Untitled Document

Commercial Premium Financing Checklist
This client approved commercial premium financing checklist is intended to serve as an aid in efficiently implementing a case. Click here to view.

Supplemental Income Strategy
The supplemental income strategy can help clients feel confident that they are taking care of their future financial needs as well as protecting the needs of the ones they love. Use this fact finder to determine if this strategy is a good fit for your clients.

The double duty value of life insurance
With interest rates at historic lows, and income taxes poised to increase in 2011 and beyond, there appears to be a resurgence of interest in utilizing life insurance as a cash accumulation vehicle. Read more

For clients who seek $1 million in universal life (UL) insurance coverage, take a look at GenGuard UL. Read more

ING

Marketing Resources for ING Retirement Extra using ING IUL-Global!
See how well ING Retirement Extra using life insurance works with the features of ING Indexed Universal Life-Global! We have new marketing resources available for you to use to spread the word. Where do you get started? These new personalizable pieces are easy to find on the Life PromoCenter. We've added a new section called Retirement Extra and ING IUL-Global which contains these materials:

ING Retirement Extra using ING IUL-Global is easy to illustrate on ING Presents. Use the Retirement Extra Wizard or Tab or use the Concept Express tool. Personalized client presentations are available as well right from your ING Presents illustration!

First Insurance Funding Special Financing Program Updated
The special financing program through First Insurance Funding for ING IUL-Global now has lower interest rates! Learn more

John Hancock

September Central Intelligence
In this issue:

Automatic IRA bill introduced in the House and Senate
IRS provides safe harbor guidelines for life insurance policies with maturity after age 100
Principal Life Insurance: Lack of insurable interest found in STOLI case
Olmstead: Charging order not the exclusive remedy for creditors of a Florida Single-Member LLC.
Case in Point: Refinancing with low interest rates

The Proposal to Limit the GST Exemption to 2 Generations with Raymond Young
STOLI Update with Steve Baker and Jim Hoffman
Duties of a Trustee in the Cochran Case, Parts 1 & 2 with Barry Flagg and Patti Spencer

Click here to access JHAM Radio Broadcasts.

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!

Life Insurance and a Non-Income Earning Spouse
The need for insurance on the life of a non-income-earning spouse is often overlooked. Consider the financial value of childcare and the multitude of services to pay for in the event of premature death. Click here for more information.

Keep Your Eye on the Prize
The uncertainty over the future course of the federal estate tax has caused customers to be hesitant about establishing and gifting to irrevocable life insurance trusts since they lose control of their gifts and the insurance it buys. They must stay focused and "keep their eye on the prize" so they don't overlook life insurance solutions. View the article

Lincoln Financial

Five for Five - Lincoln OptiChoice Fixed Indexed Annuity
Flexible premium deferred fixed indexed annuity. Click here for more information.

Protect business interests with Lincoln UL!
Offer business owners the advantages of affordability, a choice of coverage duration, and the flexibilities of universal life insurance. Lincoln DurationGuarantee UL is a cost-effective way to protect their business interests should an owner or key shareholder die. Read more

HURRY! Diversify clients’ concentrated stock with Lincoln DurationGuarantee^SM UL before capital gains rates rise
If legislation is not changed before year-end, the long-term capital gains tax will rise from 15% to 20% for everyone in tax brackets above 15%. Read more

Mutual of Omaha

What’s the best way to help pay my parents’ estate settlement costs?
My parents have worked hard to build assets over their lifetime. Most of their assets are invested in the family business and in real estate, which doesn’t leave a lot of flexibility to pay for estate settlement costs when the time comes. Read more

Help cover estate settlement costs with survivorship life insurance
Some people own assets that aren't liquid, such as real estate or businesses. If the family wants to keep those assets instead of selling them to pay the estate taxes and estate settlement costs, then they could purchase a second-to-die life insurance policy. But what if the parents lack the income to pay the premiums on the life insurance? Read more

Principal

Multi-Owner Buy-Out: Exit planning for professional service firms!
Our Multi-Owner Buy-Out concept makes it easy for you to jump into the exit planning market. Go to www.principal.com/multiowner to check out all of the marketing tools available.

