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- American General:
- Aviva:
- Genworth:
- John Hancock:
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Quarterback Call Webinar – PLAYBACK
Miss the live broadcast of the Benefit Builder sales ideas webinar? Listen, at your convenience, to the on-demand version.
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LTC Captivate training webinars
Learn about this online system that supports an entirely paperless sales & application process. As a result, it enables producers and their clients to conduct business in settings and time frames that better suit both of their needs. Register now for an in-depth webinar training session by clicking a date below:
- Minnesota Life:
- North American:
- Prudential:
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- American General:
- Aviva:
- ING:
- 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 20th to ensure completion of underwriting, issue and case payment by December 31st.
- MetLife:
- MetLife DI:
- North American:
- 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.
- Prudential:
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2014 realLIFEstories – call for entries
Each year, the LIFE Foundation sponsors the realLIFEstories Client Service Recognition Program; which honors the work that agents and advisors do by collecting and publicizing compelling examples of how insurance helped provide for families and businesses at times of great financial need. If you’d like the opportunity to see your work honored nationally, please take a minute to learn more about the program at www.lifehappens.org/reallife. Then, submit your own success story and be part of this important public educational effort.
- American National:
- Contracting guidelines for transfers/dual requests
- ING:
- HIPAA regulations lead to changes in new agent contracts – reminder
- Legal & General:
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State license vs carrier appointment rules
In recent months, there has been an alarming increase in the number of applications where the writing broker was not licensed in the state where the insurance was solicited and/or intended to be issued. There have also been a number of AppAssist Request for Life Insurance Interviews (RLIs) where the writing broker was not licensed in the state where the applicant resides. While some states do not require an appointment with a carrier before an application is solicited from the public, an active producer or agent life insurance license with the state is mandatory in all states. In states that require everyone in the writing broker’s upline to be licensed to receive commission and override commission (FL, GA, KY, MA, MT, NC, NM, NY, PA, SC, VA, WI and WV), each upline agency must also have an active license in the state prior to the application being solicited.
- Advertising compliance
- MetLife:
- Address and contact changes
MetLife has transitioned U.S. Life New Business & Underwriting Retail Operations to Charlotte, North Carolina and Retail Life & DI Operations to Tampa, Florida.
- North American:
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Past. Present. Future. – video
North American has been providing financial strength and stability throughout our history. For over 125 years, they have maintained steady growth and ratings, and today they rank among the best in the industry.
- Prudential:
- Transamerica:
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- American General:
- Increased state capital gains tax rates
Did you know that the average state capital gains tax rates increased from 4.1% to 4.7% in 2013? Check out the latest sales concept on minimizing potential tax on capital appreciation.
- Aviva:
- Producer bonus – reminder
There’s never been a better time to sell Aviva’s cash accumulation products! Producers earn a 10% bonus on sales of Lifetime Builder IUL, Advantage Builder IUL, LifeStage UL and Survivorship IUL.
- Update on life insurance in Employer Sponsored Qualified Plans
Due to low usage, Aviva no longer allows any life insurance policies to be used in any type of qualified plans. This is an update to a decision earlier this year which allowed new participants to be added to existing plans. This change was effective November 1, 2013.
- Genworth:
- Index Institute – website
Whether you’re a proven pro or you’re just starting to learn about Index Universal Life (Index UL) insurance and Fixed Index Annuities, the Index Institute can help boost your index UL sales.
- Watch, Learn, Sell: The Perfect Storm – video
Build your competitive edge to help turn your index universal life insurance opportunities into sales.
- Mayo Clinic Live+Well customer newsletter
This issue provides your customers with information on emotional resilience, cancer prevention, diabetes, making fitness fun, and much more!
- ING:
- Life insurance policy collateral assignments
This flyer provides an overview of this tool used in a number of strategies for both individual and business clients.
- Legal & General:
- A-List Term now available for groups of 10-24 and 25 or more
- Lincoln Financial:
- MetLife:
- Enhanced Care Benefit approved in 6 new states – effective November 15th
- Guaranteed Level Term updates approved in NY, OH & VA
Updates include rate class name changes in New York, Ohio and Virginia and the issuing company change to Metropolitan Life Insurance Company in New York only.
- Underwriting solution for NT-proBNP
This new article focuses on how NT-proBNP can affect underwriting.
- Minnesota Life:
- More Securian products launching in November
Securian Life is expanding their presence in New York. New products launching November 18th are:
- Eclipse Indexed Universal Life (refresh)
- Eclipse Protector Indexed
- Eclipse Survivor Indexed Universal Life
- Eclipse Survivor Pro Indexed Universal Life
- Prudential:
- United of Omaha:
- Now is the time for prospecting new Guaranteed ADvantage clients
With the likelihood of a fatal accident occurring every four minutes, make sure your clients and prospects are covered with our accidental death product.
- New GUL rates
New and improved Preferred and Standard rates!
- Thumbs up for age last birthday
The ‘age last birthday’ advantage is two-fold: it saves your client’s money on premiums, and it may result in fewer underwriting exams since the requirements are based on age. Less underwriting requirements for clients equals faster processing times for you! Age last birthday, along with the Fit Credit program, give you a competitive advantage when it comes to underwriting.
