Carrier Updates — November 29, 2010
High priority items in red!

2010 Year End Deadlines

AXA

Year-End Deadlines
As we near the end of the 2010, please note these important dates regarding life application processing for year-end.

ING

2010 End of Year New Business Deadlines
Click here

John Hancock

Year-End Dates to Remember
As year-end approaches, our focus at John Hancock is on helping you place as many cases as possible to meet, or surpass, your 2010 business goals. Click here for important dates to remember, specifically for those cases you are targeting to place by the end of the year.

Lincoln Benefit

Important Year End Processing Dates
Don't miss the cutoff dates for processing new business and paying commissions. Learn more

MetLife

The Unique S Corporation Opportunity: Take Action in 2010
Owners of S Corporations with prior C Corporation earnings can disperse a company's Accumulated Earnings & Profits account at 15% in 2010. In 2011, these dispersals could be subject to a 39.6% federal income tax rate. Click here to learn more.

Nationwide

2010 Year End Deadlines

If you’re not already focused on hitting year-end deadlines, you will be soon. We want to help make sure your Nationwide^® life insurance cases count for 2010 production. Read more

Pacific Life

Year-End Procedures for 2010
It's time to begin preparing for 2010 year-end closing.  As always, our goal is to make this a successful year-end for everyone. Click here to view.

Principal

Dates to know to expedite your year-end life business
Year-end is rapidly approaching, and the Individual Life New Business and Administration teams are looking forward to processing your year-end business and providing you the best service possible. Here are important dates, tips and reminders to expedite and ensure credit for your year-end cases. Click here to view.

Prudential

2010 Year End Deadline
All Delivery Requirements (In Good Order), including the premium, must be received by Prudential no later than 12/21/2010 in order to receive compensation in 2010. Read more

Sun Life

2010 year-end new business processing guidelines
Click here to review.

Transamerica

Tips for New Business Processing and Important Year-End Dates (AMB 3860)
We are committed to processing your business as quickly as possible. To help avoid delays and ensure cases are processed as fast as possible, view our New Business Year-End Tips by clicking here. To review the Agency Managers' Bulletin that contains key dates, click here.

Advanced Markets

AXA

How can employees receive an Executive Bonus and pay minimal income tax?

What is the BATL^SM Plan? A technique used by employers to offset employee out-of-pocket life insurance expenses and supplement retirement income while retaining a "golden handcuff."  Read more

ING

NEW!  Special Needs Planning consumer postcard
You wanted it, you got it! We now have a consumer version of the Special Needs Planning postcard, available for personalization on the ING Life PromoCenter. Access it here

Business Planning Micro Site
Our new Business Planning Micro Site contains all the information and materials you need for business planning sales!  Access it here

John Hancock

Year-End Planning
Unused annual tax-free exclusion gifts, as well as lifetime gift tax exemption amounts, will be lost if they are not used by December 31, 2010. Help your clients take advantage of many year-end planning options.Click here to view our 2010 Year-End Planning brochure to learn more. 

Sale to a Grantor Trust
With interest rates at historical lows, the benefits of transferring a family business through a note Sale to a Grantor Trust is attractive even if the asset does not grow in value.The income generated from the business asset in the trust can then be used to purchase a needed life insurance policy. Now's the time to open or review cold cases to illustrate potential huge savings from this transaction before interest rates begin their upward climb. Click here for more information on this topic.

After the Sun Sets
Take a look at our new Because You Asked site regarding what to prepare for in year-end planning and moving into 2011.

Invest in Your Lifetime with Performance UL
Go to www.InvestInYourLifetime.com to use our new interactive tool that graphs premium, death benefit, IRRs, cash values and life expectancy for the Performance of a lifetime.

LIRP Plus
Get a BOOST Out of LIFE with LIRP Plus —- Life Insurance in Retirement Planning Plus. In the context of a client's overall life insurance need, LIRP Plus:

Click here to see our JH Solutions presentation along with our marketing tools on the topic.


Case In Point Summary Booklet
"I gotta guy..." Click here to read our expanded summaries on a variety of real-life advanced sales cases closed across the country with help from our Advanced Markets team!

