Annuities

American General

Annuity Rates are Increasing and Other Important Updates

Deferred Rates are increasing effective Monday, October 17th. View new rates.

Income Annuity Rates will increase effective Thursday, October 13th. Improve the benefits for your clients! Run a quote: www.retirementraise.com

Rates
Current Annuity Rates and Recent Product Announcements.

Annuity Suitability Training Requirements Bulletin
Annuity producers now complete suitability training through Quest CE in all states that have adopted regulatory requirements for annuity suitability. See Bulletin 11-076 for details

Now Brewing
$5 Starbucks gift card when you complete your required annuities training.

South Carolina Annuity Training Requirements
Required annuity suitability requirements for producers. See bulletin 11-090 for details.

Lincoln Benefit

Do You Sell Annuities?
LBL’s IncomeReady SPIA is now on Cannex!  Read more

MD Annuity Suitability Training Effective November 1, 2011
This is to advise that effective November 1, 2011 all Maryland licensed life insurance agents who sell annuities in Maryland are required to complete certain training requirements prior to soliciting fixed and/or variable annuity products. Read more 

IN Annuity Suitability Training Effective November 1, 2011
In addition to the variable licensing requirements communicated on September 9, 2011, Indiana has adopted producer training requirements that apply to producers who desire to sell, solicit, or negotiate any annuity product (non-registered fixed and variable). The regulation states that licensed life producers are required to complete a one-time 4-hour annuity training course and requires insurers to implement product-specific training for their producers. Information on the training requirements is included in this article. Read more | Step by Step Instructions

IL Annuity Suitability Training Effective November 1, 2011
This is to advise that effective November 1, 2011 all Illinois licensed life insurance agents who sell annuities in Illinois are required to complete certain training requirements prior to soliciting fixed and/or variable annuity products. Read more | Step by Step Instructions

Lincoln Financial

Lincoln Lifetime Income Edge - Now available in CA and NV
Lincoln Lifetime Income^SM Edge, available with Lincoln fixed indexed annuities, protects and grows your clients’ future income — regardless of index or account value performance. This additional feature also offers… Read more

National Underwriter

A Long Tail, Getting Longer
As annuities increasingly become the central focus of the life and health insurance industry, we are starting to see signs that insurers may have sold too much, too fast, and a grim financial reckoning could be on the way.

Is Occupy Wall Street an Opportunity for Annuities?
Community-based, independent advisors can bulletproof themselves from the stains of big government and Wall Street greed.

NAIC Issues Bulletin Against Stranger-Originated Annuities
The STOA Bulletin was among several items adopted during the recent NAIC conference call — and while it does not have the weight of model law, it serves as a warning because the financial implications of fraudulent STOAs can have a negative financial impact on companies and consumers.

Why Annuities Aren't Right for My Mom (Market Watch)
Top of mind for many retirees these days is financial security, an asset that annuities have traditionally delivered in spades.

LTC

John Hancock

November is LTC Awareness Month
Later this month, we will kick-off our LTC Awareness Month initiatives. The topics and tools this year are sure to get you speaking candidly with clients about long-term care planning this November and throughout the year. Review this article for highlights of what’s to come.

Policyholders to be Notified of In-Force Rate Action on Certain Policies Later This Month
This is a reminder that we will begin policyholder notifications of in-force rate actions on certain John Hancock and Fortis LTC insurance individual policies in late October 2011. Read this article for a complete list of states and policies that are impacted as well as timelines and tools to help you through the process.

Overview of the Rate Action, LTC-1093
Producer Training Guide, LTC-1128
Information Guide, LTC-1105
Landing Spots Flier: LTC-1131

October Partnership Class Available Online
The October Partnership Training class schedule is available on www.partnership.com. The 8-hour initial and 4-hour refresher classes are being offered in a number of cities and include lunch and tour of the LTC Community.

Nevada: Revised Partnership Training Regulations
As of October 1, 2011, the state has revised the producer training regulations. Read this article for details and specific training deadlines. Click here to download the latest version of the Partnership Training Guide.

Mutual of Omaha

What Your Clients Need to Know about LTCi
Information is power. Go over these pieces with your long-term care clients so you can work together to determine what's important to them. Mutual Care Plus Product, United Cash-First Product

National Underwriter

CMS Funding Changes Hit Nursing Homes
Skilled nursing facilities will depend on private-pay patients more than before now that a regulation cutting Medicare skilled nursing care funding has taken effect.…

Longevity Insurance Could Be a Good Bet – If You Have Good Genes (Fox Business)
For consumers looking to buy longevity insurance (a product that will guarantee annual payments of a specified amount once you reach a specified age), it's critical to consider both inflation and interest rates. Both can make or break the true value of your investment.

John Hancock

Download the Latest National Training and Partnership Resource Guide
The guide has recently been updated to reflect changes training requirements for Alabama, Illinois, Kentucky, Missouri, Ohio, Vermont, West Virginia, Wyoming and Wisconsin. Be sure to review it for state training requirements, deadlines, and resources on how to submit proof of certification. Form: LTC-3251

Mutual of Omaha

Mutual and United Consumer Presentations

These consumer approved presentations are an excellent tool to use with your clients to help you walk through the importance of LTCi as being an essential component to their financial plan. Mutual Presentation, United Presentation

National Underwriter

AALTCI: Life Plus LTC Equals Growth
Asset-based long term care arrangements sold well in 2010, according to the American Association for Long-Term Care Insurance…Read more

Nationwide

Long-Term Care is a Family Affair
Long-term care doesn't just affect the person receiving care. It has an impact on the entire family. You can help your clients protect their family and remain independent with the Nationwide® long-term care rider, available on select permanent life insurance products. Read more