Advanced Markets
John Hancock
Life Insurance and 1035 Exchanges with Kevin Blanton, JH Advanced Markets Radio
Kevin Blanton, Associate Counsel and AVP of Advanced Markets, joined Randy Zipse, JD, CPA and Senior Counsel, The Advanced Markets Group, to discuss what to look out for when dealing with 1035 exchanges of life insurance. Click here to listen.
Lincoln Benefit
Advanced Planning Case Study - Executive Buyout
The Situation: Your customer has an employee who is very valuable to the business and may want to purchase the business when they retire. There is also the underlying worry that this employee's talent and ability means that a competing firm might try to lure them away.
A Planning Strategy: Your customer can set up a Restricted Executive Bonus Arrangement (REBA) as a simple, flexible and cost-effective way to reward the employee. Additionally, your customer can have their attorney prepare a buy-sell agreement (funded with life insurance) to ensure that the funds are available to the employee when the time comes to purchase the business. Read the Case Study
MetLife
Thursday, June 16 at 2pm ET: Advanced Markets Webinar: Standby Survivorship Trust
Andrew Rinn will host an advanced markets webinar on Standby Survivorship Trust. Click here for details.
Principal
Principal Select Buy-Out PlanSM
Help business owners choose between two financing strategies to help a key employee buy the business. View Flyer View Website
TRA 2010
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Key Person Insurance
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Estate Protection
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Exit Planning
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West Coast Life
Get Your Clients Thinking About GrandLegacy!
Your clients cherish their grandchildren's giggles, smiles and hugs... but are usually glad to be spared the sleepless nights, time-outs and temper tantrums that they once endured as parents. Without a doubt, the bond shared by grandparents and grandchildren is unique and enduring. Read more
Marketing/Industry Updates
NFP
Product Update
06/06: Lincoln Financial – LifeElements Level Term 2011 (rate improvements for all term periods for higher face amounts at ages 50+; in NY the conversion period is now equal to the later of the end of the 5th policy year or before attained age 70, formerly attained age 60)
American General
Offer Your Term Clients More Peace Of Mind With a Monthly Income Option
American General Life Companies, a longstanding term insurance leader, announces availability of a monthly income benefit rider to be used in conjunction with our flagship term product: AG Select-a-Term. The Select Income Rider (SIR) is issued by American General Life Insurance Company (AGL) and The United States Life Insurance Company in the City of New York (USL). Read more
High Five!
The 5 Point Play has been extended through December 31, 2011 -- meaning a five point increase in writing agent compensation on most UL products! Read the flyer for details and send the fillable version to producers in your downline.
New! Select Income RiderSM for AG Select-a-Term®
A powerful insurance combination for families: guaranteed monthly income in addition to a lump-sum death benefit. Be sure to view the new SIR PowerPoint presentation.
AXA
A Nanny, a Housekeeper, a Cook and So Much More!
The stay-at-home parent does all three jobs and more...and it often goes unnoticed. See the value of a stay-at-home parent.
Start your Engines!
The Athena UL microsite offers tips on how to sell it, who to target and a clever performance calculator. Learn more
Go For a Spin With AXA Equitable
Learn more
Take the Tour!
Watch this tour of our website or send it along to your distribution partners. Learn about the valuable tools and resources available at axa-equitable.com. Saving time, convenience and ease of use are just a few of the benefits you'll experience. Tutorials can be found under Marketing Resources > Multimedia > Brainshark presentations. Look for more tutorials coming soon to a computer near you.
Lincoln Benefit
Got a Few Second to Help Make a Better Carrier?
Click here to answer this month’s Quick Question
Spring Edition of The Edge Now Available
In this edition of The Edge you'll meet Scott Richardson and learn about his customer-focused approach to financial planning. Find out why Sheryl Moore thinks now is a great time to help your customers take advantage of market growth with Index Universal Life. And, read about our latest two annuities, RightFitSM Annuity and ChoiceRate Annuity. Find this and more in this edition of The Edge! Click here to view.
Diversify Your Customers' Portfolios Using Life Insurance
Encourage customers to think of life insurance 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. Read more
What Does It Mean To Do the Right Thing?
Great relationships are built on trust and integrity, and those traits set LBL apart. You know we’ll be here when you need us and that we’ll do everything we can to help you meet the needs of your customers. Read more
MetLife
Life Compensation is "Going Green"
Life Compensation is supporting a "going green" initiative by eliminating paper commission statements to Third Party Distribution General Agencies. The last paper statement will be mailed June 24. Click here to view the notice.