Mutual of Omaha

Let's say a family owns a business, maybe it's a farm…
Let's also say the parents (who are the owners) want to transfer the ownership of that farm. And, what if:

Click here for just a glimpse of the support Mutual of Omaha can offer you and your producers.

Transamerica

Can't Miss Replay: "You Can't Take It with You" October Webinar
All this month, Transamerica has been spotlighting successful charitable legacy planning strategies. Replay our Kick-Off to Sales webinar to find winning game plans for clients who wish to leave their family a meaningful legacy while benefitting their favorite charity and potentially limiting their income tax liability. 
     Dial in: (800) 475-6701
     Access Code: 139102
For a copy of the presentation, click here.
    
Get Free CE Credit for Charitable Legacy Planning
Encourage producers to learn more about Charitable Legacy Planning by offering a one-hour CE presentation. For more information, contact Strategic Marketing's Field Education department at 866-545-9058, ext. 3247.  

LTC

AXA

Long-Term Care Options
When clients are considering the purchase of a long-term care product, it is important to carefully weigh options because not all long-term care products are the same. View this flyer for more details on AXA Equitable's Long-Term Care Services^SM Rider.

Genworth

A Solution to your clients' LTC problems-TLCA from Genworth
This article was recently published in the October issue of Life Insurance Selling. It is demonstrative of the continued need for clients to plan for a long term care occurrence. In addition to identifying the opportunity for advisors to expand their practice, it goes even further by helping representatives identify the right client and position the solution in an easily understandable way. Click here to read the entire article, and think about TLCA while you are reading it.

Long Term Care Partnership: Available in Montana and Wyoming
Read more

Long Term Care Partnership Policies Available in Maryland December 6, 2010
Read more

John Hancock

Product and pricing changes in MD, SC, and WA – effective November 1st
We will implement new business rate adjustments and a reduction in the Preferred discount on Custom Care II Enhanced in Maryland, South Carolina, and Washington. NOTE: The deadline for submitting applications is November 1, 2010. Read this article for complete details including administrative processing dates and the availability of revised product marketing and training materials.

Florida: Custom Care II Enhanced launching November 1st 
Read this article to learn more about the launch of Custom Care II Enhanced in Florida on Monday, November 1, 2010. This article includes information about the availability of applications, marketing materials, as well as deadlines for submitting Leading Edge applications. 

Tennessee: Custom Care II Enhanced launching November 1st
Read this article to learn more about the launch of Custom Care II Enhanced in Tennessee on Monday, November 1, 2010. This article includes information about the availability of applications, marketing materials, as well as deadlines for submitting Leading Edge applications.

Key processing dates for November 1st in states above
The deadlines for receiving Custom Care II Enhanced and Leading Edge applications in the above-mentioned states are as follows: Applications must be signed on or before October 31, 2010 and received in the home office by November 1, 2010.

Vermont: Illustrate specific benefit configurations using eHansel/Hansel
Producers doing in business in Vermont will be able to illustrate the nine benefit configurations required by the state using eHansel and/or Hansel on Monday, November 1, 2010. Read this article for details about the required illustrations.  

Get the Quarterback playback now
If you missed this week’s call about the 2010 inforce rate action, you can get the playback On Demand now. Click above or visit www.jhltc.com and click on the Quarterback banner to listen.

Register for upcoming 4-hour refresher classes in your state
LTC Connection, our preferred CE vendor, offers the required 4-hour Partnership classroom refresher training courses in states where training is now due. Click on your state for upcoming classes in your area: AZ, CO (5-hour course required), FL, MN, MO, NE, OH, OR, TX, VA, and WI. 

Mutual of Omaha

Mutual of Omaha participates in Kiplinger's LTCi Guide
View Details
View LTCi Guide Details

Sales Solution: Built-in Calendar Day Elimination Period is your competitive advantage
View Details

Old LTC products discontinued in Pennsylvania, new portfolios available
View Details

Put Long-Term Care awareness month to work for you
View Details
Kiplinger's LTC Guide

Your competitive advantage: built-in monthly benefit
View Details

Nationwide

Update on the Nationwide^® long-term care rider availability
At the end of June, we communicated that sales of the Nationwide long-term care rider were temporarily suspended in several states due to licensing issues. We're pleased to let you know that sales of the rider can resume immediately in ALL STATES including CA! Read more

Marketing/Industry Updates

Allianz

Have your clients lost money in the market?
Click here to view

Are your clients worried about increasing taxes?

