June 4, 2014

• AIG:
  • Elite Survivor Index II Training Webinars
    • June 4^th – 3:00PM CT
    • June 5^th – 3:00PM CT
    • June 6^th – 9:00AM CT
    • June 6^th – 1:00PM CT

• 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:
  • 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.
  • June 5^th – 10:00 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.
  • June 12^th – 10:00 AM CT

• Income for life: Are you delivering the right message?
  Do not ever forget that we are the only people who have strategies that provide and guarantee lifetime income.
• 9 sales ideas you need to try – infographic
  Successful selling is all about smart planning.
• Dreaming of a Lamborghini makes you a better advisor
  If the academics can’t agree with one another on the best solution, and the client won’t agree on the proposed solution, how do you decide what to do next?
• The secrets to your success(ion)
  One way to keep the concern about inadequate succession planning in the advisory community from escalating is for advisors to confront the issue head-on.
• 100 best sales & marketing ideas:
  • 91-100
    Consider these small adjustments to the way you sell, and you may be looking at a banner year in 2014.
  • 81-90
    A sales lesson from ZipCar, how to communicate during a crisis, and why YouTube can help you close more sales.
  • 71-80
    How the right fact-finder, the right elevator pitch and the right marketing plan can turn you into a sales superstar.
  • 61-70
    Send a thank you gift clients really appreciate. Pique curiosity in a cold call. And always, always plan your questions in advance.
  • 51-60
    Which day of the week is best for prospecting? How often should you communicate with new clients? Your peers weigh in.
  • 41-50
    Here’s how to dominate a crowded marketplace.
  • 31-40
    Pursue your passions, and you’ll be positioned for success.
  • 21-30
    Holistic, anticipatory planning is the name of the game.
  • 11-20
    Learn the secrets behind effective Social Security planning, a successful reverse close and planning an event clients actually want to attend.
  • 1-10
    Do the right research, make the right friends and listen to the little things.
• 9 Reasons You Should Take Another Look at Whole Life Insurance
• Retirement: It’s a family affair
• Today’s term: Poised for growth
  Tim Heslin – Vice President, Product Strategy and Implementation for AIG Global Consumer Insurance – explores why now appears to be an opportune time to sell term life products.

• LIMRA: Life combo products hit record high again
  New premiums for life combination products reached $2.6 billion in 2013, 13 percent of all individual life premiums.
• The most common cause of death for Americans at every age – chart
  If you’ve ever wondered what you’re most likely to die from at any given time, check out this interactive new data visualization.

• American General:
  • Acceptable forms of payment for initial premiums – compliance bulletin

• Legal & General America:
  • eDocuments – upload policy docs direct to LGA – NEW for direct agencies

• North American:
  • Discontinuation of agent debit for over and short premium
  • Join the North American LinkedIn Network!

• Prudential:
  • Prudential’s first quarter 2014 financial results

• AIG:
  • New, detailed Introduction to AG Asset Protector – training video
  • Guaranteed death benefits with optionality
    Learn how permanent life insurance with flexibility and choice can help your clients in retirement. Check out this customizable sales idea featuring AG Secure Lifetime GUL II that your agents can send out to their clients. For more information on Optionality, visit the resources page on retirestronger.com.
  • Elite Survivor II
    Building wealth has always been about more than living the good life. Now it’s time to help your clients protect the value of their estate for their loved ones. Elite Survivor Index II can help with this next step.

• Genworth:
  • Trust Ownership of Total Living Coverage (TLC)
  • The Index Institute: Index UL sales ideas– recent updates
  • Supplemental Retirement Income – Sales Idea Training
  • Smart Grandparent – Sales Idea Training

• ING:
  • New e-mail on the PromoCenter for ING IUL-Protector
    View the promo email here. To personalize it, go to the PromoCenter on ING Pro. Look for eship #169690 and also under the category “ING IUL-Protector.”
  • Trust Certification forms available by state
    The Trust Certification form makes it easier for you and your customers to provide necessary information for life insurance policies with trusts as the owner or primary beneficiary. Get answers to Frequently Asked Questions regarding the new Trust Certification form.
  • Improved rates for some Breast Cancer histories
    Standard rates without a flat extra premium are a possibility immediately after completion of treatment on some DCIS breast cancers.

