2011 Year-End Deadlines
AXA
Year End Deadline Dates
As we enter the final quarter of 2011, please note these important dates regarding life application processing for year-end.
ING
2011 End of Year Deadlines
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Lincoln Benefit
Important Year End Processing Dates
Don't miss the cutoff dates for processing new business and paying commissions. Read more
Nationwide
Get Your Business Placed in 2011
Click here for more information
Principal
Year End Deadlines and Information
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Prudential
2011 Year End Deadline Reminders
All delivery requirements must be received by Prudential no later than 12/20/11 in order to receive compensation in 2011. Read more including key reminders for a winning year end.
Advanced Markets
AXA
The Silver Lining in Low Interest Rates and a Depressed Market
Interest rates remain at all time lows and many clients hold assets that are still depressed from recent market fluctuations. This “double-discount” offers what might be a once in a lifetime opportunity to transfer wealth at highly discounted rates. See how life insurance... Read more
Help Boost Wealth Transfer with Life Insurance Death Benefits
A common objection to life insurance is that clients often believe that they can do better with their dollars than pay premiums towards a death benefit. AXA Equitable offers... Read more
AXA Equitable’s Charitable Legacy Rider
AXA Equitable is one of the few carriers to offer this distinct rider to help clients meet charitable objectives. For no additional cost, AXA Equitable will offer an additional 1% death benefit for policies with a death benefit over $1,000,000. The added benefit, which can be as much as $10,000, is flexible, can be changed as a client’s charitable interests evolve and can be spread across multiple qualified charities. Read more
ING
Inter-Family Loans: A Timely Wealth Transfer Opportunity
Even though Congress has temporarily increased the gift exemption to $5,000,000 per person, a number of well-to-do clients may not wish to make gifts. Inter-Family Loans present an interesting and timely alternative. Such loans can be quite attractive now because interest rates are at or near historical lows. These loans can be used to fund life insurance premiums. This new consumer brochure may be used with parents and grandparents interested in wealth transfer opportunities looking for alternatives to lifetime gifts. Available for download on ING for Professionals or the Wealth Transfer/Estate Planning Microsite, for personalization on the ING Life PromoCenter, and for order later this week using #161635. Also available: Transferring Wealth with Inter-Family Loans consumer brochure
John Hancock
Stranger Owned Life Insurance Stephan Leimberg, October 18, 2011 Broadcast, JH Advanced Markets Radio
Stephan Leimberg, JD, CEO of Leimberg Information Services, CEO of Leimberg & LeClair, joined Randy Zipse, JD, CPA, to provide an update on Stranger Owned Life Insurance. Click here to listen to the JHAM broadcast:
Mutual of Omaha
Estate Planning Utilizing Life Insurance
Estate planning is not just for the wealthy - it may be even more important for clients whose estates are smaller due to the impact of final expenses. Customize and print the attached consumer flyer and share it with your clients and prospects. View Flyer
Principal
The Right Fit for Estate Planning
A big question facing individuals today is the uncertain future of estate tax laws. Sunset provisions in current law provide a $5 million estate tax exemption and a top marginal estate tax rate of 35 percent in 2011 and 2012. In 2013, the estate tax exemption is scheduled to return to $1 million, with a top marginal rate of 55 percent. Read more
Transamerica
A Smart Approach to Retirement for Small Business Owners
Many Americans are worried about saving enough for retirement, and small business owners are no exception. For this market, defined benefit plans continue to provide a number of attractive benefits for retirement savings, especially for those nearing retirement age. Learn how you can help small business owner clients enhance their retirement security by combining a defined benefit plan with the guarantees and flexibility of a TransSecure II whole life policy. You can create life insurance sales by helping put a small business owner in better control of their financial future. Read more
Disability Insurance
Mutual of Omaha
Introducing the DI Choice at Work Portfolio to Hawaii and Vermont
See how the new DI Choice at Work portfolio will provide you with a unique sales opportunity in the DI multi-life market. Get in front of multiple clients with a portfolio of products that can be tailored to fit the needs of most any business and its employees. View Details
Revised Individual and Multi-Life Product and Underwriting Guides Now Available
Because of our recent occupational upgrades, we have revised the individual and multi-life underwriting guides. Be sure you have the most recent version. DI Choice Product and Underwriting Guide, DI Choice at Work Product and Underwriting Guide
American General
AG Secure Lifetime GUL, We Jive at 55!
