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 22nd – 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.
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 22nd – 2:00 PM ET
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
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 14th – 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.
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.
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.
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.
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.
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.
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.
Benefit Distribution Agreement – available May 19th
With the new Benefit Distribution Agreement (BDA) – available May 19th on new Advantage Elite Select policies – your clients can guarantee a monthly or annual income stream for their beneficiaries.
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.
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.
Fact or Fiction?
If you swallow chewing gum, it will stay in your stomach for up to seven years.
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.
Product, pricing, and underwriting changes – effective May 19th
Effective May 19th, 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 18th and received in the home office by May 19th. LTC Captivate business will need to be signed and submitted to us through the system on or prior to May 18th.
Temporary suspension of business in California – effective May 19th
Effective May 19th, 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 18th, and received in the John Hancock home office by end of day May 26th. 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 1st
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.
Disability Insurance Awareness Month – social media content for you!
Use this social-media content during the month of May for Disability Insurance Awareness Month!
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.
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 1st, and then again on October 1st. To win an iPad or Android Tablet, you need to focus on financial institutions!