Advanced Markets
American General
Small Business Seminar Toolkit
Small Business Prospecting Toolkit with access everything you need to hold a Small Business seminar and attract prospective clients.
Aviva
Two Year Window to Maximize Gifting Opportunities
The Tax Relief Unemployment Insurance Reauthorization and Job Creation Act of 2010 (“Act”) created a two year increase in the gift tax exemption to $5M per person ($10M per married couple). This is an unprecedented lifetime gift exemption level that creates enormous planning opportunities for our clients. Read more
ING
Transferring Wealth with Inter-Family Loans: A Flexible Alternative to Gifting
TRA 2010 gives clients until the end of 2012 to make large gifts to their children and grandchildren. But for those clients who don't wish to make gifts, inter-family loans may serve as a flexible alternative! Read more in the new consumer-approved brochure available on ING for Professionals, the Wealth Transfer/Estate Planning microsite, and for personalization on the Life PromoCenter.
Buy-Sell Policy Review Materials
New sales opportunities may arise from a review of the life insurance policies funding buy-sell agreements. These new client-approved materials help you review the life insurance policies funding clients' buy-sell agreements, to make sure they are performing as expected and will deliver the benefits desired when originally purchased. Both are available on ING for Professionals or the Business Planning Microsite.
Protective Life/West Coast Life
Make Us Part of Your Team!
Dick Kait heads our Advanced Sales Team for Protective Life and West Coast Life. With more than 30 years experience, Dick works with advisors, agents, and brokers to help meet the complex and demanding needs of high net worth individuals, executives, small business owners, and their families. Read more
Disability Insurance
MetLife
MetLife DI Underwriting Alerts
As part of a greater effort to enhance DI underwriting we have recently revised the DI Underwriting Manual. As revisions are made to guidelines for certain medical conditions, periodic Underwriting Alerts Flyers will be released. These Alerts will help increase everyone's understanding of DI underwriting and how we approach these conditions from an underwriting standpoint.
Obstructive Sleep Apnea
Diabetes
Breast Cancer
Mitral Valve
Pregnancy – Related Complications
Barretts
Mutual of Omaha
Do You Have the Information You Need to Make the Underwriting Process Go Smoothly?
Check out the underwriting process podcast on Sales Professional Access to find out more. Simply click on the training resources link once you are on the DI Choice product page. Disability Income Choice on Sales Professional Access
National Underwriter
8th Circuit Rules on Disability Reinsurance Case
A 3-judge panel at the 8th U.S. Circuit Court of Appeals has backed a district court in a case involving Employers Reinsurance Company and Massachusetts Mutual Life Insurance Company…Read more
NAIC: Disability Valuation Table Project in Pipeline
An American Academy of Actuaries work group could have a long-term disability insurance valuation table proposal ready for review by March 2012…Read more
The Case for DI
You know the value of disability insurance, and so do the people who own policies. But the biggest advocates might be the ones who have filed claims on those policies, as well as the families who benefit from the decision to protect future income from unforeseen accidents…Click here to read more.
Marketing/Industry Updates
AG Lifetime Income Builder, The Fifteen Year Plan: Growth and Income Guaranteed
Steve and his wife Elaine are both 55, and in excellent health, with parents in their 70s. They have accumulated substantial assets in the last 30 years of working and diligently saving, and they want to protect and grow those assets for their future retirement. Unfortunately, they are now gun shy about investments that can lose value, having suffered through two significant bear markets in the last decade. With a plan to work until 70, they want to be sure their retirement plans are rock solid, regardless of the economic environment. What can they do?
Sell UL and Win a Trip to Africa
See how only 5 submitted UL cases can qualify you to win a trip to Africa.
See how AG Choice Index GUL Stacks up to the Competition
Compare benefits of key competitors to the new AG Choice Index GUL.
Build Relationships and Earn Extra Commission
Visit the Policyowner Marketing Programs playbook to learn how.
ING
The Key to Reaching the Middle Market? A New Approach
Please see this article from the September issue of Life Insurance Selling written by Butch Britton, CEO, ING U.S. Insurance, calling for a new approach to serving the middle market.
Dispelling the Top 12 Myths About Life Insurance
Butch Britton, CEO, ING U.S. Insurance, is featured in this article on AOL's Daily Finance. The piece, entitled "Dispelling the Top 12 Myths About Life Insurance" takes aim at common misperceptions about life insurance.
John Hancock
You'll Like Us Even More Now! John Hancock's Protection UL Just Got More Competitive
MetLife recently introduced a new guaranteed UL product, but Protection UL is even more competitive now — check it out!
Market Fluctuations Making You Dizzy? Take The Emotions Out Of Investing By Using a Long-Term Approach
This flyer offers insight on how to cope with the ever-changing financial marketplace and suggests a long-term planning approach to help take the emotions out of everyday market fluctuations.