- Go for the conversion with Term Life Answers
Recent pricing improvements on Term Life Answers have put United of Omaha in the game, especially on preferred and standard rates. Plus, you can score extra points with the strong conversion privileges. Clients have the opportunity to convert to any permanent life product available from United of Omaha at the time, and agents can get full commission on the conversion.
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- What do annuity buyers want?
Annuities serve valuable purposes, but getting clients to recognize this is a challenge.
- 5 tips for selling an annuity
Having a difficult time selling annuities? These tips could help overcome your client’s reluctance.
- How to transfer IRAs to LTC insurance
An IRA-based annuity could help your clients boost their long-term care protection.
- Indexed Annuities Grow New ‘Must Have’ Features
- Annuity blue water
Ditch those worn-out marketing methods and find seas of unlimited potential.
- American National:
- Aviva:
- Genworth:
- ING:
- Lifetime Income Annuity – overview
Lifetime Income is a single premium deferred fixed annuity with an indexed minimum guaranteed withdrawal benefit. It’s designed to help you create guaranteed retirement income that lasts for life. Your clients will be able to maximize their income withdrawal amount by receiving boosts to their benefit value after either a 5 or 10 year deferral: equal to 150% of premium in year 5, less withdrawals, and 225% of premium in year 10, less withdrawals. The benefit value is used to determine the amount of income payments. Review these presentations tips for using the Lifetime Income Calculator. View this brief presentation for more information.
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November is Long Term Care Awareness Month! Take a look at these tools from Genworth:
– Resource Guide
– Let’s Talk materials
– Multimedia news release
– Beyond Dollars 2013 Producer Report
– Cost of Care
– LTC Sales Center
- The real cost of (not having) LTCI
- How to transfer IRAs to LTC insurance
An IRA-based annuity could help your clients boost their long-term care protection.
- What LTCI can learn from life insurance
It’s common to urge younger people to buy life insurance. Why not LTCI, too?
- Genworth:
- In-Force Rate Action implementation for AR & NV
- John Hancock:
- DRA Partnership “Like for Like” exchange mailings for OH & WV
Ohio and West Virginia allow certain existing policyholders the opportunity to exchange their policies for those that qualify for Partnership status.
- New version of Hansel Illustrator desktop software
Version 16.1.1 expired on November 4th. An updated version with an extended expiration date of January 6, 2014 is available for download on www.jhltc.com.
- Partnership Guide – updated
This guide includes an easy-to-reference table of new and existing training requirements, deadlines, training resources and information on how to submit the course completion certificate.
- Benefit Builder selling strategy with Additional Cash Benefit
With the affordable premium provided by Benefit Builder, you have to ability to enhance the coverage you offer your clients with the Additional Cash Benefit, providing them with financial flexibility while helping to alleviate potential concerns about the time it takes to grow their benefit.
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Brand brochure – updated
Highlights how our powerful brand can be your most valuable selling tool. The brochure also highlights John Hancock’s commitment to the LTC industry and provides a timeline of key events over our 150 year history.
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Leadership and Responsibility brochure – updated
Provides helpful information on John Hancock’s commitment to the LTC market, in-depth experience, and dedication to building innovative products for the future.
- Mutual of Omaha:
- Transamerica:
- Notice of product changes
- New York
TransCare II 2013 will be launched in New York in early December. This will bring the NY TransCare II product in line with the benefits, features and rates of TransCare II in other states. Applications and material updates will be announced as the launch date approaches. Please look for future announcements and information.
- Arkansas and Nevada
Agents in Arkansas and Nevada will soon be eligible for the TransCare III sales contest! These two states have become Interstate Compact states and will be launching TransCare III for individual sales in Arkansas and Nevada on November 9, 2013. You can now begin ordering TransCare III materials. This will be an immediate change. You will not be able to access TransCare II for individual sales after November 8, 2013.
- Louisiana and Virginia
Previously, in Louisiana and Virginia, domestic partnerships did not qualify for the Couples Discount. That is no longer the case! Domestic partners and civil union partners will now be eligible for the TransCare III 30% Couples Discount in Louisiana and Virginia beginning November 9, 2013. This change is not retroactive and is only available with TransCare III.
- FREE DRA Continuing Education
To help you meet your licensing requirements in 2013, Transamerica LTC will be 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 also 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.
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- 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:
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Annuity Cash is King (June 1 – November 30, 2013)
Receive a cash bonus for Strategy Indexed Annuity (ASIA) PLUS sales.
- Lincoln Financial:
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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. Learn more about this and the Double Your Credit incentive.
- Protective Life:
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Custom Choice UL sales promotion (September 23 – November 22, 2013)
Any agent who has never submitted a Custom Choice UL application and does so during the promotion period can receive a $50 American Express gift card.
- 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:
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Bonus Program (EXTENDED to December 31, 2013)
Transamerica is offering this limited-time incentive bonus program on TransACE and TransACE Survivor life insurance policies.
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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!
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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!
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