News

3/21/2017

Web-based Illustration Software - Business made easy! [VIDEO] - North American | Life
 
North American proudly introduces new web-based illustration software!
 

Effective March 6, 2017, web-based illustration software is available on all of North American Company's single life insurance products! Powered by iPipeline for iGO® users and users of the North American Company website, this new illustration software can help save you time and help make selling easier. Watch the video to find out how!

Watch Now!

read the online version


3/17/2017

UL Protector Transition Rules - Reminder! -Prudential


Just a reminder regarding the UL Protector new pricing and transition dates.  We will need to hold firm to these dates in terms of old vs. new rates.  Important dates are below but please review the full transition rule document for all details.

  • March 26: Last day that an application can be signed with a request for Old Rates
  • March 27:  Applications dated March 27th and later will receive the New Rates only
  • April 3:  Applications based on Old Rates must be received in the Home Office by April 3, 2017. Applications dated prior to March 27 but received in the Home Office after April 3 will be processed with the New Rates
  • June 30:  Inforce Placement Deadline for cases with old rates

3/14/2017

Legal & General America Closed Tuesday
 

DUE TO INCLEMENT WEATHER, LEGAL & GENERAL AMERICA  WILL BE CLOSED TODAY.

Legal & General America will be closed Tuesday, March 14, 2017. 

AppAssist staff will be functioning remotely for client interviews only. Remote underwriters and William Penn staff will continue to take calls. Thank you for your understanding.
 

3/10/2017

New Term Rates, New Consumer-Approved Flyers -Legal and General America

see it online

NEW LOW TERM RATES, NEW CONSUMER MATERIALS! see it online


3/9/2017

Why choose Partners Advantage over other IMOs?
Here is why >> http://blog.partnersadvantage.com/2017/03/experience-advantage-with-partners.html
 

3/7/2017

March Newsletter | Web-based Illustrations are Here! -North American|Life
 
 

North American now offers web-based illustration software on iPipeline's platform for iGO® users! This new software is seamlessly connected to the eApp to help put time back in your schedule.

  • Information passes from the illustration software to the eApp – no need to enter information twice!
  • New solves exclusive to the software can position products in ways not possible before
  • Upgraded reporting with a more visually appealing feel
  • Easy and fast – completing web illustrations with the eApp is 20 minutes faster than paper1

Register for one of our upcoming webinars to learn more about web-based illustrations:

Enhancements
We'll discuss and highlight everything that has changed with the new web software.
Wednesday, March 8th at 3:00PM CST
Tuesday, March 14th at 10:00AM CST

Demonstration
We'll go through the new software and show you a walkthrough of our most common solves.
Thursday, March 9th at 3:00PM CST
Wednesday, March 15th at 10:00AM CST

Read more about the new web-based illustration software and start illustrating today!


3/6/2017

Learn how to measure expenses for your clientele
Check out this blog post by Charlie Gipple, SVP of Sales and Marketing at Partners Advantage to learn how to measure expenses for your clientele. http://ow.ly/z5jA309DO4l

3/2/2017

Changes to Illustrated Rates for IULs -North American | Life

read the online version

March 2, 2017

Illustrated Rates Changes
Effective March 31, 2017 we will be making changes to the maximum illustrated rates for North American's Indexed Universal Life product line. Caps and Participation Rates are not changing at this time. These are the maximum illustrated rates allowed.

Read more about this notification.

read the online version

 


3/1/2017

Check out five key reasons cited by consumers for not having life insurance.
Check out five key reasons cited by consumers for not having life insurance. The confusion and misperceptions around life insurance create a perfect opportunity for SPL to help fill the coverage gap. http://blog.partnersadvantage.com/2016/11/the-life-insurance-coverage-gap-how.html

2/28/2017

DOL Update
Office of Management and Budget (OMB) designates delay as “economically significant,” after meetings with DOL-fiduciary proponents. Read the full article here >> https://goo.gl/5xfKZC

2/27/2017

Why are first impressions so important?
Why are first impressions so important? Without a great first impression, anything that follows is usually clouded in the listeners’ mind by the “bias” they formed earlier. Check out Secrets to Effective Communication: http://ow.ly/ae62309oWSs

2/24/2017

Are you a financial professional that may have their businesses highly concentrated on FIAs? I
For financial professionals that may have their businesses highly concentrated on FIAs, I would propose a way to “smooth out” the volatility in your practice. Learn more here >> http://ow.ly/C1ZR309oUCe