Compare the premium and guaranteed cash value accumulation in AG Secure Lifetime GUL® to its competitors. With a suite of unrivaled guarantees and the flexibility to adapt to future needs, AG Secure Lifetime GUL provides retirees with the choices they want. Read more
Termination of Non-Producing Agents: New Guidelines
Agents identified as "non-producing" are notified that their contract and/ or appointment is being terminated for lack of production. Read the following guidelines being introduced.
We're Nifty at 50!
Compare premium and cash value for AG Secure Lifetime GUL® to its competitors.
Sell UL and Win a Trip to Africa
See how only 5 submitted UL cases can qualify you to win a trip to Africa.
Rolling Targets Available on AG Choice Index GULSM
With 24-month rolling target premium, you can receive full target on AG Choice Index GUL.
How Competitive is AG Choice Index GULSM
Compare benefits of key competitors to the new AG Choice Index GUL.
AXA
Seven Ideas to Boost Your Year-End Sales
As we close 2011, Let AXA Equitable help you with ideas designed to push your year-end sales over goal. Read more
Important Website Information
Due to maintenance and upgrades to our content repository, all documents and e-forms on www.axa-equitable.com will be unavailable during the following times:
- Thursday, October 20th at 10pm EDT until 4am Friday, October 21st.
- Saturday, October, 22nd at 12pm EDT until 4pm Sunday, October 23rd.
Aviva
Aviva USA - The Leader in Indexed Universal Life
In 1998, a few select carriers introduced the first Indexed Universal Life products. A year later, Aviva USA’s predecessor company joined the market and has since become the leading provider of IUL, a position we have not relinquished. Read more
Banner
New Legal & General America Business-to-Business Site!
Legal & General America has a new Business-to-Business website! Check out our updated design, more organized marketing materials, go-to resources, forms, and news! Click here to read more about it.
ING
ING IUL-GDB & ING IUL-GDB NY
It's an Indexed UL designed for Substantial Growth Potential. It has a Guaranteed Death Benefit. It's . . . It's ING IUL-GDB and ING IUL-GDB NY! Introducing ING Indexed Universal Life-Guaranteed Death Benefit (ING IUL-GDB) issued by Security Life of Denver Insurance Company and ING Indexed Universal Life-Guaranteed Death Benefit NY (ING IUL-GDB NY) issued by ReliaStar Life Insurance Company of New York. Start illustrating today on ING Presents, Winflex or even online at Life Illustration Express.
John Hancock
Don’t Miss Out…Far East
Join us aboard Silversea’s Silver Shadow – sailing for 10 days through exotic ports in Hong Kong, Vietnam, and Singapore. Read more
Lincoln Benefit
A Strong Portfolio Should Include Life Insurance
Universal life policies offer a number of benefits that can aid in asset diversification and reduce overall risk. Read more
Mutual of Omaha
GUL and GUL Plus - Flexibility for Your Clients, More Sales Potential for You
Check out the choices these two products can offer your clients. View Details
Choosing the Right GUL Policy
GUL and GUL Plus are two great products to choose from, but how do your producers decide which one to use when? Here are some brief guidelines for which GUL policy knocks it out of the park in some typical sales situations.
When Should You Recommend GUL or GUL Plus?
Which product is best for your client? View Details
What Can GUL Do for You?
Real-life situations with GUL as the solution. Take a look at six different sales scenarios that show your producers how to get the most out of GUL and GUL Plus.
Nationwide
10/17/11 Weekly Economic Review & Outlook
The October bounce-back was in full bloom during the week as markets responded to confidence building signals in Europe and ‘better than feared’ economic indicators in the US. In response, it was another strong week for risk assets, which also benefitted from a relatively healthy start to the third quarter earnings season. All of the major U.S. equity indices are now back in positive territory on a year-to-date basis, although global markets continue to lag. Read more | Click here for the Podcast
Protective Life
John Oates Performing at NAILBA 30 sponsored by Protective
On Thursday, November 17 music legend John Oates will take the stage at 8:30 in the Ristorante Tuscany for an exclusive performance sponsored by Protective Life. Click here for more information.
