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September 24, 2014

  • Genworth:
    • Index UL 101 LIVE webinar series Designed for busy financial professionals, these short yet packed-with-information sessions will give you an introduction to Index UL, tips to starting the conversation and closing the sale, the confidence and know-how to serve your clientele and insightful sales tips to improve your sales volume immediately.  Conducted the same day and time every week, these live and interactive webinars are just what you need to gain a competitive edge. By investing less than an hour a week, you’ll have access to this sharply focused sales education series along with several bonus sales tools.  Register here!
      • September 25th – 2:00 PM ET – The Mechanics of Index Universal Life Insurance: A Closer Look Inside an Index UL Policy
      • October 2nd – 2:00 PM ET – Retirement Income Strategies: Starting the Conversation and Addressing Objections to Help Close the Sale
      • October 9th – 2:00 PM ET – Beyond the Death Benefit: Building Cash Value with Index UL Insurance
      • October 16th – 2:00 PM ET – Index UL Insurance Advanced Sales Concepts: Beyond the Death Benefit
  • Minnesota Life:
    • 15-minute sales strategy teleconference every Wednesday at 10:00 AM CT Dial-in Number: 1-800-910-2399 Passcode: 224032
      • September 24th – Estate Planning, Individually Centered (EPIC)
    • Omega Builder IUL Training
    • Estate Planning – Individually Centered (EPIC) A new turn-key approach to estate planning.
  • North American:
    • A Place to Call Home Looking for a carrier that can offer a broad portfolio to meet your diverse list of client needs, competitive compensation for you, and the support and training to help you succeed? Then North American is the place to call home for your business. Attend this webinar to learn more.
  • AIG:
    • Throughout September, AIG will highlight a variety of tools available for use with clients Check out their customized web page consolidating several AIG and “Life Happens” life insurance tools.
  • Genworth:
    • Help your clients close the gap Index Universal Life insurance helps offer the flexibility to close the gaps in your clients’ insurance – to meet protection needs, help build supplemental retirement income and protect these savings from a long term care event.  Learn more about these and other important life insurance features at Genworth.com.   Check out the consumer website. Or, go to The Index Institute for handy tools and materials you can use to help your clients mind the gap.
  • Legal & General America:
    • LIAM microsite now available LGA is helping you kick off this important time in the life insurance industry with a microsite you can share with your brokers. It’s filled with tools (like a consumer-approved video) and marketing materials (like Facts of Life infographic, web ads and more)!
  • Lincoln National:
    • Make sure your clients are protected 36% of retirees reported that taxes were a larger expense than they had anticipated.  Help clients protect their wealth with life insurance.  Changes in the tax laws have taken a toll on your clients’ portfolios and have eroded their retirement income.  With proper planning, life insurance protects wealth from taxes by providing an income tax-free – and potentially estate tax-free – death benefit.
    • Help protect your clients’ wealth In recognition of Life Insurance Awareness Month, Lincoln has developed a new resource for you to show your clients.  It’s only available this September, so check it out today!
    • Your clients have a chance of outliving their assets. Help them take charge.
  • MetLife:
    • Tools & Resources The work that you do every day is meaningful.  You help clients understand the importance of life insurance and you’ve undoubtedly helped many clients and their families protect what matters most.  MetLife has a number of tools and resources available for you to leverage when engaging clients during LIAM and beyond.  They can be found on metlife.com/moretolife; a website designed exclusively for sharing all of the life insurance-related activities available to support the important relationships you have with clients.
  • Mutual/United of Omaha:
    • Take a Moment to Celebrate Mutual of Omaha encourages you to take a moment to celebrate what you do.  You help protect clients’ loved ones should the unthinkable happen.  It’s an important job and you should be proud of what you do.  They also encourage you to use the new Concept Marketing Portfolio to talk with clients and prospects about their specific life insurance needs. This guide provides you with an overview of the concepts, how they work, how they can benefit clients and what materials are available for each concept.
  • North American:
    • Want a ready-made marketing campaign? In today’s turbulent economy, consumers can no longer afford to put off protecting their financial futures. Every September, Life Insurance Awareness Month reminds us all how life insurance can provide financial stability for loved ones-even through the shakiest of economic times. LifeHappens.org is full of free, downloadable resources.
  • Protective Life:
    • LIAM resources Check out Protective’s website for Life Insurance Awareness Month.  They also have a poster you can order – Life Insurance – Perception versus Reality.
    • Win an autographed football from Boomer! Protective Life has teamed up with Life Happens, the non-profit organization coordinating this awareness program, to help you share the importance of life insurance protection with your clients and community.  Register for access to free LIAM resources between now and September 30th and you will be entered to win an autographed football from this year’s LIAM celebrity spokesperson, Boomer Esiason.  Make sure you choose Protective Life when asked to select your company or association. Only registrations associated with Protective Life will be entered in the drawing.
