Weekly Newsletter March 13, 2013

March 13, 2013

SALES ARTICLES

Keeping universal life products attractive
Low interest rates are forcing insurance companies to get creative when it comes to UL product design.
How often should you contact prospects?
It takes a lot of attempts before you finally break through.
Make it (less) work
Why can’t insurance shopping be fun?
5 reasons you shouldn’t go it alone
Coordinated advice is the best advice.
The life insurance college savings bank
A life policy could work better for your client than a 529 plan.
4 ways to smooth the life settlement process
The life settlement sales cycle doesn’t have to be long and frustrating.
The best-kept secret to success
We’re all busy. But only the most successful agents ensure that their busyness is always fruitful.
Poor retirement planning causes misery later
Legacy planning with IRAs

UPCOMING WEBINARS

Minnesota Life:
- TODAY, March 13^th – Differentiate yourself with whole life products
Prudential:
- March 19^th – Life Beyond the Cliff: Where are we headed?

CARRIER & INDUSTRY NEWS

American General:
- Professional Liability Program
  An exclusive insurance program available nationwide; created for American General Brokerage General Agents (BGAs) and their Independent Agents. Read the highlights and FAQs for more information.
- Form changes – effective March 28^th
Aviva:
- 2012 year-end financial results and overall performance
Genworth:
- Life Quick Request now available via Aplifi
- Check Image Deposit – new check imaging capability – reminder
- ePolicy Delivery – fast, easy & flexible way to manage policy delivery – reminder
- Total Living Coverage/Total Living Coverage Annuity tax reporting

LIFE INSURANCE NEWS

American General:
- New premium rules on Universal Life
- Dollar-for-Dollar reimbursement for accidental injuries
  Did you know that our accidental injury insurance is not a scheduled benefits program? This product is different than most. Find out reasons to love it.
Aviva:
- New business illustration requirements
Fidelity Life:
- Rapid Decision Senior Life – Term & Whole Life
ING:
- Intra-Family Loans: An Alternative to Gifts
  This 8-page consumer brochure shows clients the value of intra-family loans as an effective wealth transfer strategy especially in this low interest rate environment.
- IRS 4506T-EZ authorization form just got EZ-er!
  A change was made to Section 5 of the form to make it more readable when it is faxed.
MetLife:
- Sales Starters
  – Tax Deferral
  – Funding Retirement Health Care Costs
North American:
- Build your success story with North American – video
United of Omaha:
- Life Insurance For Living (LIFL)
  Use this great tool to identify your clients’ needs.
- Guaranteed ADvantage updates – CA state approval & TX aviation exclusion
  Guaranteed ADvantage can be a viable alternative when a client doesn’t qualify for or cannot afford life insurance but still needs coverage. Guaranteed ADvantage can also be sold as a stand-alone product for clients who are interested in supplementing their existing coverage.
- New Living Promise paper application available in MT
  The application and build chart have been revised to make the product even stronger and a better fit for your clients.
- Enhanced Living Promise application on iGo e-App – beginning March 18^th
  The application and build chart have been revised to make the product even stronger and a better fit for your clients. A new optional comments section has also been added allowing you to provide additional information to our underwriting team regarding your client’s health conditions.

ANNUITY NEWS

Win the retirement planning game with FIAs
5 tips on meeting the retirement challenge
Big hurdle: Forty percent of people say they do not know anything about annuities or understand how they work.
Boomers: Where do they go from here?
Help your baby boomer clients adjust to their new reality.
What’s In A Word? For Annuities, Buyers
Annuities and taxes – Part 1: Contract payments
American General:
- Annuity rates – for March
American National:
- Strategy Indexed Annuity with Lifetime Income Rider
  The Lifetime Income Rider (LIR) guarantees that an income will be available for life, even if the annuity value declines to zero.
Genworth:
- New applications for SPDA’s and FIA’s in AL & MD

LONG TERM CARE

Long-term care: An asset-based approach
12 questions for 1 successful LTCI agent: Meredith Pensack
She’s built a $2 million book of business in just nine years.
Genworth:
- Temporary suspension of individual LTC products in CA – effective March 21^st
- Privileged Choice Flex 2 – COMING IN APRIL!
- Genworth to reinstate commissions with Privileged Choice Flex 2 launch
- Expanded Underwriting Guidelines – COMING IN APRIL!
- Cost of Care Survey – 10^th anniversary
- Changes to Privileged Choice No Claims Offset Letter for PA
Transamerica:
- Step-Rated Compound Benefit Increase Option – consumer brochure
United/Mutual of Omaha:
- Revisions to LTC Partnership in ND

DISABILITY

United/Mutual of Omaha:
- Consumer tools available for DI discounts
  Check out these consumer materials designed to help build a bigger, more loyal clientele.

AGENT CONTESTS

American National:
- Cash is King 2013 (January 1, 2013 – April 30, 2013)
  Receive a CASH BONUS for the total of all Fixed Annuities written and paid.
  $1,000,001+: $1,000
  $750,001 – $1,000,000: $750
  $500,001 – $750,000: $500
John Hancock:
- Benefit Builder Bonus (January 1, 2013 – June 30, 2013)
  By selling Custom Care III featuring Benefit Builder between January 1 and June 30, 2013, you can increase your earnings!
  Bonus Level 1 – $5,000-$17,499: 10% bonus
  Bonus Level 2 – $17,500-$34,999: 15% bonus
  Bonus Level 3 – $35,000-$2,000,000 – 20% bonus
  Details and program rules in the link above.
North American:
- 1% Commission Blitz Bonus Special (February 11, 2013 to April 15, 2013)
  Receive a 1% commission bonus on all NAC RetireChoice applications received from February 11, 2013 to April 15, 2013.

Weekly Newsletter March 13, 2013

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