Advanced Markets

AXA

Maximize Sales with AXA Equitable's Return of Premium Rider (ROPR)
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Life, Love, Legacy Planning
The 2010 Tax Act offers producers and clients unprecedented opportunities for wealth transfer planning, some that may not be in place beyond 2012. Life insurance plays a major role in much of this planning, and AXA Equitables’ products offer unique design options that can help clients maximize their legacy planning. Here's how we can help.

Advanced Markets Resource Center

To help you better understand our new online tool, the Advanced Markets Resource Center, please check out this flyer and a brainshark to help clarify essential information that is important to each step of the sales process. Learn more

False sense of security

With changes in the federal estate and gift tax rules introduced for years 2011 and 2012, some taxpayers may have been lulled into a false sense of security. Familiarize yourself with the new rules.

ING

Federal Transfer Tax Chaos Part VII - Tax Reform Act Creates More Potential for Premium Financing

The increased tax-free gifting limits for 2011 and 2012 have the potential to make both existing and new premium financing arrangements more flexible and efficient for clients! Read more

Advanced Marketing: Focus on Distribution, Not Accumulation
This month's Life Insurance Selling features an "Advanced Marketing" article by ING's David Houston, Advanced Sales Consultant. The article discusses the advantages of using life insurance to supplement one's income during retirement.

John Hancock

Monthly Edition Central Intelligence - March 2011
In this issue:

Click here to view.

Combining Planning Strategies & the 2010 Tax Act with Stacy Eastland, JH Advanced Markets Radio, March 22, 2011
Stacy Eastland, JD, Managing Director of Goldman Sachs & Company, Houston, and prominent author and lecturer, joined Randy Zipse, VP and Senior Counsel, The Advanced Markets Group to discuss the possibility of doing GST planning with GRATs in certain situations, as well as the creative and effective ways to combine planning techniques.  Randy and Stacy also discuss the opportunities to use the higher exemptions from the 2010 Tax Act and consider the implications of the reciprocal trust doctrine.  Click here to listen to the broadcast.

Lincoln Benefit

Supporting a Favorite Charity

With Legacy Secure SL, your customers may be able to make a bigger difference than they thought possible—without depleting their children's inheritance. Help them explore the possibilities of charitable giving using life insurance proceeds. Read more

National Underwriter

Systemic Risk: Lawyers Wonder About Non-Insulated Separate Accounts
State insurance commissioners are thinking more about ways to track products, such as corporate-owned life insurance and bank-owned life insurance, with assets held in non-insulated separate accounts…Read more

Nationwide

We can help guide you through the estate planning process
The estate planning landscape is always changing. But getting your clients an effective estate plan doesn't have to be a guessing game. Nationwide® and our team of Advanced Sales specialists can help you anticipate and manage every step of the estate planning process. Read more

Principal

TRA 2010 — Help Your Clients Discover the Opportunities!
Minimizing the impact of estate and business taxes is a major concern for many of your clients, including high-net-worth and affluent clients. They want to preserve the wealth it may have taken them a lifetime to accumulate. Read more

John Hancock

In-force rate action on certain policies in Alabama, Alaska, Ohio and Montana — beginning soon
We are announcing that we will begin policyholder notifications of in-force rate actions on certain John Hancock and Fortis LTC insurance individual policies originally issued in Alabama, Alaska, Ohio, and Montana in late April 2011. Read this article for state-specific details, implementation timelines and tools to help you through this process.

Overview of the Rate Action, LTC-1093
Producer Training Guide, LTC-1128
Information Guide, LTC-1105

Reminder: FamilyCare discontinued effective March 21st
Effective March 21, 2011, we have discontinued the sale of the FamilyCare Benefit in all states. Read this article for complete details including administrative deadlines, and changes to materials and illustrations.

Important information about the Federal Long Term Care Insurance Program
This article provides information about the upcoming FLTCIP open season as well as producer rules of engagement.

Changes to appointment process
Effective April 1, 2011, all new MGA/GAs must successfully complete a background check prior to being contracted with John Hancock LTC. On this date, all new producers will need to complete a background questionnaire prior to being appointed.

NC: New producer training requirements
Producers doing business in this state are now required to hold a special license. Read this article for complete details and training deadlines.

Download the latest National Training and Partnership Resource Guide
Recently updated, this guide provides you with all you need to know about training requirements, deadlines, and resources, how to submit proof of certification, as well as additional resources about the National Partnership. Form: LTC-3251

Participate in a private Partnership class
John Hancock is pleased to offer private LTC Partnership classes for your organization through our CE vendor, LTC Connection. We will send an instructor to your organization to teach either the 8-hr or 4-hr mandatory LTCI training requirements.

Mark your calendar for an upcoming Partnership training class
Meet your 8-hour initial and 4-hour refresher training requirements in a classroom setting. Click on your state for upcoming classes in your area: AR, AZ, CO, FL, IL, MD, MO, NE, NJ, OH, OK, OR, SC, TN, TX, VA, WA and WI.  

