May 14, 2014

• Accordia Life:
  • Webinar schedule & instructions
  • How to do business with Accordia Life
    Accordia will review the contracting process, how to access forms and materials, how to submit new business and website navigation.
  • May 22^nd – 2:00 PM CT
  • Accordia Life Product Portfolio
    Learn about the products that will be available in the Accordia Life Product Portfolio. In addition, get details on our exciting, new underwriting program – Accordia Life Credits.
  • May 15^th – 2:00 PM CT
  • May 29^th – 2:00 PM CT

• American General:
  • Life Insurance training
    • May 15^th – 2:00 PM ET – AG Quick Ticket
  • Annuity & Accident & Health Training Webinar Series
  • May 28^th – 1:00 PM CT – Accident & Health

• Genworth:
  • Confident in Your Index UL Illustrated Rate?
    At the heart of every index universal life insurance sale is the illustration, which features the much-debated illustrated rate. Ask yourself: What is your confidence level in your illustrated rate? What is your client’s confidence level? How does that confidence level vary based on your client’s needs and the products that you’re illustrating?
  • May 22^nd – 2:00 PM ET

• Minnesota Life:
  • 15-minute sales strategy teleconference – every Wednesday at 10:00 AM
    This 15-minute sales call includes a webinar component.
    Dial-in Number: 1-800-910-2399 Passcode: 224032
  • May 14^th – Using accumulation IUL for max distributions
  • Term Enhancements
    • May 22^nd – 1:00 PM CT

• North American:
  • Social Security Decision-Making for a More Client-Centric Practice
    Learn how to be better prepared and more knowledgeable about these important decisions. You’ll receive information on:
    – Consumer perceptions and misconceptions about Social Security
    – Defined benefit plans are nearly extinct – new retirement income sources are needed
    – Conversations that Boomers want to have about their Social Security
    – Important questions to ask your clients to help them with their Social Security decision-making
    • May 14^th – 10:30 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.
    • May 15^th – 10:00 AM CT

• How to review a will: a 12-point checklist
  Every member of an estate planning team, including the financial planner, should know how to review a will.
• 3 reasons to replace the stretch IRA with life insurance
  Now is the time to help clients plan to replace the stretch IRA with something even better – life insurance.
• Meeting clients expectations
  Why do clients leave their advisor? What makes a client choose one advisor over another?
• The last time we spoke
  Calling, emailing, texting-they’re indispensable modes of communication. But when was the last time you actually sat down and talked to your clients?
• 4 reasons life insurance is anything but boring
  Life insurance may very well be the sexiest, low-cost, low-risk financial management vehicle around. We just need to get consumers to see it.
• 10 Phrases Killing Your Customer’s Experience
• The MEC’s last stand
  For high-net-worth clients, modified endowment contracts can play a key role in both estate planning and post-retirement healthcare planning.
• How to ask the right way
  The way you phrase a question can have a big impact on how it’s perceived. Here are some tips to hone your skills as a questioner.
• Happily Ever After – blog
  How do you approach newlyweds about life insurance?
• 3 business lessons I learned from my mother
  A young financial advisor reflects on the surprising lessons he’s learned under the wing of a veteran producer – who happens to be his mother.
• Carpe deal
  Seize those sales opportunities as they present themselves. If you postpone your request for a meeting, you might not get another chance.
• 4 outdated closing lines that make you look dumb
• An onboarding system that results in immediate referrals
  You should receive the most referrals during the first six months of the business relationship.

• AIG preparing for federal regulation
  AIG is making moves as a SIFI to bulk up its capital.

• Legal & General America:
  • Check21 soon to be available without 3rd party vendor
  • The Basics Manual
    The Basics is a searchable section of Legal & General’s website – www.LGAmerica.com. The manual provides an overview of procedures for the defined business areas at the Legal & General America companies; Banner and William Penn. Click here to login and view “The Basics” under the “Go To Resources” section of the website. After selecting a main section, sub-sections will appear on the right side of the screen. By selecting a sub-section, you will be taken to that heading on the page.

• North American:
  • Connect with North American on social networks
  • LinkedIn
  • YouTube
  • News You Can Use blog
  • Company blog

• AIG:
  • 17 year term closes the sale
    Learn how the customizable term period with AG Select-a-Term® allowed a client to buy only the exact coverage needed and save a significant amount over the life of the policy.
  • Answer the concerns clients have today
  • Elite Index II – cost-effective life insurance w/upside potential & downside protection
    Better options now available that provide cost-effective permanent life insurance with the potential for cash value accumulation, tax advantages and premium flexibility, all wrapped up into one policy.
  • AG Secure Lifetime GUL II – optionality
    Learn more about optionality and what it can do for your clients; a unique package of long-term protection and maximum flexibility.

• ING:
  • Opportunities for high net worth Foreign National sales (HNWFN)
    For the right clients, and the right sales people, the time is right to connect on big international sales. View the two new easy-to-use guides explaining ING’s agent guidelines and underwriting requirements.
  • HNWFN Overview Guide
  • HNWFN Underwriting and Marketing Guide
  • Underwriting strengths:
  • Sleep Apnea
    Rest easy – or not. Because even if they have sleep apnea, healthy applicants can still go from Standard to Preferred.
  • Private Pilots
    Private pilots can still be cleared to land Preferred & Super Preferred rates.
  • IUL – Protector and IUL-GDB now available in Pennsylvania
  • Protector UL discontinued
  • State Estate & Inheritance Taxes 2014
    Although the majority of states do not impose any taxes on wealth transfers, there are some states that impose an estate tax and/or an inheritance tax. Updated for 2014, this producer flyer lists what states impose these taxes and what this may mean for clients.

