Advanced Markets
Allianz
Life Insurance as a Business-Planning Solution
If you haven't been marketing life insurance to small-business owners, perhaps it's time to start. Our new, exclusive kit can show you how. Learn more
Small-Business Prospecting Guide
Make the most of this untapped market.
Executive Compensation Strategies Funded with Life Insurance
Executive bonus plans can be a great way to attract and retain key employees. Executive bonus plans allow small-business owners to pay a bonus to any employee of their choosing. The bonus can then be used to fund life insurance coverage for the employee, as well as serve as a tax deduction for the business if they write it off as employee compensation. With a restricted executive bonus arrangement (REBA) the business owner can create a “golden handcuff” that helps build loyalty to the business, while providing the employee with a benefit in the form of a cash value life insurance policy. Our consumer-approved sales ideas below provide detailed information on how life insurance can provide a solution for executive compensation strategies. Download our consumer-approved “Executive bonus plans” sales idea and our consumer-approved “REBA” sales idea.
Thursday, December 15 at 2pm CT: Creative Business Continuation Strategies Webinar: Life Insurance as Part of a Business Continuation Strategy
When your clients are focused on today’s business, it’s easy to overlook the future. Join our exclusive webinar and show clients how life insurance can play a pivotal role in their business continuation strategy. You'll learn:
- How life insurance can help build loyalty of key employees
- Reasons funding a buy-sell agreement with life insurance can be attractive for small business owners
- Advantages of cross-purchase agreements
Webinar attendees will receive our turnkey Small-Business Life Insurance Kit. Register today!
AXA
Charitable Giving with Life Insurance
Life insurance can be used to support worthwhile causes with exceptional tax advantages. Let us help you reach out to clients, key donors and charitable organizations with presentation support including this inspiring true story demonstrating how life insurance can be used to make a meaningful impact. Read more
ING
Buy-Sell Policy Review Kit
New sales opportunities may arise from a review of the provisions in buy-sell agreements and the life insurance policies funding them. This new kit contains three client-approved materials to help you review the life insurance policies funding clients' buy-sell agreements, to make sure they are performing as expected and will deliver the benefits desired when originally purchased. Kit is now orderable from ING for Professionalsusing eship #161826.
Buy-Sell Review Kit #161826 contains the following:
- Kit Summary Sheet (#161819)
- Questions for Buy-Sell Review & Life Insurance Funding Analysis (#160850)
- Buy-Sell Life Insurance Policy Review Factfinder for Business Owners (#160851)
- Important Questions in Buy-Sell Review (#161434)
Transferring Wealth with Inter-Family Loans Consumer Brochure - Now Available in Spanish & Chinese!
#161618 (Spanish Version)
#161619 (Chinese Version)
#160832 (English Version)
This consumer brochure may be used with parents and grandparents interested in wealth transfer opportunities looking for alternatives to lifetime gifts. Inter-Family Loans are quite attractive now because interest rates are at or near historical lows and can be used to fund life insurance premiums. Both the Spanish & Chinese versions are available for download on ING for Professionals under Advanced Sales/Wealth Transfer/Estate Planning or the Multicultural marketing category. These are also available on the Wealth Transfer/Estate Planning microsite and the End of Year Sales Opportunities microsite.
John Hancock
Super Committee Update with Sarah Spear & Chris Morton, JH Advanced Markets Radio, December 6, 2011 Broadcast
We re-aired our JHAM Radio broadcast with AALU's Chris Morton and Sarah Spear on happenings on the Hill. Click here for the Special Edition CI on the Super Committee's failure to act. Click here to listen to the JHAM broadcast.
Lincoln Benefit
Passing Down the Family Business
Customers who want to leave a family business to a child need to take into account how to leave equal amounts to all children. Show them how Legacy Secure SL can help them distribute their assets equally. Read more
Advanced Markets Online (AMO)
This tool features interactive software with the essential technical information necessary for working in advanced markets. Learn more
Pacific Life
Professional Advisor Program Webinar IX: Ending the Year with a Bang! Year-End Tax Planning for Business Owners, with ADU Consultant Rania Sarkis and special guest Bob Keebler
View Webinar Recording
ADUCast with Bill Bell and Chris Erblich - The Future of Estate Taxes
Listen to ADUCast*
Principal
Business Owner & Executive Solutions: New Approach Tool!
