Annuities
American General
Annuity Rates are Changing
View new rates
Wisconsin Agent Annuity Training Requirements
As of May 1, 2011 Wisconsin requires producers who solicit annuities to complete the Company's Product Training prior to soliciting any annuity products.
Genworth
Women Fear Retirement More than Men — For Good Reason
Women have three major worries when they think about retirement: inflation, health and longevity.
- By 2030, 54% of the 78 million American Boomers will be women. Source, National Association of Baby Boomer Women
- A healthy 65 year old female has a 67% chance of living to age 90 and a 38% chance of living to age 95. Source: Genworth Financial, A2000 Basic ANB Mortality table with Scale AA mortality improvement
- 60% of middle-class retirees can expect to outlive their assets – unless they lower their standard of living. Source: Ernst & Young, 2008
Are you speaking with your female clients? More and more women are looking for the security of knowing they cannot outlive their income and according to LIMRA, a majority of immediate annuity buyers are women.
At Genworth, we can help your female clients prepare for retirement with our SecureLiving Income Provider SPIA. Key Benefits of Genworth’s SPIA:
- More peace of mind: Knowledge that you can never "outlive your assets"
- Simplicity: No fund investing or market volatility worries—just income for life
- Range of options: You can choose to cover just your lifetime, or that of you and your spouse, or choose to receive income for a specific period of time. You can also protect your heirs with an option ensuring that you and/or your beneficiaries receive income worth at least the purchase amount of the annuity refund option. Help protect against inflation through a cost of living adjustment of 1% to 6%
- Liquidity: Income Advance and Income Withdrawal are available at no additional cost. Both provide the peace of mind that should you ever need additional income before it is due to be paid, it will be available to you. (Available in most states, ask for details)
- Direct Payment – Genworth can make direct payments of a minimum of $100 to up to 25 payees.
Lincoln Benefit
Selling Immediate Annuities? Give LBL a Look!
During our most recent LBL University, we had many attendees express interest in getting to know more about LBL’s Income Ready SPIA. We have made great strides in improving our rates and increasing our rankings with the 30+ companies we compare. We will soon have CANNEX (a SPIA comparison tool) up and running, and will be highlighting our ‘Sweet Spots’ in upcoming e-LBL newsletters. Read more
Income Replacement IncomeReady Flyer
IncomeReady Product Guide
Take a Look at Our SPIA Payouts
Take a look and you'll see that LBL's payouts are right up there with some familiar names in the immediate annuity marketplace. Plus, LBL has a number of riders for added flexibility.
See our sweet spots
Read about the Riders
Lincoln Financial
Guaranteed Minimum Interest Rate Changing for Some Annuities - Effective June 1
Contracts issued June 1, 2011 or later will reflect a new Guaranteed Minimum Fixed Interest Rate (GMIR). Read more
Lincoln Fixed Annuity Leader - April 2011
In this issue:
- Protect Your Clients’ Purchasing Power with Lincoln SmartIncomeSM Inflation Annuity – Illustrations Available
- Lincoln SmartIncomeSM Inflation Annuity Q&As Available
- Lincoln Long-Term CareSM Fixed Annuity – Prescription Drug List Guidelines
- Guaranteed Minimum Interest Rate Changing for Some Annuities – Effective with Contracts Issued June 1, 2011
- New Licensing Requirement / Change to Utah Replacement Form
- New Contract Numbers for Fixed Annuities
- New York Regulation 194 Producer Compensation Disclosure
Click here to read
Protective Life
Annuity Interest Rate Notification
Interest Rate Notification Summary - Registered Products
Interest Rate Notification Summary - Unregistered Products
Interest Rate Notification Summary
Click the link above to view the PDF file, or right-click to save to your desktop. For individual product rate sheets, please visit the Protective Producer Center (for unregistered representatives) or the Protective Advisor Center (for registered representatives), and log in.
West Coast Life
Annuity Interest Rate Notification
Interest Rate Notification - Click the link to view the PDF file, or right-click to save to your desktop. For individual product rate sheets, please visit the Agent Center and log in.
LTC
John Hancock
Custom Care III and Core Care Launched on May 2nd
Beginning May 2, 2011, you now have access to two new LTCI products — Custom Care III and Core Care. Read this article for an overview of these products, administrative deadlines, training and marketing materials, as well as illustrations and applications. Facts-at-a-Glance, Form: LTC-8022 Microsite:www.CustomCareIIICoreCare.com.
Custom Care II Enhanced Discontinued in 35 States on May 2nd
In states where our new products are launching, we have discontinued the sale of Custom Care II Enhanced. Therefore, Custom Care II Enhanced applications in these states must have been signed no later than May 1, 2011, and received in the home office by May 2, 2011.
The Interstate Insurance Compact and Long-Term Care Insurance
The Interstate Insurance Compact (Compact) is an important initiative that enhances the efficiency and effectiveness of the way insurance products are filed, reviewed, and approved, supporting better speed to market for new LTCI products. Read this article to learn more about its impact on LTCI marketing materials.
Reminder: Discontinuation of Credit Card for LTCI Payments
As a reminder, effective May 2, 2011, we have discontinued the availability of the credit card payment option for existing and new customers. Read this article for more information including administrative deadlines, impact to marketing material and a policyholder mailing.
Cost of Care Survey Results and Enhanced Map
We are pleased to announce the release of our 2011 Cost of Care Survey, conducted by LifePlans Inc. This year’s survey revealed that the cost of long-term care services continues to rise. Read this article to learn more about costs in our key findings brochure, and to access our enhanced interactive map.
8-hour Partnership Training Now Online for NC and PA
The required training courses in these states are now available to take online Visit www.jhpartnership.com.
Lincoln Financial
MoneyGuard Reserve Plus Marketing Materials
MoneyGuard Reserve Plus Brochure 1
MoneyGuard Reserve Plus Brochure 2
MoneyGuard Reserve Plus Personal History Interview Instructions
MoneyGuard Reserve Plus Resource Checklist and User Guide
Click here for more marketing materials
Long-Term Care Planning Just Got Easier
Lincoln MoneyGuard transactions are streamlined with iGO e-App, so you enjoy a totally Web-based experience for Lincoln MoneyGuard non-replacement business. Read more
Mutual of Omaha
Full/Coverage Exchange Letters Being Mailed to LTCi Policyholders in Wyoming
Some of your Wyoming long-term care clients may be getting a letter letting them know their policy has been deemed partnership qualified. Prepare yourself to talk with these clients about the benefits of increasing their coverage in order to qualify for partnership benefits. View Details
Compelling Storytelling
A memorable story can help make the LTCi sale. View Presentation
National Underwriter
Survey Finds that LTC Costs Continue to Climb
The cost of long–term care services continues to rise, according to a new report…Read more
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