May 21, 2014

• Accordia Life:
  • 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 29^th – 2:00 PM CT

• American General:
  • Accident & Health: Critical Care Plus
  • May 28^th – 1:00 PM CT

• 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
  • Offering affordable & meaningful LTC coverage today
    The Long Term Care insurance market is changing rapidly. Genworth has gathered a lot of claims and market research data that provide thought-provoking insights into some of those changes and what they mean for your business. Register now to learn ways to leverage Genworth’s market intelligence to help expand your customer base and grow your business.
    • May 29^th – 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
  • Term Enhancements
    • May 22^nd – 1:00 PM CT

• Ways to help divorcing clients protect their assets
  Advisers don’t have to be divorce experts to help clients take these necessary steps.
• Disaster-avoiding strategies for retirement beneficiaries
  The problem: leaving an individual retirement account – an IRA or a 401(k) – directly to one’s estate.
• 7 retirement planning risks you may not have considered
  According to The American College, retirees face 27 risks. It’s important to keep clients informed of those potential roadblocks to a happy retirement.
• Life insurers treat e-cigs just like other cigarettes
  Real cigarettes and fake cigarettes: same thing to insurers.
• Financial power of attorney: weighing the benefits
  Not only can the power of attorney give the client peace of mind; it might also help you do your job more easily as well.
• Longevity Riders Can Turn GUL Into A Retirement Income Source
  A lifetime income rider on guaranteed universal life may offer clients affordable protection against outliving retirement income.
• Lincoln Tweaks Indexed Universal Life Offerings
  The changes allow for more diversification, better crediting methodologies and lower volatility as a way to boost the policy’s income and growth potential.
• Survey Finds New Mothers Under 30 Least Likely To Own Life Insurance
  Less than 20 percent of new mothers under the age of 30 have life insurance, a survey found.

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

• Legal & General America:
  • AML training part of UL policy issue requirements

• MetLife:
  • FATCA – effective July 1^st
    FATCA is a U.S. tax law enacted to combat tax evasion by U.S. taxpayers and to improve tax compliance. The FACTA requirements take effect on July 1, 2014.

• North American:
  • Social Media 102: Recruiting – video
    This video explains how to use LinkedIn as an online search engine for agents. It also provides helpful instructions on how to draw agents in with carefully crafted language and how to make your company stand out among competitors.

• Transamerica:
  • Global Link Solutions – new sales channel

• AIG:
  • Prospecting Materials – microsite
    If you are in need of prospecting materials for new or existing clients, this site is for you.
  • AG Asset Protector – product combinations to maximize protection – video
  • What happens when 401(k) or IRA plans don’t work as intended?
    It’s entirely possible that withdrawals from a client’s 401(k) or IRA plans will be subject to higher taxes in this new economy. If this is the case for your client, learn how to provide creative solutions with life insurance.
  • Customize a term sale with AG Select-a-Term
    Learn how AG Select-a-Term’s customizable term period allowed the client to buy only the exact coverage needed and save a significant amount over the life of the policy.
  • Considering Index Universal Life insurance?
    Read this sales concept to find out about how Index Universal Life insurance compares with Guaranteed Universal Life insurance to see which one may be a good fit for your clients.

• Genworth:
  • Help your clients start conversations that matter with updated materials
    The updated Let’s Talk Life is written specifically for consumers, and is filled with updated information that highlights what life insurance can do – from providing death benefit protection to potentially generating supplemental retirement income.
  • Thinking about linked benefits products? Total Living Coverage should be on your list.
    TLC offers higher credited interest rates, stronger guarantees and better protection than its leading competitors. That means more value for your clients.

• ING:
  • The Premium Deposit Fund (PDF) Rider
  • View the PDF flyer
  • Now available in California
  • Why is it good for your client?
  • PDF 5-minute presentation
  • Wealth Transfer – Life Insurance as an Asset Class – presentation
    Cash value life insurance has a unique combination of potential advantages that make it efficient in transferring wealth. This short presentation gives a quick review of the concept and tools available.
  • Retirement Planning – What’s Your Retirement Back-Up Plan?
    Show clients the often unexpected risks to retirement security as well as the benefits of cash value life insurance in creating a flexible retirement back-up plan.
  • 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

• Lincoln National:
  • Introducing the NEW Lincoln LifeReserve IUL Accumulator
    Now clients can have more predictability and tax-efficient income potential. The Lincoln LifeReserve Indexed UL Accumulator (2014) product refresh provides the same great features, pricing and benefits plus new, exciting enhancements. See the materials below.
  • Client Guide
  • Client Fact Sheet
  • Rates At-A-Glance
  • Retirement Income – case study
  • Exec Rider Fact Sheet (Also see the Exec Rider Fact Sheet for MA)
  • Competitive Advantages
  • Historical Percentiles
  • Top Tips for Illustrating
  • Lincoln LifeEnhance Accelerated Benefits Rider materials
  • Client Flyer
  • Client Guide
  • Tax-efficient retirement planning materials
  • Beyond Retirement Plan Limits
  • Get Ready for a Tax-Efficient Retirement

• MetLife:
  • 3 elements of a Cover Letter that moves business
    Cover letters are a critical part of the underwriting process, filling in the blanks that an application may create. A well-written letter that includes background on a client’s risk factors can help move the application through underwriting quickly, while a poorly written one – or no cover letter at all – could result in numerous conversations with the underwriter or a quick decline.
  • One-minute trainers – illustrations made easier with this Solutions e-library
  • Promise Whole Life – marketing playbook
  • Whole Life Up Close – iPad APP
  • Recent mailing to Wisconsin policy owners

• Mutual/United of Omaha:
  • Disability Continuation of Planned Premium Rider – NEW – effective June 1^st
    This new rider will be available for AccumUL Plus on June 1^st.
  • Give your clients protection that’s guaranteed for life
    Discover the benefits of a shortened payment plan for your clients.

