Weekly Newsletter November 27, 2013

November 27, 2013

• 4 Specialty Trusts Your Clients Might Need
  Do your clients want more control over how heirs spend their money?
• LTCI Deduction Limits Creep Higher
  For consumers who are eligible, the savings can be substantial.
• Rollover Contributions to Hit $470B by 2018
  A significant portion of newly rollover-eligible assets actually does roll over in that year, evidence suggests.
• The End is Near!
  With just a few weeks to go in 2013, here is a list of ideas to boost your holiday sales.
• Another Perfect Storm
  Retirement plan decumulation storm is rolling in. Boomers must take strategic action now!
• Help to Family Rivals Retirement for Many Boomers
  The survey reveals that six in 10 pre-retirees would retire later or work longer to financially support family members.
• Insurance Regulation: 5 Things to Watch in 2014
  Want to prepare for potential changes in the year ahead? Keep your eye on these five areas.

• American General:
  • 2013 year-end life processing dates
• Aviva:
  • 2013 year-end processing deadlines
  • 2013 year-end producer bonus
• Genworth:
  • Important upcoming deadlines
    – New Business Cut-Off
    – Final 2013 Commission Payments
    – 1099 Distribution and MDRT Certifications
• ING:
  • 2013 end-of-year new business & commissions deadlines
  • End-of-year sales opportunities
  • 2013 has been a year of important changes resulting in additional opportunities to provide clients with life insurance solutions to help meet their needs. Read about these and other ways to grow year-end sales.
• John Hancock LTC:
  • Year-end new business information
    The countdown to year-end is on! For cases you are targeting to include in your 2013 sales results, please note that all LTC requirements and full modal premium must be received in New Business by December 20^th to ensure completion of underwriting, issue and case payment by December 31^st.
• Legal & General America:
  • Year-end closing dates
• Lincoln:
  • Consolidated year-end close-off dates
• MetLife:
  • Products, programs and tools to help meet year-end goals
  • With all the effort you’ve put in this year, MetLife wants to help get your remaining cases placed. Take a look at: Clean Apps Make a Difference flyer.
• MetLife DI:
  • 2013 year-end cut-off dates
• Minnesota Life:
  • Year-end processing guidelines
• North American:
  • Important year-end closing and processing dates
  • Time to collect fourth-quarter sales and submit your business!
    North American has put together three great sales ideas to help you make the extra push this year. With new products, conversion options, and sales concept kits, there’s no time like the present to submit your life insurance business with North American.
• Protective Life:
  • Year-end dates
• Prudential:
  • Year-end dates
• Symetra:
  • Deadlines for year-end business
  • New tools to help increase year-end sales:
    • Changing Marketplace flier reviews significant changes that have occurred in the Guaranteed No-Lapse marketplace.
    • Three Smart Reasons to Convert Now flier provides compelling reasons why clients may want to convert their current term policy into permanent coverage.
• Transamerica:
  • Year-end Processing Tips
    To help avoid delays and to help ensure cases are processed as quickly as possible, please review New Business Processing Tips.
• United/Mutual of Omaha:
  • End of year pay and new business deadlines
    The last pay cutoff in 2013 is December 23^rd.

• American General:
  • New dedicated service model! Click here to learn how American General has combined relationships, speed and technology to deliver superior service.
• ING:
  • NEW: Click to view New York Regulation 60 procedure reminders.
  • The December edition of Life HealthPro features an article by ING U.S.’s Kurt Fasen, Senior Vice President of Insurance Sales Support which discusses how insurance plays a key role in retirement readiness. View article
• iPipeline:
  • Connections 2014: Registration is open for iPipeline’s User Meeting & Conference.
    View details
• Lincoln:
  • 2013 MoneyGuard Qualified LTC Rider Tax Reporting – click here to view the annual reminder about 1099s for MoneyGuard products.
• Symetra:
  • Symetra’s national advertising campaign continues through the fall, with more big television ads, fresh new online content and more. Combined television, web and print content has already generated approximately 81.7 million potential customer impressions with more to come! The Sports Illustrated Rising Stars program profiles up-and-coming athletes in professional and college football, college basketball and the 2014 Winter Games. The “I Just Want to Fly” national TV ad is running on the NBC Sports Network, including prominent placement during Notre Dame football games. Click here to preview the ad.

