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• Lessons from the Robin Williams’ estate plan mess
  Estate plans should be specific about who gets which items and should have professional witnesses to execute the plan.
• Real life heroes
  Being a part of the Real Life Stories judging panel reminded me just how valuable life insurance agents really are.
• 10 ways to screw up when picking life insurance beneficiaries
  Mistakes are common – and they can be heartbreaking and expensive.
• Why efficiency is critical to success
  Here’s how one advisor wrote $44 million in new business in a single year.
• Were you born to sell?
  Most salespeople become successful not because they were born to it, but because they learned how to sell.
• 3 reasons why we don’t sell as much life insurance as we should
  A key reason why we don’t sell as much life insurance as we should is that we continue to confuse our clients.
• Are you a trusted advisor?
  You can’t attain the lofty place of “trusted advisor” without putting the client relationship before the sale.

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• Genworth Financial:
  • Important compliance reminders and producer compliance manual

• Mutual/United of Omaha:
  • Producer appointment requirements – reminder

• Prudential Financial:
  • Prudential’s 4th quarter and year-end 2014 results

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• AIG:
  • GUL that’s competitive and flexible
    AG Secure Lifetime GUL II and AG Secure Survivor GUL II provide clients with a guaranteed death benefit up to a lifetime, plus guaranteed cash value accumulation.  In addition to guaranteed return of premiums, clients can access cash value with a proportional reduction of accumulation value, death benefit amount and guaranteed premiums; while retaining original guaranteed durations.
    AG Secure Lifetime GUL II also provides clients the option to add the Accelerated Access Solution – an indemnity based chronic illness rider with unique payout options. Additionally, clients have the option to add the AG Asset Protector rider bundle – that includes both the Accelerated Access Solution and the Lifestyle Income Solution – which can protect clients from outliving retirement income.  See for yourself how these GUL products stack up in the marketplace:
  • AG Secure Lifetime GUL II at age 50
• AG Secure Lifetime GUL II at age 55
• AG Secure Lifetime GUL II at age 60
• AG Secure Lifetime GUL II at age 65
• Accelerated Access Solution on AG Secure Lifetime GUL II
• AG Asset Protector on AG Secure Lifetime GUL II
• AG Secure Survivor GUL II at age 65

• Genworth Financial:
  • Interest crediting rate changes
    View the bulletin.

• Legal & General America:
  • Upsell Program
    Legal & General America offers increased coverage to proposed insureds who’ve been identified by the underwriter as eligible for larger face amounts. The GET MORE upsell opportunity is one you won’t want to miss. 

• MetLife:
  • 2015 Federal Tax Quick Reference Guide
    Download it now.
  • IRS Request for Transcript of Tax Return form
    In August 2014, the IRS published an updated version of the 4506-T (Request for Transcript of Tax Return), which is now available on MetLife eForms. View the announcement.
• New format for eForms EZ Search “Sell a New Policy”
  View the announcement.

• Minnesota Life:
  • Premium Financing changes – reminder
    Get details and links to materials.
  • Student Loan Forgiveness and Life Insurance
    Nearly two-thirds of college students graduate with debt, and according to the Consumer Financial Protection Bureau, student debt has reached $1.2 trillion dollars. Combining student loan repayment programs and the benefits of a life insurance policy can help meet your clients’ current and long-term financial needs. Learn about a strategy that can help your clients pay off their loans and secure their futures.

• Mutual/United of Omaha:
  • Great new Term Life Answers rates
    Term Life Answers now has leading Age Last Birthday rates for Preferred Plus, Preferred Non-Tobacco and Standard Non-Tobacco classes.  Get details.
  • Provide your clients added flexibility
    Qualifying Guaranteed Universal Life and Guaranteed Universal Life Plus policies offer your clients future flexibility…at no additional cost. View the sales idea.
• Make sure your clients are “FIT”
  The FIT credit program lets your clients move up to two tables. Be sure to get the best rates for your clients.

• Protective Life:
  • 5 facts to consider before jumping on that term re-price opportunity

• Prudential:
  • Rate Reduction Program
    View details!

• Transamerica:
  • New form requirement for permanent & term Products – reminder
    Don’t forget to include the required Beneficiary/Additional Insured Information supplemental form (DMF 2014) when submitting a permanent or term life insurance application; as well as conversions. View the Frequently Asked Questions that includes details and product exemptions.

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• Connecting with Generation X: Your new annuities sales target
  What’s missing too often from the headlines is the opportunity to assist that seemingly overlooked group, Generation X, with retirement preparedness.
• 5 fixed annuity questions you should be asking
  These are the questions that will deliver more sales.
• How to annuitize an inheritance
  An annuity product can provide a valuable – and often overlooked – tool to accomplish a variety of estate planning goals. 

