 UPCOMING WEBINARS |
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- Understanding Index Illustrations
- Generating Income for the Income Generation
- ML Strategic Balanced Index
- Social Security Savvy
- Essentials of Fixed Income Annuities
- Asset Builder Index UL II – now with more competitive tax free distributions – REPLAY
Click here to register and listen to the webinar.
- Index Annuity 101 LIVE webinars
To attend any of the sessions below, you must pre-register. A confirmation link to join will be emailed to you. Pre-register here.
- May 27th at 2:30 PM CT – Understanding and Addressing 4 Key Risks to Retirement
- June 3rd at 2:30 PM CT – A Guide to Index Annuities: A Solution for Growth & Income
- Index UL 101 LIVE webinars
These short sessions are packed-with-information to give you an introduction to Index UL, tips to starting the conversation and closing the sale, the confidence and know-how to serve your clientele and insightful sales tips to improve your sales volume immediately. Register here!
- May 28th at 1:00 PM CT – Beyond the Death Benefit: Building Cash Value with IUL
- June 4th at 1:00 PM CT – Index UL Insurance Sales Concepts
- June 11th at 1:00 PM CT – Introduction to Index UL Insurance: A Flexible Solution for Protection, Accumulation and Retirement Solution
- Life Insurance Live with Bobby Samuelson
Learn about MetLife’s NEW Premier Accumulator UL.
- Ignite Annuity Confidence
Learn how to create the annuity SPARK with prospects through Annuity Confidence. The featured topic is: Annuity Myths and Objections
- Rapid Builder IUL 3
Introducing the Rapid Builder Indexed Universal Life Insurance. Discover the new enhancements, improvements and new commission options.
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SALES ARTICLES
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CARRIER & INDUSTRY
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- LGA is now on Pinterest!
LGA has created a variety of consumer-approved micro content and infographics (great for sharing on social media). You can download these marketing pieces and use them as part of your digital marketing. Check out their Pinterest page now.
- Never used Pinterest before? Create an account for free.You can upload, save, sort, and manage images-known as pins-and other media content (like videos and images) through collections known as pinboards. Think of Pinterest as a personalized media platform.You can browse the content of others to find content that you like. Users can then save individual pins to one of their own boards using the “Pin It” button, with Pinboards typically organized by a central topic or theme.
- Re-use their Content
Or if you want to save one of our pins to your computer, just click on it, then click “Image,” and right-click to “save image”. You can use any of these graphics on your social media pages, newsletters, websites, etc.
- Changes to check guidelines – effective June 5th
Effective June 5, 2015, commissions paid by check must reach a minimum of $500 before a check will be issued. Once the minimum is met, checks will be issued on a bi-weekly basis. As always, if the commission amount accumulated is still less than $500 at the one-year mark, a check will be issued. With this in mind, it might be time to consider Electronic Funds Transfer (EFT). With EFT, there is no minimum commission requirement, and commissions can be paid as often as weekly per agent request.
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LIFE INSURANCE
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- GUL customers offered option to extend coverage at NO ADDITIONAL COST!
Get details.
- New approaches to selling an accelerated living benefits rider on Value+ IUL
Two new sales concepts showcase the power of matching upside potential and downside protection via the Value+ IUL with a chronic illness accelerated benefits rider: Accelerated Access Solution (AAS). (View this infographic, the FAQ’s, and the top reasons to sell.) When paired together, this provides clients with a suite of options for lifelong security through living benefits access to cash and more.
- Cost effective approach to chronic illness protection
- Make it easy on yourself
AG Quick Ticket and Exam One work together to simplify the application and paramedical exam process for you and your client. Check out the Quick Reference Guide and provide your client with a Preparation Guide today.
- A hybrid IUL product at a market-leading price
With premiums as much as 10% below most GUL policies, Value+ IUL provides strong, dependable protection, performs well at a low interest rate, and offers a guaranteed persistency bonus. Plus it offers innovative features to access surplus cash value without reducing the initial death benefit.
- Asset Builder Index UL II
Financial professionals today are faced with clients who have competing financial priorities; including ensuring they have enough life insurance coverage and trying to grow their retirement. You are in a position to help your clients plan for a more secure financial future.Asset Builder Index UL II offers a variety of enhancements that can culminate in more competitive distributions at lower illustrated rates, making this an attractive option for clients.
- LTC Rider approved in CA – effective June 1st
The LTC rider on the Foundation and Asset Builder IUL’s will be available for sale in California beginning June 1, 2015. While the capability of quoting the rider in CA won’t be available until then, you may have some potential cases. Feel free to run the quote in a neighboring state as the costs will be the same.