2/23/2017

FGL Annuity Interest Rate Updates for March 2017
View this email as a web page here

2/22/2017

Behavioral Finance and the Two Lane Highway
The most important thing a financial professional can do is relate to the “art” and not the “science” of their profession. What are your thoughts about behavioral finance? http://ow.ly/i9j5309fLQp

2/22/2017

Consistent, Competitive Term Rates Hit the Mark! -Legal & General America

2/21/2017

Get the facts to simplify the story on LTC vs. Chronic Illness riders.
Get the facts to simplify the story on LTC vs. Chronic Illness riders. Join us on the Feb. 23 webcast - register here. http://ow.ly/b1vw309drMJ

2/17/2017

Sharpen your "axe” with the study of Behavioral Finance.
Sharpen your "axe” with the study of Behavioral Finance. http://ow.ly/s1pp3096O1Z

2/17/2017

Changes to the American Custom 10 -Great American Insurance Company

The following changes to the American Custom 10 will go into effect for all contracts issued on or after February 21, 2017:

  •  Additional purchase payments will be accepted during the first two contract months.
  • The non -MVA version of the product will be available for sale in Alaska. Thenon -MVA version replaces the MVA version that was previously available.
  • The new iShares U.S. Real Estate Indexed Strategy will be available with the American Custom 10. See the interest rate chart for more details.

2/15/2017

OneAmerica - Care Solutions Interest Rate Notice Effective 2/15/2017

Indexed Annuity Care will be the only product affected. In response to the current interest rate environment, new business interest rates for Indexed Annuity Care® will be decreasing effective Wednesday, Feb. 15, 2017.

 The new rates will be as follows:    

Indexed Annuity Care

Point-to-point Cap: 2.75%

Point-to-point Par: 20%

Monthly average Cap: 2.75 %

Monthly average Par: 28%

Fixed account: 1.25% (unchanged)  

Most Beneficial Rate: Indexed Annuity Care offers your clients the opportunity to receive the best declared interest (or cap, or par) rate available between the date their application is received in the Home Office, and the effective date of the contract, if fully funded within 60 days of application. This feature is intended as an easy-to-do-business provision to provide you and your clients the peace of mind to know that they can receive the best declared rates during the application process.

Note: All products may not be available in all states or may vary by state. Policies are issued by The State Life Insurance Company®, Indianapolis, Indiana.

CLICK HERE TO VIEW RATES


2/13/2017

Are your clients confusing facts with fiction on the subject of LTC?
Are your clients confusing facts with fiction on the subject of LTC? We have educational materials to help you break through the myths and set the record straight. Ask us about OneAmerica. Contact the Partners Advantage Brokerage Team at 888-251-5525, Ext. 700.

2/10/2017

Years of Testing and Proven Sales Results - Lead to...
Years of testing and proven sales results led to our proprietary PILLAR System which connects impressive training and client-ready materials into one system. http://ow.ly/yisE308SZYp

2/9/2017

Underwriting News You Can Use from FGL - Foreign Nationals

Underwriting News You Can Use - Foreign Nationals

Are you curious about the potential risks that may be associated with underwriting foreign nationals, and why they may undergo more scrutiny than US citizens?

Please click below to find out more or contact us with any questions at salesdesk@fglife.com.

READ MORE

2/8/2017

RIDERS: Simplifying the Story for Clients - LTC vs. Chronic Illness
RIDERS: Simplifying the Story for Clients -LTC vs. Chronic Illness: We will break down the similarities and important differences in these riders in our webcast on Feb. 23. Register here. http://ow.ly/w0kC308LO3n

2/7/2017

Smoothing Out the Volatility in Your Practice with Life Insurance
We at Partners Advantage specialize in - Education that Causes Sales. I encourage you to prepare for the future of our industry and continue to broaden your knowledge to truly serve your clients’ needs. http://ow.ly/FQRV308LMQe

2/6/2017

Generational Split Dollar
Senior Advanced Markets Consultant Bill Jackson, J.D., CLU shares the benefits of generational split dollar in addressing clients' estate planning needs. http://ow.ly/aGXo308JAaN


1/31/2017

North American |Annuity News
 
The North American News

 

California product approvals coming soon
We’re working quickly to make product changes and secure approvals in the state of California. The NAC BenefitSolutions® fixed index annuity series returned Jan. 17, and as we receive product availability on other products, we’ll let you know right away.

