Advanced Markets
ING
New 2011-2012 e-Pocket Tax Tables Now Available from the ING Life Companies!
The new tax laws provide important opportunities for you to contact clients and prospects with up-to-date information on tax rates, exemptions, deductions, contribution limits, and much, much more. To make it easier for you to access this information for both 2011 and 2012, we are providing this quick tax reference tool, e-Pocket Tax Tables. This information will be kept updated if anything changes during the year. You can use this information online, post the link on your own website, download and print, or e-mail the tables to clients and prospects.Click here.
Buy-Sell Policy Review
New sales opportunities may arise from a review of the provisions in buy-sell agreements and the life insurance policies funding them. These new materials are available 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.
Buy-Sell Review Producer Brainshark - This tutorial on why a buy-sell review is important and how to use the three printed pieces in the kit will guide you through the process of conducting a buy-sell policy review. Buy-Sell Review Producer Presentation
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)
John Hancock
Choice of Life Insurance Policy with Barry Flagg, JH Advanced Markets Radio December 13, 2011
Barry D. Flagg, CFP, CLU, ChFC, founder of TheInsuranceAdvisor.com (TIA), joins Randy Zipse, VP and Senior Counsel, Advanced Markets Group, discussed the choice of life insurance product and its suitability when it comes to trust-owned policies. Barry and Randy discuss, among many things, what is involved when a trustee considers what a “prudent” product choice is. No lapse guarantee (NLG) products provide trustees with certainty regarding the death benefit payment as well as ease of administration. However, in addition to these two considerations, assessing ALL product types and the cost effectiveness of each are critical elements of the fiduciary process involved in determining suitability. Low cost current assumption products should be part of the assessment, especially when such products may benefit from an uptick in interest rates. What happens when a low cost current assumption product is ignored and cash values are left on the table? Is this really a 'prudent' choice? Barry considers a few cases on-point that deal with this concept of making prudent choices available based on the market conditions. Click here to listen to the broadcast.
Disability Insurance
MetLife
MetLife's New Medical and Executive Occupational Class Upgrades and Participation Limits Increases
To help increase MetLife’s competitive position in the DI marketplace, several enhancements are effective immediately on certain medical and executive occupational classes. A new top tier medical occupational class has been created, 6M, which essentially offers the medical professionals below 6S rates. Also, certain other occupational classes receive upgrades and participation limit increases. Read more | Occupational Class and Participation Limits | Occupational Class Upgrades Info Flyer
Mutual of Omaha
A Feature Unique to the Industry: No-Wait Income Protection
With Mutual of Omaha's Short-Term Accident Only and Short-Term Disability products, you can offer your clients the choice between two products with day one coverage. A great option for clients with little to no cash reserve. Sales Solution
Marketing/Industry Updates
American General
Quick Reference Guide to IUL Products
Click hereto learn more on the index UL products we offer.
Run Rapid Rater for AG Lifetime Income BuilderSM December 17, 2011
Our online quote tool will provide fast Guaranteed Lifetime Income Withdrawal quotes for index annuities.
Click here to learn more.
AG Secure Lifetime Will Have the Ability to Run the Ledger Concept and Ledger –Secondary Guaranteed Concept in WInflex on Our Next Software Release
The date for our next software release is this Friday December 16th. When this concept is turned on, it will display the AG Secure Lifetime product on the Composite Census Report that is generated in WInflex.
Passport to Paradise: Bermuda 2013
Announcing American General's 2013 Business Development Conference for Producers at the Fairmont Southhampton, Bermuda! Click herefor 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?
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.
AXA
What a Year / AXA Equitable
Click here to watch a video that highlights AXA’s top accomplishments for 2011.
Banner
Back By Popular Demand...Competitive Term Rates Flyer
We're keeping count of the competition, are you? Back by popular demand, you'll find the above competitive term rates flyer plus a new Penn Term version available on our term microsite and the marketing section of LGAmerica.com. Read more
Our S&P Rating Upgraded to AA-
This is really two pieces of great news. First, we now carry the rating of our parent, AA-, and are no longer under the "notch below" rule. Second, the reason we can be rated the same as our parent is that L&G Group convinced S&P that we are "core" to their business - further evidence of the commitment of the Group. Read more | Click here for the complete S&P press release.
New Blog Post and a Chance to Win...
New blog posts and a chance to win an official Legal & General America bowtie or umbrella... Read more on Frank's blog!
ING
Life Concept Express - ING Retirement Extra Using Life Insurance
Now more products are available - including our single-life Indexed Universal Life Insurance products - on Concept Express, a web-based tool that can help you understand and easily illustrate ING Retirement Extra Using Life Insurance for your clients. Learn more | Go to Concept Express
Link Your ING Life Companies' Products To InsMark Illustrations
Good news! InsMark is extending their introductory rate to licensed producers for the InsMark Illustration System! In 2010, we provided a link from the ING Presents or WinFlex desktop illustration systems so that you could use ING Life Companies' products within the InsMark Illustration System. This link allows the illustrated values for universal life and indexed universal life products to connect to InsMark's popular modules for personal Life Insurance Concepts. Learn more here!
