Advanced Markets
ING
White Paper: Using Life Insurance as an Asset in Qualified Retirement Plans
Employees and business owners face the challenge of accumulating sufficient assets to provide for their needs in retirement. They often turn to qualified retirement plans as a tax efficient means of providing retirement benefits. But what happens to their families if they die before reaching retirement age? Learn about how life insurance can help qualified retirement plan participants meet both retirement planning and death benefit protection goals. Updated version is now available electronically on ING for Professionals using eship #155969. Click here for access to all of the Advanced Sales White Papers.
2012 Quick Tax Reference
This flyer is a handy reference tool for 2012 tax information, including Federal Income Tax rates as well as Gift and Estate Tax rates and exclusions, Social Security and IRA and Qualified Plan information, and more. Available for order or download on ING for Professionals and for download on the Wealth Transfer/Estate Planning Microsite using #162591. Also available for personalization on the Life PromoCenter. Read more
Passing On Family Wealth Without Making Gifts
In this February 2012 Broker World article, Peter McCarthy, senior advanced sales consultant for ING Insurance Sales Support, discusses three strategies in which life insurance can be used to help parents and grandparents potentially increase what they can pass on to their children and grandchildren. In addition to passing on wealth, these strategies may allow them the opportunity to recover some or all of their money if their circumstances or objectives change. Available on ING for Professionals or the Wealth Transfer/Estate Planning microsite.
John Hancock
Trust Protectors with Joe Price, February 7, 2012, JH Advanced Markets Radio
Joseph Price, Executive Vice President at Bryan Mark Financial Group, joins Randy Zipse, JD, CPA, to discuss the roles and responsibilities of Trust Protectors. While laws can differ by state and cases can be very fact specific, it is becoming clear that drafting attorneys and trust protectors need to understand the issues and to clearly define the role and responsibilities of a Trust Protector. Click here to listen
MetLife
New Article Discusses Grandparents, 21st Century Style
This article by Brian A. McKenna, of MetLife's Advanced Sales Center, discusses a new generation of grandparents who are younger, wealthier and in a position to take advantage of two key pieces of legislation. Printed copies are available for order through fulfillment.
Principal
Retirement Income Gap Calculator
Approach business owners and executives on the need for accumulating sufficient retirement assets. Let our calculator and income gap analysis pave the way. View Sample of Business Owner Output / View Sample of Key Employee Output
Disability Insurance
MetLife
Contact information
New GSI Producer Sales Center
Our newly created GSI Producer Sales Center is an example of recent steps we've taken towards providing exceptional GSI sales support. The site highlights a sampling of our GSI material. Now is the time to take a serious look at MetLife for your GSI cases. To learn more about MetLife's GSI program, contact your MetLife Account Executive or the Disability Resource Line at 1-800-929-1492.
Occupation Class Adjustments Make MetLife More Competitive
Recent changes to certain occupation classes and participation limits has made MetLife more competitive, leading the industry for some occupations. Click here for more information.
Association Discount Program Update
State and local professional associations are an ideal market to build relationships with a large group of clients and grow your DI sales. Discounts from MetLife may be available for many state and local professional associations. The discount could be either 5 or 10%. Click here for more details.
Disability Income Insurance Golf Challenge
Play a round of golf and learn more about the benefits of MetLife's disability income insurance.
MetLife Introduces DI Core Story Selling System
The Disability Insurance Core Stories selling system provides you with tools and materials to help take you through an entire sale from start to finish - so you can easily reach out to prospects, feel confident talking about DI solutions, and increase your sales. Six client-centric stories are available:
- For Business Owners: Business Protection, Employee Protection, Personal Protection
- For Individuals: Initial Protection, Balanced Protection, Supplemental Protection
Click here to view the full suite of materials that can take a sale from profiling to prospecting to proposal.
DI Sales Tool Kit
This new sales tool kit provides insights into the unique needs of different DI client market segments and offers tips on how to best position solutions to meet their needs.
