Advanced Markets
AXA
Last December, Congress provided a tremendous planning opportunity for wealth transfer and legacy planning…but only for two years
The clock is ticking and we now have just 18 months to take advantage of these estate planning options. Use this approved flyer to help your clients see these options. Click here to see other options.
Like the LIVE call that you can listen to?
Listen to past calls by going to www.axa-equitable.com under My Business > Marketing Resources > Multimedia Center > Brainshark Presentations.
Tuesday, May 24 at 1 pm ET: AXA Equitable's 1040 Overlay
Please join us for an exciting discussion regarding planning opportunities using AXA Equitable's 1040 Overlay.
ING
Key Employee Insurance: Avoiding Potential Problems with Loan Guarantees
When your clients personally guarantee business loans, they may be taking on additional financial risk. Learn about the risk and the potential solution - Key Employee Life insurance. This piece is available on the Business Planning Micro site, for order on ING for Professionals and also available on the print Life PromoCenter.
John Hancock
Case Success Stories with Joe Price, JH Advanced Markets Radio
We re-aired a discussion between Joe Price, Estate Planning Attorney and Large Firm Partner for over 30 years, and Randy Zipse, JD and Senior Counsel, The Advanced Markets Group, as they talk about case success stories and how insurance advisors can collaborate effectively with estate planning attorneys. Joe recently transitioned his role from attorney to insurance advisor recognizing the significant opportunity to help clients and their attorneys in the insurance planning process. Click here to listen to the JHAM broadcast.
Lincoln Benefit
Provide Stability with a Buy-Sell Agreement
According to the Exit Planning Institute, more than 8 million privately held companies will be sold over the next 9–12 years. Many of these companies are owned by baby boomers who don't have a succession plan in place and may have a difficult time finding a buyer when they're ready to sell. A buy-sell agreement can facilitate a smooth transition and prevent legal entanglements, delays and ill will. Read more
Lincoln Financial
Enhanced term prices for mature, high net worth clients
What’s better than Lincoln LifeElements® Level Term affordable, convertible, guaranteed protection? More competitive pricing on this valuable protection! Read more
MetLife
Wednesday, May 25 at 2pm ET: Gifting Strategies Under TRA 2010 Webinar
The webinar will highlight the transfer tax provisions of the TRA, gifting opportunities and three cases studies involving no prior gifts, prior gifts and rolling out of private financing. Click here for details.
Transamerica
How You Can Save Clients $620,000
Mark and Kim needed $5 million of life insurance for their estate planning. See how we were able to save this hypothetical couple $620,000 over 15 years. For your premium financing cases, find out how TransLINK can help by calling (866) 545-9058, Option 2. See Illustration
Getting the Best Offer for a Troubled Business Owner
Despite some positive economic indicators, bankruptcies are still on the rise for small business owners. Find out how to help these troubled business owners get through underwriting. Learn More
Sun Life
Advanced Planning Q2 2011 Take Note Publication: Deficit Reduction: Impact on the Economy
The government continues to run high deficits while the underlying economy continues to sputter. As a result, the country is focused on reducing these deficits and ultimately on the national debt itself. It is seen as one of the top issues facing the country. Click here for more information.
Disability Insurance
MetLife
MetLife's Association Discount Program
Click on the links below for flyers, slipsheets, guidelines and a sample letter for use with our new Association discount program. This is not available in FL, MD, OH, UT, VA and VT. We are working diligently with these states to obtain approval. Please have discussions with your DI Reps regarding this opportunity!
For use with Associations
Electronic Slipsheet
For use with Producers Only-- Not for Use with the General Public
Electronic Broker Slipsheet
Guidelines, Request Form & Sample Letter
For use with Association Members
Electronic Member Slipsheet-- Customize this piece with your photo, contact information and the Association's logo!
Generic Electronic Member Slipsheet
Member Email copy
Principal
Principal Life Disability Wholesalers - Territories/Directories
Click here for the updated documents reflecting territories and contact information for our Disability Income Regional Vice Presidents and their Internal Wholesalers.
Marketing/Industry Updates
Allianz
Higher Education – Raising Client Awareness About Supplemental College Funding through Life Insurance
Jumpstart your life insurance sales – we have the tools that can show you how. A recent article in Agent’s Sales Journal written by Jason Wellmann, senior vice president of life insurance sales at Allianz Life Insurance Company of North America (Allianz), explains how the potential cash value accumulation in life insurance can play an important part of a college funding strategy. Life insurance can be a valuable tool for younger families who are looking to ensure their children are protected in the event of tragedy, but are also looking for additional ways to pay for college. It provides a death benefit that can be used to help pay for college in the event of premature death. And the cash value accumulation can be accessed via loans and withdrawals for supplemental college funding.
What Is Hedging And Why Does It Matter?