• MetLife:
  • Healthy Look Programs are no longer available – effective immediately
    The Healthy Look facultative reinsurance programs have been discontinued. After analysis, MetLife has determined Healthy Look was not as valuable to producers and clients as intended. For cases that may qualify, the MetEdge reinsurance program is still available, and regular facultative reinsurance may still be an option. MetLife will continue to explore programs and solutions that can help get your cases placed.
  • Calculating Tax Equivalent Yield? MetLife Solutions does it for you!
  • Customize your Whole Life product presentations with Whole Life Up Close
  • One-Minute Trainers – upgraded to enhance user experience
    One-Minute Trainers are designed to show you how to run specific scenarios in MetLife Solutions and WinFlex, step by step.
  • The BOSS newsletter
    Articles include:
  • Pass Thru Business Entities-Sales Opportunities Abound
  • Retirement Plans for Small Businesses
  • Multi-Owner Firms Are Great Prospects For Disability Buy-Out Sales
  • Underwriting updates – reminder
  • Life policy forms updates – reminder
  • Reinstatement Application
  • Life Policy Form
  • Regulation 60

• Minnesota Life:
  • Benefit Distribution Agreement – available May 19^th
    With the new Benefit Distribution Agreement (BDA) – available May 19^th on new Advantage Elite Select policies – your clients can guarantee a monthly or annual income stream for their beneficiaries.
  • BDA Advisor Flyer
  • BDA Just the Facts
  • Term life insurance: Beyond the numbers
  • Quick eApp Highlights
  • Advantage Elite Select transition rules – reminder

• Mutual/United of Omaha:
  • Grow Sales with Families using Term Life – sales idea
  • Underwriting Crohn’s Disease – case study
  • Spotlight on Term Life Answers – presentation
  • Age Last Birthday
    With United of Omaha’s Age Last Birthday Advantage, your clients get great rates because our policies are underwritten based upon a client’s age at his or her last birthday.
  • Five good reasons to sell Guaranteed Universal Life
    United of Omaha’s Guaranteed Universal Life has a lot to offer you and your clients. Here are five excellent reasons that may help increase your sales potential.
  • Are you ready for the Fit Test
    The Fit test has been been revised with the recent changes to the Fit underwriting credit program and is ready to use. Give your clients the Fit Test to see if they qualify for extra credits on their susbstandard rating.

• North American:
  • The Guaranteed Exchange Privilege – control and flexibility
    When clients need a guaranteed death benefit, they can turn to North American’s Custom Guarantee universal life insurance. But what if their needs change? With the Guaranteed Exchange Privilege, your client can exchange a Custom Guarantee policy for one of North American’s cash accumulation products-without evidence of insurability.
  • Term or Perm?
    If you’re selling mostly term life insurance, maybe it’s time to give permanent a chance.

• Protective:
  • Fact or Fiction?
    If you swallow chewing gum, it will stay in your stomach for up to seven years.

• SBLI:
  • Choosing Whole Life Over Universal Life – case study

• Transamerica:
  • Final Expense products are now available in Massachusetts & Montana
    Final Expense Immediate and 10-Pay Solutions are now available in Massachusetts; and Easy Solution is now available in Montana. These products offer competitive premiums, straightforward underwriting and face amounts up to $50,000. View the complete list of authorized states.

• A deferred annuity buyer’s guide roundup
  With the adoption of three new versions of the deferred annuity buyer’s guide by the NAIC, states have been issuing guidance documents to help interpret.

• Genworth:
  • SecureLiving product changes – effective May 19^th
  • SecureLiving Index 5 & 7
  • SecureLiving Index 10 Plus
  • SecureLiving Income Provider rate increased on May 5^th
    View the current rate flyers.
  • Protect Your Retirement Savings Plan

• Genworth:
  • Live+Well News – Ask Mayo Clinic Nurse Line receives prestigious quality certification

• John Hancock:
  • Product, pricing, and underwriting changes – effective May 19^th
    Effective May 19^th, there will be several changes to our product and pricing on the Custom Care III and Custom Care III featuring Benefit Builder products. Additionally, we will be introducing a shortened application and revised underwriting process. Please note: Paper applications for current rates and benefits must be signed on or prior to May 18^th and received in the home office by May 19^th. LTC Captivate business will need to be signed and submitted to us through the system on or prior to May 18^th.
  • Temporary suspension of business in California – effective May 19^th
    Effective May 19^th, John Hancock is temporarily suspending sales of all LTC products in California, until their product pricing has been updated and ready to implement. They expect to have their revised product available in California in the next few months. Paper applications for current rates and benefits in the state of California must be signed on or prior to May 18^th, and received in the John Hancock home office by end of day May 26^th. For your convenience, applications can be faxed into New Business at 800-932-4305 and you may also notify your JH Dedicated Case Manager.
  • Massachusetts 8 Hour NAIC LTC training – due by July 1^st
    All producers must take an eight-hour NAIC Partnership course effective July 1, 2014 in order to continue soliciting and selling LTC Insurance. If you have taken an eight-hour NAIC Partnership Course from another state, you can take a two-hour Massachusetts supplement course. To view the required eight-hour and two-hour courses go to www.jhpartnership.com.

• Mutual of Omaha:
  • Completing the MutualCare Solutions Application – training presentation

• 12 facts you should know about disability insurance
  Trying to expand the scope of your practice? Here’s your crash course in underwriting basics, short-term disability and taxation of benefits.

• Mutual/United of Omaha:
  • Disability Insurance Awareness Month – start the conversation with prospects!
    Review this flyer to see a sampling of the consumer marketing materials that are available to you.
  • Disability Insurance Awareness Month – social media content for you!
    Use this social-media content during the month of May for Disability Insurance Awareness Month!

• 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.

• 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.