  • Transamerica:
    • Transamerica Gets (Even More) Social for Life Insurance Awareness Month  September is Life Insurance Awareness Month, and Transamerica is taking the opportunity to highlight life insurance in their blogs.  The Transamerica blog debunks eight life insurance myths, while Michael Babikian talks about the important role life insurance can play in the lives of families.
  • Voya Financial:
    • See Voya Financial on NBC Today View the welcome video that Carson Daly, NBC Today Show’s “Orange Room” host, put together for them.
  • AIG:
    • Unique benefit payment option for Chronic Illness Living Benefit Rider The Accelerated Access Solution offers Optionality with monthly benefit payments. Options include an IRS maximum per diem at time claim begins – providing a form of inflation protection for the policy owner’s benefit.
  • MetLife:
    • QuickPredict tool helps identify clients’ potential rating classNEW! Introducing QuickPredict, a first-of-its-kind, mobile field underwriting tool.   This individual life insurance underwriting tool can help producers determine early in the fact-finding process whether a client may qualify for an Elite or Preferred rating class, based on 11 key risk factors. After using MetLife QuickPredict and running an illustration based on the indicated possible rating class, producers can provide clients a more accurate policy premium estimate.
    • MetLife Secure Flex Universal LifeNEW! Secure Flex UL features an innovative guarantee provision called the MetLife Ultimate Charge Guarantee that guarantees current policy charges after the no-lapse guarantee period ends. This is in addition to the built-in life expectancy secondary guarantee and added benefit of efficient cash value growth potential. It all amounts to a Universal Life product that offers the predictable and reliable performance and flexibility clients want and need.
  • Minnesota Life:
    • Guiding you to the right products Finding a policy that works for your client can sometimes be difficult. Now you have a tool that helps determine an appropriate life insurance product based on your clients’ needs and desires.  Check out the new Life Insurance Decision Engine. It will help you help your clients determine the life insurance solutions appropriate for their situation.
    • Benefit Distribution Agreement (BDA) – more life on your terms With the Benefit Distribution Agreement (BDA), your clients can pay a lower premium while maintaining their desired total benefit. Check out the competitive comparisons to see how our Advantage Elite Select Term Life Insurance provides the lowest premium payment option when pairing it with our Benefit Distribution Agreement.
    • Quick eApp – the paper age is over Quick eApp will allow you to spend more time serving clients or selling than on paperwork. Save yourself and your clients valuable time. Use Quick eApp for your next life insurance application.
  • Mutual/United of Omaha:
    • The New Guaranteed Refund Option Rider and GUL re-price Give your clients an option to get their cash back. Introducing the new Guaranteed Refund Option rider.   And, GUL premiums are being lowered on October 1, 2014.
    • Layering term policies to meet your client’s needs Layering can be an effective way to get the life insurance coverage you need for the length of time you need it.
    • Reward your clients for being fit Your clients can benefit from an underwriting credit program called Fit. With Fit, clients who have certain health conditions may be rewarded with medical and lifestyle credits, earning them a better rate class and lower premiums.  Unlike many competitor programs that only apply to permanent policies, the Fit program applies to term insurance. The Fit program also has more generous qualifying ages. While most competitor programs only give credits through age 65 or 70, Fit allows credits for clients up to age 75. This means you can offer your clients – even your older clients – the potential for a better rate class and a lower premium. It may be just what you need to help you save an otherwise unaffordable sale.  Learn more about Term Life Answers and the Fit Program.
  • North American Company:
    • No-fuss flexibility for future needs When clients need a guaranteed death benefit, they can turn to North American’s Custom Guarantee universal life insurance.   But what if their needs change? With the Guaranteed Exchange Privilege, your client can exchange a Custom Guarantee policy for one of North American’s cash accumulation products-without evidence of insurability.
  • Protective Life:
    • An average 6% lower premium starts here Don’t miss this opportunity to deliver an average 6% lower premium for a 30-year initial level death benefit period with $500,000+ face amounts with Protective Custom Choice UL!  Get a quote here.
    • Underwriting Guide updated Protective’s Underwriting Guide was recently updated to correct an error in the Select Preferred and Preferred Guidelines.
  • Prudential:
    • Founders Plus UL is a flexible, cost-effective alternative to traditional UL Along with death benefit protection, Founders Plus offers an extended no-lapse guarantee and a choice of two accounts that help accumulate cash value.
  • Symetra:
    • Lapse Protection Benefit (LPB) Premier now available in California LPB Premier is a unique program designed to provide premier pricing for your larger Classic Universal Life with Lapse Protection Benefit (LPB) cases.  With LPB Premier pricing, premiums average 5-8% less than Symetra Classic with the Lapse Protection Benefit rider through age 70, and 6-10% less than the No. 2 ranked carrier in the sweet spot age group.
