Weekly Newsletter October 28, 2015

• Annuity Webinar Schedule
  Get the schedule and registration instructions. Webinars are held at 1:00 PM CT.
  Dial-In #: 888-535-6454  Access Code: 8123535
  • November 4^th – ML Strategic Balanced Index
  • Exclusive AIG Index that offers upside potential while smoothing out market volatility.
  • How does it work?
  • How to position for your clients?
  • November 18^th – QLAC Overview
  • Learn more about the NEW Qualified Longevity Annuity Contract (QLAC) with the American Pathway Deferred Income Annuity.
  • QLAC may be a good option for your clients.
• Life Insurance Webinar Schedule
  Get the schedule and registration instructions.  Webinars are held at 1:00 PM CT.
  For details on each session, click here. Dial-In #: 888-535-6454  Access Code: 8123535
  • November 5^th – eStation Website Overview- Part 1
  • November 12^th – eStation Website Overview – Part 2
  • November 19^th – AG Select-a-Term
  • December 3^rd – AG Quick Ticket
  • December 10^th – Optionality Microsite Review

• Index Annuity 101 LIVE webinars
  Click here to register. The webinars are held on Wednesday’s at 2:30 PM CT. A confirmation link to join will be emailed to you.
  • October 28^th – A Look Inside Index Annuities – The Mechanics of How They Work
  • November 4^th – Building Guaranteed Lifetime Income with Index Annuity Income Riders
  • November 11^th – Understanding and Addressing Four Key Risks to Retirement
  • November 18^th – A Guide to Index Annuities: A Solution for Growth and Income
• Exploring Long Term Care Options
  Learn how to effectively use “combo” products to provide for your clients Long Term Care needs. On this call, he will focus on utilizing Indexed Universal Life and Linked Benefits to maximize protection for consumers.
  • November 4^th from 1:00 – 2:00 PM CT – Register here.

• Long Term Care: Guiding Clients Through the New Landscape
  With National Long-Term Care Awareness Month approaching, the Insured Retirement Institute (IRI) has partnered with Lincoln Financial to host a complimentary continuing education (CE) webinar for financial professionals focused on the consumer need for long-term care coverage and the impact the cost of care can have on clients. Panelists will discuss the range of solutions available, such as traditional and hybrid types, and offer guidance on how to engage clients on this important yet challenging topic.
  • October 28^th at 1:00 – 2:00 PM CT – Register here.
• Change the Subject to Long Term Care
  This sales theme provides the tools you need to comfortably change the subject from investment risk to LTC planning.
  • October 29^th from 2:00 – 2:30 PM CT – Join the meeting here.  Add it to your Outlook calendar by clicking here.

• Income Guard California Webinar:
  Tricks (and Treats) for Targeting the Medical Market – REPLAY
  Get product detailsl Learn the ideal target audience in the medical and non-medical occupations, view industry premium comparisons, discover the discounts available and receive a new application & underwriting overview.  Click here for the replay.

• Working with Couples Webinars:
  You, Bill and Jane…and a conversation about money.
  What could possibly go wrong?
  If the answer makes you uneasy, we have a pair of webinars to help you focus on building more effective relationships with your couple clients.
  • October 28^th from 3:00 – 4:00 PM CT – Register here.
    The Financially Fit Couple:
    Engaging Both Partners to Ensure Greater Success
    Attend and learn:
  • 5 Reasons for being couple-friendly
  • Why you need both partners at the meeting, and how to get them there
  • Balancing the conversation
  • November 11^th from 3:00 – 4:00 PM CT – Register here.
    Don’t Get Stuck in the Middle:
    Mediating Financial Differences and Resolving Conflicts with Couples
    Attend and learn:
  • How to avoid 3 common traps when working with couples
  • The most common myths about couples, conflict and money
  • Tools for engaging partners in healthy money talk

• On-Demand Webinars
  What you need to know about underwriting.
  • Marijuana and Alcohol – View now.
  • Foreign Travel – View now.
  • Diabetes – View now.
  • Financial Underwriting for Personal Insurance – view now
  • Underwriting guidelines on Prostate/Colon Cancer – view now
  • Respiratory Disease – view now
  • Underwriting for Anxiety and Mood Disorders – view now
  • Breast Cancer – view now

• Key submission deadlines for cases to be included in 2015 sales results.

• Helpful key reminders and tips to avoid commonly missed requirements which will assist you for a winning year-end.

