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- American General:
- Aviva:
- Genworth:
- John Hancock:
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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:
- Lincoln Financial:
- Minnesota Life:
- TODAY, October 30th at 10am CT – 15-minute sales strategy call
Starting the Long Term Care conversation with your client
Teleconference Number: 800-910-2399 Pass Code: 224032
- November 12th – BOLD (Business Owner Life-stage Design) WebEx
- North American:
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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:
- 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.
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- Prudential concedes SIFI designation
Prudential will play nicely with federal insurance regulators within the confines of its new status.
- FIO report: The hinge on insurance regulation
The release of a report – one that was due more than a year ago – on how the insurance industry should be modernized has taken on new urgency.
- Genworth’s life division CEO to leave by year’s end
Genworth president and CEO Tom McInerney will head up the company’s U.S. life insurance business until a replacement for Patrick Kelleher is found.
- Aviva:
- Agent Guide to Understanding the “Notice to Applicants”
- Global Atlantic transition FAQs – updated
- Legal & General:
- Prudential:
- Transamerica:
- TransACT Online Statements
Effective immediately, Transamerica will no longer be honoring any commission statement requests from producers via email/phone/fax since they are now available on TransACT. Previous access issues have been resolved. Please note that any requests that are over a year old will still need to be pulled by the commission team as the statements are available on TransACT for a rolling 13 months. Access to statements online is easy. Any problems, contact TransACT Tech Support at (800) 742-7005.
- Click on the Register Now link below the login button. Producer ID and office ID (located at the top of statement) are required for registering.
- Select Producer/Solicitor on the drop-down menu and complete all required fields, as well as create a user ID and password.
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- American General:
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Low Interest Rates, Big Opportunities – video
Low interest rates may have made clients’ life insurance coverage inadequate. This new video walks you through this sales concept and how to update your client’s portfolio.
- Select-a-Term – streamline term cases and get paid faster!
Learn how your Select-a-Term cases can get placed quicker and you get paid faster! Don’t forget to play in our new Select-a-Term sales contest and win BIG prizes.
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Help Make Clients’ Retirement Income Last – Life & Health Advisor article
Given the challenges that clients face today and as they age, the goal of today’s advisors should be to provide truly innovative solutions that meet their unique needs, enabling them to enjoy their retirement years to the fullest degree.
- 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.
- Genworth:
- ING:
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Promote the need for accumulation & protection – new video
This new, consumer-approved video has been produced to complement the economic disturbance “ We The People” brochure. It is another tool to use when explaining to prospects and existing clients how life insurance helps meet the need for accumulation and protection.
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Phantom Stock Plans – NEW!
A solution to the challenge of keeping and motivating key employees, Phantom Stock Plans provide business owners with a way to share the profits (that the efforts of key employees produce) without the problems that equity ownership may cause.
- Lincoln Financial:
- MetLife:
- MetLife Solutions enhancements
Additional enhancements are coming to MetLife Solutions. MetWINS will sunset on November 15, 2013 for New Business. Use MetLife Solutions for your illustration needs.
- Converting a Term Policy benefits clients, wholesalers and producers
Are you looking for tools to help with a term conversion conversation? This article shows you how to get the conversation started!
- Sales Starter – A quick guide to get you started on split funded defined benefit plans
- Sales Solution – Helps you solidify the need for life insurance in qualified plans
- Presentation – A producer presentation to help promote life insurance in qualified plans
- Legal & Tax Trends – The latest update on how to distribute life insurance from a qualified plan
- Minnesota Life:
- Protective Life:
- 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.
- Symetra:
- Classic UL
Symetra recently lowered the rates in the Standard Non-Nicotine rate class for Classic UL with Lapse Protection Benefit. In the “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:
- United of Omaha:
- Grow sales with families using Term Life Answers
In today’s economy, Term Life Answers may be the ideal solution to the needs of many families.
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- Countering elder financial abuse
Advisors have an important role to play in protecting seniors from financial exploitation.
- Deferred annuities: Pension building blocks for the next generation
Younger people want secure income, which should have every advisor asking, how young is my next annuity prospect?
- American General:
- Offer clients 50 basis points more in retirement income
Joint life withdrawal rates for the Lifetime Income Plus/Lifetime Income Plus optional guaranteed living benefit rider with the Power Index Plus and Choice Index 10 index annuities have increased by 50 basis points for all age bands. Clients who elect the joint life option in contracts issued on or after October 1, 2013 have the potential to guarantee lifetime withdrawals of up to 5.50% per year.
- American National:
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Mailing address change – effective immediately
Regular address: Annuity Services, PO Box 10427, Springfield, MO 65808-0427
Overnight address: American National Insurance Company, Mail Processing Center, Attn: Annuity Services 10427, 1949 E Sunshine St., Springfield, MO 65899-0427
- Aviva:
- Genworth:
- United/Mutual of Omaha:
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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
- Are you maximizing your profit centers?
When I work with clients who are primarily concerned about long-term-care risks, I use a product that multiplies the death benefit for long-term care.
- The cost of not planning for long-term care
Families could save nearly $11,000 annually if they pre-plan for a long-term care situation.
- 3 ways to pitch worksite LTCI
Your first sale at a worksite setting begins with the employer.
- Genworth:
- In-Force Rate Action implementation for NV
- John Hancock:
- DRA Partnership “Like for Like” exchange mailings for OH & WV
Ohio and West Virginia allow for certain existing policyholders an opportunity to exchange their policies for those that qualify for Partnership status.
- Important LTC Rider updates
Due to low utilization, the maximum issue age on the LTC rider will now be 75 (was 80) and the LTC Continuation Rider is being discontinued.
- Mutual of Omaha:
- LTC04G rate adjustment approved in NE & VA
LTC04G rate adjustment will be implemented in Nebraska and Virginia on January 1, 2014.
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- Young John (and Jane) Does
Some people need income protection — and can qualify for it — now. Talk to them.
- United/Mutual of Omaha:
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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.
- 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:
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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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