Approaching business owners to do business planning is easy with our new complimentary services approach package. Use the client approach flyer to help business owners understand the need for an informal valuation or buy-sell review. Then share the Business Owner Summary to show them what they can expect from these complimentary services.
National Underwriter
ABA Report: Fixed Annuity Bank Sales Total $4.1 Billion in Third Quarter
Fixed annuity sales by banks and other depository institutions increased by 3% from the same period one year ago, according to a new report
FIO Plans Summit in Advance of Comments on Approving Insurance Regulation
Belth weighs in on gaps in state regulation, targeting life insurance and annuity products he believes do not provide adequate disclosure in a letter to FIO Director McRaith. So, who's going?
LIMRA Survey: VA Buyers Overwhelmingly Favored a GLB Option in Third Quarter
Nearly 9 in 10 variable annuity buyers elected to purchase a guaranteed living benefit rider in…
Disability Insurance
MetLife
DI Core Stories
Click here to view a new mini site that features our core stories. This mini site provides tools that can help you with training, profiling clients and/or prospecting Business Owners or Individuals. Each section houses marketing material on-line (Electronic only) which includes:
- Brochures
- Flyers
- Prospecting Letters
- Case Studies
- Phone Scripts
Mutual of Omaha
Power Up: Get Started with Mutual's Association Marketing Program
Check out these special rates and benefit enhancements for Association members. View Flyer
National Underwriter
Disability Insurance Observer: Feds Consider Hiring Goal
For many claimants, the biggest barrier to returning to work is finding work. Uncle Sam tries to set a good example.
Licensing & Contracting Compliance
ING
Rebating Will Result in Termination For Cause in All 50 States
Any ING distributor found to be engaging in rebating will be terminated for cause with the company and state and will be ineligible for rehire. See the details in this bulletin.
Marketing/Industry Updates
Allianz
Perk Points for Life Insurance Policies are Being Discontinued
All life insurance policies issued on or after January 1, 2012 will not be eligible for Perk Points or deferred compensation company contributions. In order to receive Perk Points for your pending life insurance applications, the policies must be issued and in force by December 31, 2011. Life insurance sales will continue to count toward deferred compensation qualification not toward deferred compensation company contributions.
American General
Financial Fact Sheet
This flyer has been updated with financial information through 3Q 2011. It is for producer-use only and is posted on the Company Updates page on eStation.
Passport to Paradise: Bermuda 2013
Announcing American General's 2013 Business Development Conference for Producers at the Fairmont Southhampton, Bermuda! Click here for qualification rules and complete details.
Time is Running Out on the Five-Point Play!
Act now to qualify for additional compensation before the program ends December 31, 2011.
AG Secure Lifetime GUL®
Why buy ordinary when you can get extraordinary?
Sell UL and Win a Trip to Africa
See how only 5 submitted UL cases can qualify you to win a trip to Africa.
Quick Reference Guide to IUL Products
Click hereto learn more on the index UL products we offer.
Reminder: Privacy Protection
Please be reminded that the company and its distributors are required by state and federal law and company policy to protect and maintain the confidentiality of nonpublic customer financial and health information.
AXA
Turn One Sale Into Two!
Do you have clients that are looking to transfer their wealth to family members upon their death? AXA Equitable underwrites cases based on the projected inheritance of the insured!
Variable Universal Life Portfolio
More than ever, clients are responsible for their own financial futures and seeking options for their needs. AXA Equitable's Variable Universal Life portfolio has flexibility that can meet not only current client needs, but also future needs.
ING
Do More. See More.
Managing your inforce policies just got easier. Learn more.
New Online Security Enhancements Coming December 9 to ING for Professionals
Watch this video to learn more about these new security enhancements. Also, see this bulletinfor details.
Attractive Options for VUL-Lipper Brochure
See the ING variable universal life investment options that beat the 1-year Lipper median in their respective peer groups as of September 30, 2011 (updated quarterly). Available in print (#128882) and electronically on ING for Professionals.
Q3 2011 Straight Speak Financial Piece Now Available
The Q3 2011 Straight Speak financial snapshot is approved for use with distributors only. It is not available for use with the general public. Find it hereand also on ING for Professionals under the "Highlights > Important Information" section.
Hot Campaigns!
Ever wonder what's working for other Life PromoCenter users? Now you'll know! We've added a "Hot Campaigns" area on the front page of the ING Life PromoCenter. Take a look at the electronic campaigns enticing your contemporaries. It's even separated out by consumer and producer hot topics!