Business Market Administration: Leave the details to us!
The Principal Financial Group^® provides all of the ongoing services you and your clients will need with any of our business owner and executive solutions.View what we provide.

Prudential

Opportunities in a Low Interest Rate Environment
The August 7520 rate is lower than it has been in 18 months. When interest rates are at historic lows (see the September Legislative Update), optimal use can be made of wealth transfer tools such as grantor retained annuity trusts (GRATs) and charitable lead annuity trusts (CLATs), as well as financing tools such as private annuities, installment sales and self-cancelling installment notes. This month Advanced Marketing is highlighting resources that explain those strategies. Opportunities in a Low Interest Rate Environment.

For any individuals who made Roth conversions in 2009 (prior to the elimination of the $100,000 adjusted gross income limit), it should be noted that the deadline for recharacterization is coming up next month on October 15. If the Roth IRA has not performed well, it may be helpful to recharacterize the 2009 conversion and then reconvert at a later time.

Sun Life

Double Duty Value of Life Insurance
With interest rates at historic lows, and income taxes poised to increase in 2011 and beyond, there appears to be a resurgence of interest in utilizing life insurance as a cash accumulation vehicle. These lifetime cash value objectives could include supplemental retirement income, college education funds, or almost any long-term emergency fund needs. The time-honored appeal of “double-duty dollars” persists—using premium payments to support valuable family, estate, or business protection, and at the same time build long-term equity. Read more

Transamerica

Get Free CE Credit for Charitable Legacy Planning
Encourage producers to learn more about Charitable Legacy Planning by offering a one-hour CE presentation on Charitable Legacy Planning. For more information, contact Strategic Marketing's Field Education department at 866-545-9058, ext. 3247.

Replay Kick-Off to Sales Webinar: "Why Sell Qualified Plans?"
Gain yardage toward your year-end goal with the valuable plays featured in this month's "Kick-Off to Sales" webinar. Learn what new, flexible options are available and how to go the distance by purchasing life insurance on a pre-tax basis to be held within qualified plans. Replay Dial in: (800) 475-6701 Access Code: 139102. For a copy of the presentation, click here.

MetLife

Updated MetLife DI Rep Contact List
Click here for an updated DI Rep contact list. As an FYI all of the Reps and Sales Specialists in FL have new phone numbers. There have also been changes in the Northeast region to territory alignment.

National Underwriter

JHA: Group LTD Sales Fall 21%
The great recession hit new U.S. group short-term disability and long-term disability insurance sales hard in the first half of the year… Read more

National Underwriter

Ohio Changes Settlement Rule
The Ohio Department of Insurance has adopted a rule governing the questions life insurers may ask to discourage possible stranger-originated life insurance transactions…Read more

Former Life Settlement Exec Sues Over Commissions
A life settlement industry veteran is suing a former employer in connection with allegations that the employer failed to pay him commissions on a $200 million investment he says he brought to the firm…Read more

Product Updates
Below is a quick product update. Click on each link for additional information.

Hartford – Bicentennial UL Freedom (rate reduction; effective for cases on or after November 15th)

11/13: Lincoln Benefit Life – 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
11/15: Protective/WCL – Centennial Survivor G SUL/Golden Legacy Protector X UL (rate increase)
12/03: John Hancock – Protection UL-G (reprice; less than 8% below A70; more than 8% above A70; new product will be named UL-G)
John Hancock – Protection SUL-G (reprice; 8% at most ages; new product will be named SUL-G)

With fixed index universal life insurance, your clients are protected by the death benefit and their cash value can accumulate on a tax-deferred basis. Read more

GenDex Momentum® Fixed Index Universal Life Insurance Policy is designed for those who need death benefit protection and want to build their cash value through tax-deferred growth and indexed interest. Read more

Athena UL^sm
Athena UL^sm is cost-efficient, flexible and strong. See how we stack up against our current assumption competitors.

