Weekly Newsletter November 28, 2012

AG38 & The Low Interest Rate Environment contains important information combined with TMA carrier bulletins regarding AG38 transition guidelines, re-pricing, 1st year premium limitations and additional information.

Our Carrier Summary highlights important transition dates and links to carrier bulletins.

• Upgrade Your Referrals to Higher Quality
• Term versus Whole Life:Why Rent If You Can Afford to Own?
• The trusted advisor:Are you one and how do you prove it?
• 5 ways to connect with seniors

• American General:
  • TODAY, November 28^th – Year-End Wealth Transfer Strategies – It’s not too late!
  • TOMORROW, November 29^th – Year-End Wealth Transfer Strategies – It’s not too late!
  • December 4^th – Product Focus: Family Medical Leave Act (FMLA)
  • December 6^th – Product Focus: Family Medical Leave Act (FMLA)
  • December 11^th – Custom Point Ordering System
  • December 18^th – Social Media as a Selling Tool
• Aviva:
  • November webinar schedule & instructions
    – TODAY, November 28^th – Retirement Plan Roadmap
    – TOMORROW, November 29^th – Aviva’s Cash Value Portfolio
    – November 30^th – Spotlight on Success – actual case studies
• Genworth:
  • TODAY, November 28^th – New CapMax crediting strategy for fixed indexed annuities
  • TOMORROW, November 29^th – New CapMax crediting strategy for fixed indexed annuities
• John Hancock:
  • Special edition Quarterback Call now available on-demand
• Transamerica:
  • TODAY, November 28^th – What’s the future of GUL products?

• December 2012 holiday solicitation bans
• Aviva:
  • Reminder to take Anti-Money Laundering refresher course
• Year End Deadlines
  • American General year-end life processing dates
  • American National year-end procedures
  • Aviva year-end processing
  • Genworth year-end deadlines
  • ING year-end deadlines
  • Legal & General year-end processing
  • MetLife year-end new business deadlines
  • Minnesota Life year-end guidelinesfor business processing
  • Protective Life year-end deadlines
  • Prudential year-end deadlines
  • Transamerica year-end deadlines for TransACE and TransTerm

• Minnesota Life:
  • Introducing NEW Secure Protector & Secure Accumulator Whole Life
  • Express Issue for Secure Protector & Secure Accumulator Whole Life
  • Transition rules for whole life policies
    To issue Secure Whole Life:
    Paper applications must be signed by the owner no later than November 16^th and received in the home office by December 16^th.
    Quick eApp cases started prior to November 17th can apply for Secure Whole Life.
    Note: The case must be locked and sent for signatures by December 1^st.
    Quick eApp must be completed with signatures and received by the home office by December 16^th.
    To issue Secure Protector or Secure Accumulator Whole Life:
    Paper applications must be signed by the owner on November 17^th or later.
    Quick eApplications started after November 17^thwill not be available for Secure Whole Life and will be issued as Secure Protector or Secure Accumulator.
  • New maximums on single premium paid-up additions
• North American:
  • It’s not apples to apples – not all IUL’s are created equal
• United of Omaha:
  • Why Quote Term Life Answers?
    Life insurance is essential to your clients’ planning and they rely on you to guide them and provide solutions. Term Life is basic, affordable protection that is essential to a family’s overall financial planning.
  • AD Can Be a Life [Sale] Saver
    When you encounter term life declines or clients who can’t afford coverage, what can you do? Here’s a way to save the sale: our Guaranteed ADvantage Accidental Death Insurance.
  • FIT Underwriting Success Story: Multiple Sclerosis
    It can be difficult to find affordable insurance for clients with certain health conditions, but with the FIT Credit Program your clients may get credits for basic lifestyle characteristics.

• Boomer and senior markets look to safer portfolios
• An annuity remedy for market blues
  Cure baby boomer retirement woes with an indexed annuity with a living benefit rider.
• United/Mutual of Omaha:
  • Fixed annuities interest rates – effective December 1^st

• LTC 101
  Not yet selling LTCI? There’s no time like now to start.
• John Hancock:
  • LTC Awareness Month magazine: Week 4 now available!
    Miss week three? Click here to view it now.
    Miss week two? Click here to view it now.
    Miss week one? Click here to view it now.
  • 2010 in-force rate action notifications for December
  • Benefit Builder microsite now available in AR, AZ, MT, ND, NV, NJ & SD
  • IRS announces eligible long-term care insurance premium deductions for 2013
  • Buyer’s Guide updated in GA & WI
  • DRA Partnership Like for Like exchange mailing for TX
  • 2013 minimum benefits for Partnership in CT, IN & NY
• Transamerica:
  • LTC Awareness: LTCi Can Be Affordable
• United/Mutual of Omaha:
  • Long Term Care Insurance Awareness Month – Make the most of the resources
  • Rate adjustment approved for MD & SC
  • New rider rates approved in Hawaii – effective December 1^st

• Disability and inflation
• United/Mutual of Omaha:
  • 2 new discounts approved in CT, IN, KY, ND & PR
    Help build your DI business with tools that work.
  • DI conversation starters
    Learn more about how to start the conversation and talk about the need, not the product.

• American National:
  • Stretch IRA concept (microsite)

• American General: 2013 Passport to Paradise in Bermuda (ENDS February 14, 2013)
  ALL Universal Life sales count DOUBLE toward conference qualification!
• American National:
  • eApp iPad Contest (ENDS December 31, 2012)
    Receive a Free iPad when you submit 6 paid life policies through iGO e-App.
  • 2013 Marketing Conference (ENDS December 31, 2012)
    The top 80 licensed representatives of American National who qualify in accordance with the official requirements are eligible for an invitation to attend the 2013 Marketing Conference in Palmilla, Los Cabos, Mexico May 19 – 23, 2013.
• Symetra:
  • Take Another Look Classic UL Sales Contest (ENDS December 31^st)
    Be one of the first producers to issue/pay a Classic Universal Life policy before December 31^st and win a 16GB Apple iPad (minimum $15,000 annualized first year premium). To illustrate Symetra Classic with the repriced Lapse Protection Benefit, go to www.winflexweb.com or www.symetra.com/classic.