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• 8 ways financial planners can beat their competitors
  Collaboration between client and advisor is transforming relationships.
• The end of “I’m not interested”
  If you hear this phrase a lot, it could mean you’re wasting your breath on the wrong type of prospect.
• How one agent overcame a fear of cold calling to find success
  A former Air Force Intelligence Officer is making great strides in the Med Supp market – and says there may not be enough agents out there to meet the demand.
• The 5 biggest challenges agents are facing now (and how to overcome them)
  Whether it’s lead generation, health reform or annuity cap rates, it pays to know your enemy.
• This is what it looks like to be an independent agent in 2015 – infographic
  What keeps advisors up at night? Retirement Advisor’s second annual Advisor Survey unveils the answers.
• 8 ways people blow their life insurance medical exams
  A host of things, from the ordinary to the exotic, can throw off test results.
• Here’s why cash value life insurance is a superior product
  The product’s tax, legal and financial advantages make it an asset that should be a component of virtually every client portfolio.

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• AIG:
  • Share AIG’s promise
    For 95 years, AIG has promised to help customers by insuring their lives, their property and securing their retirements. Watch this video to learn more.

• Legal & General America:
  • Organizational changes
    View the employee announcement.

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• AIG:
  • Help life clients access more benefits faster
    With AIG’s indemnity-based chronic illness rider, your clients can access benefits for any purpose – even supplemental income. The Accelerated Access Solution (AAS) chronic illness rider is available on AIG’s whole suite of products; including GUL and IUL.  Learn how to build your business and boost production with this innovative coverage option.
  • New rates for AG Select-a-Term
    View this comparison. 
• Products that put clients in control
  Help your clients prepare for the expected and unexpected life events with products designed to put them in control. That’s life insurance with Optionality. Your needs. Your choices. Your way. View this video to learn more. 
• Answers to your hot questions
  Who is the ideal client for Value+ IUL? How does Value+ Cash Access with Excess Funding work? How does Value+ Cash Access with Unlocked Surrender Charges option work? Answers to these and many other questions available in our Value+ IUL FAQ.
• Reissue Rules – adjusted
  See the adjusted guidelines and procedures for reissue requests. 
• Increased Home Office approval limits for Index Universal Life
  View the bulletin.

• Legal & General America:
  • Tobacco Questionnaire – new forms
    The Tobacco Questionnaire, a supplement to the application, has been revised for all states. Click here for complete details and links to the new forms.
  • Question #2 changed tobacco use to 36 months instead of 12 months.
• If the answer to question #2 is yes, full details must now be provided.

• Minnesota Life:
  • Business Continuation Agreement &
    Guaranteed Insurability Option for Business
    Help business clients ensure they have enough life insurance to pursue their financial goals and fulfill a buy-sell agreement.  The Business Continuation Agreement (BCA) and Guaranteed Insurability Option for Business (GIOB) are available on Minnesota Life’s individual indexed universal life and individual fixed universal life policies.  Get details by viewing the following:
  • Marketing Flyer 
• BCA Just the Facts
• GIOB Just the Facts  
• Insure Your Love with Whole Life
  This February, be an advocate for life insurance and help your clients insure their love for their children. Because of the guaranteed death benefit and fixed cash value growth, whole life coverage can give your clients’ children the protection they need while they are young – as well as the potential to meet insurance needs later in life. Help clients protect their loved ones with life insurance:
• The Gift of a Lifetime postcard 
• Whole Life for Children brochure 
• $99 Legacy: Life Insurance for Grandchildren 
• Secure Protector & Secure Accumulator Whole Life Consumer brochure 

• Mutual/United of Omaha:
  • Universal Life interest rate changes – March 2015
    View the changes to Universal Life interest rates for March 2015.
  • Consider GUL with the Guaranteed Refund Option – sales idea
    If your clients like Term Life with an ROP option, they may like Guaranteed Universal Life with a Guaranteed Refund Option even better.
• Choose Mutual of Omaha for your life insurance
  With so many great products and services, there’s no question that Mutual of Omaha will serve your clients’ needs.
• Underwriting changes
  Click here for details. 

• North American:
  • CA’s new ADBE
    See the top 5 things you need to know about North American’s life insurance endorsement – Accelerated Death Benefit for Chronic Illness.
  • Interest rate changers – effective April 1^st
    North American Company is implementing changes to the currently credited interest rates on select life insurance products. Get more information. 

• Protective Life:
  • 5 facts to consider before getting excited about the next carrier term re-price
    Don’t sell another term policy without considering these five facts!
  • Protective Today – February 27^th newsletter
    Click here to view the newsletter.
• The New Wealth Transfer Center
  This new site offers effective strategies and tools to help your agents guide clients down the right path. This online resource has everything you need-all in one place.

