*Click Here To Access NIB’s Multi-Year Guaranteed Annuities (MYGA) Rates
Annuities
American General
Deferred Rates are effective Monday, September 12th
View new rate sheet
AG Lifetime Income BuilderSM
Optional living benefit rider for index annuities.
Genworth
Risk and Planning for Retirement -- Think Genworth
Ask your producers to discuss the following: Mr. & Mrs. Client, the value of your money over time, say 6 or 7 years from now, is impacted by the risks you take. What risks are important for you to avoid? Here are some which can have negative impact on the value of your accounts over time:
- Paying too much federal and state taxes (SPDA are Tax Deferred, a SPIA is Tax Efficient)
- Poorly performing investments, known as Market Risk (Genworth's SPDA rates are Guaranteed, SPIA benefit amount is Guaranteed)
- Not planning well enough for retirement (Genworth's SPDA rates are Guaranteed, and SPIA can cover essential expenses)
- Not maintaining purchasing power (Genworth's SPDA rates are Guaranteed, SPIA can include Cost of Living Adjustment)
Consider Genworth, our rates are competitive:
- SL Income Provider - our Single Premium Immediate Annuity (we are strong in 10 yr period certain and Life with 10 yr period certain, as well as Life with Cash Refund and Life with Installment Refund...we also have the longest period certain payouts up to 50 years).
- SL Rate Saver - MYGA with choice of 5 or 7 yr guarantee (7 yr is the hottest rate in the marketplace right now)
- SL Liberty - 6yr chassis with choice of 1, 3 or 5 yr guarantee with an annual bailout rate after the guarantee (clean walk-away after 6 years)
- SL Independence - Bonus product with a 6 yr chassis with first 2 years guaranteed (a minimum guarantee of 2.00% in years 3-6 which is relatively high right now)
- SL Smart Rate - is a 7 yr chassis with a choice of 1, 3 or 5 yr guarantee (the best 2 features of this product are Return of Premium and higher comp)
National SecureLiving Rates
New York SecureLiving Rates
Risk Pyramid
SPDA Annuity Overview
National Underwriter
Moody's: The Best VA Hedge is Good Product Design
Life insurers probably will be better off if they design variable annuities carefully rather than rely on complicated hedging programs to manage VA risk, rating analysts say…Read more
Protective Life
Annuity Interest Rate Notification
Interest Rate Notification Summary - Registered Products
Interest Rate Notification Summary - Unregistered Products
Interest Rate Notification Summary
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
Guaranteed Minimum Interest Rate Change for Fixed Annuities
Transition rules apply to both West Coast Life and Protective Life fixed annuities, including the Sure Advantage and Secure Advantage for West Coast Life. New Guaranteed Minimum Interest Rate is 1.00%. Click here for transition rules
Annuity Interest Rate Notification
Interest Rate Notification - click on this 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
Visit CustomCareIIICoreCare.com Today
Visit this site for the materials you need to get acquainted with our new products as well as marketing materials you can use with prospects.
Alabama to Become a Compact State – Applications and Materials to be Impacted
Effective September 19, 2011, Alabama will join the Interstate Insurance Compact for Long-Term Care. We will provide more detailed information about the changes to and availability of application booklets and consumer marketing materials in mid-September.
Submit Your Clients’ LTC Success Stories to the LIFE Foundation
The LIFE Foundation is seeking success stories from producers. Submissions may be used for their edition of realLifestories print and/or videos to promote the importance of LTCI planning. Visit www.lifehappens.org/ltci-entry to submit your entry prior to September 12, 2011.
Reminder: Commissions Less Than $50 to be Held Until Minimum is Met
Effective September 1, 2011, we will implement a minimum commission payment. If you earn commissions of less than $50 during a commission period, your check/direct deposit will not be generated until the minimum has been reached. Once the minimum has been met, you will receive payment and you will also be mailed a statement.
Visit the John Hancock Partnership Training Resource Center
This web site makes your mandatory training experience quicker and easier to complete. Visit the site for state-specific training requirements, resource guides, to register for an upcoming class or take your training online. Visit: www.jhpartnership.com today.
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