• Legal & General America:
  • Buy/Sell Agreements funded by permanent life insurance can assure business continuance
    A cross purchase buy /sell arrangement is used when the owners of a business want to control the transfer of the business to one of the remaining owners in the event of death, retirement or critical illness. An agreement is created after the business value is established, funded with the purchase of a permanent, lifetime-guaranteed, life insurance policy, whereby each partner is the owner and beneficiary of the policy for the other. The life insurance purchase also gives key stakeholders added security, knowing the business will continue based on the agreement.
  • Life Insurance can protect a business from the loss of a hard-to-replace employee
    The loss of a key employee (top sales person, partner, technical expert, etc.) can have a devastating impact on a business. These are people who have specialized knowledge on products and operations, who provide the creative marketing or technological direction, who have client relationships on which the business depends, or expertise that allows the business to raise capital. The business can determine the projected economic loss of the talented individual and buy a life insurance policy naming itself as owner and beneficiary.

• MetLife:
  • MetWINS Error – IMPORTANT
    Illustrating Promise Whole Life Select In-Force Policies will result in incorrect values. The illustration system will be updated on June 9^th to fix the issue.
  • Online one-time payments – now available
    Clients can now pay some term policy premiums online.
  • Introducing Advanced Sales Insights – 1^st issue
    This Advanced Sales Center newsletter is designed to give you the latest in the world of advanced planning, with tips and strategies to help you build your practice.
  • Revisions to Medical Underwriting Guidelines could benefit clients with Anxiety
    Applicants with moderate anxiety and those taking two or more medications now may be given Preferred rates.
  • Questions to ask clients with a history of heart palpitations

• Minnesota Life:
  • Decision Engine: Guiding agents to the right products (login required)
    This tool can help your agents determine the appropriate life insurance product based on their clients’ needs and desires. Here’s how it works:
    Based on fact-finding discussions with their clients, your agents answer up to 10 simple questions about duration, guarantees, accumulation and risk tolerance. The Decision Engine will then guide them to the life insurance solution from Minnesota Life or Securian Life (NY) that most closely matches the client’s objectives.

• Mutual/United of Omaha:
  • Get the scoop on the Accelerated Death Benefit Rider
  • What you need to know about Term Life Conversions
  • Help your clients retire with confidence
  • The Fit Program has shaped up to help you earn more sales – reminder
    The Fit Underwriting Program is known for helping clients with certain health conditions get better premiums based on their otherwise good health history. A number of improvements were made; including raising the maximum allowable face amount from $2 million to $5 million to allow even more clients to benefit.
  • Relaxed Premium Cap Limits – reminder
  • Convertibility on Term Life Express – NEW!
    Clients no longer have to forgo future convertibility in order to get the simplified, hassle-free underwriting that comes with a Term Life Express policy. TLE policies issued on or after May 1st are convertible to any individual permanent life insurance product offered at the time of conversion. Learn more about the new conversion privilege.
  • Key Employee Life Insurance – with a twist
    If a business owner dies, the succession plan often includes transitioning ownership to a child who is involved in the business. What’s uncertain is whether or not other key employees will stick around and help ensure the transition is successful. Here’s an idea that uses the proceeds from a Term Life Answers policy as an incentive for key employees to remain loyal to the business.

• North American:
  • How to Use Life Insurance for Annuity Maximization – video, ideas and tips
    By using life insurance to maximize annuity funds, you can help provide your clients with the most value for their annuity funds, without the limitations of income or estate taxes.

• Protective Life:
  • Fact or Fiction? The Great Wall of China is visible from space.
    Click here to learn more. OR Click here if you just want to quote Protective Custom Choice UL.