New Consumer Flyer Makes Understanding Definitions of Disability Easier
Understanding the different "definitions of disability" can be challenging for a consumer. With this new flyer, you can now share the different definitions and help them decide which definition fits them best. Click here for a copy.
Jump Start 2012 with Disability Insurance Sales
It's a fact that producers who take a comprehensive approach with clients - including offering income protection solutions - earn 30% more than those who do not. Read more
Mutual of Omaha
The Power of Real Life Stories
Having some real life examples your customers can relate to can turn a sale around. Read more
Licensing & Contracting Compliance
American General
Reminder: Use of Senior Specific Certifications or Designations
American General Life Companies prohibits insurance producers from using senior-specific certifications or professional designations that may mislead a prospective purchaser. Read bulletin 12-005 for details.
Announcing New Customer Assurance Program
AGLC is introducing a new initiative to obtain valuable feedback from our policy owners.
Transamerica
Changes to Appointment Renewal Requirements for Florida
As of January 18th, the Florida Department of Insurance no longer allows the appointing carrier to renew a licensee/appointee with an invalid address (email, home, business and mailing) on file. This requirement remains in place for original appointments. The licensee/appointee can update their information online using their MyProfile account.
Marketing/Industry Updates
American General
Retirement Reset, Guarantees, and the Desire for Financial Guidance
AGLC Chief Marketing Officer Erik Baden discusses the opportunities for financial professionals -- and how American General supports you -- in the January edition of Broker World. Read more
Updated "Earning Your Trust" and "Financial Fact Sheet" Flyers
A.M. Best recently upgraded our outlook to "Stable" and these flyers have been updated to reflect the change. "Earning Your Trust" is approved for consumer use while the "Financial Fact Sheet" is for producer use only. These flyers are posted in the Company Updates section of eStation, which is accessible directly from the home page.
Quotes-on-the-Go with Rapid Rater – Here Now!
New mobile quoting application for iPhone and Android smart phone users.
Passport to Paradise: Bermuda 2013
Click here for qualification rules and complete details on American General's 2013 Business Development Conference for Producers at the Fairmont Southhampton, Bermuda.
ING
ING IUL-Global & ING IUL-Global Plus - Marketing Materials are Ready
Now there's 5% More Commission and 5% Higher Participation Rate on ING Indexed Universal Life-Global (ING IUL-Global) and ING Indexed Universal Life-Global Plus (ING IUL-Global Plus). View more
ING Study: Cultural Influences Impact Retirement Planning and Decision-Making
Much has been written about the importance of understanding customers. The ING Retirement Research Institute has now added an important new chapter to that body of information with the release of a new study entitled "Retirement Revealed." Click here to view the press release which provides an overview of the study. Also, visit the ING Retirement Research Institute - Culture Complex at http://ing.us/rri/ing-studies/culture-complex for the "Retirement Revealed" study and other compliance-approved sales presentations, fact sheets and a report that provides more insight into the retirement and financial habits, attitudes and preparedness of America's diverse workforce.
Tip of the Week - Make a Connection! Email Bundles now available... Even "Build Your Own!"