• Year-End and 2016 Commission Closing & Statement Mailing Dates

• Advisors lure million-dollar clients on social media
  Some 17% of American Century survey respondents acquired business of at least $1 million in part because of social media.
• 5 digital marketing trends for advisors in 2016
  The veteran wealth manager and academic argues for how advisors should use social media.
• How millennials listen to financial advice
  A panel of millennials who write on financial topics for other millennials offers a major revelation to financial professionals. It’s not a happy one.
• 4 ways to use life insurance in retirement
  Those with permanent life insurance are actually able to spend their money and not live a “just-in-case” retirement.
• Perm vs. term: Whole life-funded retirement plan comes out on top
  The latest assault on the “buy term” strategy took place at the RIIA’s 2015 fall conference in Indianapolis.
• The top 10 IUL myths and how to debunk them
  Let’s take an in-depth look at the 10 most insidious myths and attempt to debunk them in a balanced, open and fair-minded way.
• Life Insurance: A key piece of the financial planning puzzle
  Life insurance can be used to reduce risk and protect wealth from the effect of taxes, market volatility and longevity.

• LTC vs CI Rider
  Access the most downloaded sales idea from The Index Institute…Long Term Care vs Chronic Illness rider. This sales idea will provide you with an understanding of:
  • Core differences between the riders
  • When and why each rider will or will not accelerate a death benefit payment
  • Potential income tax implications of each payment method
  • And, more
• Colony Term LQR minimum face amount requirement reduced to $100K –reminder
  All Colony Term applications with face amounts over $100,000 can be submitted through paper applications in addition to the Life Quick Request (LQR) fulfillment platform. Learn more.

• Lincoln Leader – October 19^th edition
  In this issue:
  • 2015 Underwriting & New Business Year-End Commitment & Guidelines
  • Reinstatement or Change Application – update
  • Types of Acceptable Payments – reminder
  • Treasury Indexed UL closed to new sales – effective October 30th

• 4^th Quarter Underwriting Program
  The MetLife Class Match Program may double your client’s existing policy, whether it’s with MetLife or another eligible carrier. Act now! This program is only available until December 31, 2015.
• Occupation Class upgrades
  See what’s new.
• Underwriting Fatty Liver
  Read the article.

• College Funding or Life Insurance – families no longer have to decide
  Do clients feel they have to decide between providing for their family’s protection or paying for college? Not with life insurance. Learn how life insurance can play an integral role in a clients’ college funding strategy.

• Term Life Answers
  Term Life Answers affordably protects families and temporary needs with competitive pricing paired with age last birthday.
• Liberal conversion opportunities
  Help clients get the most out of their term policies with term conversion opportunities that benefit both your agents and their clients.
• Fit Underwriting Credit Program
  The Fit Underwriting Credit Program offers extra mortality credits for individuals who are mildly or moderately rated but have positive health factors.
• Accelerated Death Benefit Rider
  Take a look at the Accelerated Death Benefit Rider and see how your agents can use it to help their clients receive some of the highest benefit amounts in the industry.
• ROP Term vs GUL w/a GRO Rider
  The Guaranteed Universal Life (GUL) product with the Guaranteed Refund Option (GRO) rider might be a better and more cost-effective fit than ROP Term for a clients’ portfolio. Learn about the differences.

• Your one-stop life insurance marketing shop
  From brochures to videos, access the latest educational and marketing materials…even on the go! Discover these resources at your fingertips:
  • robust sales concept library
  • comprehensive product information
  • social media training and tips
  • upcoming web events

Watch the “How To Use North American’s Marketing Website” video below!

• Form updates
  • HIPAA Authorization Form
  • Consumer Protection Notice for NM
  • Arbitration Agreement Acknowledgement Disclosure for AL

• Custom Choice UL rate decreases
  Effective October 26, 2015, initial level benefit periods ranging between 10-20 years had a 2% premium decrease for Non-Tobacco, Preferred and Select Preferred rate classes. This change will allow you to offer greater value for clients at many face amounts and level death benefit periods. The following transition rules will apply for paper applications and electronic submissions:
  • The new rates are now available for quoting, submitting applications and issuing policies in all states that are currently approved for the product.
  • All applicable Custom Choice UL applications already in underwriting will receive the new lower rate, when applicable, if the policy is issued on or after October 26, 2015.
  • All applicable Custom Choice UL applications received on or after October 26, 2015 will be processed with the new rates.

• Long Term Care (LTC) Rider now available in FL
  Get details and marketing brochures.

• Total Living Coverage credited interest rate change
  Get details.

• Selling DI to small businesses
  This DI Choice at Work Step-by-Step Guide will walk you through the process of selling the DI multi-life product to small businesses.