• American General:
  • REMINDER: AG Secure Lifetime GUL II, AG Secure Survivor GUL II & Lifestyle Income Solution are available in New York. Click to view the NY Playbook to see all the solutions available in NY.
• Aviva:
  • A special year-end bonus is in effect for producers. View details
• Genworth:
  • According to a recent LIMRA survey, 69% of consumers did not know that life insurance benefits are generally tax-free. Click to view a new video from Charlie Gipple, National Director of Index Products, The Seed vs. The Harvest.
• ING:
  • What rate should be used to illustrate IUL? Refer to history to create a level playing field when illustrating and comparing IUL products. Click to view Historical Percentile Rate Guide.
• North American:
  • Effective December 2nd: new & improved application for policy conversions, changes or reinstatements AND a new and improved general purpose life application!
  • Custom Guarantee UL: Core protection with added benefits.
• Prudential:
  • Adding BenefitAccess to a UL Protector policy means getting multiple levels of protection. Learn more
  • PruLife UL Protector with BenefitAccess Rider is available in Connecticut & Florida.
    View details
• Transamerica:
  • The Long Term Care (LTC) rider on TransAce is now available in New Jersey. For rider details and state approvals, visit LTC Microsite. New consumer materials are available and can now be used in DE. Click to view consumer brochure, Guarantees Matter consumer flyer & Smart Combination consumer flyer.
• United of Omaha:
  • GAME ON! TLA & GUL Reprice – big things are coming your way so don’t be left on the sidelines.

• Fixed-Rate Deferred Annuities Fuel Sales in Q3
  All product classes improved in sales, except variable annuities, according to latest LIMRA stats.
• AIG Pushes Fixed Annuity Sales at Banks to Lofty Heights
  For the first time in nine quarters, fixed annuity sales outpaced variable products.
• 13 Ways an Annuity Can Benefit an Estate Plan.
• Will Fixed-Rate Annuity Assets Stay or Bolt From Banks?
  As surrender charges expire, where the fixed-rate annuity was sold can have a major impact on the fate of the assets held in the contract.

• American General:
  • With the introduction of the new AG Choice Index 10 and Power Index Plus products, the AG HorizonIndex (9 & 12), AG Global Bonus Index and AG Global 8 Index products will be closed to new sales effective December 31, 2013. View bulletin
  • Effective December 31, 2013, American General will discontinue Medical Underwriting Option for SPIAs and DIAs. View bulletin
• American National:
  • Hurry! ASIA Plus Cash Bonus Ends November 30th!
  • NEW: ASIA PLUS state approvals for OR & NJ.
• Genworth:
  • Click to view state replacement regulation reminder.
  • Deadline for annuity applications for 2013 commissions.
• North American:
  • Fixed Index Annuity interest rates decreased effective November 26, 2013.
  • Upgraded. Enhanced. Enriched. Just a few words to describe the re-engineered Optional Income Pay. View bulletin
  • Get in the RED Zone… and SCORE! Earn up to 1% additional commission!
  • Time to get your slice of the pie! Watch this video to find out how much commission is still to be paid this year.
• Symetra:
  • Questions about SPIAs? Symetra’s new SPIA hotline can help! View details

– Resource Guide
– Let’s Talk materials
– Multimedia news release
– Beyond Dollars 2013 Producer Report
– Cost of Care

Get the ball rolling with tools from John Hancock:
– Videos: Week 1, Week 2 & Week 3
– Access Week 1 flier, Week 2 flier & Week 3 flier
– 2013 Cost of Care study
– Download the Cost of Care iPad app directly from the iTunes store
– Check out needs-based marketing materials here.

