May 7, 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 8^th – 2:00 PM CT
  • 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:
  • Annuity & Accident & Health Training Webinar Series
  • May 28^th – 1:00 PM CT – Accident & Health
  • Life Insurance training
    • May 15^th – 2:00 PM ET – AG Quick Ticket

• 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 7th – Understanding how to run illustrations
  • BOLD Estate Planning
    • May 8^th – 1:00 PM CT
  • Term Enhancements
    • May 22^nd – 1:00 PM CT

• North American:
  • North American’s Fast Track
    Get up-to-speed with North American’s latest features. This Webinar will put you on the inside track to sales with the latest information on illustration software, and Website features like videos and sales concept kits.
    • May 8^th -10:00 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

• Make selling easier
  Does selling seem like it’s gotten harder lately? Here are 4 reasons selling is so tough and some tips for making it easier.
• All riders are not created equal
  With long-term care and chronic illness riders, the devil is in the details. Know the differences before you recommend options to your clients.
• New parents ignoring life insurance
  First-time parents are taking a big gamble, with just one in five saying they had either taken out life insurance or reviewed their existing protection in preparation for the birth.
• What if you couldn’t prospect?
  Try this little exercise to gauge how well you’re taking care of your clients. Would you be able to survive on just their referrals?
• How a life insurance policy can fund your client’s long-term care
  A senior healthcare advocate shares how life insurance can pay for assisted living and home care.
• Who is the Sandwich Generation? – infographic
  Among adults in their 40s and 50s with incomes of $100k or more, 43 percent have a living parent age 65 or older and a dependent child.

• North American:
  • New Business Team Meetings

• AIG/American General:
  • Elite Index II
    Elite Index II provides cost-effective permanent life insurance with the potential for cash value accumulation, tax advantages and premium flexibility, all wrapped up into one policy. Now available with a new chronic illness rider, choice loan option, higher cap and participation rates. Learn more today and provide your clients with life insurance they don’t have to die to use. View the top reasons to sell Elite Index II.
  • Provide clients with innovative IRA wealth transfer solutions
    Learn how to maximize after-tax value of clients’ IRAs or eliminate taxes paid on an IRA inheritance. Use the consumer brochure with your clients. And, get training materials by viewing the presentation, introduction video, and two strategies video.
  • New AG Select-a-Term rates now available in Connecticut
  • Video tour available for the Advanced Markets website
  • Visa Holder and Foreign National Guidelines – updated
  • Foreign Travel Guidelines – updated

• Genworth:
  • Supplemental Retirement Income – IUL sales idea
  • Producer commission schedule required for Colorado producers
  • Total Living Coverage (TLC) linked benefit product
  • Advantages of full underwriting
    With simplified underwriting, the lack of detail may mean that with one simple question your clients are declined, no matter what. We want to know more.
  • Worth the Wait Fact Sheet
  • Is Faster Really Better Case Study
  • Full Underwriting Module
  • TLC Simulator
    Whether in your office or visiting a client, you can use the TLC Simulator to explore your client’s unique needs and provide potential personalized solutions. Show your customers how the fast, flexible, and interactive web-based tool can meet their unique goals – on the spot. The TLC Simulator is available on computer, tablet and iPad.
  • TLC Sales Ideas
    There are many valuable tools available to help you educate your clients on how TLC can answer their needs. See what TLC has to offer and pass it on to your clients:
  • Pivot from UL to TLC
  • Pivot from LTCI to TLC
  • Target the right customer
  • CD vs. Linked Benefits
  • Asset Reallocation (“Lazy Money”)
  • 1035 Exchange to GenGuard UL and TLC

• ING:
  • IUL – Protector & IUL-GDB are now available in Pennsylvania
    Protector UL will be 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 flyer lists what states impose these taxes and what this may mean for clients.
  • Retirement Financial Defense: How Life Insurance May Add to Your Retirement
    This new consumer brochure provides an overview of the many ways that cash value life insurance can help with clients’ retirement planning – providing a “financial defense” against both the expected and unexpected events that may occur.
  • Acknowledgement In Lieu of Illustration Submission form – updated
    The Acknowledgement In Lieu of Illustration Submission form – used in all states (except PA and NY – has been updated.
  • Announcing the new Premium Deposit Fund (PDF) Rider!
    Why is it good for your client? Find out here.