Use pre-packaged groups of emails to contact customers on a regular schedule - or build your own bundles! Access the pre-packaged emails in the "Category" dropdown on the PromoCenter and choose when you want them to send. Read more
Lincoln Benefit
Help Customers Choose the Best Value
Everyone wants to get the best value for their money, whether they are buying clothes, a car or life insurance. Giving customers a clear picture of the real costs and benefits of a universal life insurance policy can be challenging. This calculator helps you take a few numbers from your customer’s personal situation to create a Total Value Worksheet. Read more
New Look for Legacy II Series Annual Statements
As of February 2, 2012, Legacy Secure II and Legacy Choice II annual statements now have a fresh, new look. Read more
Benefits of Funding Life Insurance with IncomeReady
Customers who receive a large lump-sum annuity payment may look to you for advice on how to properly use the funds. Talk to them about the benefits of using IncomeReady - a competive, single premium immediate annuity from LBL - to fund a life insurance policy. This strategy can provide mulitple benefits for customers and their beneficiaries. IncomeReady Benefits | Read more about IncomeReady
Importance of Timing for Farmers & Ranchers
Farmers and ranchers who have valuable tracts of land but little cash to pay federal estate taxes are at particular risk in this current economic environment. The window is closing on the rare opportunity that they have to extricate themselves from such tax exposure at relatively little cost. Read more
Compliance Notice for Florida
The Florida Division of Agent and Agency Services has announced changes regarding producer's appointments and renewals. Read more
Diversify Your Customers' Portfolios Using Life Insurance
When selling Legacy Secure II and Legacy Choice II, encourage customers to think of their purchase as an asset rather than an expense. Unlike many other assets, life insurance allows you to turn relatively low premium payments into a potentially large and predictable death benefit. View More
Maryland False Administration Website
The Maryland Insurance Administration recently became aware of a non-affiliated website offering licensing renewal services. When renewing your licensing online, please verify the website that you are using before running any additional files on your computer. Read more
Lincoln Financial
Still the One for Your Secondary Guarantee Needs
Offer your clients cost-efficient, leading-edge UL protection from the #1 provider of secondary guarantee life insurance.1 While other carriers have left the secondary guarantee market, Lincoln remains the #1 provider thanks to your confidence in our financially disciplined approach to asset and risk management. 1LIMRA Individual Life, UL and SUL 3Q2011 Sales Report. Read more
Lincoln LifeGuarantee® UL (2012) and Lincoln LifeGuarantee® SUL (2012) - Our Commitment to the Secondary Guarantee Market
Lincoln remains committed to its valuable secondary guarantee products and maintaining its competitive level-pay lifetime guarantee pricing within our core age 65+ markets. National Lincoln LifeGuarantee UL (2012) version is not available in New York. Refer to Lincoln LifeGuarantee®Plus UL (2009) and Lincoln LifeGuarantee SUL (2009) for New York sales. Read more
MetLife
Updated: 2012 Million Dollar Round Table Update
The certifying letters for the 2012 Million Dollar Round Table will be mailed to qualifying producers during the week of January 30. Click here to learn more.
Nationwide
Weekly Economic Review & Outlook (Week of February 6, 2012)
The banner start to the year continues for risk assets, which had another solid week on the back of further signs of a strengthening recovery. The S&P 500 has risen in every week thus far in 2012. Read more
Pacific Life
The Importance of Policy Review
With the current uncertainty in the financial markets, it is more important than ever to provide your clients with guidance as to their existing insurance coverage and strategies. A periodic review will help ensure that your clients' coverage and strategies continue to be consistent with their insurable needs and financial objective. Read More
Principal
Marketing Tools Box
New tools at www.principal.com/bga make it easier for you to market yourself and our solutions. Get Web banner ads, order kits and order co-branded email templates and print materials. Click here to view the tool box
Principal Variable Universal Life Income III
Do you have clients looking for tax-effective ways to save additional dollars for retirement? Use Principal VUL Income III to help clients address their retirement income gap. View Sales Opportunities
Advisor Updates – 1st Quarter
It's a monthly technical newsletter aimed at professional advisors (e.g., attorneys, CPAs) whose practices focus on estate planning, business planning and executive benefits. Read more
Prudential
See for Yourself How PruLife® Universal (UL) Protector (July 2011) Compares vs. Five Key Competitors
Pru's UL Protector offers your clients exceptional value and lifetime guarantees from a name they know and trust. Pru's full pay and single pay rates are very competitive. Read more
Transamerica
TransACT® Marketing Enhancements Launch Next Week
New improvements to TransACT are launching next week to make it easier for you to find the marketing tools and resources you use most. The Pre-Sale tab is being replaced with two new, reorganized tabs: Marketing and Product. There's also an updated look and new content features.