Hedging is a way of making strategic investments that are intended to reduce the impact of market downturns. Hedging can help protect your clients — and when it’s done in-house, it can benefit them, too. Our in-house dynamic hedging helps us manage volatility, design innovative products, and keep the promises we make to our customers. It also saves on expenses, which provides advantages to the policyholder. Learn how our in-house dynamic hedging can benefit your clients — and help jumpstart your sales. Download "What is hedging, and why does it matter?" today
American General
Wednesday, June 1 at 1pm ET: Premium Finance with LEGS
Join Creekmore Insurance Group for an informative webinar on the innovative estate and gift tax planning strategy that addresses many common objectives to traditional premium finance arrangements.
Aviva
Webcast Schedule
Click here to view
AXA
What can be an excellent alternative to lifetime no lapse guarantee UL products?
How about a policy with cash value accumulation potential, long-term no lapse guarantees and competitive premiums: Athena Universal LifeSM.
Athena Universal LifeSM can provide real value to clients with flexibility to meet their evolving needs
Wise clients look for value AND price to meet their financial strategies for today and tomorrow. The newly enhanced Athena Universal LifeSM can provide this value with the flexibility to meet changing needs. Among the industry-leading in cash value accumulation potential, long-term no lapse guarantees, and competitive premiums, Athena Universal LifeSM provides a competitive value. In certain scenarios, AXA Equitable's Athena Universal LifeSM can provide 79% more cash value for the same premium in 15 years, based on current rates and charges. That can provide substantial flexibility for the value AND price clients seek. See the competitive value of the newly enhanced Athena Universal LifeSM! Read the competitive positioning flyer to learn more about maximizing sales with Athena ULSM.
Some clients may always be willing to pay the costs and live with the limitations of no-lapse guarantee universal life insurance (NLG UL) contracts
For others, the often higher costs of NLG UL may have crossed their tipping point. AXA Equitable's Athena ULSM offers value, flexibility, and options for client planning that do not exist with NLG UL products. Get the facts on how AXA Equitable's Athena Universal LifeSM (Athena ULSM) compares with the Pacific Life Versa Flex PRO DB (Versa Flex DB).
Lincoln Financial
Illustrate SUL Flex Option on Lincoln DesignItSM and WinFlex!
LGSUL is terrific coverage for those looking to preserve the value of their estates. In today’s economic environment, you may have clients who want to keep some cash on hand today, with the option to pay more for their life insurance coverage later. LGSUL Flex option will help! Read more
MetLife
MetPRESENTS Update v1.5.2
The latest version of MetPRESENTS is now available and ready. Click here to learn more about the latest version and for instructions on how to download and upgrade the software.
Digital Market Survey
click here
MetLife Promise Whole Life
Click here
Product
American General
Extended transition rules for AG Select-a-Term®
The transition period for AG Select-a-Term applicationshas been extended to ensure clients receive the lowest rates available for their case and to make the application and issue process more convenient for our valued producers.
Aviva
On May 23, Aviva is announcing the refresh its No-Lapse Guarantee portfolio, which includes Advantage Builder with its optional NLG Rider and Guarantee UL Solution with its built-in NLG
As part of our process for introducing new or revised products, we are introducing kits. These kits include: a one-piece summary of what’s different between the old and new products, two pieces highlighting competitive analysis (both showing the potential impact Wellness has on NLG premiums) and a client-approved piece showing the advantages of NLG life insurance over term insurance. Samples of these items are attached. The kit also includes an advanced copy of the updated Life Portraits Sales Solutions illustration CD. Please note: if you are having trouble accessing the CD, you must use access code 299 and the state of Iowa to run illustrations. Also as part of the pre-launch process, we are providing the transition rules. Click here for more information.
Clients for Life Brochure
Term vs. NLG Flyer
Aviva NLG Update Flyer
CompetitiveEdge Flyer
AXA
Cash Value Plus Rider (CVPlus) is now available
The new Cash Value Plus Rider (CVPlus) is now available for sale with Inventive Life OptimizerSM II and Athena Indexed Universal LifeSM products. See the field bulletin.
Lincoln Benefit
Legacy Secure SL Gets an Upgrade
As of May 16, 2011, we have made the following changes to Legacy Secure SL:
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'Six times target' premium limit has been removed
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Maximum face amount is now $20 million
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New pricing in targeted areas
Prudential
Term Policy Recapture
The Term recapture policy (previously announced in January of this year) has been recently re-evaluated and changed from 13 months to 12 months (as outlined below). This change will be in effect retroactive to January 1st of this year. Recapture rule: We will recapture 100% of the paid compensation if a Term Essential or Term Elite policy lapses in months 1-6, and 50% of the paid compensation if the policy lapses in months 7-12. Term Essential and Term Elite are issued by Pruco Life Insurance Company in all states except New York, where they are issued by Pruco Life Insurance Company of New Jersey. Each is solely responsible for its own financial condition and contractual obligations. All are Prudential Financial companies located in Newark, NJ.
It’s Official…PruLife® SUL Protector has been Repriced!
Read more here. SUL Protector may be a viable financial solution for many clients, not just high net worth individuals. This attachment contains ten ideas grouped in four different markets that can help expand your sales horizon. |