Required illustration system update effective tomorrow
Regulations require us to annually update our illustration system with actual index returns through Dec. 31 of the prior calendar year that are then used to determine recent, high and low scenarios. These updated numbers will be available on all products on our illustration system effective tomorrow, Feb. 1.

 
 

1/31/2017

Dividend Increase - Mutual Trust Life Insurance Company
To view this email as a web page, go here.
 

Reminder: Increased Dividend Payout for 2017

In November, we announced the great news that we are maintaining our dividend scale and increasing dividend payouts in 2017.

As a reminder, the 2017 dividend changes will be effective on participating in-force policies starting February 1, 2017, and are currently reflected on annual statements and in-force illustrations.

The latest version of Century II Illustration Software reflects 2017 dividends on all products.

For details, click here
 
To view this email as a web page, go here.
 

1/30/2017

Behavioral Finance
The most successful financial professionals have learned art of simplification, analogies, storytelling, and managing clients’ emotions so they make healthy financial decisions, and to help them through good times and bad. http://ow.ly/6wPC308uQCC

1/25/2017

Expand and Diversify with Life Insurance
Whether you have a vast life insurance “back office” or no back office at all for life insurance, we have the infrastructure that can help you build your life insurance business. Now is an important time to diversify. http://ow.ly/hcFP308co1l

1/24/2017

Seven Secrets to Effective Communication: Secret #2: Building Your Story-selling Muscles
Of the seven “secrets” I discussed in my September presentation at the MDRT® Top of the Table meeting and the associated white paper on this topic, I believe storytelling is the most important one. http://ow.ly/HJNy308cnWz

1/23/2017

Postpone the R in your RMDs and provide options for your clients
Postpone the R in your RMDs and provide options for your clients. http://ow.ly/331A308cnRL

1/19/2017

ChoiceFour Annuity – Annual-Reset at 2.5% Plus 1.5% Premium Bonus! -EquiTrust Life Insurance Company
To view as a web page click here.

This traditional fixed annuity offers your clients some highly competitive features!

First, what is it?
Single-premium tax-deferred annuity featuring an annual-reset interest rate.

What does it pay?
If the Liquidity Option (6 years) is selected, the current first-year rate is 2.50%.
 
To view as a web page click here.

1/19/2017

Do you have an underwriter with experience on your side?
Do you have an underwriter with experience on your side? Partners Advantage can help. Read the full article which first appeared in Broker World magazine's November 2016 issue, Dispelling Myths of the “Sweet Spot” in Underwriting. >> http://ow.ly/Ko3a3088oYr

1/18/2017

LibertyMark 7-Year Products Available Again in California -Legacy Marketing Group
If you are having difficulty viewing this e-mail, click here.

January 17, 2017

LibertyMarksm 7-Year Products Available Again in California

Great news: Starting immediately, the seven-year LibertyMark products—7, SE 7, 7 Plus, and SE 7 Plus—are once again available in California!

In response to new regulation in the state, LibertyMark 7, SE 7, 7 Plus, and SE 7 Plus will feature a lower surrender charge schedule in California—8.3, 8.2, 7.2, 6.2, 5.2, 4.2, 3.1, 0%—but the same consumer benefits and features as before, including rates. For example:

 

1/18/2017

Discover the Top 5 Benefits of Providing Online Life Applications.
Discover the Top 5 Benefits of Providing Online Life Applications. http://ow.ly/w0zD308390e

1/17/2017

Single Premium Life (SPL) Insurance can help
Only 59% of American adults that have either an individual plan or group plan. Learn more about the life insurance coverage gap and how Single Premium Life (SPL) Insurance can help.http://ow.ly/4dcj30838Xc

1/17/2017

Income annuities will DECREASE on Monday, January 23, 2017 -AIG
If you are having trouble reading this email, read the online version

American Pathway® Immediate Annuity and
American Pathway
® Deferred Income Annuity
rates will DECREASE Monday, January 23, 2017.

read the online version


1/16/2017

Behavioral Finance
Behavioral Finance is one of the most important topics a financial professional can use to “sharpen their axe” and help their client prepare for retirement. http://ow.ly/JqXT30838dz

1/13/2017

Fidelity & Guaranty Life: MLK Holiday Business Schedule
View this email as a web page here

FGL MLK Holiday Business Schedule

Fidelity & Guaranty Life’s offices will be closed on Monday, January 16, 2017 in observation of the Martin Luther King Jr. holiday.