Click here to view

Do fluctuations in the market have your clients down?
Click here to view

A closer look at policy loans
Fixed index universal life insurance (FIUL) is a way to provide protection as well as supplemental income. Not all policy loans are created equal. Read more

A flexible life insurance solution

GenDex Foundation^® Fixed Index Universal Life Insurance Policy can provide life insurance coverage and flexibility for your clients' needs in all of life's stages. It is designed for those who need death benefit protection and are looking for tax-deferred cash value accumulation potential, but also have concerns about affordability. Read more

LifeWorks

A new solution for generating new revenue -- Cash value accumulation life insurance (specifically, fixed index universal life) can open avenues to clients who’d like death benefit protection, tax-deferred accumulation, and tax benefits all in one product. LifeWorks can help you reach them. Continue reading.

LifeWorks works hard to increase business

We created LifeWorks to tap an often-overlooked source of revenue – fixed index universal life insurance (FIUL). Do you have financial professionals selling variable universal life insurance? There's a great way for these producers to increase their revenue and provide their clients with additional solutions: by adding FIUL products to their business. Read more

Aviva

Join us for one of our live webcasts this month and you could WIN!

We will randomly draw from each webcast’s attendance this month to award one of these Aviva prizes: Golf Towels, Golf Balls, Golf Tees, Ear Buds, Flash Drive, Mouse Pad, Lands’ End Fleece Jacket. Don’t miss your chance to WIN! Topics include: Advanced Markets, Wellness, Product, and Software. Click here for more information.

ING

Follow-up with just those who have clicked on a link in your email
When reviewing your tracking results, you can easily follow-up with just the recipients who have clicked on a link within your email. Learn how

John Hancock

Performance SUL – A Compelling Alternative to Guaranteed SUL
Click here to see how Performance SUL offers lower premiums and greater cash value potential than guaranteed SUL.

John Hancock's Performance UL Beats the Competition
Take a look at how well positioned Performance UL is against the competition.

Lincoln Benefit

Some ideas your agents can use to target customers
For most agents, there are a few challenges that come with running a life insurance review campaign. In the past, one has been where to get professionally-printed marketing materials. Read more

New personalized postcards available
Lincoln Benefit Life now offers a variety of customer postcards that you can personalize with your contact information. Order by December 31, 2010, and they are FREE! Read more

Last Words - by Lou Shuntich
In her 76 years, my grandmother crossed the Atlantic ocean to the new world, raised three sons, and endured the great depression and two world wars. After all that, her "last words" were a surprise. View the Marketspeak article

Improved Reprojection Navigation
Reprojection navigation on accessallstate.com now offers more convenient, automated servicing. Get the details

MetLife

New TV Commercial Promotes MetLife Term Rates
Set to launch on November 1st, the new commercial invites consumers to see if they qualify for the "Good For You Rate," MetLife's nonsmoker preferred plus rate. The spot positions the value of life insurance in a clear, simple and easy to understand way. Click here to read more.

Attention Users of the WinGawlif and GFS Illustration Systems
It is the time of year when you normally receive an updated CD of year-end changes to both the WinGawlif and the GFS illustration systems. This year you will now be able to download the software. Click here to learn more.

It's the Final Stretch!
Click here to view.

Mutual of Omaha

GUL Complete Sales Solution
View Details

United of Omaha's Electronic Life Product Portfolio
View Details

New GUL Express and Complete Catch-up Solve Feature on Winflex
View Details

New Wyoming Do Not Call Regulations

View Details

November 2010 Holiday Solicitation Ban

View Details

GULE and GULC comparison flyer
View Details

New Sales Professional Access (SPA) page
This page makes changing your profile information quick and easy View Details

Nationwide

At Nationwide®, clients can convert their term policy to permanent insurance - without being underwritten again

Nationwide's Permanent for Life program allows clients with eligible term policies to purchase a new permanent life insurance policy without current medical requirements. Read more

Prudential

Afraid of the Dark?
Your clients should never be left alone in the dark about life insurance.  Click here to view presentation.