Lincoln Financial
A College Funding Source with No Exposure to Market Losses
Life Insurance Awareness Month know-how… You rely on life insurance for financial protection. Did you know that some policies, such as indexed universal life insurance, can provide income to help you meet future goals? Read more
Mutual of Omaha
Help Your Business Grow with Two Very Competitive Products
Sales ideas for GUL and GUL Plus. GUL Dial-a-Guarantee, GUL Plus Short-Pay Option
One Convenient Point-of-Sale Brochure
Here is a great way to show your clients how our GUL, GUL Plus and GUL Express can help protect their family. United of Omaha, Companion Life Insurance Company
Principal
Principal Universal Life FlexSM sales idea
See the potential premium outlay for a 45-year-old engineer seeking to supplement his retirement. Use as is, or customize with your own contact information. View sales idea
Client Email Focuses on Our Stability
Reassure clients that The Principal® remains financially strong and stable despite current market volatility. Get email
Transamerica
Guidelines for Transfer Requests for Independent Producers and Multiple GA Relationships (AMB 3879)
AMB 3879 explains Transamerica's guidelines regarding producer transfer requests, multiple general agent relationships and sales director transfer requests. To read the AMB, click here.
Order 2012 Tax Facts by September 22
General agents and producers can now order the 2012 Tax Facts, which will be available in early December. Take advantage of the discounted pricing and order the two-volume Tax Facts on Insurance and Tax Facts on Employee Benefits. To get last year's pricing, orders must be received by September 22, so please complete and mail the order form today. To view summaries of each publication and get the order form, click here.
West Coast Life
West Coast OneStep Life’s “IRR” Leads the Competition!
Initial premiums 25% less than our traditional UL with lifetime guarantees AND flexibility! Read more
National Underwriter
Dodd-Frank: Employers Pan Swap Counterparty Aid
Employee benefit plans want the right to waive a proposed rule that would require swap counterparties to give benefit plans extra scrutiny and advice…Read more
Insurers to FSB: It Takes a Long Time for Us to Fail
Insurers are asking the Financial Stability Board to recognize that major financial problems take longer to develop at insurers than at banks, and that insurers face much less liquidity risk…Read more
SPARK Posts Data Layouts
The SPARK Institute is trying to help retirement plan investment product providers and record keepers comply with new federal performance reporting rules that are set to take effect April 1, 2012…Read more
IRS Goes Back To Drawing Board on Estate Costs
The Internal Revenue Service is scrapping proposed estate administration cost deduction rules it released in 2007…Read more
MIB: Life Activity Continues to Rise
U.S. life insurers researched more requests for individual coverage in August than they did in August 2010…Read more
CFPB Asks About Financial Products Offered to Servicemembers
The new Bureau of Consumer Financial Protection has published a notice seeking information about financial products and services aimed at members of the armed services…Read more
California Set to Restrict RAA Use
California has moved to keep life insurers from making retained asset accounts the default benefits payment mechanism…Read more
GAO Study: More DB Plans Are Investing in Hedge Funds, Private Equity Funds
A growing number of defined benefit plans, predominately large ones, are investing through hedge funds and in private equity funds…Read more
House Committee May Unveil SRO Bill after September 13 Hearing
Washington insiders are betting that the House Financial Services Committee will introduce legislation calling for a self-regulatory organization (SRO) for advisors…Read more
Cogent: 8 in 10 Advisors are Using Alternatives
Seventy-eight percent of retail advisors are using alternative investments within client portfolios, according to a new report…Read more
White Paper Founds No ERISA Fiduciary Conflict Regarding Affiliated Funds
It is not a fiduciary conflict of interest nor a prohibited transaction under the Employee Retirement Income Security Act to make a retirement plan provider's affiliated funds part of an investment strategy…Read more
Product
American General
Discontinuation of AG ROP Select-a-Term 15®
Effective October 1, 2011, the insurers of American General Life Companies will suspend sales of AG ROP Select-a-Term 15 level premium endowment term insurance.
Lincoln Financial
Lincoln Financial is Changing its Heavily Funded Premium Limitations on its Lincoln LifeGuarantee® UL and SUL (2009) products.
Fully completed applications for the Lincoln LifeGuarantee® (2009) product must be signed, dated and received in good order (including the 1035 Policy Exchange Agreement/Absolute Assignment form if the case is a 1035 Exchange)* in Lincoln’s home office by Thursday, September 15 to qualify. Read more
* Lincoln Financial defines heavily funded business as a policy with illustrated premiums (including exchanges) in excess of 3.5 times target on average for any of the first 10 years.
MetLife
Guarantee Advantage Universal Life Product Reprice
September 30 is the last date for applications to be signed, dated and received in good order in the home office to receive the old rates. Click here for details.
New Equity Advantage VUL Prospectus Supplement
Effective immediately, when selling Equity Advantage VUL, a new prospectus supplement dated August 29, 2011 is required with the prospectus. Click here for more information.
Transamerica
Reminder: Trendsetter® Super Series Withdrawal
Transamerica Life Insurance Company has withdrawn from sale the Trendsetter® Super Series Level Premium Product Portfolio. Applications for any of the Trendsetter Super Series level premium products (10-, 15-, 20-, 25- or 30-year) must be signed, dated and received in good order in the Cedar Rapids administrative office by close of business on September 30, 2011. For details, click here.
Virginia Approves IUL Products for Sale
Virginia is the latest state to approve the Freedom Index Universal Life IISM and Freedom Global IUL IISM products for sale, effective September 7. To review the updated Authorization to Sell Bulletin, click here.
TransTermSM Approved in Guam
Effective September 7, TransTermSM is now available for sale in Guam. To review the updated Authorization to Sell Bulletin, please click here.
Of Current Interest
For interest rates on Transamerica products effective August 31, 2011, click here.
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