The Lincoln Service Center will be open. The commission cycle will process as scheduled, however, EFT funds will be delayed accordingly due to the holiday. Saleslink will be updated and commission checks will be mailed on Tuesday, January 17, 2017. The Sales Support phone lines will be open and ready for business at 8:00am EST on Monday, January 16, 2017.

Please inform your downline agents of this holiday schedule. Contact us at salesdesk@fglife.com with any additional questions or click below to visit SalesLink.

Have a safe and happy holiday!

View this email as a web page here


1/13/2017

Voya Annuity and Asset Sales

1/11/2017

Behavioral Finance and the Two Lane Highway
The most important thing a financial professional can do is relate to the “art” and not the “science” of their profession. http://ow.ly/Klwm307Lc4Y

1/10/2017

The best ways to serve clients with their estate planning needs

1/9/2017

A person’s first impression impacts effective communication
A person’s first impression impacts effective communication. http://ow.ly/jOXc307LbXi

1/6/2017

Making lemonade with the DOL rule
Making lemonade with the DOL rule. Here's some food for thought by Charlie Gipple. http://ow.ly/PvJF307LbCu

1/4/2017

Partners Advantage Announces Move to Salesforce
Partners Advantage Announces Move to Salesforce. http://ow.ly/ZhdS307GFL5

12/30/2016

Reminder: Partners Advantage offices are closed Monday, January 2, 2017
Reminder: Partners Advantage offices are closed Monday, January 2, 2017 and returning to normal business hours January 3, 2017

12/29/2016

The PILLAR System
The PILLAR System material covers the spectrum from simple to complex. Learn more >> http://ow.ly/5TKb307wTZH

12/23/2016

Partners Advantage Holiday Schedule

All of us at Partners Advantage would like to wish you and your family a fun and safe holiday season and a very happy new year!

Our offices will be closed on:
Friday, December 23
Monday, December 26
Monday, January 2


12/20/2016

[IMPORTANT] North American Charter Plus 10 no longer available in CA -North American|Annuity
 
North American Charter® Plus 10 no longer available for sale in CA
 

12/20/2016

Looking for capital, staff training, technology platforms and innovative strategies to help grow your business?
Looking for capital, staff training, technology platforms and innovative strategies to help grow your business and attract more quality financial professionals to your BGA/IMO? Let's Talk.http://ow.ly/p2Z9307iYBz

12/20/2016

Rate Increase effective January 5, 2017 -North American|Annuity

12/19/2016

REMINDER: FGL Product Changes for CA and NJ -Fidelity & Guaranty Life
 
We are making product changes to our product portfolio in both New Jersey and California. FIND OUT MORE
 
 

12/19/2016

Upcoming Holiday Office Closures - North American Annuity Service Center

Upcoming Holiday Office Closures
As we wrap up the year, we want to keep you informed of our holiday schedule to ensure you have the access you need for your North American Company for Life and Health Insurance fixed annuity business.

Holiday Break:

Closed December 23 and 26, 2016

New Year's Break:

Closed January 2, 2017

 

 

view carrier communication here


12/15/2016

Partners Advantage special holiday video and schedule here
Wishing you a merry & bright holiday season.
View a special holiday video and schedule here >>
http://ow.ly/4fPz307akmK

12/15/2016

Annuity Rates Are Changing Effective Monday, December 19, 2016. View new rates today. -AIG

12/15/2016

Boomer Annuity Discontinuation in CA -North American|Annuity

The Boomer Annuity® traditional fixed annuity will be discontinued in California effective 12-30-16:

View carrier communication here


12/9/2016

Proper Ways to Approach and Illustrate IUL for Retirement Income
Don't Enter through the Exit - Proper Ways to Approach and Illustrate IUL for Retirement Income. http://ow.ly/GwfO306SFZW

12/8/2016

Dates to Remember to Finish Strong in 2016! -North American|Life

With the year-end quickly approaching, now is the time to focus on getting your pending cases paid and delivered to help finish strong in 2016.

For New Business processing:
December 22: All delivery requirements received in the Sioux Falls office by 11am CST will be processed for commission cut-off.

December 29: All delivery requirements received in the Sioux Falls office by 11am CST will be processed for Year End Commission cut-off.