Mutual of Omaha

Prospecting for Multi-Life Clients
Start getting in front of more small to mid-sized businesses by utilizing these prospecting brochures. Mutual Care at Work Self-Mailer, United Workplace Solutions Business at Risk Brochure

National Underwriter

SOA: Women Spend Far More on Long Term Care
The Society of Actuaries has found a large gap between what average men and average women spend on long term care after age 65…Read more

CLASS: Can It Survive?
Critics of the new Community Living Assistance Services and Supports program say the voluntary worksite long term care plan is doomed; supporters say the government has the flexibility to make it work…Read more

PPACA: PA Regulator Sees Uncertainty
Michael Consedine, the acting Pennsylvania insurance commissioner, says one challenge for a state regulator trying to implement the Patient Protection and Affordable Care Act is the many gaps in federal PPACA regulation…Read more

Life Settlements

National Underwriter

New York Department Rules on Life Settlement Privacy Provisions
An official in the New York State Insurance Department says a life settlement servicing company may not necessarily have the authority to contact an insured to ask about the insured's health status…Read more

Marketing/Industry Updates

American General

AG Secure Lifetime GUL Access to Cash
AG Secure Lifetime GUL provides the unique flexibility to maintain a policy by proportionally reducing premium, cash value accumulation and death benefit. Read more

AG Secure Lifetime GUL
Offers a unique combination of guarantees, with flexibility and choices for whatever life brings: guaranteed death benefit protection, guaranteed cash value, guaranteed access.

A Guaranteed Death Benefit
This sales idea demonstrates the security AG Secure Lifetime GUL can offer with its guaranteed death benefit.

Standard Plus on UL
Are you quoting Standard Plus on your UL cases?

Newsletter Options
You can see all pieces referenced in the Fast Track newsletter, all in one document. Download it now; print and take it with you to read at your convenience, wherever or whenever that may be!  A printer-friendlyversion of this newsletter is also available.

Aviva

Competitive on Smaller Face Amounts
Click here for more information.

AXA

AXA Equitable's Athena UL^SM
AXA Equitable's Athena UL^SM provides 83% more cash value than John Hancock's Protection UL in year 15, assuming the same premium level. View how Athena UL^SM delivers value and price.

Incentive Life Optimizer II and the Long-Term Care Services^SM Rider
A Cost-Efficient, Affordable Combination.

Guaranteed Interest Option (GIO)

All AXA Equitable variable life policyowners with the Guaranteed Interest Option (GIO) - including MLOA Incentive Life Legacy II policy owners - may transfer up to 100% of their unloaned policy account value from the GIO into any of the investment options available under their policies. Read this Field Bulletin for more details.

AXA Equitable's Term Series beats the competition in many situations
Offering some of the most competitive premiums in the industry. See how we compare.

Genworth

Genworth Names Shelby Hollister as Vice President of Life Insurance Underwriting
Read more

ING

Ongoing Elections for Indexed Universal Life (IUL) Policies flyer

See how simple it is for IUL policy owners to establish automatic transfers between strategies with the new "ongoing elections" option! Also, get answers to the most frequently asked questions with this new producer flyer! Personalize on the PromoCenter or order #157910 in print today. Read more

Reps Turn to Equity Index Universal Life Insurance

The current Insurance Letter, an e-publication distributed to the readers of Registered Rep, features a story on the increased popularity of indexed universal life insurance. It provides a basic overview of how IUL products work. The story features ING's Dan Mulheran, President, ING US Individual Life Distribution -- the only insurance company mentioned -- and references our Hypothetical Index Strategy Calculator. Read more

Lincoln Benefit

Consider a Roth IRA
Determining the best vehicle for your customers’ retirement funds is key. It can be the difference between helping them achieve their goals or helping them merely get them through retirement. Are they interested in a retirement vehicle whose benefits include:

…if so, they may be interested in a Roth IRA. Help your customers prepare for Tax Season. Take advantage of materials available from Lincoln Benefit Life. Read more

Lincoln Financial

Tax changes - what you need to know!
Congress acted to extend many of the Bush-era tax provisions in late December, but understanding all of the new information — what has changed and what remains the same — can be daunting. This checklist highlights some of the key tax issues that may affect you. Read more

Tap into one of the broadest life insurance portfolios
With Lincoln, you have the advantage of one of the industry’s broadest, most comprehensive life insurance portfolios. You have solutions to cover the full risk and reward spectrum — from term insurance to UL to VUL and everything in between! Read more

MetLife

Now Serving the new MetLife Promise Whole Life
Read more

Mutual of Omaha

Sydney 2012: An over-the-top reward
The Circle of Excellence trip to Sydney in 2012 is guaranteed to be a fitting reward for your exceptional sales efforts. When you qualify, you’ll be treated to one of the best incentive trips in the industry. Read more

Term Life Answers is now more competitively priced and includes a new waiver of premium for unemployment rider

This will make Term Life Answers more attractive to a wider market and lead to more sales. View Details

New policy conservation opportunities available for your producers
If your producers have a customer whose policy has lapsed or will lapse soon, Mutual of Omaha will send the customer an email notification with directions on how they can access the report from Sales Professional Access. View Details

National Underwriter

Republicans: SEC Has Not Justified Fiduciary Standard Rulemaking
Republican members of the House Financial Services Committee are opposing a U.S. Securities and Exchange Commission decision to proceed with development of a uniform fiduciary standard regulation…Read more

GAMA LAMP: Keeping the Millennials
Recruiting — and retaining — the next generation of agents will take more effective use of technology, a continued focus on traditional recruiting methods, and careful thought about business culture…Read more

FDIC Rule Could Affect Insurers
The Federal Deposit Insurance Corp. has issued an interim final regulation that establishes rules for liquidating troubled, systemically important insurers…Read more

Product

ING

Adjustable Term Rider
Now first year blending will not be discontinued until May 2, 2011. Learn more