Lincoln Benefit
The Power of Branding
Joe Calloway, author of Becoming a Category of One explains why there is nothing more important than your brand in the marketplace. Read more
The Edge
In this issue:
- Darin Dauel & Kevin Orth on the Legacy Secure SL's value
- Russ Cobler shares IncomeReady insights
- How professional connections lead to opportunities
Click here to view.
Help Customers Afford the Coverage they Need
With Ultra Plus from Lincoln Benefit Life, you can help your customers get permanent coverage at a price they can afford. Its lower face amounts make it a great product to blend with a term policy to provide high levels of coverage at a lower cost than a large permanent policy. Read more
Going the Extra Step to Show We Care
A popular quote says, “People don’t care how much we know until they know how much we care.” So how do we show it? By delivering outstanding service as well as innovative products designed to meet our customers’ individual needs. Read more
Lincoln Financial
Growth in Any Market
Keep your clients’ accounts growing, regardless of what happens in the stock market, with Lincoln Lifetime IncomeSM Edge. Read more
MetLife
MetLife Investments: Delivering on Our Promises
The Delivering on Our Promises piece has been updated to reflect MetLife's investment portfolio for the third quarter of 2011. This client-approved piece illustrates the position of MetLife's investment portfolio. Click here to view it now.
New Year, New Look! The News for Life is Changing
Beginning January 2, 2012, News for Life will have a new look and be more mobile and tablet friendly. Click here for details.
Mutual of Omaha
We're Celebrating the New Year Early with Our Newly Repriced Term Life Answers
Don't let the ball drop without checking our new term rates. View Details
Setting the Standard for Term Insurance: Term Life Answers
View Brochure, Plan Highlights
Tuesday, December 13 at 9am and 3pm CT: Term Life Answers: Setting the Standard
Think you heard everything about our Term Life Answers? Even if you sell Term Life on a regular basis, there is something for you in this teleconference. Dial in to hear about our Term Life reprice and learn about our new underwriting risk class! Read more
Nationwide
Weekly Economic Review & Outlook + Supporting Podcast (Week of December 5, 2011)
What a difference a week makes. The risk trade was back on in a big way this week, as the Federal Reserve coordinated with five other central banks to cut U.S. dollar funding rates and European governments work toward another summit. In response, the S&P 500 was up 7.4%, for its best week since March 2009. Read more | Click here to view podcast.
Pacific Life
New Sales Campaign: The $5 Million Gift-Away
Never has the time been so ripe for your affluent clients to perpetuate a financial legacy for their family's future generations. Your clients might not see the opportunity until it's too late. The right combination of planning strategies and life insurance could have a significant impact on their estate planning goals. Get the $5 Million Gift-Away kit today.
MEB Rider - Now with More Allocation Choices
Help Pacific Select Exec V2 policyowners address their concerns with extended market downturns through the Minimum Earnings Benefit (MEB) Rider.3 The MEB Rider now allows for more asset allocation strategies. Read more
Premium Deposit Fund Bonus Interest Expiring
Act now! The 0.5% bonus included in the 3% discount interest rate on prepaid nonvariable life insurance premiums expires December 30, 2011. Read more
Make Term Conversion Easier with Tracking Tool
Over time, your clients may find that their term policies no longer meet their insurance goals. Keeping track of their term policies and scheduling time in the future to review whether the policy still addresses their needs may be a challenge. Planned Performance Tracking, our innovative web-based policy management system makes it easy. Learn the 4 ways Planned Performance Tracking supports term conversions. Read more
Market Leader vs. New Market Entry: Pacific Life and John Hancock on Indexed Universal Life (IUL) Death Benefit Sales
Read more
Funds & Performance
Our new Variable Life Wire Monthly eNewsletter offers monthly performance information, sales and positioning ideas for variable universal life (VUL) investment options, money manager updates, and other information to help you with your VUL sales. Read more
Pacific Life - Field News Monthly - December 2011
Click here to view
Principal
Wednesday, December 21 at 10am CT: Free Legislative Update Teleconference
This one-hour session will update you on the climate in Washington, D.C. as 2011 comes to a close, overview the legislative action that needs to occur before the end of the year, and highlight the impact of the "Super Committee" not reaching an agreement and provide an update on legislative activity including overall tax policy, estate tax, taxation of life insurance, and executive benefits. Read more
Why The Principal?