Competitive Survivorship Universal Life Premiums
Our survivorship universal life (SUL) insurance product has competitive premiums for all clients, not just the healthiest couples. Take a look at how our SUL premiums compare to others in the industry.

The end of the year brings new opportunities for sales, including some "use it or lose it" opportunities for your distributors' clients. The end of 2010 - a "one of a kind year" for wealth transfer planning - may provide some additional unique sales opportunities. Click here to access both client and business opportunities.

Click here for an article from ING Financial Research lays out some potential dangers in aggressive pricing, especially amid the recent market turmoil. The author takes an approach favoring the review of daily data rather than data compiled just once at the end of each month. "This article is a must-read for anyone who isn't currently selling indexed universal life. Use this article to show your clients the potential advantages of more conservative pricing." John McSwaney President of McSwaney & Associates Consulting, Inc.

ING IUL-Global offers the power of using three indexes with a “best two out of three” hindsight crediting strategy. Click here for details in an ING Life Companies' flyer, linking ING IUL-Global with the Retirement Extra strategy.

Uncover Treasures of the Baltic with John Hancock Conference Bonus Credit
Producer qualification is $600,000 target premium from the sale of individual and survivorship non-variable life insurance products during the 2010 production year. Open to independent producers only. Click here for more information.

Performance UL – The Price Is Right
Performance UL's recent premium reductions provide an excellent opportunity for clients to realize significant savings versus a guaranteed UL policy. Click here to learn more.

Case Closed: Guarantees and Cash Value – The Best of Both Worlds
Click here to see how splitting a Protection UL-G and Performance UL case can offer your clients lower premiums and potential for higher cash values.

Lincoln Financial

Lincoln's sweet solution for shorter duration UL
Lincoln DurationGuarantee^SM UL is shorter duration guaranteed UL coverage that’s affordably priced to provide a sweet solution for you and your clients. Learn more

Lincoln LifeGuarantee^® SUL is #1 and offers coverage for less money on lifetime guarantees
Why not go with the leader? Lincoln is the #1 distributor of secondary guarantee life insurance. We have extensive experience in this market and can help you and your clients find top-of-the-line solutions. Lincoln LifeGuarantee SUL is a great, competitive product. See how we stack up to the competition and why we’re #1! Read more

Which product, when?
Click here to view a handy guide to Lincoln LifeElements^® Level Term and Lincoln DurationGuarantee^SM UL, and when each might be best.

Lincoln Benefit

Simplify the IUL Explanation
Indexed Universal Life is a great choice in today's economy. Yet, IULs have a bad reputation since many are so confusing. LBL's Ultra Index is one of the most straightforward IUL products on the market, which makes it easier for you to sell. Advantages of IULs customer brochure

Find new leads in your current book of business
As your customers’ lives change, so do their life insurance needs. They may not be thinking about these evolving needs, but you should be. If you’re not already doing life insurance reviews with your customers, it’s OK. We’re here to help you get started using the powerful Book of Business Download Tool. Read more

MetLife Investments Delivering on Our Promises
The Delivering on Our Promises piece has been updated to reflect MetLife's investment portfolio for the second quarter of 2010. This client approved piece illustrates the position of MetLife's investment portfolio. Read more.

Mutual of Omaha

Guaranteed Universal Life Complete dial-a-guarantee
View Details

Guaranteed Universal Life Express
View Details

COE 2011 Istanbul
All incentive trips aren’t created equal. What makes Mutual of Omaha’s trips so special? We treat you like royalty. Take you places you couldn’t go on your own. Show you sights from a unique perspective. All to give you an experience you simply won’t forget. Learn more

NLG UL — incredible pricing and a guaranteed rate of return
Find out the most competitive spots for our NLG UL product, and learn how its guaranteed death benefit can play an important role in a client's diversified portfolio, especially through changing economic times. Read more

Principal

Principal Universal Life Flex^SM (Accumulation): Retirement income sales idea!
Many clients are looking to fill the retirement gap, but are wary of market risk. Principal Universal Life Flex (Accumulation) can be a great alternative solution. View sales idea.