• Legal & General America:
  • New marketing materials on the OPTerm microsite
    New materials are available; providing you with new opportunities to talks sales with your brokers.
  • Two Paramed vendors now offer real-time exam scheduling for AppAssist

• Lincoln National:
  • Lincoln LifeReserve Indexed UL Accumulator (2014) – updates effective May 12^th

• MetLife:
  • Customize your Whole Life product presentations with Whole Life Up Close
    Research with producers and clients uncovered a common theme: It can be as difficult and complex for producers to explain all of the intricacies of whole life as it is for clients to absorb and understand this information. The Whole Life Up Close app can help by allowing you to interactively show whole life concepts and the impact they may have on policies.

• Minnesota Life:
  • Term enhancements – effective May 19^th
    Advantage Elite Select policies have been enhanced.
  • The new Benefit Distribution Agreement (BDA) – available exclusively through Quick eApp on Advantage Elite Select policies – guarantees an income stream for clients’ beneficiaries.
  • Optimization changes:
  • Lower Express Issue minimum on 10- and 20-year plans
  • Rate and policy fee changes for Band 2 on 5- and 10-year plans. Favorable changes in many age/face combinations under age 65. Not all changes will result in lower premium.
  • Maximum face amount limit on 5- and 10-year plans

• Mutual/United of Omaha:
  • Maximum Face Amount increased for Fit Underwriting Credit Program
    Fit underwriting credit program increased maximum face amount to $5 million.
  • Comparing the Chronic Illness vs. LTC rider
    Check out the comparison between the Chronic Illness and LTC riders.
  • Maximum premiums raised on Universal Life products

• North American:
  • Custom Guarantee Gen 8
    This universal life insurance product offers control and flexibility in the Accelerated Death Benefit Endorsement. With this endorsement, your client can accelerate a portion of the death benefit in case of an unexpected critical, chronic, or terminal illness. PLUS:
  • It’s included at issue for no additional premium cost
  • No additional underwriting (must be Table 4 or better)
  • Electronic Funds Transfer (EFT) form – revised

• Protective:
  • Custom Choice UL
    Is a level-term policy really the best option for clients who need short-duration life insurance coverage? What if clients realize they still need life insurance coverage but the amount they need has lessened? Custom Choice UL is a solution that offers decreasing coverage without an increase in out-of-pocket cost as client’s age. Get more information on the Custom Choice UL microsite.
  • Lab results now available via Inside Look online by ExamOne
    Protective Life is pleased to announce that life insurance applicants can now conveniently access lab results using Inside Look online by ExamOne.
  • New Reinstatement Application & Policy Change form

• Prudential:
  • PruLife Founders Plus UL – 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. It also includes:
  • Founders Plus Consumer Guide
  • 10 Marketing Ideas in 10 Minutes
  • Sales Ideas
  • PruTerm One – life insurance protection – one year at a time
  • Consumer brochure
  • Business Bridge Loan – client strategy
  • How PruTerm One works – presentation
  • Fast Facts
  • Product portfolio – overview
  • 3 new advanced marketing client brochures
    Three new client brochures are now available focusing on asset repositioning strategies for the wealth transfer marketplace.
  • Dynasty Trust
  • Zero Estate Tax Planning
  • Leveraged Gifting

• Symetra:
  • Policy Review – are your clients’ life policies keeping up with their dynamic lives?
    Change is inevitable. The dynamics of life will often require your clients to reassess their personal needs; as the things that once suited their lifestyles don’t necessarily suit them now. A routine reassessment of their life insurance needs should be no different. A policy that was appropriate for them five years ago may not be appropriate in their world today. Help your clients complete a routine life insurance policy review and make sure their existing coverage still meets their current needs.
  • GoodLife Rewards – clients can earn credits for healthy habits
    Symetra GoodLife Rewards is an underwriting crediting program designed to reward clients age 70 or younger for their good health by upgrading them to better underwriting classes. Available with Symetra Classic Universal Life Insurance, the program uses credits to offset table ratings up to three tables, and can provide rate class improvements up to Preferred Non-Nicotine.
  • Benefits of Trust Planning in New Tax Paradigm
    Life insurance can be an effective vehicle for increasing the wealth that passes to your clients’ beneficiaries. But with a life insurance policy properly structured in a trust held outside of the estate, their assets can work even harder. Not only can trust planning using life insurance create a larger legacy for your clients, it can provide more options to efficiently transfer assets. To see how, check out the latest presentation and success story.