• Symetra:
  • Introducing Symetra SUL-G 1.0 – a new low-cost wealth transfer solution
    Symetra SUL-G 1.0 is a survivorship life insurance policy with guaranteed protection. It enters the market in first place for low annual premium and has among the highest target premiums.

• Deferred income annuities gain momentum
  The DIA category showed the strongest year-over-year percentage growth of all annuity types, up 113 percent.
• Understanding the annuity
  People give him a funny look when he admits he has an annuity, said Shane Fischer, a 37-year-old bachelor living in Winter Park, Fla.
• Use annuities to protect yourself from yourself
  Everyone ages. And whether or not we care to admit it, each of us faces the risk of suffering from severely diminished cognitive ability as we grow older.

• American National:
  • ASIA PLUS w/improved Lifetime Income Riders – higher income potential
  • ANICO has the products Baby Boomers need – they just don’t know it yet!
    There are over 70 million Baby Boomers and they continue to retire daily, and will do so for the next 20 years. When individuals retire they make the biggest financial decisions of their lifetime and may move more money than they have ever been responsible for before.
  • Taxation of Annuity Contracts Held By a Trust
    Under Internal Revenue Code Section 72(u), the non-natural person rule states that if an annuity contract is held by a person who is not a natural person the annuity is not treated as an annuity contract for tax purposes. If the non-natural person rule applies, the annuity owner loses the tax deferral associated with the deferred annuity.

• ING:
  • Stabilizing Retirement Assets
    Also view:
  • Let’s Talk About: In-Service Distribution Opportunities
  • ING RenewalFLEX Feature
  • ING Lifetime Income: Income when it counts

• Lincoln National:
  • Lincoln Leader – publication for fixed annuities
    In this issue:
  • Lincoln Lifetime Income Edge enhancements
  • Fixed Indexed Annuity statement enhancements
  • Lincoln Insured Income new payment option
  • and more!

• North American:
  • Looking for Capped Strategies with Annual Reset?
    Then look no further than North American Charter 14 Fixed Index Annuity.
  • 10% PREMIUM BONUS
  • 14-Year Surrender Charge Period Product
  • Index Cap Rate Only Product
  • Add the Optional Income Pay Guaranteed Minimum Withdrawal Benefit (GMWB) Rider

• Protective:
  • Protective Indexed Annuity II With SecurePay SE – video
    Low rates and volatile market conditions may have your clients concerned about saving for retirement. But their concerns don’t end there. They are also concerned their savings will not last as long as they need it. The new SecurePay SE optional withdrawal benefit, available with Protective Indexed Annuity II, provides enhanced benefit base growth opportunities along with protected lifetime income.
  • Protective Indexed Annuity II approved in Connecticut

• 5 ways to help clients face the end their way
  You’re already helping with one difficult planning job. Here’s another.

• Mutual of Omaha:
  • MutualCare Solutions gains Partnership approval in Virginia

• Transamerica:
  • LTC News
    In this issue:
  • How to use Transamerica secure materials
    Find out how digital sales materials for Transamerica Secure can streamline your sales efforts.
  • Back to the LTCi Basics: What sets Transamerica LTC apart
    Transamerica LTC stand-alone policies provide significant advantages. See how we keep the differentiators at your fingertips.
  • LTCi featured on National Public Radio
    Long Term Care insurance was featured during Wednesday’s “Morning Edition” on NPR. The recommendations align perfectly with our new Transamerica Secure product.
  • Underwriting reminders
    Important information about two underwriting considerations, e-cigarettes and insulin.

• Marketing Disability Insurance Generation by Generation: a Quick Guide
• The younger market that desperately needs disability insurance
  Selling to higher wage earners early in their careers is especially critical given the earning potential that lies ahead.

• Mutual/United of Omaha:
  • DI product brochures
    Check out these four consumer brochures designed to help your clients understand DI purchase options.

• 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.

• 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.