For Policy Change processing:

December 21: All delivery requirements received in the Sioux Falls office by 11am CST will be processed for commission cut-off.

December 28: All delivery requirements received in the Sioux Falls office by 11am CST will be processed for Year End Commission cut-off.

Visit your pending business to review the status of your pending business for year-end.
 

12/7/2016

Holiday Closing Schedule- Legal & General America
 

We'll be home for the holidays,
but then back to work to put the perfect finish on 2016
and give 2017 a great start.

Legal & General America will be closed on Monday, December 26 and Monday, January 2. 
 

12/7/2016

[Updated Materials] Updated products in CA 12-13-16 -North American|Annuity

We are pleased to announce the updated versions of the North American Charter® Plus and
Performance Choice® fixed index annuities have been approved in CA.

View carrier communication

 
 

12/6/2016

Only 36% of U.S. adults have individual life insurance policies
Only 36% of U.S. adults have individual life insurance policies. We see a coverage gap and solutions to help clients - especially for annuity professionals. http://ow.ly/kmS9306RDRZ

12/5/2016

Benefit Access Rider now offers more choice on more products -Prudential
 

What’s New? 
Effective January 3, 2017, there’s added flexibility with two monthly benefit options—2% and now 4%. You can already find this enhanced feature on PruLife Universal Protector®and as of January 3rd, it will be available on four additional products:

  • Prulife® Founders Plus UL
  • Prulife® Index Advantage UL
  • Prulife® Custom Premier II
  • VUL® Protector

12/1/2016

Rate update featuring Wealth Builder Plus at 4% -Voya Financial
 

Effective December 7, 2016,

Transition Rules: At issue, contracts will receive the higher of the rates in effect when the funds are received OR a held rate (applicable to transfer money and within the 30 day rate hold).  Any transfer money received outside of a rate hold period will receive rates in effect at the time the money is received
 

11/29/2016

Sources of Creative Destruction in today’s annuity world.
Who will be the winners or losers? http://ow.ly/ikeJ306DiyA

11/29/2016

Want peace of mind that your retirement savings is secure and future care costs are protected?

11/28/2016

Have you talked with your clients about how they can protect their future the way they protect their assets?

11/22/2016

Change before you have to. Bridging the gap between annuities and life insurance

11/21/2016

It is not what you say; it is how you say it. Learn seven secrets to effective communication.

11/21/2016

Holiday Office Hours -North American Annuity Service Center
 

Upcoming Holiday Office Closures
As we wrap up the year, we want to keep you informed of our holiday schedule to ensure you have the access you need for your North American Company for Life and Health Insurance fixed annuity business.

Thanksgiving Break:

Closing at 3:00pm CST November 23, 2016

 

Closed November 24 and 25, 2016

Holiday Break:

Closed December 23 and 26, 2016

New Year's Break:

Closed January 2, 2017



11/18/2016

Choosing the Trustee of an ILIT
The ILIT is a mainstay in the life insurance industry but selecting a trustee has become more challenging. http://ow.ly/g7SE306jGiR

11/18/2016

Annuity Rates Are Changing Effective Monday, November 21, 2016. View new rates today -AIG

Annuity rates are changing...

Click to view new rates

11/17/2016

3.1%- 5 yr. The Interest Rate Special from Fidelity & Guaranty Life is Around the Corner
View this email as a web page here

The Interest Rate Special is Around the Corner!

The 3.10% Interest Rate Special on FG Guarantee-Platinum® 5 Starts on November 28, 2016

For a limited time, Fidelity & Guaranty Life’s FG Guarantee-Platinum single premium fixed deferred annuity with a five-year guarantee period will increase to 3.10%* – initial guarantee period. 

VIEW CARRIER COMMUNICATION HERE


11/17/2016

Holiday Office Closure -Transamerica Life Insurance Company

OPERATIONS

Holiday Office Closure
In observance of upcoming holidays, the Transamerica administrative offices will be closed on:

Thursday, November 24

After 2 p.m. on Friday, November 25

After 4:30 p.m. on Friday, December 9

Monday, December 26

Regular phone and email coverage will resume as usual on the following business day. During these closures, TransACT and MyTransmerica will be available to obtain policy information.


11/16/2016

Important message from Voya Financial

November 15, 2016 

To achieve our vision to be America’s Retirement Company, Voya must continually evolve our strategy in response to changing, and often challenging, market conditions. The insurance industry continues to face strong headwinds, including historically low interest rates, heightened market volatility and regulatory changes.