- OPTerm rate change transition end
View details.
- OPTerm’s new child rider
- This promotional flyer can be shared with your brokers and personalized with your contact information.
- Improved underwriting guidelines
Visit the underwriting microsite for the new guide.
- Reinsurance: An Essential Partnership
“That underwriting department is just looking for ways to turn away business. ” “If this case goes to reinsurance, they’ll find a reason to say no.” Whichever objection a producer chooses to go with, neither could be farther from the truth. Read more.
- Do your clients have a retirement income strategy?
While most clients have spent countless years preparing FOR retirement, most have not given nearly as much thought and effort into how to BE retired. Learn how to better equip your clients for retirement with this flyer.
- Premier Accumulator Universal Life (PAUL)
This new product can help solve clients’ protection and liquidity needs by providing:
- A death benefit that can be paid income- and estate-tax free
- Access to high early cash value, which grows tax-deferred with performance not directly affected by market fluctuations
- The potential for tax-free distributions, which can be taken at any age once cash value accumulates
- With MetLife Enhanced Rate Plus, qualifying PAUL applicants have the opportunity to boost their rating class from standard to preferred or elite in less than week – with no paramedical exams or lab work required!
- FIT Credit Program
The FIT Credit Program lets your clients move up to two tables. Be sure to get the best rates for your clients.
- The Living Benefits of GUL
The primary reason your clients purchase life insurance is to protect their loved ones in case the unexpected happens. What many don’t realize is that a life insurance policy can also provide benefits while they are still alive. GUL and GUL Plus come with multiple living benefits, including the Guaranteed Refund Option rider, at no additional charge. These features provide your clients with flexibility for whatever their future holds.
- New policyholder view available on SPA
You now have access to information regarding your in-force policies on Sales Professional Access (SPA). You can search for your in-force policies by First Initial/Last Name, Last 4 of SSN/Tax ID or Policy Number. You will be able to view all policies under your individual clients and important information about each policy including status of the policy, premium, premium paid to date, cash value, and loan information. This Policyholder View is located on the SPA Home Page for quick and easy access.
- An enhanced Term Life Express experience
There’s even more to like about TLE these days. They’ve simplified the application packet and eliminated the oral fluid requirement for all applicants, regardless of face amount. And, there’s more.
- Quotes made easyGet premium quotes on the go with the new mobile app for iOS and Android smart phones. Now you have the ability to quote premiums for available products while connected and disconnected to the Internet. Download the quote app by using these links:
- Small Business Support Program
From prospecting in this lucrative and under-served market to developing clients, Mutual of Omaha has a comprehensive Small Business Support Program for you.
- Great new rates – effective June 1st
SBLI is pleased to announce new, low term rates on June 1, 2015. The rates will be particularly strong among higher face amounts and older, pre-retirement ages. View the transition rules.
- Trendsetter LB available in Puerto Rico – effective June 20th
Get details and materials.
- Trendsetter Express discontinued in Puerto Rico – effective June 20th
With the upcoming release of Trendsetter LB in Puerto Rico, Trendsetter Express will be discontinued as of June 20, 2015. Applications for Trendsetter Express must be received in good order in Transamerica’s home office by June 19, 2015. Paper applications for Trendsetter Express received after June 19, 2015 will default to Trendsetter LB and will be flagged at submit to verify a new plan, which will be subject to further review by New Business.
- Why Spreadsheeting is Dead! – video
Are you looking to grow your business in the hottest market? Spreadsheeting isn’t the answer.Watch this video to hear Transamerica’s John Oliver discuss why spreadsheeting is dead and how to sell smart to grow your sales.
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COMBO PRODUCTS
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ANNUITIES
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- June is National Annuity Awareness Month!
Did you know that almost 2/3 of pre-retirees surveyed feel they are behind schedule when it comes to planning and saving for retirement? National Annuity Awareness Month is the perfect time to tell your clients how the power of annuities can strengthen their retirement plans and help them prepare for the unpredictable. Genworth’s suite of four risk materials will help you show customers how fixed index annuities can help offset:
- Losing money due to market volatility
- Possibility of outliving their savings
- Inflation’s impact on their purchasing power
- Potential bond fund losses should interest rates rise
- Illustrating the SecureLiving Growth+ Income Choice Rider
New this month on Winflex web and Winflex desktop, you can choose to illustrate for clients either RMDs or free withdrawals (for non-qualified contracts) prior to beginning income withdrawals. Visit the Index institute illustration page to see how to run an illustration.
