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IMPORTANT INFORMATION REGARDING ACTUARIAL GUIDELINE 38 (AG38)
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The adoption of AG38 will cause Guaranteed Death Benefit UL prices to rise. It is reasonable to expect that some carriers will discontinue offering them.
We are already seeing product changes from our carriers, and will communicate this information to you via the news section found ont he homepage of the TMA website.
View the Producers Guide to AG38 from the National Association of Insurance Commissioners.
FIRE SALE- SALES OPPORTUNITY!!!
- American General:
- Click here to view the first in a series of communications regarding AG 38 and the impact on American General.
- Aviva:
- Aviva announces NLG product changes to comply with new regulatory guidelines. Click hereto view bulletin.
- Regulatory uncertainty causes Aviva to make changes to New York life portfolio. Click here to view bulletin.
- ING:
- North American:
- Important product changes announced as a result of AG 38. Read more now.
View Changes Ahead. Click here to view North American’s AG 38 Rules Flowchart. To learn more, join one of the webinars listed in the webinar section below.
- United of Omaha:
- Click here to view bulletin from the desk of Mark Rush.
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- Mind the Gap
The width and depth of the protection Gap is clearly a double-edged sword for insurance companies as well as the agents who sell their products.
- How I’m going to steal your client
The competition is courting your clients. What are you doing to keep them?
- You’d be crazy…
A thorough evaluation of your clients’ retirement plans brings many things into view.
- When should you call?
Put away those superstitions about when to call and pick up the phone.
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UPCOMING WEBINARS & TELECONFERENCES
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American General:
- Aviva:
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October webinar schedule and instructions
– TODAY, October 24 th – Get the Competitive Edge with Aviva IUL
– TOMORROW, October 25 th – Aviva Connect
– October 26 th – Spotlight on Success
– October 29 th – Indexed Universal Life Basics
– October 30 th – Introduction To Indexed Strategies
– October 31 st – Accelerated Access New Rider
- Genworth:
- ING:
- John Hancock:
- North American:
Click the link to register for an event. Then click on the Register button to pre-register. You will receive a personalized invite for the meeting with additional information.
Event Password: (case sensitive) Webinar1 Dial-in #: 877-937-0681 Passcode: 9264795
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- Two men enter, one man leaves
What’s really at stake for the life/health industry in next month’s elections?
- American General:
- ING:
- Transamerica:
- eAgentApp.com for faster processing of L&C for new producers
eAgentApp.com makes licensing and contracting new independent producers and solicitors with Transamerica easier. Benefits include minimized paperwork, a reduction in the number of incomplete applications and faster processing (within 24 business hours). The tool is available for TLIC and TFLIC producers. To get started, simply complete the Request for Authorization Code form . To learn more, watch this short eAgentApp.com Training Video.
- United of Omaha:
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- Expanding the whole life conversation
- ING U.S. Introduces New Flagship Indexed Universal Life
- American General:
- American National:
- Aviva:
- Genworth:
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- GenGuard UL product changes – effective November 12th
Effective November 12, 2012, Genworth will reduce commissions paid on excess premium in years 1-10 on GenGuard UL. This reduction will be applied proportionately between the writing agent and the General Agent. If you have any questions, please contact your General Agent.
- ING:
- Legal & General:
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Replacement forms – updated
All Banner replacement forms have been updated with the Legal & General America logo. There are no changes in the form numbers, revision dates or form content. However, please note that the South Dakota replacement form LU1096 is being replaced by form LF204.
- MetLife:
- North American:
- Prudential:
- Breast Cancer Awareness Month
Your clients who have been treated for breast cancer don’t have to give up on the idea of buying affordable life insurance.
- Symetra:
- Transamerica:
- Foreign Estate Planning for US Citizens
If you have clients that are U.S. citizens and own properties, a business or assets in foreign countries and they are looking for a strategy to address any financial liability or tax consequence as a result of owning these assets, Foreign Estate Planning is a must for your clients and a life sales opportunity for you.
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Trendsetter Portfolio
The Trendsetter Portfolio Producer Reference Guide is an all-in-one reference for information on the entire portfolio of Trendsetter term products: Trendsetter Super, Trendsetter Express and Trendsetter LB (Living Benefits). In addition, the Trendsetter Portfolio Consumer Brochure is now available and ready to be shared with clients and prospects. The Trendsetter Portfolio Underwriting Guide has been revised with a new Height and Weight Chart for the Trendsetter Express and Trendsetter LB non-med bands. The chart now uses sex-distinct weight information (instead of unisex guidelines). The new height and weight chart also contains the standards used for the Monthly Disability Income Rider.
- New IUL form requirement
All Freedom Index Universal Life II and Freedom Global IUL II applications received in the home office on or after November 1st will require a signed Index UL Policy Certification form.
- United of Omaha:
- Children’s Whole Life can protect for children’s whole life
Children’s Whole Life insurance is the perfect solution for any parent or grandparent looking to protect their loved ones’ future insurability.
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- QLACs: The next hot annuity product?
Qualified longevity annuity contracts are designed to annuitize a portion of funds in defined contribution plans. But product design and regulations are yet to be finalized.
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| DISABILITY & CRITICAL ILLNESS |
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- American General: 2013 Passport to Paradise in Bermuda (November 15, 2011 – February 14, 2013)
ALL Universal Life sales count DOUBLE toward conference qualification!
- American National:
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eApp iPad Contest (September 1 – December 31, 2012)
Receive a Free iPad when you submit 6 paid life policies through iGO e-App.
- 2013 Marketing Conference (January 1 – 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.
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