Check out all of our products, underwriting and solutions designed to give you an edge in the business market. View Flyer
Protective Life
Important Request For Your Feedback
As we approach the year-end, we'd like to take a moment to thank you for all your efforts in helping to make 2011 a successful and rewarding year for Protective Life. We appreciate all you do, and wish you the happiest of holidays and best wishes for a prosperous New Year. Read more
West Coast Life
Breaking News: Agent Reels in the Big One!
Aaron Coleman, an agent with West Coast Life, took his "Go Fish!" tackle box with him to the Salmon River in Idaho, and look what he caught. The West Coast Life Tackle Box helped him reel in the big one! We want to hear your big fish stories! Drop us a line to let us know what you've caught! Read more
If you're not actively seeking African-American clients, you're overlooking a growing sector.
A major credit rating agency says in a new report that it is maintaining its "stable" outlook on the U.S. life insurance industry.
Consumers Need Our Industry, Expertise and Products More Than Ever Before
I see great potential for both carriers and the valued advisors with whom we partner to create a better tomorrow for consumers, who so desperately need our counsel and solutions.
4 Things Life Insurance Producers Can Expect in 2012
While beginning a new year may be little more than a faint line in the sand, it can be useful for adjusting old business habits and assumptions in light of changing conditions and new opportunities.
DOL Faces Bi-Partisan Pushback Against Proposed Fiduciary Standard
Fifty-five House Republicans today joined 30 House Democrats in requesting that the Department of Labor significantly narrow its definition of "fiduciary" in a rule the agency…
Belth weighs in on gaps in state regulation, targeting life insurance and annuity products he believes do not provide adequate disclosure in a letter to FIO Director McRaith. So, who's going?
Those consumers who receive a needs analysis and amount recommendations are more likely to buy life insurance and more likely to buy larger policies.
A Multicultural Lever for the Economic Machine
Nearly 23 percent of all businesses in the U.S. are owned or co-owned by minority groups – so how can you capture this growing and increasingly influential market?
FPA Survey: Planners Report Few Changes to Clients' Retirement Plans
Most clients of financial planners did not make significant changes to their retirement plans or lifestyles during the year past, according to a new report.
Product
American General
Product Changes in Ohio Effective December 17, 2011
American General Life Insurance Company will lower the guaranteed minimums and eliminate Market Value Adjustment (MVA) on all annuity contracts issued in Ohio. Read Bulletin.
AG Choice Index GULSM Now Approved in NY
AG Choice Index GUL has been approved in the state of NY. Learn more from bulletin.
Lincoln Benefit
Reminder: December 2011 Sub-Account Change
Lincoln Benefit Life remains committed to providing customers with a wide variety of portfolios underlying the sub-accounts within our variable products. The following information details a sub-account change effective December 2, 2011. Read more
Lincoln Financial
Credited Interest Rate Change – January 1, 2012
Effective January 1, 2012, the life insurance affiliates of Lincoln Financial Group and other blocks of business administered by Lincoln Financial Group will be reducing credited interest rates on universal life and other interest sensitive life insurance products, including fixed account interest rates on variable universal life products, to product guaranteed rates. The fixed account rate for Indexed Universal Life policies has been lowered to 3%. Nonguaranteed persistency, durational and asset based bonuses will also be reduced. For products that are currently available for sale, the rate reductions apply to both inforce policies and new issues. Read more
Lincoln LifeReserve® Indexed UL Accumulator Now Approved in CA!
Tell your clients to say goodbye to market risks and still get the income growth potential and death benefit protection they need. Lincoln LifeReserve Indexed UL holds the key. Read more
Lincoln VUL Dollar Cost Averaging Fixed Account Enhanced Interest Rate Program – Ends Soon! Reprinted from the Lincoln Leader - Issue 18 - October 3
The VUL Dollar Cost Averaging Fixed Account Enhanced Interest Rate Program will be ending soon. This program includes a 10% Fixed Account enhanced current interest rate to help with short-term returns while the client transfers funds into variable investment options using a 12-month Dollar Cost Averaging (DCA) program. This annual effective rate is paid on the declining balance in the Fixed Account so the amount of interest earned will be less. These fixed rates do not reflect performance of the variable investment options selected by the client. Read more
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