Reminder - Video Conferencing with Protective Life
The response from Protective's video conferencing survey has been tremendous. Our thanks to those who have completed the survey. For those who may have missed the initial email, would you please take a moment to complete this very brief survey and let us know your thoughts about video conferencing? We will be closing the survey at the end of the week.
https://www.surveymonkey.com/s/plvideoconferencing
The results of this survey will help us better understand how we can use these tools to work with you and improve our overall communication. As our way of saying thanks for your valuable time, we'll donate $5 to the LIFE Foundation for every completed survey. Please let us know your thoughts and thank you for your time.
Prudential
See "Why" Pru Can Help Drive Home the Need for Life Insurance!
Click here for more information.
Individual Life Insurance Post Issue Interactive Voice Response (IVR)
In today’s marketplace, customers expect an efficient, user-friendly call center experience. In addition, customers expect self service options that allow them to obtain service, even outside of core business hours. Read more
Transamerica
A New Approach to Help Pay for College
You likely know clients who are concerned about funds being available when their children or grandchildren are ready for college. This is especially true with the recent stock market volatility. Use this easy-to-understand client piece to show parents, grandparents and other family members how a Freedom Global IUL II helps them enjoy the protection and growth they want, without the exposure to market declines. Read more
Uncertain Times Call for Guaranteed Solutions
Address client concerns over market volatility by offering a solution with built in guarantees and flexibility. Clients can 1035 exchange into a guaranteed TransACE UL policy that offers three valuable options that can provide the flexibility to respond to all of life's changes. Learn More
New Ad Campaign
Transamerica has a dynamic, new advertising campaign that showcases how we help transform our customers' tomorrows through life insurance, retirement products and investments. Click here to view | Visit the Updated Transamerica.com Website
William Penn
New Legal & General America Business-to-Business Site!
Legal & General America has a new Business-to-Business website! Check out our updated design, more organized marketing materials, go-to resources, forms, and news! Click here to read more about it.
National Underwriter
Federal Regulatory Scenarios Require Uniformity at All Levels, Report Says
Smoothing out the inefficiencies of state regulation, with its dependency on state legislatures…
Conning: Low Interest Rate Environment is Bad for Life Insurers
Analysis of life insurers' investment profiles shows their response to the credit crisis – increasing cash and sovereign debt holdings – now…
What's a Fiduciary? Keep Fingers Crossed (CFO)
Since October 2010, the financial services industry has been fighting the Department of Labor's proposed update to Employee Retirement Income Security Act regulations. The change would be the first in 36 years, and was largely recommended due to shifts in retirement plan designs and the financial marketplace. Significantly, the new rule would cast a much wider net for the meaning of fiduciary.
Most Retirees Will Not See Full COLA in 2012 Social Security Checks
Insured Retirement Institute President Cathy Weatherford says the need for guaranteed income is growing as Social Security and pensions become less reliable forms of retirement income.…
The U.S. life insurance industry may begin to see some erosion in results in the third quarter, despite strong earnings in the first half, according to a report published by Standard & Poor's Ratings Services.
Application activity for individually underwritten life insurance fell in September by 3.4% compared to last year.
Agent Tries to Supplement the Shoebox in the Closet
Life policyholders can use the site to list the companies that issued their policies along with the last four digits of their Social Security numbers. When a policyholder dies, a potential beneficiary can enter the policyholder’s name, the policyholder’s birthdate and the last four digits of the policyholder’s Social Security number. The searcher then sees the life insurance company names the policyholder listed.
In a Volatile Market, Some Turn to Insurance Instead of Bonds (New York Times)
With low interest rates on government bonds, some financial advisors are encouraging their clients to buy permanent life insurance as an investment vehicle.
In an ongoing effort to prevent another catastrophe like AIG's near-fatal implosion in 2008, federal regulators are considering what kinds of restrictions to place on financial services firms whose failure could shock the system. The question remains: how will this apply to the largest insurers?
