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Nationwide Video: A New Way to Offer LTC with Life Insurance
Adult child. Aging parent. Double dilemma. Long-term care (LTC) is one of the more daunting issues adults with aging parents have to deal with. Adding an LTC rider to a Nationwide YourLife No-Lapse Guarantee SUL II life insurance policy may be an affordable and flexible way to help cover LTC expenses along with legacy and estate planning needs within one policy. You can share this idea with your customers by sharing this consumer-approved video. Watch video.
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3 Mark Financial, Inc.
11/11/2015
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An Introductory Webinar for Allianz Fixed Index Annuities
Wednesday Nov. 18, 2015
Learn more about two of the most popular products available in the industry today: Allianz 222 Fixed Index Annuity & Allianz 360 Annuity, both with increasing income potential.
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Accordia
Lifetime Foundation Easy as 1, 2, 3
By now you have heard of Accordia Life’s new Lifetime Foundation product. It is a competitively priced lifetime guarantee product that provides guarantees with flexibility and cash accumulation potential. The attached shows the death benefit guarantees are as easy as 1, 2, 3! Read more.
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John Hancock
John Hancock’s Protection UL vs. a Competitor’s NLG SUL
See how two John Hancock Protection UL policies with the Long-Term Care (LTC) Rider can provide a lower total premium, a higher total target, higher cash value potential, and a higher total Maximum Monthly Benefit Amount (MMBA) when compared to a competitor’s SUL product with LTC rider. Learn more.
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North American
Video: Help Maximize Your Client’s Pension
With the Pension Maximization strategy using life insurance, your soon-to-retire clients may be able to take the Life Only Option under their defined benefit pension plan and still provide for their spouse upon their death. Watch video.
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Minnesota Life
Creating a Brighter Future with Long-Term Care
Long-term care (LTC) can drain your clients' life savings and take a toll on family members who unexpectedly must serve as caregivers. Yet fewer than 3 percent of American adults have purchased an LTC insurance policy. Help give your clients a brighter future this November. Our LTC Agreement, available on select Minnesota Life policies, offers clients long-term care benefits, a death benefit or both. Read more.
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SBLI
SBLI’S New Rates Arrive November 16
SBLI is pleased to announce new, market leading term rates on November 16, 2015. Our rates will be much more competitive across a broad spectrum of ages and face amounts, and continue to be strong among fortysomethings and pre-retirement ages. Read more.
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Symetra
Symetra UL-G Keeps Coming Out on Top
At higher face amounts, Symetra UL-G continues to top the competition in the no-lapse guarantee space with lower annual premiums in our “sweet spot” ages of 50-75.Check out our new heat chart flier to see where we land in each cell. Read more.
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Allianz
Allianz Executives Interviewed by LifeHealthPro
On September 1, 2015, the first phase of Actuarial Guideline 49 (AG 49) became effective for all fixed index universal life (FIUL) insurance policy illustrations. Jason Wellmann, senior vice president of life distribution, and Todd Petit, assistant vice president actuary and illustration actuary, offered their perspectives on the new guideline to LifeHealthPro. Read more.
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Protective
New Tool Available to Create Free Sales Ideas
What matters most to clients looking for an indexed universal life solution? Valuable coverage that offers lower policy expenses and competitive cash-value accumulation. We’ve made this easy to deliver, with an online tool that allows you to create, personalize and share your own sales ideas. Read more.
Video: Sell What Matters to Clients…Time
Clients looking for short-duration coverage want more time to pay their policy premium, because sometimes, life happens and a longer grace period is helpful. Thankfully you can provide clients a longer grace period for an average 5% less in annual premium when compared to traditional term solutions. Watch video.
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AIG
Generation Matters
Find yourself confused by the Millennial world we’re living in? Get clued in today on how to better connect with this generation at work or when closing a sale. Visit aig.com/GenerationMatters for more details.
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Allianz
On 1/1/2016 New Application forms will be required for Allianz. Old applications will be NIGO if received after 12/31/2015. New applications paperwork will be available online at the beginning of November and agents should start using them as soon as they are available. The two changes are:
1. Owner a US Person – substitute W-9 will be built into the application
2. Beneficiary relationship to the Owner section
In order to ensure “0” Not in good order applications you should use the ApplyNOW electronic app program from Allianz
If you have any questions or need any other information please contact John O'Mahoney at your convenience.
Allianz is a pre appointment carrier. Applications dated and submitted prior to appointment approval will be rejected. All new paperwork will be required.
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Forethought
Sales and Marketing Bulletin
Click here
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ASSET TRANSFER TIPS
For all annuity carriers
Transferring assets, or exchanging money via section 1035 of the tax code, may have tax consequences. Any questions regarding taxation should be referred to a qualified tax professional.
- Call the Financial Institution/Insurance Company to see what they require to transfer the money e. g. some financial institutions, like Fidelity, require a call from the client to release money, others like Northwestern Mutual require their own surrender form to accompany the 1035/transfer form from the company receiving the money.
- Attach a copy of a current policy/ account statement for the funds being transferred to the 1035/transfer document.
- Complete the 1035/transfer form carefully and completely. Be sure all necessary signatures are obtained.
- Send original transfer forms with the application to 3 Mark for processing.
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MetLife
New 4th Quarter Underwriting Program
The MetLife Class Match program may double your client's existing policy, whether it's with MetLife or another eligible carrier. Act now! This program is only available until Dec. 31. Read more.
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AXA
Underwriting Celiac Disease
Gluten-free? Read one of AXA's new Underwriting case studies that feature a profile and underwriting decision on a common impairment. Read more.
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Symetra
New Informal Application and Quick Quote Limits on Level Term
To maintain our superior service levels and efficiently process your business, effective Oct. 15, 2015, we will only accept Informal Applications and Quick Quotes on Symetra Level Term with face amounts of $500,000 or more. Learn more.
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AIG
Informal quoting minimums
New application - new forms available now Read more
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Nationwide
Get Your Business Placed in 2015
Make sure your Nationwide life insurance cases count for 2015 production by keeping these dates in mind. Read more.
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Protective
Holiday Schedule and Year End Guidelines
As we near the end of the business year, we want to announce our 2015 holiday schedule, along with year-end business processing guidelines. The following guidelines will help ensure a case is paid and producers receive their compensation and/or production credit for 2015. Read more.
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Prudential
Year End Important Dates and Reminders
As you plan for year-end, we have prepared some helpful key reminders and tips to avoid commonly missed requirements which will assist you for a winning year-end. Read more.
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AXA
2015 Year-End Processing deadlines from AXA click here
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Legal & General
Year-End Closing Dates Click Here
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Phoenix
Operations Bulletin
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Athene
Leaders of Olympus - Three programs with rewards Click here to learn more, including the Aruba trip.
Forethought
Fourth Quarter Sales Incentive Read More
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Lincoln Financial
Double Convention Credit for Lincoln MoneyGuard II and Lincoln LifeElements Level Term. Learn More
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Transamerica
Click here to learn more about the Transamerica Insurables-LearnEarn Campaign
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