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May 29, 2013





  • American General:
  • Genworth:
  • ING:
    • The New Era of Wealth Transfer Planning #3: How Long Is Permanent?
      Congress has passed legislation to change the federal transfer tax laws 19 times since 1976 and clients should not assume the current transfer tax benefits will be there when they need them. This new producer flyer gives a history of the changes and why there may be more changes coming.
    • Individual life insurance rate changes
      Changes have been implemented to Index Universal Life product participation rates, Index Universal Life product caps and crediting interest rates on Individual Life Insurance products.
    • Are you using the correct HIPAA Form?
      Old versions of HIPAA form no longer accepted effective July 1st. View the link above to get details and to access the correct version of the form.
  • Legal & General:
  • Lincoln Financial:
  • MetLife:
    • Have you heard that Promise Whole Life Select is providing solutions to clients?
      Do your clients want competitive income streams during retirement? Do they want to have a paid-up policy in a specified duration? Find out how you can answer these life insurance needs.
  • North American:
    • HIV Consent form requirement changes for DC & MTupdates
  • Prudential:
    • UL and SUL Protector limitations
      Limitations have been implemented on applications with premiums indicated or illustrated in excess of certain limits on UL & SUL Protector products. This change went into effect May 13th.
    • Big ideas, mini-kits, and redesigned trimester kitsnow available
      The trimester kits have been redesigned to be more focused and more effective at driving sales! The kits provide an effective, systematic approach to meeting with clients and prospects and to discussing each concept. Click on the links below to see the action plans, conversation points, and sample materials included in the eKits!
    • Breast Cancer guidelinesupdated
    • Driving guidelinesrevised
    • Underwriting Overview – including foreign travel & residence – revised brochure
    • Express Identification & Rx Checkunderwriting update
      An instant Data Verification Report (DVR) has been implemented. This DVR called “X-ID” will be ordered automatically on all applications where the initial amount at risk on any life to be covered is $100,000 to $500,000. Since it only checks three key identifiers — name, year of birth and Social Security Number–the X-ID report is quickly updated. It also has many automated features to uncover potentially significant identification “disconnects” with a reasonable threshold for unintentional errors or oversight.
  • Transamerica:
    • ACE interest rate changes
      Threshold interest rates have increased 15 basis points for TransACE 2013 and TransACE CV and have increased 5 basis points for TransACE Survivor 2013. Click here to view threshold interest rates for TransACE, TransACE CV and TransACE Survivor products. Click here to review the New Business process for products with Real Time Pricing. Sign up to receive a text message alert when ACE interest rates change. Text ACE-RATES to 36698.
    • Final Expense products now available in MD
      The new Immediate, 10 Pay and Easy Solutions final expense products are now available in Maryland. These products offer competitive premiums, straightforward underwriting, face amounts up to $50,000 and a Children’s/Grandchildren’s Benefit Rider with Immediate Solution.
    • Final Expense Riders in TXIMPORTANT UPDATE
      The Department of Insurance for Texas recently conducted an audit of the Accidental Death Benefit Rider and Children’s/Grandchildren’s Benefit Rider on the enhanced Solutions Series Final Expense products. The Accidental Death Benefit Rider and Children’s/Grandchildren’s Rider will not be issued on any applications that are written after May 25, 2013 until the forms are approved by the Texas department of insurance.
    • Trendsetter LB (Living Benefits) now available in IL
      Trendsetter LB (Living Benefits) is now available in Illinois. Trendsetter LB features Chronic, Critical and Terminal Illness Accelerated Death Benefits built into the product (subject to state availability). In addition to living benefits, Trendsetter LB offers non-med underwriting options up to $249,999 and a choice of 10, 15, 20, 25 and 30-year level terms. A Monthly Disability Income Rider is also available on this product at an additional cost and upon approval. View the information below for more details.
      – Trendsetter LB State Availability
      – Trendsetter LB Product Guide
      – Trendsetter LB Quick Facts
    • Hypothetical Illustration for TransACE LTC Rider now available in AZ
      The Long Term Care Rider on TransACE 2013, which provides long term care protection in the event that the insured becomes chronically ill, can now be run with a hypothetical illustration report in Arizona. The hypothetical Illustration provides additional LTC Rider information and demonstrates potential claim scenarios. The hypothetical report does not need to be signed and is not required with the formal application.
  • United of Omaha:
    • Be flexible! Save cases from sticker shockpresentation
      Every producer has been there – a client who is ready to buy until the price is revealed. But by better adapting an initial life recommendation to a client’s needs, a producer can avoid sticker shock and save the sale.
    • Underwriting advantages
      Make sure you give United of Omaha another look for your upcoming life cases. With underwriting strengths such as unisex build charts and favorable cholesterol and blood-pressure criteria, they could be your best option for great rates.
    • Final Expense solutions
      Living Promise Whole Life features level-benefit and graded-benefit plans to provide final expense options at a competitive price. Plus, Living Promise accidental death riders offer even more flexibility for clients. Check out the overview and product details to learn more.
    • Pharmaceutical checks
      Effective immediately, Pharmaceutical Checks (Rx) will be conducted on all fully underwritten business.
    • Expanded issue ages on Term Life Answers in NY – effective June 1st




  • Aviva:
  • 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 (February 11 – June 30, 2013)
      Receive 1% Commission Blitz Bonus Special on all RetireChoice applications received between February 11th and June 30th.
  • Transamerica:
    • Spring Bonus Program (April 1 – September 30, 2013)
      Transamerica is offering this limited-time incentive bonus program on TransACE and TransACE Survivor life insurance policies.