      • Premier pricing is currently available for illustration on Winflex. You do not need to select LPB Premier as an option when illustrating cases. Premier pricing will automatically be illustrated if your cases meet the age and face amount criteria. “LPB Premier” and a “0914” date will appear in the illustration footer.
      • With LPB Premier, clients receive the same protection against policy lapses provided by our Lapse Protection Benefit rider, assuming premiums are paid as illustrated. Face amount decreases are not available within the first three full policy years.
      • LPB Premier pricing will be applied to pending/approved cases. The Symetra Life Sales Desk will contact brokers with revised illustrations for cases that are currently in process.
    • LPB Premier pricing creates opportunity for Private Financing Strategy success story
      Many clients recognize the value of an irrevocable life insurance trust (ILIT) funded with life insurance as an effective estate planning technique. However, they may have already met the limitations for their lifetime gift tax exemption or exclusions, or prefer not to use them to cover the life insurance premium. If so, they may want to consider a private financing strategy. Find out how using a private financing strategy can create a success story for your clients.
    • Top 10 reasons to consider Survivorship Life The American Taxpayer Relief Act of 2012 brought long-awaited clarity to estate tax rules. While many estates now fall below the federal exclusion amount, survivorship life insurance may still help provide valuable estate tax and wealth transfer solutions for your clients. Check out the Top 10 Reasons for Survivorship Life Insurance.
  • Transamerica:
    • TransNavigator new Index UL Do you have clients seeking life protection and growth potential? TransNavigator is an IUL built to compete in today’s market with a choice of Index Accounts and an LTC Rider.
      • Now available in CA With the release of TransNavigator in California, the Freedom Index Universal Life II and Freedom Global IUL II products are being withdrawn. Applications for those products must be signed, and received in good order in the Home Office by October 17, 2014. This date assumes the TransNavigator is available as of September 17, 2014.
    • Foreign Nationals sales made easy with this iPad App Life Sales version 5.0 is here! Navigate three simple steps to request a Foreign Nationals proposal.  Download the iPad App here.
    • Life Insurance is the solution to life changes – be sure to plan regular reviews We all have an important role to play in helping families protect the long-term security of their loved ones.
    • When In-Laws Become Out-Laws Clients should consider these options to plan for and protect their legacies.
    • New form required with UL and Term products A new Beneficiary/Additional Insured Information supplemental form (DMF 2014) is required with applications on all Transamerica universal and term life products. Download this flyer for more information on the form, product exemption and transition rules.
No new bulletins to this week.
  • American National:
    • ASIA PLUS death benefit discontinued On September 1st, the Death Benefit on the ASIA PLUS Lifetime Income Rider was discontinued. As a result, the following changes were made to the Lifetime Income Rider Disclosure Forms:
  • Athene:
    • MaxRate 5 to be discontinued effective October 3rd
      Athene MaxRate 5 and MaxRate 5 Enhanced Liquidity (EL) multi-year guarantee annuities will be discontinued after October 3, 2014. The AtheneMaxRate 7 and MaxRate 7 Enhanced Liquidity (EL) products will remain available in all approved states.  Download the state availability chart for the latest information on the availability of Athene Annuity products.
      Application Deadlines To be accepted for processing, MaxRate 5 applications must be received in good order in the Home Office by October 3, 2014. Funds must be received by November 14, 2014 or business will not be issued.  New forms for MaxRate 7 and MaxRate 7 EL will be required for applications received after October 3, 2014. Forms for your state can be downloaded from the Athene Annuity Sales Resource Center.
  • Genworth Financial:
  • Lincoln Financial:
      • Lincoln Deferred Income Solutions Annuity: Available in Maryland
      • Fixed Indexed Annuity Annual Statement Guide
      • CI Corner: Volatility-Managed Index
      • First Quarter Credited Rate Histories
      • Payment Options for Income Annuity Illustrations
      • Where do Fixed Indexed Annuities Fit?
      • Telephone Withdrawals
      • August Forms Release
      • Updated Buyer’s Guide Requirement for RI and OK
      • 50-State Agent Solicitation Chart Updated
      • State Insurance Licensing and Training Requirements for TX
  • North American Company:
    • New Volatility Control Strategy launching September 30th This new innovative strategy – Volatility Control – will be available on North American’s RetireChoice and IncomeChoice products.  In preparation of the launch, advisors are requested to prepare and complete product training.