• Transamerica:
  • Foreign Nationals resources
  • Producer Checklist
    Guide to doing business to ensure the Foreign National Application is complete.
  • Strategy Summary
    Explains market opportunities and client profiles.
  • Underwriting Guidelines
    Comprehensive guide includes tips on expediting underwriting.
  • Country Code Chart
    Quick reference, interactive chart for qualifying Foreign Nationals.
  • Estate Planning Flowchart
    Easy-to-use chart helps determine client’s tax liability.
  • U.S. Estate & Gift Taxation Reference Guide
    Provides examples of taxable assets and exclusion amounts for resident and non-resident aliens.
  • Worth Article
    Explores some of the tax implications of owning U.S. property as a Foreign National.
  • Producer Presentation
    Comprehensive look at solutions and selling strategies.

• It’s splitsville: Divorce and SPIAs
  What is one sure-fire way to mess up a financial plan? Try divorce! Well, don’t try it, but look at divorce as a bad retirement example.
• GLWBs and LIBRs: Which rider fits?
  Even the most astute financial professional may have difficulty navigating the maze of features that can attach to an annuity.

• AIG/American General:
  • Platinum Income Annuity & Future Income Annuity have been re-branded
    Read the re-branding letter. View the re-branding FAQs.
    • Platinum Income Annuity is now the “American Pathway Immediate Annuity”
    • Future Income Annuity is now the “American Pathway Deferred Income Annuity”

• American National:
  • Give your client 17.2% more income ASIA PLUS Lifetime Income Riders
  • Why you should be selling the Value-Lock 10 Annuity
    Do you have clients who are looking for opportunity to earn higher interest but want the protection of the premium paid not declining? The ANICO Value-Lock Annuity may be the answer.

• Genworth:
  • What’s $100K Worth? – sales idea

• ING:
  • RenewalFLEX feature now available in IN
    Get the state approvals and rate sheet for ING RenewalFLEX.
    Transition Rules:
  • For applications received on May, 5, 2014 through May 19, 2014:
  • All ING Secure Index 5 and Secure Index 7 contracts issued on May 5, 2014 will be issued with the ING RenewalFLEX.
  • The updated product disclosure will not be required during this window; however, a letter from ING USA Annuity and Life Insurance Company will be sent to the client and the client’s agent informing them of the rider being added to their ING USA Index Annuity contract which will contain disclosure language.
  • For applications received after May 19, 2014, 2014:
  • The updated ING Secure Index 5 and ING Secure Index 7 product disclosure will be required for submission of the application.
  • For states that have not approved the ING RenewalFLEX:
  • The ING RenewalFLEX will not be applied to the contract.
  • The ING Secure Index 5 and ING Secure Index 7 will feature the same characteristics as they do today.

• Lincoln National:
  • Changes to Lincoln Lifetime Income Edge – effective May 15^th
    Changes to Lincoln Lifetime Income Edge (LINC Edge) will be effective with new issue and post-issue rider elections received on or after May 15, 2014.

• LTC: The financial impact
  Many of you know all about this stuff. If you don’t, fix that.

• Genworth:
  • 2014 marks the 40th year Genworth has been dedicated to long term care
    This message includes links to several videos that were recorded; answering questions received over the last year.
  • In-Force Rate Action announcements:
  • Oklahoma
  • Minnesota
  • Oregon
  • Arkansas
  • LTC Business Solutions new Suitability/Personal Worksheet & HIPAA Authorization
  • LTC Education
    To help your clients build long term care plans, you need the best information you can get.
  • 2014 Cost of Care Survey from Genworth
  • Cost of Care 2014 Full Report
  • Executive Summary
  • Methodology
  • The Cost of Long Term Care Brochure
  • LTC 101 – The Basics: Presentation
  • LTC 101 – The Basics: LTC fact sheet

• Mutual of Omaha:
  • MutualCare Solutions software enhancement

• Transamerica:
  • LTC News
    In this issue:
  • Back to the LTCi Basics – Optional Care Coordination
    When stand-alone policyholders make a claim, we provide cost-free access to a Care Coordinator who will help guide them through resources to fulfill their care needs.
  • LTC Essentials 2014 Brochure
    A single, convenient brochure to consolidate three favorite Transamerica LTC consumer materials so you have one place to go to get the information your clients need.
  • Multi-Life Billing enhancements
    Split billing for multi-life cases is now easier for both you and your clients.
  • Underwriting Reminder – Insulin Use
    Diabetics using insulin for any reason will no longer be considered for coverage.
  • DRA Partnership policies for TransCare III now available in MD & WY when using a paper application.

• 1 in 4 of today’s 20 year-olds will become disabled before they retire
  Don’t just tell your clients this, show them using this story.
• 12 facts you should know about disability insurance
  Here’s your crash course in underwriting basics, short-term disability and taxation of benefits.

• 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!

• 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.