New to InsMark?
You will need to purchase and install the InsMark software with the link to ING Life Companies' products. The introductory price has been extended - Order Now! Click here to learn more about this extended offer.
Do More. See More.
Managing your inforce policies just got easier. Learn more
Introducing the Newly Revamped ING Newsroom Page
The ING newsroom section on the ING U.S. site has been restructured to provide the latest media information about ING in an easier and more organized format for our Distribution partners and clients. Below are just a few of the improvements highlighted, but please feel free to visit the US site, and browse around to see for yourself. Click here to view.
What's new?
- Syndication - Buttons have been added to all ING press releases, media highlights and media kits to allow individuals to receive updates from these sections through an RSS reader. Visitors can choose between various press release topics or choose to receive all releases as well as all updates to the media highlights or media kits section.
- Social media - There is now a single pageon the site that lists all of corporate social media channels. There is also a "Connect with ING" box featuring three core corporate channels.
- Press releases - You can now view all press releases (current & past) using the new search function. In addition, you now have the ability to select or search releases by topics (insurance, retirement, corporate responsibility, etc.)
- Media highlights -This section features a selection of ING news stories to give you a better understanding of ING.
Make a Connection!
Set up a "bundled" campaign!
John Hancock
Protection UL: A Valuable Alternative
Protection UL's lower premiums and stronger cash value growth potential often delivers the best possible value for your clients. Learn more.
Premier Life's Income Advantage
Premier Life can provide your more conservative clients the right combination of income potential and principal protection.1 Click here for more information.
New Competition Corner: John Hancock's Indexed UL vs. Aviva
Look at how well positioned John Hancock's Indexed UL is against Aviva's Indexed UL product!
John Hancock 2012 Calendars Available!
The 2012 Winning Solutions calendar focuses on ways to Solve the Sales Puzzle with John Hancock. Each calendar month features a John Hancock product, strategy or service that helps answer clients' unique needs. For example, January spells out the most affordable permanent death benefit protection in the industry — Protection UL2; February shows how you can give your clients a big boost — with High Retention Limits; and March unscrambles the planning strategy that can help lock in a steady income stream for clients and help them transfer more to heirs — Asset Repositioning. Calendars were mailed the week of November 28.
Introducing John Hancock's Indexed UL in Delaware. Growth. Protection. Choice.
Indexed UL is designed to be one of the most competitive products in the industry for cash value accumulation and retirement income potential.3 Click here for details.
Lincoln Benefit
Learn About Upcoming Enhancements to LBL's Liquidity Rider
I develop products. To do that well, I have to predict what types of features customers will need in the near future and design policies that can meet those needs. And that’s exactly how we developed our highly successful Liquidity Guarantee Rider.1,2 Read more
Lincoln Financial
November Market Observations
The Lincoln Funds Management November commentary is now available for use. In this piece, the Lincoln Funds Management group provides a recap of the markets, providing an overview of index returns in the context of the larger economic trends and events of the month. Read more
MassMutual
MassMutual’s Limited Pay Whole Life Insurance Products: Whole Life Legacy 10 Pay, Whole Life Legacy 20 Pay and Whole Life Legacy 65
Few companies offer the portfolio of limited pay whole life products MassMutual does. The newest entrants to this marketplace were introduced by Guardian. Guardian introduced 10 Pay Whole Life in 2009 and 20 Pay Whole Life and Life Paid Up at 65 in 2010. 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
Check Out How Our Term Life Answers Rates Stack Up to the Rest
View Details
AccumUL Plus Compensation Changes
On January 1, 2012, we will be making compensation changes to AccumUL Plus for Brokerage. Read more
Protective Life
Life Insurance for Just 36 Cents a Day
Protect Lives for less with affordable term-alternative universal life insurance from Protective Life. Read more
Prudential
PruLife's SUL Protector is Competitively Priced!