Take advantage of LTC Awareness Month with Mutual/United of Omaha:
– Use this approved press release to get your name out to the LTC community.

Protect families and their dreams with Transamerica!
– TransCare III offers an increased maximum daily benefit, expanded policy elimination period,
couples discount, gender-based pricing, a 3-year rate guarantee and more. Click to view
Transamerica’s product video.

• Genworth:
  • Click to view new business processing update.
• Mutual of Omaha:
  • Click to view underwriting and processing update.
• Transamerica:
  • TransCare II 2013 will launch in New York in early December. Applications and material updates will be announced as the launch date approaches. View bulletin
  • Click to view updated Field Underwriting Guide.
  • FREE DRA Continuing Education – November 1 – 30th
    • To help you meet your licensing requirements in 2013, Transamerica LTC is offering FREE DRA Partnership Training during Long Term Care Awareness month. From November 1st – 30th, you can take your DRA Partnership Training free of charge through the Transamerica LTC DRA Partnership Training Website (www.TALTCDRA.com). This website makes it easy for you to track and stay compliant with the mandatory DRA Partnership training requirements in your state. Your training certificate will be sent directly to Transamerica. As a reminder, if you choose to take your LTC CE training through another company, remember to send Transamerica a copy of your certificate to avoid a delay in updating your licensing information.

• Exceptional Risk Advisors:
  • Risk Management featured Exceptional Risk Advisors as the cover story in November. The Sounds of Silence provides insight to the reality of today’s music industry and the magnitude of possible loss.
• MetLife:
  • MetLife is Working for You. Eleven additional occupation classes have been upgraded or expanded and new high-growth emerging markets for disability insurance have been researched and identified. These emerging occupations may have great needs for disability insurance based on their rapid growth rates and income levels.
  • Finish Strong & Stake Your Claim to a successful year!
• Mutual/United of Omaha:
  • Here is a great DI underwriting tip – DI Underwriting: Coordination of Benefits.

• American General:
  • It’s Game Day (October 1, 2013 – February 2, 2014)
    Submit Select-a-Term paid applications to win BIG prizes. Agents can win gift cards PLUS drawings for Sony 55-inch flat screen TVs. BGA’s win a staff recognition event.
• American National:
  • Annuity Cash is King (ENDS November 30, 2013)
    Receive a cash bonus for Strategy Indexed Annuity (ASIA) PLUS sales.
• Lincoln:
  • Flex-Pay MoneyGuard Incentive Programs (May 1 – December 31, 2013)
    Earn an extra 20 points on paid first year target premium AND double PAP credit on all Flex-Pay MoneyGuard cases placed between May 1^st and December 31^st.
• SBLI:
  • iGo for an iPad Sales Contest (October 1 – December 31, 2013)
    SBLI will award an iPad to agents and case managers who meet specific criteria by using iGO eApp.
• Transamerica:
  • Bonus Program (EXTENDED to December 31, 2013)
    Transamerica is offering this limited-time incentive bonus program on TransACE and TransACE Survivor life insurance policies.
  • 2013 Finish Strong Multi-Life Sales Contest (September 1 – December 15, 2013)
    Heat things up this fall with this special Executive Advantage Program sales contest. It focuses exclusively on Employer Pay All (EPA) sales. You will receive entries just by submitting your EPA cases through the Executive Advantage Program. You can receive entries based on cases and applications generated. There will be a new prize and winner every month and a grand prize at the end. You can win multiple times!
  • TransCare III Sales Contest (October 1 – December 20, 2013)
    Transamerica LTC would like to help your agents kick off their sales of TransCare III (TCIII) with their largest, most exciting sales contest ever! But this contest is a little different. Prize levels do not depend on how much an individual agent sells, they depend on how much EVERY agent sells – combined!