EMSI Provides Transamerica Life Insurance Company with IGO Mobile
EMSI is now approved to provide you with the IGO Mobile service for Transamerica products. IGO Mobile is a new paramedical exam process in which Part II of the life application is electronically collected by an EMSI examiner through the use of a laptop. While with the applicant, the examiner inputs the Part II information into a secure, online form and obtains an electronic signature. Learn More About IGO Mobile
National Underwriter
Understanding the Tax Implications of Life Insurance
Three top producers discuss the threats to the tax treatment of life insurance and what they're doing to minimize those threats.
Looking to Expand Your Portfolio? Consider Indexed Universal Life
The perceived potential for growth has sales of indexed universal life products growing faster than any other individual life product.
A much-anticipated report on improving and modernizing U.S. insurance regulation will be released “in the coming weeks” according to the Treasury Department.
New Business/Underwriting
American General
Wednesday, February 22 at 8 am and Noon PT: eStation Navigation Webinar
Join us February 22, 2012 and learn about the time-saving tools offered through eStation, American General's producer business resource center. Click here for details and dial-in/log-in information.
Online application and simplified submission now available with AG Quick TicketSM
Spend less time doing paperwork and more time in front of clients. Visit AGQuickTicket.com for details.
Feb. 19, Feb. 21, Feb. 24 and Feb. 29, All at Noon ET: AG Quick TicketSM Webinar
Join American General Life Companies for an informative webinar and learn how AG Quick Ticket can help you save time when writing your UL and Term business.
Updated Bank Draft Authorization Form and Procedures
Based on valuable input from our distribution partners, we have revised the Bank Draft Authorization form and updated our procedures. Read bulletin 12-001 for details.
Coming Soon - USL to Implement Regulation 60 Support
Read bulletin 12-009 for details on how New Business will support Reg 60 for United States Life distribution partners.
Revised HIV Testing and Consent Forms
Use of revised HIV Testing and Consent forms began January 26, 2012, for AZ, DE, FL, GA, ME, OR and VT. Read bulletin 12-006 for transition rules.
Introducing Underwriting's ONE STOP SHOP!
Click here to access a variety of Underwriting guides, tools and programs in one convenient place. Save it in your favorites!
L&C Contracting Submissions with Pending New Business
In order to ensure that all agents who are submitting business are fully contracted and appointments are processed in a timely manner, please remember to complete the new business information questions as outlined in bulletin 11-109.
Lincoln Benefit
Forms Update
Between January 28, 2012 and February 10, 2012 the following forms have changed. View here
Lincoln Financial
Lincoln Underwriting - Foreign National Coverage Update!
Lincoln enhances its foreign national guidelines with a new coverage qualifier. Read more
MetLife
Understanding DI Underwriting Kit Introduced
This new kit is a series of educational flyers to help brokers better understand how disability insurance underwriting works, how it can differ from life insurance, tips for what to look out for and how to explain underwriting decisions to clients.
Medical Underwriting Improvements Made
MetLife continues to update and enhance our Underwriting Medical Impairment Manual.
Transamerica
TLIC GA Life Commission Rate Schedules (AMB 3891)
Transamerica has updated the GA Life Commission Rate Schedules, including information on commission provisions for TransACE Survivor® 2010 and TransACE® 2012. To review on TransACT®, go to the Tools tab and click on Agency Forms under eOrdering and then Compensation Schedule Forms.
Six Forms Have Been Updated This Week: View All Updates
You can download up-to-date forms from TransACT. Forms are located under the Tools tab in the eOrdering section. Note: For Producers, forms are located under the Sales Tools tab in the Library section.
Product
American General
Current Annuity Rates and Recent Product Announcements
Read More
Genworth
Effective February 27, in All States, Genworth is Making Changes to the GenGuard® UL, GenGuard® SUL, and Lifetime Protector SG II products
Carriers are taking actions to address the challenge of a sustained low interest rate environment. Several competitors have made similar product changes or exited the secondary death-benefit guarantee market completely. Read more
ING
Rate Changes
Index Cap Changes on One Year S&P Index Cap Strategies & Credit Interest Rate Changes. See this bulletin for details. Also, click here to view the Q&A on these changes.