Read more
2012 Policyholder Dividend Scales
Prudential Insurance’s Board of Directors has approved payment of approximately $1.9 billion in dividends in 2012 for participating individual life insurance policies and annuity contracts in the Closed Block. Read more
William Penn
Back By Popular Demand...Competitive Term Rates Flyer
We're keeping count of the competition, are you? Back by popular demand, you'll find the above competitive term rates flyer plus a new Penn Term version available on our term microsite and the marketing section of LGAmerica.com. Read more
National Underwriter
Fitch: U.S. Life Insurance Industry Will be Stable in 2012
The outlook, Fitch states, reflects the "industry's strong balance sheet, which helps to somewhat mitigate ongoing concerns over challenging macroeconomic conditions that continue to pressure industry operating fundamentals." Read more
ACLI Finds Same State Regulatory Problems More Than a Decade Later
According to the ACLI, life insurance CEOs may be concerned about too much federal regulatory spread, but they still want a strong point man to coordinate with other agencies…
Parents to Boomerang Kids: Your Allowance or My Retirement? (Fox Business)
Forty-two percent of U.S. adults aged 18-39 who were not students said they had received financial help from their parents during the current economic downturn. In many cases, recent college graduates who can't find work end up moving back home, which can be particularly burdensome on boomers approaching retirement.
China to Become World's Second Largest Life Insurance Market by 2020: Report (IBR)
Currently the world's sixth largest life insurance market, China is expected to weigh in at No. 2 by 2020, according to a report from U.K.-based data firm BRICdata.
Is It a Great Time for Indexed Annuities?
Last week, LifeHealthPro and ProducersWEB co-hosted a Twitter chat with indexed annuities expert Sheryl Moore. This is what she had to say about the IAs.
Industry Appears at Treasury Hearing
At a Treasury Department convened hearing, implications of the FIO, the NAIC, Solvency II and how they will interact with each other are the focus.…
New Legislation Poses Serious Threat to Federal Insurance Powers
A panel of the House Financial Services Committee (FSC) today reported out legislation to the full committee that would…
NAIC Top Working Group Tackles AG 38
NAIC commissioners talk up a level playing field, uniformity, PBR and peer review as they roll up their sleeves to figure out the best way to reserve for new products with secondary guarantees, and how…
SEC Chairman Mary Schapiro signals that the Fiduciary Standard Regulation contained in Dodd-Frank will not harm agents.
The survey also shows that nearly 20% of workers age 50 and older expect never to stop working, and that more than 15% of the respondents don't know when they'll retire.
When you consider our economy's present volatility, it is possible that life insurance might offer clients another accumulation vehicle, above and beyond more traditional investment options.
Ernst & Young's Global Insurance Center U.S. Outlook for 2012 identifies five challenges for the industry in the year ahead.
Life insurers have already paid out more than $50 million on unclaimed property in New York following the DFS probe. But now comes the attorney general and comptroller. What will the price tag be this time?
Shining a Light on a Shadow Industry: Captive Reinsurers
It is not often that an industry development excites the collective imaginations of state insurance regulators, high-rolling investment bankers and Wall Street lawyers.
Whole Life Carrying the Load in 2011
While whole life sales are up 10% through the first nine months of 2011, term life sales are floundering.
Product
American General
AG Lifetime Income BuilderSM New State Availability
The optional living benefit rider for index annuities is now available in CA. Click here for state approvals.
AG Choice Index GULSM Now Approved in NY
AG Choice Index GUL has been approved in the state of NY. Learn more from the bulletin.
Aviva
Aviva Announces Life Product Changes, Effective January 1, 2012
We are discontinuing sales of MultiChoice Indexed Single Premium Life and will be introducing new NLG premium rates on Guarantee UL Solution III for all face amounts of $100,000 and above, issue ages 51 and above. There will be no changes to NLG premiums on the Advantage Builder product series.
Read more
Mutual of Omaha
Guaranteed Universal Life (GUL) & GUL Plus Reprice Effective December 9, 2011
No-lapse premiums for United of Omaha's GUL product will decrease in many cases, generally by 1-5%. This is a re-price only, there are no changes to the product or the underwriting requirements. Read more
Nationwide
Nationwide YourLife Indexed UL - Now Available in CA
The wait is over! Nationwide YourLife Indexed UL, a fixed life product offering index-linked cash value accumulation with a guaranteed floor rate, is now available. In addition to providing death benefit protection for your clients' families, it also offers a more balanced approach to planning with… Read more
Protective Life
Introducing New Lower Protective Secure-T Rates
We are pleased to announce the availability of new Protective Secure-T rates on December 12, 2011! The new Secure-T rates will only be available through Protective Life. Our new Secure-T rates have decreased by as much as 20% in some risk classes, specifically in the Select Preferred and Preferred categories. Read more
Sun Life
Sun Life Closing Its Domestic U.S. Variable Annuity and Individual Life Products to New Sales Effective December 30
The decision to stop selling variable annuity and individual life products in the U.S. will not impact existing customers and their policies. For life products, applications received in good order by December 30, 2011 must be paid by February 29, 2012. Read more | Click here for Transition Rules
West Coast Life
Clarification on WCL Apps for New Secure-T rates
We are pleased to announce the availability of new Protective Secure-T rates on December 12, 2011! The new Secure-T rates will only be available through Protective Life. Read more
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