• North American:
  • When is Standard better than Preferred?
    Did you know a Standard rating can mean a lower premium payment on a life insurance case than the same case rated Preferred with another carrier? The link above provides a comparison of North American’s Custom Guarantee UL to competitors.

• Protective Life:
  • Is this fact or fiction? Dogs age at seven years per one human year.

• Prudential:
  • PruLife Founders Plus UL is a flexible, cost-effective alternative to traditional UL
    Along with death benefit protection, Founders Plus offers an extended no-lapse guarantee and a choice of two accounts that help accumulate cash value. The Founders Plus Producer Guide helps you explore these benefits and shows you how to identify potential clients and markets.

• Transamerica:
  • New production incentives – be sure to check out the incentives section below!

• AIG:
  • Annuity product name change announcement
    AIG’s fixed, immediate and deferred income annuities have taken their new global AIG brand look and product name. Fixed Annuities “Horizon” product series re-branding will be effective as of June 1, 2014.

• American National:
  • LIR Dash for Cash incentive – check out the incentive section below!
    Applications for ASIA PLUS annuities sold with a Lifetime Income Rider that are submitted and paid between 5/15 and 8/15 earn CASH!

• Genworth:
  • Transfer Authorization form no longer required for direct rollovers
    As more and more potential customers are retiring, we have the opportunity to secure retirement funds and put them into an individual retirement annuity (IRA). IRA’s may also receive qualified or TSA 403(b) plan distributions upon the death of plan participants. Genworth no longer require a Transfer Authorization form for direct rollovers of funds from a qualified or TSA 403(b) plan into a fixed IRA. They have generally found that qualified and TSA 403(b) plans prefer to use their own forms to authorize a distribution.
  • Release date for SPIA Acknowledgement form & Suitability Profile form is now May 19^th
  • View the current annuity rate flyers

• Genworth:
  • LTC training requirements for Massachusetts – reminder

• John Hancock:
  • Product, pricing, and underwriting changes – effective May 19^th
    On May 19^th, there will be several changes to John Hancock’s product and pricing on the Custom Care III and Custom Care III featuring Benefit Builder products. Additionally, they will be introducing a shortened application and revised underwriting process.
    Important New Business transition guidelines for product changes:
    Paper applications for current rates and benefits must be signed by May 18^th and received in the home office by May 19^th. LTC Captivate business will need to be signed and submitted through the system by May 18^th.
  • Temporary suspension of business in California – effective May 19^th
    On May 19^th, John Hancock is temporarily suspending sales of all LTC products in California; until their product pricing has been updated and they are ready to implement. They expect to have their revised product available in California in the next few months. Important Transition Guidelines: Paper applications for current rates and benefits in the state of California must be signed by May 18^th and received in the home office by May 27^th.
  • Watch FREE BROADCASTS from the National LTC Sales Summit May 18-20
    Broadcasts from the National Long Term Care Sales Summit – being held in Kansas City – can be accessed by visiting www.InsuranceExpos.com and clicking the To Register for Free button. This is a great way for you to stay on top of the latest industry developments. Click here for a list and schedule of key sessions.
  • 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:
  • LTC Services: What’s the Cost?
    Help your clients understand what they can expect to pay for LTC services in their area.

• Transamerica:
  • LTC News
    • Back to the LTCi Basics: A claims history your clients can trust
      Knowing your LTCi carrier has a history of paying claims is essential to building trust. Transamerica LTC Claims statistics confirm we follow through on our promises.
    • Does the middle market matter for LTCi?
      Is expanding your LTCi business to the middle-class majority a worthwhile idea? Transamerica LTC conducted an in-depth survey to gauge interest and find the answer.
    • Mandatory MA LTC and MassHealth training
      Massachusetts has revised requirements for LTCi training courses that must be completed by July 1.
    • LTC report released by Bipartisan Policy Center
      A distinguished nonprofit organization has released initial findings on how LTCi can work with government funding to help finance the country’s future long term care needs.

• What if your client has a stroke?
  Stroke is not a glamor condition right now, but it’s certainly something for consumers to think about.
• View this great success story to share with clients about disability
• Surprising Facts About Women and Disability Insurance
• Financial impact of disability lost on Americans
  Currently, 70.5 percent of Americans 80 years old or older identify themselves as having a disability.

• Mutual/United of Omaha:
  • Disability Insurance Awareness Month
  • Social-Media content for YOU!
    Use this social-media content during the month of May for Disability Insurance Awareness Month!
  • Make the most of what you know
    Use this flyer to see the tools and resources you need to reach out to clients and prospects about their disability insurance needs.

• 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.
  • LIR Dash for Cash (5/15/2014 – 8/15/2014)
    Apps submitted and paid between 5/15 and 8/15, earn cash for ASIA PLUS annuities sold with a Lifetime Income Rider!
    • Annuity Level: $500,001 – $750,000 = $750 Bonus
    • Annuity Level: $750,001 – $1,000,000 = $1000 Bonus
    • Annuity Level: $1,000,000+ = $1500 Bonus

• 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.

• Transamerica:
  • Break Away and Travel with Transamerica (4/1/2014 – 12/19/2014)
    • Agents who place $25,000 of premium (minimum 3 TLIC life applications) will earn a 3-day vacation package valued up to $1,400 for yourself and a guest.
    • Agents who place $75,000 of premium (minimum 5 TLIC life applications) will earn a 5-day vacation package valued up to $5,000 for yourself and up to 3 guests.
  • Leading Distributors Convention in Barcelona (1/1/2014 – 12/31/2015)
    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. View the producer flyer.