Term Conversion Plus Enhancements
MetLife extends the Term Conversion Plus Program through October 14 and lowered the eligibility criteria to $250,000. Click to view the Program Details or Producer FAQs.
Tools to Discuss MetLife's Recent $1.5 Billion Policy Dividend Payment Press Release with Clients
Click here to access tools you can use to talk with clients about the key components of dividends and the differences between stock and mutual insurance companies.
New Sales Concept Series Now Available
Term Laddering sales materials now available. Click here to view.
Principal
Dream Again with The Principal®
The Principal® strives to recognize financial advisors because they play a very important role. To help individuals visualize their financial dreams, The Principal has created an online Dreamcatcher tool. The personalized strategies financial professionals help clients build can be, in many cases, the difference between them realizing their dreams and coming up short. Read more
Update Products & Services Guide
Click here to view
Prudential
Our New Brand and Renewed Commitment to Your Success
This Bring Your Challenges brochure discusses our new strategic direction and will provide an overview of the breadth and diversity of our business lines.
National Underwriter
Former EBSA Chief: Rewrite Fiduciary Draft
Brad Campbell, the former head of the Employee Benefits Security Administration, says the U.S. Department of Labor should overhaul its retirement plan fiduciary definition proposal…Read more
MDRT Speaker: To Close Fast, Go Slow
Advisors may be able to shorten the time it takes to close on a sale by taking their time…Read more
Swiss Tax Treaty Change Affects IRA Dividends
The U.S. Treasury Department and Swiss officials have proposed a tax protocol that could affect taxation of dividends owned by individual retirement savings plans…Read more
Unclaimed Property: California Regulators Share Authority with Verus
The California Department of Insurance has armed a private auditing firm with the powers of the insurance commissioner, in an apparent sign that the department is making an investigation of life insurer claim settlement practices a top priority…Read more
Appeals Court Rules in Assignment of Benefits Case
A federal court in Chicago has ruled against a finance company, and in favor of a life insurance policyholder's children, in a case involving the issue of assignment of policy benefits…Read more
Pension Actuaries, Hawks Duel over Nest Eggs
Reducing retirement savings incentives would hurt working families while doing less to cut the federal deficit than the budget hawks predict, pension actuaries say…Read more
Do You Own a Business or a Fancy Job?
Many professionals believe they own businesses which are saleable assets that will continue to thrive after they retire or leave the company. Oftentimes, however, what they really have is a "fancy job." What's the difference between owning a company and holding a fancy job? Read more
Innovative Your Business Model for Competitive Advantage
The financial services industry has experienced immense changes over the past forty years…Read more
The Wait-and-See Trust
The Tax Relief Act of 2010 made significant changes to the federal transfer tax system, including a $5 million federal estate and gift tax exemption…Read more
Building Member Relationships that Last
Member retention is an increasingly important issue for every insurer to address. The cost to acquire a member is high, and if for some reason this member leaves within the first year, the investment is lost…Read more
Product
Lincoln Financial
Lincoln LifeElements® Term Prices Are Falling!
On June 6, 2011, Lincoln released the latest update to the Term product portfolio, Lincoln LifeElements® Level Term (2011). Rates for all four term periods were improved for many of ourhigher-face amount clients at ages 50 and older. Click here for more information. Click here for marketing materials.
Term Conversion Guidelines
As of June 6, 2011, Lincoln updated its life insurance term conversion guidelines. Read more
MetLife
Legacy Advantage Survivorship Universal Life Product Update
June 3 was the last date for applications to be signed, dated and received in good order, in the home office to receive the old Legacy Advantage SUL rates. Click here for important details.
Nationwide
Introducing the new Nationwide® Future Executive UL
Get the flexibility your advisors need to succeed with their business clients. It used to be that working in business solutions meant one thing - VUL. Many clients today are wary of market risk, so, you've got to provide your producers a high-quality fixed option. Read more
Click here for the Producer Quick Start Guide
Click here for the Product Highlights
Prudential
Reminder….SUL Protector Repriced Effective 5/2/2011
Repricing Rules
Transamerica
Final Reminder: TransUltra Plus® NY No Longer Available for Sale in New York
While TransUltra® SP NY will continue to be available for sale in New York, TransUltra Plus® NY will be discontinued. Complete applications in good order for TransUltra Plus® NY must be signed by June 15, 2011, and received in Cedar Rapids by June 30, 2011. TransUltra Plus® remains available in the other U.S. jurisdictions where it has been approved for sale.
Of Current Interest
For interest rates on Transamerica products effective June 8, 2011, click here |