• AIG:
  • Client Profile Forms – improved
    On March 9, 2015, the Client Profile Form for fixed and income annuities changed. The new format replaces earlier versions in an effort to better obtain and organize necessary client information. Previous versions will be accepted through May 8, 2015. After that date, the new format will be required for all new business submissions. View the bulletin. 

• American National:
  • ANICO Strategy Indexed Annuity PLUS – higher cap!
    Get details and product information. 
  • Palladium Single Premium Immediate Annuity – 7.46% cash flow!
    Get details and a quote. 

• Genworth Financial:
  • Index product changes
    On March 9, 2015, changes were made in many states to the SecureLiving Index 5, Index 7, Index 10 Plus along with the Income Protection rider. View the bulletin. The major highlights are:   
  • Income Protection Rider  
• Benefit Base Enhancement reduced from 8% to 4% (simple rollup remains 8%). This includes all states .
• Index 10 Plus premium enhancement
• States at 6% go to 4%
• States at 4% go to 3%
• ICC states remain at 1%
• New product disclosure required – effective March 9^th
  Due to the changes to Genworth’s indexed products, there is a new product disclosure that needs to be submitted on any Genworth Index 5, 7, & 10 applications.

• North American Company:
  • Minimum premium increase on Charter & Precision fixed index annuities
    View the bulletin. 
  • Interest rate decrease
    On March 10, 2015, interest rates decreased on most North American annuities, excluding the new NAC BenefitSolutions fixed index annuity. Click here for the new rates. 
• New interest rates apply to applications received in the Home Office on or after March 10, 2015.
• NAC IncomeChoice 10 Commission Special has ended
• Original applications must have been received before March 10, 2015
• Transfers and exchanges must be issued by April 22, 2015

• Protective Life:
  • Indexed Annuity II – modifications
    Two modifications have been made to the Protective Indexed Annuity II. To help you offer a competitive fixed annuity solution to your customers, a limited market value adjustment (MVA) is being added to the product and the calculation for annual penalty-free withdrawals is being modified. Get details and links to sales materials. 
  • Indexed annuity NY rates 

• Voya Financial:
  • Moody’s rating increase
    On March 3, 2015, Moody’s raised its ratings on Voya Financial, Inc., to “Baa2” with a stable outlook, from “Baa3” with a positive outlook, and raised its insurance financial strength ratings on Voya’s insurance subsidiaries to “A2” from “A3.” As Moody’s stated in its press release, the decision was based on the continued improvement of their financial profile, particularly their profitability and financial flexibility. This comes just two weeks after Standard & Poor’s (S&P) Feb. 17 decision to raise credit ratings on Voya Financial and on Voya’s insurance subsidiaries. View Chad Tope’s, President Voya Annuity and Asset Sales, letter.  
  • Voya for Professionals just got better!
    Voya for Professionals has been redesigned to be simpler to navigate and find information needed to help build your business. The landing page has been designed to better assist you. View this presentation for a sneak peak of the New Business and Mutual Fund Inventory and Pending Status Dashboard, which includes a new way to solve your Not In Good Order (NIGO) issues.
  • Wealth Builder Plus – NEW!
    View the rate sheet and product brochure for this new product!
• View current rates 
• Video presentations
• Lifetime Income Annuity  (5 Minutes, 27 seconds)
  Voya 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 Voya Insurance and Annuity Company.

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• Mutual/United of Omaha:
  • New Beginnings – so your clients can focus on getting well!
    No one wants to think about being diagnosed with cancer or suffering a heart attack or stroke. But there’s a good chance it could happen to your client or a member of their family. Today, most people are surviving cancer, heart attack and stroke! If something happens to your client or a member of their family, their health insurance will help pay doctor and hospital bills. However, when faced with a serious health condition like cancer, heart attack or stroke, there are many other financial issues to consider. These policies provide cash – from $10,000 to $50,000 – to use any way you choose. Use this New Beginnings brochure to help explain how this policy is designed to help your clients pay medical and non-medical expenses so they can focus on what’s important…getting well.

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• American National:
  • 2015 CASH IS KING for Fixed Annuities(January 1 – April 30, 2015)
    American National is paying a cash bonus for fixed annuities between January 1^st and April 30^th.  Get complete details.
  • 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.

• Athene:
  • Leaders of Olympus  – annuity incentive  (January 1 – December 31, 2015)
    Click here for details.

• Genworth Financial:
  • Producer Elite Program  (January 1 – December 31, 2015)
    The Producer Elite Program is a new, producer-focused tiered incentive compensation program for annuity production.  Click here for complete details.  Also, view the frequently asked questions.

• Mutual of Omaha:
  • 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. 
  • Earn 1% of ANBP
• 1 credit = $1
• 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. 

• North American Company:
  • 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. 

• Protective Life:
  • 1^st Quarter Sales Promotion   (ENDS March 31, 2015)
    This new sales promotion will award qualifying agents $25 for life insurance business placed before March 31, 2015.  Click here for complete details. 

• Transamerica:
  • 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.