John Hancock
New Protection UL
Protection UL is engineered to provide more than a typical guaranteed UL policy. Its superior design provides an unrivaled combination of low-cost premiums, cash value growth potential and strong death benefit protection — making it an exceptional value. Click here for more information and access to marketing materials
Indexed UL — Now Offering Clients More Options
Click here to see how you can offer your clients the added advantage of Indexed UL's new options.
Announcing John Hancock's New Protection - RE-PRICE OF PROTECTION UL
Protection UL is engineered to provide more than a typical guaranteed UL policy. Its superior design provides an unrivaled combination of low-cost premiums, cash value growth potential and strong death benefit protection making it an exceptional value. Click here for more information and access to marketing materials.
Lincoln Benefit
Improved Liquidity Guarantee Rider Approved in CT, MO, MN & VT
We are pleased to announce that effective February 27, our improved Liquidity Guarantee Rider will be available for sale in Connecticut, Missouri, Minnesota, and Vermont. The enhancements will make the benefit available to more customers and also allows the benefits to be taken earlier. Read more
Lincoln Financial
Term Rates are Falling!
To improve consumer value and overall competitiveness, Lincoln is lowering the policy fee on Lincoln LifeElements® Level Term. Read more
What About NY?
Read here for product changes that effect NY only as of February 21st. Read more
Closed to New Sales - Lincoln LifeGuarantee Plus UL and Lincoln DurationGuarantee UL Nationwide Product Versions (non-New York)
Our goal is to focus on the products that most benefit your clients. As we continue to refine our product offerings to help you manage your business, effective February 21, Lincoln LifeGuarantee Plus UL and Lincoln DurationGuarantee® UL will be closed to new sales.
February 2012 Product Transition Rules
For your convenience, click here to see all of our transition rules.
MetLife
Reminder: Premium Caps on GAUL and LASUL Policies
Effective March 30, MetLife will update its issue limit rules to implement premium caps on Guarantee Advantage UL® and Legacy Advantage SULSM policies, applied for both with or without a coverage continuation rider. Click here for details.
Protective Life
Protective Secure-T 12/11 Now Approved in Oregon
As of February 6, Protective Secure-T 12/11 is now available for new applications in Oregon. View additional details here.
See for Yourself... Secure-T Rates Decreased!
Protective Life’s Secure-T rates have decreased by as much as 20%. Read more
Transamerica
New Protection Options Available on IUL
The Income Protection Option (IPO) Endorsement and Overloan Protection Rider (OPR) are available on new sales of Freedom Index Universal Life IISM and Freedom Global IUL IISM as of January 27, 2012. The IPO is a no-cost endorsement that allows policy owners to set up a death benefit payout as a guaranteed monthly income, an initial or final lump sum, or a combination of these options for each beneficiary. Policies issued prior to January 27 are eligible to add the IPO endorsement for a limited time. The OPR can prevent a policy from lapsing due to excessive loans and is automatically included on all non-MEC, Guideline Premium Test (GPT) policies issued on or after January 27, 2012. Transamerica will add the OPR rider to all applicable policies issued prior to January 27, 2012. The IPO and OPR became available in Arizona as of February 2. Product Bulletin | Approved States | Product Guide
Now Accepted: Applications for TransACE® 2012
Applications are now being processed for the new TransACE® 2012 product. TransACE offers lifetime guarantees, increased flexibility with the MultiFlex Surrender Endorsement (MSE) and more competitive premiums. Illustration capability is now available on TransWare® and WinFlex. Note: This 2012 version of TransACE is now available for sale in Indiana, bringing the total of approved jurisdictions to 33. The transition rules specified in the Product Bulletin will apply to this state. Product Bulletin | Approved States
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