- Explaining an “Income Doubler” to Clients
When working with clients to create a plan for their retirement, making sure they have access to money if something unexpected happens is important. Help clients understand how SecureLiving Growth+ with Income Choice rider gives them the ability to access more income when they need it most. Click here to access a customizable, consumer point of sale tool to explain how the enhanced withdrawal benefit on Growth+ with Income Choice can double their annual withdrawal limit after they begin income withdrawals if they become confined to a medical care facility.
- Lincoln Leader for Fixed Annuities – May 15th edition
View it now!
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LONG TERM CARE
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- In-force rate action notifications for June
In late June, the next round of policyholder notifications will begin on John Hancock and Fortis policies impacted by the 2010 and 2013 Inforce rate actions, which will have an effective date beginning with anniversaries on or after September 1, 2015. Click here for complete details, including information about specific rate increase implementation handling in Missouri.
- The 2013 rate action notifications will include John Hancock LTCI individual policies originally issued in Alabama, Idaho, Iowa, Mississippi, Missouri, North Carolina, Texas and Utah. Also, implementation will continue in Connecticut and begin notifications for additional products in that state. Fortis LTCI individual policies originally issued in Connecticut and Missouri are also impacted.
- The 2010 rate action will include John Hancock LTCI individual policies originally issued in Arizona and Iowa.
- Performance LTC Seller’s Guide
The new Performance LTC Seller’s Guide is now available. The guide highlights the many advantages that Performance LTC has to offer your clients. It is available to download by visiting jhltc.com and will be available in print in the coming weeks.
- Performance LTC trade advertising campaign
John Hancock is promoting Performance LTC over the coming months with both print and digital advertising. Print ads will be running in such popular trade publications as Broker World, Financial Advisor, and National Underwriter this month, as well as in July, August, October, and November. Our digital ads will appear in Insurance Newsnet and Life Health Pro later this year. Click here for a sample of the print advertisement.
- Performance LTC recruiting flier
John Hancock’s new Performance LTC product may well represent the future of LTC insurance. You can help promote it and generate interest with a new customizable recruiting flier.
- LTC post issue eDocuments
John Hancock Long-Term Care is excited to announce the expansion of eDocuments – their popular eDelivery service – to include electronic access to key post issue policy documents! With this expansion, they have also discontinued producer mailings of the post issue documents that are now available through the eDocuments service. Refer to this Frequently Asked Questions flyer to learn more.
- LTCi Delivery Receipt – reminder
This is a reminder that in order to comply with the majority of states’ regulations, the delivery of a Long-Term Care policy must take place within 30 days of issue. The Policy Delivery Receipt must be signed and dated by the insured immediately. Leave one signed copy of the receipt with the insured, and return the other signed copy to Mutual of Omaha. It is important that delivery receipts for all Long-Term Care policies are returned to Mutual of Omaha.
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CRITICAL ILLNESS
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- Don’t miss your opportunity for an extra sale
Many of the same life events that trigger a need for life insurance can also be triggers for critical illness insurance: getting married, having a baby and buying a house. Remember to always discuss CriticalCare Plus.
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DISABILITY
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- Need support during Disability Insurance Awareness Month?
Learn more about the DI sales process.
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MEDICARE SUPPLEMENTS
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- 12% Household Discount for NH & WY – effective June 1st
View the bulletin.
- Rate adjustments
View the upcoming rate adjustments for new and in-force business for Mutual MO and United NJ; in-force only for Mutual ME; and Plan N for United NC and United World PA.
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BROKER/AGENT INCENTIVES
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- 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.
- 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.
- 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.
- Special Med Supp Cash for Apps in Ohio (ENDS May 31, 2015)
All Omaha Insurance Company Medicare supplement net-issued applications in Ohio from March 1, 2015 – May 31, 2015 will earn cash. Click here for complete details.
- Elite Producer Club – annuity incentive (January 1 – December 31, 2015)
Earn up to 1% extra commission on all North American Fixed Index Annuities in 2015! Click here for complete details.
- 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.
- Breakaway Travel 2015! (February 1 – December 18, 2015)
Break Away returns for 2015 with more destinations and new opportunities to qualify! Click here for the producer rules & regulations.
- Application Bonus Compensation (May 1 – July 31, 2015)
Earning an extra $100 is as easy as ABC. Any agent submitting a new application for a Voya Fixed Index Annuity between May 1 and July 31, 2015 will receive $100 bonus.
Detailed information is as follows:
- Receive an additional $100 bonus for each fixed index annuity application submitted between May 1, 2015 and July 31, 2015.
- There is no limit to the number of applications submitted within this promotion period and to be eligible, there can be no recent fixed index annuity business with Voya from July 31, 2014 to April 30, 2015.
- Contracts that are free-looked will result in the forfeiture of the bonus incentive.
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