Sun Life

New IDRs - more fund info on a single page!
Sun Life’s new IDRs offer your clients more in-depth fund data in am more convenient single-page format. Click here for more information.

Take advantage of the External Term Exchange program for up to $1,500,000 to Sun AccumULator^SM
Click here to learn more about the program and our competitive Sun AccumULator.

"Do You Have Clients Who Match These Profiles" cross-references client needs with planning solutions and products
 View it here. A companion interactive CD is available in On Line Ordering on www.sunlifesales.com using the order number
MSD 44/800.

Sun Life Financial Updated Contact List
Click here to view.

Transamerica

Easy-to-Use Presentation Options for TransSecurity
It's easier than ever to open the door to UL sales with the new TransSecurity^SM Consumer Presentation. Offer clients guarantees and control with two easy-to-use tools: an auto-play video that producers can use as a training tool or send as a link to clients; and a PowerPoint^® version with comprehensive speaker notes for face-to-face meetings with prospects. To view the auto-play version, click here. To download the PowerPoint presentation, click here.

TransACE Survivor – Flexibility for Changing Times
TransACE Survivor offers flexible features to help clients navigate through these uncertain times. With the new Enhanced Surrender Value Endorsement added to our portfolio of riders and options, clients have even more options to meet their specific needs. For additional information, click here.  

Fixed Universal Life MVPs
This flyer provides an easy-to-read comparison of Transamerica's Fixed Universal Life MVPs (Most Valuable Products). See how key features, such as our Income Protection Option (IPO), offer value and add control. To download the flyer, click here.

Product

John Hancock

John Hancock Re-Pricing Protection UL-G and Protection SUL-G

Effective December 3, 2003 our Protection UL-G and SUL-G products will be repriced.  The new products will be launched as UL-G and SUL-G (no longer using Protection). In general, the UL-G premium increases are:

SUL-G premium increases are 8% at most ages.  The target premium levels on both products will be increased along with the premium increases.  There will no longer be an enhanced target premium on PPRE cases.  However, the clients who meet the enhanced premium requirement will benefit from lower ongoing premiums. Click here for a flyer announcing the details.  

Lincoln Benefit

First –Year Premium Limits on Legacy Series
Beginning November 13, 2010, the first-year premium for Legacy Choice UL, Legacy Secure UL, & Legacy Secure SL will be limited to a max of six times the target premium. Read more

MetLife

2011 Dividend Scale
MetLife expects to pay more than $1.55 billion in policy dividend payments to eligible life insurance policyholders in 2011. This significant payment reinforces our continued commitment to providing policyholders with value.

Click here for details about MetLife's 2011 Dividend Scale. Despite the uncertainty in the financial markets and a sustained low interest rate environment, MetLife's long standing disciplined approach toward making financial decisions has allowed us to continue this uninterrupted tradition of providing our policyholders with these payments.

Protective Life

Protective Centennial Survivor G UL 11/10 Product Re-price
Recent challenges in the guaranteed UL marketplace have generated price increases across the industry. In some cases, it has resulted in the complete withdrawal of a product from the marketplace. Given the current environment, we will be increasing the rates for our survivorship no-lapse guarantee product. Effective November 15, 2010, rates will increase on the Protective Centennial Survivor G UL 11/10 product for all ages, genders, and premium scenarios. Read more

Transamerica

TransACE Survivor UL Revisions
As communicated previously, the Enhanced Surrender Value Endorsement has been added, along with the November 1 revised premium rates on our TransACE Survivor^® UL product. Formal applications for the TransACE Survivor^® 2008 product can be submitted until November 30, 2010. For more information, click here. For a copy of the revised product guide, click here. 

West Coast Life

West Coast Life Golden Legacy Protector X UL 11/10 Product Re-price
Recent challenges in the guaranteed UL marketplace have generated price increases across the industry. In some cases, these increases have resulted in the complete withdrawal of a product from the marketplace. Given the current environment, we will be increasing the rates for our survivorship no-lapse guarantee product. Effective November 15, 2010, rates will increase on the West Coast Life Golden Legacy Protector X UL 11/10product for all ages, genders, and premium scenarios. Read more