In response to these conditions and as part of our evolution as a company there will be a number of changes to our product offering.

Product changes

Effective December 30, 2016, Voya will suspend Voya Indexed Universal Life-Guaranteed Death Benefit (IUL-GDB) and all level-term insurance sales while continuing to offer cash value life insurance products.  Suspended products include:

Product name Issuing company*
Policy form number

 
 

11/16/2016

There are several factors that are currently in place to create what I call “The Perfect Storm” for...
What if there was a product where your clients could receive interest on a tax-deferred basis that could possibly be superior to what they are getting with their “lazy money”?http://ow.ly/j6xt306esd4

11/16/2016

Interest Rate Increases -Great American Insurance Group
 
Interest Rate Increases
 
We are pleased to announce the following rate increases for your fixed and fixed-indexed annuity sales! 
 

11/15/2016

Webcast: Long-Term Care Riders vs. Chronic Illness Riders- Simply Explained
Join our webcast with Charlie Gipple and Dan Tucker on Nov. 30. Register here. http://ow.ly/Pgfy306c9u6

11/14/2016

Become a resource for a CPA, just as you expect them to be your resource
Become a resource for a CPA, just as you expect them to be your resource. Use it to help both of you grow. http://ow.ly/Ylnx3069zty

11/10/2016

Important Notice: Discontinuance of Individual LTC Insurance Sales -John Hancock

To our LTC Distribution Partners and Producers:

 

After a recent analysis of the macro-economic trends facing the long-term care (LTC) insurance industry, we have made the difficult decision to discontinue sales of our individual LTC insurance policies in all states.  As many of you well know, the distribution landscape for LTC insurance has shrunk significantly since the peak of the industry in 2002.  Today, there are far fewer outlets through which individual LTC insurance is sold, impacting the growth potential of the product.  In addition, consumer demand for individual LTC insurance has fallen and remains stagnant. These trends, combined with the significant capital requirements of the LTC insurance business, are the primary reasons for this decision, which was not taken lightly.

Please refer to the following schedule of important dates relating to the wind-down of current cases.   
 

IMPORTANT DATES:

  • December 2nd, 2016 – last day to submit 'in good order' applications.
    (11:59 ET for applications submitted electronically and/or must be received by December 2nd if mailed).
    Please note LTC Quick Quotes will be discontinued effective immediately.
  • December 16th, 2016 – last day to complete paramedical exams.
  • February 10th, 2017 – all policies must be issued and paid for.

11/9/2016

The perfect storm has arrived for single premium life insurance.
The perfect storm has arrived for single premium life insurance. If you currently sell annuities, this product line could provide a smooth transition into the life insurance world. http://ow.ly/XCyD3060Vti

11/8/2016

Product and Form Changes in California -Athene Annuity and Life Company

Product and Form Changes in California

California (CA) recently passed state regulation resulting in the following Athene product changes in CA. Form changes and transition guidelines are listed below.

Click here to view product changes


11/7/2016

Turnkey resources, videos and more to help you discuss LTC protections with your clients.

11/7/2016

What are the proper ways to approach and illustrate IUL for retirement income?
Don't enter through the exit. What are the proper ways to approach and illustrate IUL for retirement income? http://ow.ly/QfrX305YlFo

11/4/2016

How creative destruction is shaping annuity trends

11/2/2016

Lifetime Income Product Update -Voya Financial

 

Created by the Voya® family of companies. View in web browser

 

Lifetime Income Product Update

Effective November 7, 2016 the Maximum Annual Withdrawal (MAW) percentage rates will decrease by 75 basis points on the Voya Lifetime Income product. Please see below for transition rules.

Transition Rules:
All contracts issued on or after November 7, 2016 will receive the new Maximum Annual Withdrawal (MAW) percentage rate.
 

11/2/2016

Experiencing a delay in incoming messages with our email server
We are experiencing a delay in incoming messages with our email server.  We apologize for any delays this may cause. We will respond to all messages as soon as possible.  For immediate service please feel free to call 888-251-5525, ext. 700.
 

