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October 23, 2013

  • November 2013 Holiday Telephone Solicitation Bans
  • American General:
  • Aviva:
  • Minnesota Life:
    • New e-mail encryption software registration required
      Minnesota Life has new email security software to better protect company resources and client information. As a result, you will be required to perform a one-time, simple registration when you receive an encrypted email from Minnesota Life and Securian. For more information regarding the new encryption software and how to register when receiving an encrypted email message, view the E-mail Message Encryption Guide.
  • American General:
    • Life insurance you don’t have to die to use
      Do your clients want flexibility and the option of a living benefit? Find out how you can offer your clients flexible life insurance with a living benefit with Lifestyle Income Solution and Secure Lifetime GUL II.
    • Low Interest Rates, Big Opportunitiesvideo
      Low interest rates may have made clients’ life insurance coverage inadequate. New video walks you through this sales concept and how to update your client’s portfolio.
  • Fidelity Life:
    • Rapid Decision UL discontinuedeffective November 1st
      Fidelity Life will cease the availability of the Rapid Decision Universal Life product effective November 1, 2013. Any Rapid Decision Universal Life applications received after November 1, 2013 will not be processed.
  • Genworth:
  • ING:
    • Trust Owned Life Insurance (TOLI) updateflyer
      As one of the few published court decisions, the Wachovia case could provide trustees with guidance on the administration of trust owned life insurance policies. This new producer flyer discusses the case and what lessons can be learned.
  • Legal & General:
    • A few cents are no big dealvideo
      Occasionally a Banner or William Penn OPTerm life policy might cost a little more than one from a competitor. So what more do you get from Legal & General America? A lot! Watch the video to learn about all the extras they can offer you and your clients.
    • MediGuide Medical Second Opinionsconsumer approved flyer
      This flyer explains the benefit provided free with all new policies issued in all states except KS, NY, and WA.
    • What More Do You Get?consumer approved flyer
      Do your customers ask for “the best price”? You’re not alone. This brochure explains value beyond price perspective.
  • North American:
    • Teach Your Clients About Indexed Universal Life Insurance!video
      This new video shows how IUL can contribute to your clients’ financial strategy. IUL can be an intimidating topic for many clients because of its complexity. The video offers a quick and simple way to share the benefits of IUL with your clients.
  • Protective Life:
    • Empire Term (available only in NY) discontinuedeffective November 1st
      Protective Life is discontinuing the Empire Term product on November 1st. It will no longer be available for quoting and application submissions after November 1st. Please note the following transition rules apply:
      • Applications must be signed and received in the Home Office on or before December 13, 2013.
      • All applications signed and received after December 13, 2013 will not be processed.
  • SBLI:
  • Symetra:
    • Life Insurance provides competitive rates of return without investment riskpresentation
      In times of economic uncertainty, many individuals turn to life insurance to help stabilize their investment portfolios. And when used as an estate-planning tool, the life insurance policy’s proceeds often will yield a more competitive rate of return compared to legacy assets held in a taxable investment. This presentation quickly outlines several hypothetical scenarios explaining how to use life insurance as an asset class. In about five minutes, it shows you how life insurance can not only create a predictable legacy, but also deliver a competitive rate of return.
    • New ‘Standard’ for Classic UL – view the rate flyer
      Rates have been lowered in the Standard Non-Nicotine rate class for Classic UL with Lapse Protection Benefit. In Symetra’s “sweet spot” ages of 55-75, Standard Non-Nicotine rates have been reduced:
      • 15-20% on level pay limited guarantees to age 100 and 105
      • 10-20% on level pay guarantees to age 121
      • 0-5% on single pay guarantees to age 121
      • 0-5% on 10 pay guarantees to age 121
  • Transamerica:
    • Hypothetical illustration for TransACE LTC Rider now available in CA
      The Long Term Care Rider on TransACE 2013 provides long term care protection in the event that the insured becomes chronically ill. The hypothetical illustration provides additional LTC Rider information and demonstrates potential claim scenarios. The hypothetical illustration does not need to be signed and is not required with the formal application.
    • Final Expense Products now available in IL & MN
      The Immediate, 10 Pay and Easy Solutions final expense products are now available for sale in Illinois and Minnesota. These products offer competitive premiums, straightforward underwriting, face amounts up to $50,000 and a Children’s/Grandchildren’s Benefit Rider with Immediate Solution.
      Please note: applications are changing in MN.
    • New eligible carrier for TOP & TOP Plus
      Ameritas is now an eligible term carrier for TOP & TOP Plus. These two accelerated underwriting programs enable qualifying applicants to receive up to $1M in additional coverage without the standard medical underwriting requirements.
  • United of Omaha:
    • Term Life Answers
      Many U.S. families are underinsured. Reasonably priced term life insurance, like Term Life Answers, may be the right answer to protect a family’s future.
November is LTC Awareness Month! Start the conversation with these materialsfrom Genworth
  • United/Mutual of Omaha:
    • DI videofrom Kiplinger
      Watch the video from Kiplinger Magazine that focuses on the need for disability insurance.
  • 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 (June 1 – November 30, 2013)
      Receive a cash bonus for Strategy Indexed Annuity (ASIA) PLUS sales.
  • Lincoln Financial:
    • 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 1st and December 31st. Learn more about this and the Double Your Credit incentive.
  • North American:
    • The Great Escape (August 1 – October 31, 2013)
      Write IncomeChoice Fixed Index Annuity business with North American and earn travel rewards! The more IncomeChoice Fixed Index Annuity business you write, the farther you can go! Receive a travel reward along with concierge travel services.
  • Protective Life:
    • 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:
    • 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!