• Prudential:
  • Significantly improved older age pricing for Protection products
    PruLife UL Protector was re-priced to help significantly improve our overall competitiveness in the older age (55-85) marketplace and to better support the diverse needs of consumers who fit in this market segment. Learn how you can effectively position this product with your clients today. 
  • New York BAR Replacement Business – update
    View the bulletin. 
• California BAR Replacement Business – update
  View the bulletin. 
• Life Insurance Inquiry – revised
  The Life Insurance Inquiry form was improved to streamline the process and help you better gather required information for an informal submission. View the bulletin. 
• Policy Review – consumer presentation
  Have you ever wondered how the life insurance industry has changed since your last purchase and what new options are available? Is your life insurance policy performing to expectation and accomplishing what it was originally intended to? Leverage this new presentation to encourage your clients to continually review their life insurance coverage and benefits.
• Multicultural market opportunities & common myths
  View this white paper.  It focuses on the business opportunity within women and multicultural markets; while also dispelling common myths associated within these markets.
• Client Profiles: Is Index Advantage UL right for your clients?
  How do you decide the appropriate life insurance protection for your clients? Client Profiles compares some of our permanent life insurance options, including Index Advantage UL, across various important criteria to help you.
• Put a plan in action with multicultural marketing
  If you don’t focus on multicultural marketing, your competition will! Prudential can help you recognize opportunities within the multicultural markets and develop a plan today.

• Transamerica:
  • New Trendsetter portfolio premium rates
    Premium rates for Trendsetter Super and Trendsetter LB have been adjusted to maintain an overall competitive price.  
  • Trendsetter Portfolio Premium Rate Transition Rules
    Applications received through iGO or in the Transamerica Cedar Rapids Administrative Office:
• between February 14, 2015 and March 20, 2015, will automatically be issued with the base plan rates most favorable for the applicant;  
• on or after March 21, 2015, will be issued with the new rate.  
• For updated rates, click below:  
• Trendsetter Super Product Guide  
• Trendsetter LB Product Guide 

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• How QLACs are changing the Social Security timing game
  For the higher income client, QLACs can drastically alter even the most basic Social Security strategies, including the typical plan for maximizing retirement income by delaying benefits.
• Deferred income annuities’ flex pay appeals to younger investors
  DIAs can provide protection against longevity risk through guaranteed income products that have previously been unattractive to the younger client.

• American National:
  • Creating an Appropriate Bucket List
    No, this is not a Hollywood drama or list of currently unattainable activities; this is about choosing different indexing strategies with the new ANICO Strategy Indexed Annuity PLUS. The Strategy PLUS has been designed to take advantage of different choices to provide contract holders with several indexing options. These choices are duration and participation rates. By combining these different choices a number of strategies can be chosen to better meet contract holder needs.

• Genworth Financial:
  • Rate increases
    View the rate flyers.
  • SecureLiving Income Provider – effective March 2^nd
    The new rate will become effective on Monday, March 2, 2015.   The illustration software will also be updated at that time. The shortest period certain will remain at 5 years and 1 month.
• SecureLiving Liberty – effective March 4^th  
• SecureLiving Independence – effective March 4^th             
• SecureLiving Rate Saver – effective March 4^th
• SecureLiving SmartRate – effective March 4^th
• Statement Regarding Sales Outside Owner Resident State – new form requirement
  View the bulletin.

• North American Company:
  • Interest rate change & commission special ending
  • Interest rate decrease – effective March 10^th
    Interest rates will decrease on most North American annuities; excluding the new NAC BenefitSolutions fixed index annuity.  
• New interest rates will apply to applications received in the Home Office on or after March 10, 2015.
• To receive current interest rates, original applications must be received in the Home Office before March 10, 2015.
• NAC IncomeChoice 10 Commission Special Ending  – effective March 10^th  
• Original applications must be received before March 10, 2015.
• Transfers and exchanges must be issued by April 22, 2015.

• Protective Life:
  • Indexed Annuity NY rates
    Click here to view current rates.  Click here to view future rates.

• Voya Financial:
  • Helping your clients save by stretching inheritance
    Two years ago, when Robert Garfield’s mother passed away, he and his two siblings inherited an IRA worth $300,000 through a trust. Completely unaware of the steep tax that could have come to 40% upon the transfer of funds, each planned to cash out their share in a lump sum.
  • Wealth Builder PLUS – COMING MARCH 9^th
    On March 9, 2015 Voya will launch its’ Wealth Builder PLUS product.  For pre-retirees looking for growth AND optimal income potential with benefit base that offers more upside.

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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   (January 15 – 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) – NEW!
    Break Away returns for 2015 with more destinations and new opportunities to qualify! Click here for the producer rules & regulations.