    • Hot rates! North American has made big changes across their portfolio to give you market-leading solutions for your clients, especially on 10-year products.  Visit www.NorthAmericanCompany.com to run client illustrations today! Check out what they offer you:
      • Growth potential Rates increased across most of our fixed index annuity products – some index caps up to 50bps higher!
      • Strong guaranteed income NEW Lifetime Payment Percentage (LPP) increases on IncomePay GLWB!
      • Competitive compensation
      • Dependable carrier A+ (Superior) Rated by A.M. Best
  • Mutual of Omaha:
    • MutualCare Solutions launching in Connecticut effective October 1st Get the pertinent information on the new LTCi portfolio – MutualCare Solutions.
  • Transamerica:
    • LTC News September 18th edition In this issue:
      • Multi-life Focus Wrap-up Are you ready to join the fastest-growing area of LTCi?
      • Transamerica Secure & TransCare III now available in Florida
      • Transamerica LTC Stand-alone Policy Highlights Get a brief summary of each of our stand-alone LTCi policies: Transamerica Secure, TransCare III and TransCare II.
      • USA Today Brings LTCi to Forefront LTCi makes news in mainstream media again, signals growing need from middle-market consumers.
  • AIG:
    • Chronic Illness insurance The average out-of-pocket cost for cancer patients is $1,266 per month. Learn more about chronic illness insurance (CI) as an alternative to chronic illness living benefit riders, the products and a sales contest.
  • Mutual/United of Omaha:
    • Share the DI Self-Test Make sure your clients are prepared for the unexpected. Encourage them to take this DI Self-Test.
  • AIG:
    • Win $1,000 gift card or iPad  (8/1/2014 – 10/31/2014) Now is a great time to explore how accident and health (A&H) products can strengthen  clients’ financial resources while creating new income streams for your business. View the contest rules and a 15-minute training session are available on the contest website.
    • AIG Better Ride Contest  (8/1/2014 – 1/31/2015) Now is your chance to rev it up, get in gear, and gain some traction!  Producers will receive points based upon the sale of our permanent products, and additional points for selling AG Asset Protector on Secure Lifetime  (AAS Rider & LIS Rider), and the AAS Rider on Elite Index II. For every 5 points a producer earns they will get a raffle ticket towards the drawing of a 2 year lease on a BMW 528i.  Get complete details.
  • American National:
    • 2015 Marketing Conference  (qualification period 1/1/2014 – 12/31/2014) You and your guest will enjoy five days and four nights at The Cove Atlantis, Paradise Island, Bahamas from May 17-21, 2015 if you are one of American National’s top 80 qualifiers.  Click here for details.
  • Athene:
    • Top Producers Dublin 2015  (1/1/2014 – 12/31/2014) Produce $3.5 Million or more (received during the qualification period of January 1, 2014 – December 31, 2014) with Aviva or Athene products and then get ready to pack your bags for Ireland.  Click here for details.
  • Genworth:
  • Lincoln National:
    • Double Your Credit  (July 1, 2014 – December 31, 2014) Help your clients prepare for the future and earn double PAP credit on all Lincoln MoneyGuard Solutions cases placed in force between July 1 and December 31, 2014.  Click here for complete details.
  • Transamerica:
    • Break Away and Travel with Transamerica  (4/1/2014 – 12/19/2014)
      • Agents who place $25,000 of premium (minimum 3 TLIC life applications) will earn a 3-day vacation package valued up to $1,400 for yourself and a guest.
      • Agents who place $75,000 of premium (minimum 5 TLIC life applications) will earn a 5-day vacation package valued up to $5,000 for yourself and up to 3 guests.
      • Click here for complete details.
      • Long Term Care production can help you win the above trip! THIS JUST IN! Now earning your Break Away is even easier. Long Term Care production is being included towards qualifying!  View the Break Away travel site for complete details.
      • Break Away and Hit the Links! THIS JUST IN! Transamerica is excited to announce new destination options for Break Away.  By popular demand, singles golf outings are now available!  That’s right, by qualifying for a three-day Break Away prize package, you could find yourself teeing off under the blue skies of Palm Springs, California or enjoying the sea breeze on Amelia Island, Florida. Sell more, go farther! By qualifying for the second level Break Away prize package you can take your pick from the world famous courses of Pebble Beach, Pinehurst, and six TPC courses including Sawgrass and Scottsdale! All golf packages are for one person.  Challenge your friends to qualify for their own trip and meet you on the greens!  Start planning your outing today! View the new golf packages here.
    • Leading Distributors Convention in Barcelona  (1/1/2014 – 12/31/2015) This is your opportunity to experience one of the world’s top destinations in an entirely unique way-the Transamerica way! Sun-filled days, exciting nightlife, and the breathtaking beauty of Barcelona await, when you qualify for the 2016 convention – held May 11-15, 2016.  Click here for details.  View the producer flyer.