How to Attract Better Clients
Getting prospects to know you before they ever meet you is the best way to build a great client base. How do you do this? The answer is twofold: Create the right branding and ask the right questions.
Transforming Social Friends into Business Friends
How do you transform social friends into business friends? Very carefully, because here's the reality – business changes existing friendships.
Product
American General
AG Choice Index GULSM and AG Secure Lifetime GUL® Now Approved in PA
Both guaranteed universal life products are now approved in Pennsylvania. Learn more from the bulletin.
AG Choice Index GULSM Now Approved in NY
AG Choice Index GUL has been approved in the state of NY. Learn more from bulletin.
John Hancock
Indexed UL: Frequently Asked Product Questions
Click here to view the most frequently asked questions about John Hancock's new Indexed UL product.
Indexed UL: Accumulation & Safety
Indexed UL is a powerful combination of accumulation and safety: accumulation potential through two Indexed Account options and safety with a competitive Fixed Account option. Click here to learn more.
You'll Like Us Even More Now! John Hancock's Protection UL Just Got More Competitive
Hartford recently introduced a new guaranteed UL product, making Protection UL even more competitive now! This flyer has more information.
John Hancock's Premier Life Finishes Ahead of Guardian, MetLife and MassMutual
Premier Life's strong death benefit guarantees, competitive guaranteed cash values and current assumption performance make it a more than worthy competitor to Guardian's Whole Life 121, MetLife's Promise Whole Life and MassMutual's Whole Life Legacy 100. Click on the flyers below to see how Premier Life stacks up:
Dividend Announcement: John Hancock's Traditional Single Life & Survivorship Policies
The Board of Directors has elected to maintain the current dividend interest crediting rate on John Hancock Life Insurance Company's (U.S.A.) participating Whole Life Insurance policies originally issued through The Manufacturers Life Insurance Company (U.S.A.). Click here for more information on this topic.
Introducing John Hancock Term in Nevada, Combining New Lower Premiums with Guaranteed Coverage
John Hancock's repriced Term products are now more competitive at all issue ages, term periods and face amounts — with significant premium reductions for Term 20! Click here for details.
Introducing John Hancock's Premier Life in Delaware, Uncompromising Value and Flexibility
By combining the predictable benefits of a whole life contract with the adaptability of a flexible premium policy, the new Premier Life is an ideal solution for clients who want uncompromising value and flexibility. Click here for more information.
Lincoln Benefit
TrueTerm Rates Are Going Down
Effective November 21, 2011, we are reducing rates for our TrueTerm product, making it a more competitive solution in our life portfolio. The rate changes will reduce rates in select cells up to 20%, with typical rate reductions in the range of 5-15%.Click here for the nationwide bulletin | Click here for the New York bulletin
Lincoln Financial
Lincoln MoneyGuard® and MoneyGuard® LS Credited Interest Rate Change
Effective November 1, 2011 The Lincoln National Life Insurance Company will reduce the credited interest rates on a limited block of in-force MoneyGuard® and MoneyGuard® LS policies. The rate action is a result of an interest rate environment that has continued to impose significant pressure on the earned rate on the assets supporting Lincoln’s life policies and is consistent with changes made on Lincoln’s other lines of business. Read more
Mass Mutual
Mass Mutual’s Limited Pay Whole Life Insurance Products - Whole Life Legacy 10 Pay, Whole Life Legacy 20 Pay and Whole Life Legacy 65
Few companies offer the portfolio of limited pay whole life products MassMutual does. The newest entrants to this marketplace were introduced by Guardian. Guardian introduced 10 Pay Whole Life in 2009 and 20 Pay Whole Life and Life Paid Up at 65 in 2010. These products compete directly with ours and they are similar in many ways, yet MassMutual’s products have a few distinct advantages. Read more
Prudential
Product State Approval Updates
UL Protector approved in California as of October 10, 2011 and WorkLife 65 approved in Maryland as of October 3, 2011
Transamerica
Oregon Approves TLIC IUL Products for Sale
Effective today, the Freedom Global IUL IISM and the Freedom Index Universal Life IISM products are available for sale in Oregon. To review the updated Authorization to Sell bulletin, click here.
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