    • June 26^th – 4:15 PM ET

• 5 things senior clients wish their advisors knew
  If you’re selling to seniors, be savvy about your language and your selling style.
• The Youngest Baby Boomers Turn 50
  This massive generation is now on the cusp of retirement, which has implications for the entire country.
• The best vehicles for your clients’ road to retirement
  Because they’re older and already in retirement, one could argue those issues are more pressing for seniors than for boomers.

• Genworth:
  • Important compliance related reminders & updated Producer Compliance Manual

• ING:
  • Policy regarding Stranger-Owned Life Insurance (STOLI) – reminder
    ING will not accept applications for life insurance policies that are intended to be sold or in instances where there is a reasonable likelihood that the policy is intended to be sold to a third party.
  • Changes in the HIPAA Guidelines
    Recent changes in the HIPAA guidelines require that the applicant must complete the “Release Information to” section by writing in ReliaStar Life Insurance Company, ReliaStar Life Insurance Company of New York or Security Life of Denver Insurance Company. The “Attention to Privacy Official” section must include the address: 2000 21st Ave NW Minot, ND 58702.

• Legal & General America:
  • Straight talk about term premiums that will no longer be level – pilot program
    Legal & General America is taking steps to minimize the shock of receiving a bill for a big premium increase when the level premium period is about to expire. On June 13th, they began testing the results of a friendlier, more informative letter which explains the premium change and gives the policy owner options for continued coverage.
  • Go Green – use web preferences to turn off paper policy print
  • eDelivery – now available for William Penn
  • Web ads add visuals to linked marketing materials
    Looking for graphics to engage brokers who visit your website or read your newsletter? Download web ads from the OPTerm microsite.

• Mutual/United of Omaha:
  • Oregon license renewals
    Oregon producers cannot renew their license until their CE is in their transcript.

• North American:
  • New application form for all products – view the transition information

• Protective Life:
  • Compliance requirements for licensing, commissions and appointments
  • Dai-ichi Life to Acquire Protective Life

• Prudential:
  • The Other Estate Tax: A Reminder for Financial Planners
    For 2014 deaths, only estates of more than $5.34 million may owe tax, and married couples can exempt twice that amount. However, many estates that don’t owe federal tax will owe a separate state estate tax.

• Transamerica:
  • Use of third-party and starter checks for insurance policies – revised policies
    These revised policies are effective immediately.
  • Advertising by IMOs and FMOs in Kansas – reminder
  • Changes to International Underwriting Structure

• Accordia Life:
  • Just Desserts – Financial Perks of Turning 50

• AIG:
  • What happens when 401(k) or IRA plans don’t work as intended?
    It’s entirely possible that withdrawals from a client’s 401(k) or IRA plans will be subject to higher taxes in this new economy. If this is the case for your client, learn how to provide creative solutions with life insurance. To get started, check out the consumer-approved brochure as well as the producer training video.
  • More than a great price with Select-a-Term
    Learn how you can customize clients’ term policies with various competitive designs and riders. Visit www.aig.com/termlife for information on our low term rates.
  • Elite Survivor Index II provides affordable last survivor death benefits & more
    This universal life insurance provides unique survivorship coverage for a variety of needs plus the opportunity to build cash value that can be accessed in the future. View the consumer brochure, producer guide and product highlights.

• Genworth:
  • GUL vs IUL: The IUL Value Triangle – new IUL video

• ING:
  • Annual premium limitation removed from IUL-GDB
    The 5x target annual premium limitation on IUL-GDB has been removed. The removal of this limitation opens the door to single pays, short pays, and 1035 exchanges that were previously unavailable.
  • Top 12 advantages to ING underwriting

• Legal & General:
  • Life Step UL
  • Rate change for all states except NY – effective July 1^st
  • Illustration update
    For the rate change above,Illustration Manager Software v1.5 has been updated and is available for download from LGAmerica.com. Third party vendors such as Compulife, iPipeline, VitalQuote and WinFlex have been provided the new rates. The new rates should be available now or shortly, but LG suggests that you verify before quoting.

• Lincoln National:
  • Lincoln Leader for life insurance – publication

• MetLife:
  • MetLife has consolidated a few of their most popular flyers
    These refocused flyers pinpoint the advantages of the MetLife Promise Whole Life portfolio.
  • Sweet Spots Flyer
  • Competitive Flyer
  • How much do you know about Indexed Universal Life (IUL) products? – white papers
  • Two significant enhancements to the MetLife case design experience
    The newly created Executive Bonus and Split Dollar Request for Proposal (RFP) enables MetLife to quickly respond to your inquiries for advanced sales illustrations with these two critical executive planning strategies. The RFP’s will give the advisor an orderly form to quickly acquire the required information and significantly shorten the illustration to application process.
  • Two ways MetLife makes it easier for military members to get life insurance
  • Don’t have war restrictions or war-exclusion riders
  • Offer coverage even for those with orders to deploy to a war zone
  • Click here for more information

• Minnesota Life:
  • An easier 1035 confirmation of health process
    Minnesota Life will no longer require that the 1035 confirmation of health be signed by the client prior to the case being issued. They can now both be signed at delivery; putting the policy in-force at that time.
  • LIRP sales track – Taking steps to help your clients
    This new Life Insurance in Retirement Program sales track provides suggested steps your agents can take to show clients how life insurance may become a valuable asset in retirement. From education, prospecting and fact finding to strategy design and implementation, each step highlights the resources available to guide your agents through the sales process.