Prudential

Prudential's 2010 Women's Study
Looking to increase your sales? Click here to view presentation.

For the first time, all Sun Life product illustrations are on one web-based software application – Winflex Web. Click here for more information.

Transamerica

Show Them the Cost of Waiting
Provide producers with hard numbers that will help them overcome objections from clients who want to "wait and see." Forward this flyer that illustrates how costly waiting just a few years can be. Click here.

TransSecurity^SM Consumer Flyer
With this flyer, producers can help clients offer loved ones a brighter future with Transamerica's unique Income Protection Option (IPO). You can co-brand the flyer on Ad Lizard. To view the consumer flyer, click here.

The Resources for Life Roadshow is in Full Swing
We still have five locations on our itinerary: Hartford, Philadelphia, Chicago, Irvine and Seattle. To see the dates or to register, click click here.

Easy-to-Share TransSecurity Consumer Video
Our 2-1/2 minute TransSecurity^SM consumer video plays automatically and is easy-to-share. For instructions on downloading and emailing this concise, compelling introduction to the TransSecurity Solution, please call our Sales Desk at (866) 545-9058. Watch it here.

Finish the Year on TOP
Help producers close out the year with higher term sales. Easily create a customized, consumer-friendly TOP pre-approach letter in PDF or email form. For more information, contact the Strategic Marketing Sales Desk at 866-545-9058.

Don’t wait another minute – Schedule time to meet with families and businesses in your community to discuss the benefits of life insurance to protect the lives they love. Read more

The Showdown in Cow Town... Are you ready?
Coming to NAILBA November 2010 - Click here to view

National Underwriter

Dodd-Frank: SEC Drafts Family Office Definition
The U.S. Securities and Exchange Commission has proposed a rule that could affect which family offices continue to be exempt from SEC investment advisor registration requirements…Read more

New York Proposes Variable Life Reg Update
The New York State Insurance Department has unveiled a draft of a variable life insurance regulation that includes new sections dealing with private placement variable life arrangements…Read more

Editor's Blog: Godwin's Law
NU Editor Bill Coffin writes that there is nothing remotely socialist or Marxist about healthcare reform, financial services reform, tax policy…Read more

IASB: Finnegan Defends Margin-Based Reporting
Financial reports created using proposed international accounting standards may look strange at first, but they give clear information about how insurance contracts are really doing, Patrick Finnegan says…Read more

ING Life Companies cut ING TermSmart and ING TermSmart*NY rates. Click herefor details.

What do Tobacco, Low Bands, and the rest of the ING TermSmart & ING TermSmart*NY rates have in common? After a long, hot summer… they've been REFRESHED! And we hope you are too. The following pieces can be found on ING for Professionals, ING Life PromoCenter, in the ING TermSmart & ING TermSmart*NY sales kits and are available for order.

John Hancock

John Hancock Protection Whole Life Sales Temporarily Suspended
Effective September 20, 2010, sales for Protection Whole Life will be suspended temporarily. We are not currently able to offer this product due to the ongoing low interest rate environment. Read more

New John Hancock Trust (JHT) Prospectus Supplement Dated September 24, 2010
The JHT Supplement Document includes the September 24, 2010 supplement outlining changes to certain portfolios, and the Prospectus Update Chart shows all applicable supplements you should be using.

New ABR added to New York's GUL Express, GUL Complete and Legacy SPL
View Details

West Coast Life

New State Approvals for Secure-T and WCL Income Provider Option Voice Signature Added to TeleLife^®

Effective Monday, October 11, 2010 Secure-T will be available for new applications within the state of California. Go here to read more on important business transition rules and information about WinFlex illustrations.
West Coast Life's Income Provider Option will be available in all states except California effective Monday, October 11, 2010. View details here.
West Coast Life is pleased to announce the addition of Voice Signature to the TeleLife^® process. Read more about this new innovative enhancement