• Mutual/United of Omaha:
  • Invest in a childs’ future
    Start planning for a child’s future today by purchasing a properly funded life insurance policy
  • Term Life Answers is the answer to all your term life product needs
  • Fit Underwriting Case Study for Chrohn’s Disease

• North American:
  • Be one of ten to win a $100 gift card – see details in the incentives section below
  • Custom Guarantee – low cost guaranteed death benefit protection
    Download the Marketing Guide.

• Protective Life:
  • Don’t sell another term policy without considering these five facts! – video

• SBLI:
  • Cash for Cases 5-5-5 Bonus Program – see details in the incentives section below
  • New, attractive rates – effective July 1^st

• Transamerica:
  • Sales Concepts/Tools
  • Sell more by offering benefits for employers AND employees
    Studies show that top talent will leave their employers within three years. Create a higher value sale with business clients by sharing a way for them to keep key employees. View the Strategy Summary.
  • Foreign Nationals Connection – website
    This new web site is the hub for your Foreign Nationals business, offering sales ideas and resources to close cases.
  • International marriage and the U.S. Estate Tax
    Our latest whitepaper offers solutions to help international clients understand how their marriage is impacted by U.S. estate taxes.
  • Statistics tell the story – video
    The financial impact of catastrophic illnesses cannot be ignored. Help clients see the value of insurance.
  • Estate vs. Legacy Planning
    Legacy Planning can help clients develop a comprehensive financial strategy.
  • Chronic Illness and Waiver Riders discontinued in CA – effective June 20^th
    Applications must be signed, dated and received in good order by close of business on June 20, 2014. All policies must be issued no later than August 1, 2014. View the complete list of affected riders and products.

• AIG:
  • Power up your index annuity business with guaranteed rising income for up to 10 contract years
    The Power 7 Protector Plus Income Index Annuity with the Lifetime Income Plus guaranteed living benefit rider can provide clients with guaranteed rising income of up to 7% for the first 10 contract years. Clients can “keep the difference” with a partial income credit, when withdrawals are taken within the rider’s terms. Download the Rising Income While Taking Withdrawals sales idea.
  • 50-state Index Annuity product training requirement
    As of Monday, May 19, 2014, agents in all 50 states are required to complete the Product Training requirement. No action is required for agents who have already completed the product-specific training. Agents who have not yet dropped a ticket in 2014 and have not completed AIG’s index annuity product-specific training course should do so before submitting their first application.

• American National:
  • WealthQuest Citadel Diamond series
  • Citadel Seven Diamond
  • Citadel Five Diamond

• Genworth:
  • SecureLiving product changes
    • SecureLiving Index 5 and SecureLiving Index 7
    • SecureLiving Index 10 Plus

• Protective Life:
  • Protective no longer offers the life only pay-out option on their ProPayer Income (SPIA) – effective June 16^th

• Genworth:
  • Enhancement for LTC pending status on PR
  • LTC Multiple Solutions Workbook
  • Changes to Privileged Choice Flex 1 and Privileged Choice Flex 2 – effective July 21^st
    On July 21, 2014, the following changes will be made to Privileged Choice Flex 1 and Privileged Choice Flex 2:
    • Minimum issue age will be raised from 18 to 40
    • Genworth will no longer allow clients to purchase multiple Genworth individual long term care insurance policies
  • Privileged Choice Flex 3 launching in 42 states – effective July 21^st
    View the competitive snapshot.
  • Delaware becoming a Long Term Care Partnership state – effective July 21^st

• John Hancock:
  • Help your client prepare for the Paramedical Exam
    With the recent introduction of the new underwriting changes on May 19th, all clients (except in Hawaii, Florida, and New York) are required to undergo a paramedical exam as part of the LTC application process. This new consumer brochure has been developed to help your client prepare for the Paramedical exam.

• Mutual of Omaha:
  • LTC Sales Idea Booklet
    Our new LTC Sales Idea Booklet contains effective sales ideas to aid in growing your business.

• Transamerica:
  • LTC eApp FAQ
    LTC eApp makes selling LTCi easier. It’s a completely paperless system that will speed your agents through the Transamerica LTC application process. No more worrying about having the right application or carrying them to appointments. See the FAQ for MA, GA and IMO.

• Mutual/United of Omaha:
  • Kiplinger DI video
    This consumer approved DI video reinforces the importance of Disability coverage in an overall financial plan.

• 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.
  • 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

• Genworth:
  • Index Universal Life incentive to Grow Your Business in 2014 (1/1/2014 – 6/30/2014)
    $100 producer incentive for each IUL policy received in the Genworth Home Office between January 1, 2014 and June 30, 2014 and placed no later than September 30, 2014.
  • 2015 Distribution Leaders Summit (1/1/2014 – 12/31/2014)
    Discover South Africa – April 15 – 24, 2015!

• 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!

• 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! 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.
  • Be one of ten to win a $100 gift card –ends June 30^th
    North American wants to help grow your business. Along with offering a highly competitive product portfolio, that means tailoring our messaging to deliver information that’s relevant to you. Help us fill in the missing pieces, and you’ll be entered to win one of ten $100 gift cards. Hurry-the contest ends June 30! Click here to enter.

• 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.

• 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.
  • 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. View the producer flyer.