11/1/2016

American Equity -Important DOL Teleconference Today at 10:30am CST

DATE:

November 1, 2016

TO:

American Equity NMOs

FROM:

Jessica Kilker, Vice President – Marketing Services

RE:

Teleconference Today at 10:30 a.m. CST


Dial In for an Important Teleconference Regarding
Department of Labor Fiduciary Rule

American Equity has scheduled an important teleconference regarding the Department of Labor Fiduciary Rule. We apologize this was not sent to you in advance. Please call
1-877-410-5657 using passcode “American” today at 10:30 a.m. CST.

CLICK HERE for Further Information

 


10/31/2016

Important California Product Changes, Effective 1/1/17 -EquiTrust Life Insurance Company
 

California Product Changes
Effective January 1, 2017


California passed a legislative bill (Assembly Bill 2884) that places certain restrictions on fixed annuity surrender charges – resulting in some products being withdrawn from sale in California, and others offered with lower surrender charges.

 Products Withdrawn in California effective 1/1/17:
• MarketPower Bonus Index – Withdrawn
• MarketTwelve Bonus Index – Withdrawn
• MarketBooster Index – Withdrawn

1035 Exchange or Transfer Applications for these products will not be accepted after 12/1/16. All money must be received at EquiTrust by 12/30/16. See Transition Rules for further details.

Cash-with-applications accepted through Friday, 12/30/16.


Good News! Despite the new restriction, several products will be available beginning 1/1/17 with reduced surrender charges! Plus, commissions are unchanged for products offered after 1/1/17!

Products Available For Sale in California Beginning 1/1/17

DynaMARC Index® Annuity
• Lower surrender charges (variation):
  (10-Years) 9, 8, 7, 6.5, 5.5, 4.5, 3.5, 2.5, 1.5, 0.5%

MarketTen Bonus Index® Annuity
• Lower surrender charges (variation):
  (10-Years) 9, 8, 7, 6.5, 5.5, 4.5, 3.5, 2.5, 1.5, 0.5%

MarketValue Index® Annuity
• Lower surrender charges (variation):
  (10-Years) 9, 8, 7, 6.5, 5.5, 4.5, 3.5, 2.5, 1.5, 0.5%

Certainty Select® Annuity (MYGA)
• Lower surrender charges (variation) – the surrender charge period
  matches the guarantee period:
  9, 8, 7, 6.5, 5.5, 4.5, 3.5, 2.5, 1.5, 0.5%

ChoiceFour® Annuity (Traditional Fixed)
• Lower surrender charges (variation):
  (6-Years) 9, 8, 7, 6.5, 5.5, 4.5%
  (9-Years) 9, 8, 7, 6.5, 5.5, 4.5, 3.5, 2.5, 1.5%

Confidence Income Annuity® (SPIA) is unchanged and will continue to be available for sale in California.

Revised Disclosure Statements
New California-specific disclosures (dated 1-17) will be required beginning 1/1/17, and available on AppBuilder in late December, prior to the January 1 requirement. More information will be provided prior to the January 1 effective date.

Transition Rules: Click Here

Questions? Send an email to EquiTrust Sales Support,
call 866-598-3694, or visit our website at Agents.EquiTrust.com

 

 

 

 
To view as a web page click here.

Products issued on Contract Form Series ET-MTA-2000(06-07), ET-MTB-2000(06-07), ET-EIA-2000(02-05), ET-MYG-2000(06-09), ET-SPA-2000(11-04), and ET-SPIA(08-06). EquiTrust Life Insurance Company, West Des Moines, IA. For Producer Use Only. IC16-ECN-1080


10/28/2016

Home Office Closing Early on October 31, 2016-Mutual Trust Life Insurance Company

Home Office Closing Early on October 31, 2016

So that employees can celebrate the one year anniversary of Mutual Trust's merger with Pan-American Life, our office will close at 3:00 p.m. CST on Monday, October 31. 

To ensure that your final requirements are processed before our early closing, please make sure to have them to us by 10:00 a.m. CST on Monday, October 31.

10/27/2016

Proper Ways to Approach and Illustrate IUL for Retirement Income

10/26/2016

Expand and diversify your business by adding life insurance
What does your wholesale business look like? Have you expanded and diversified? Consider adding life insurance as one of your product options. http://ow.ly/csRc305yr4W

10/25/2016

Learn the duties of an ILIT trustee while the policy is in force.

10/24/2016

It's time to dare to compare income withdrawal riders on Fixed Index Annuities
It's time to dare to compare income withdrawal riders on Fixed Index Annuities. We'll show you a simple, easy to use calculator that provides quick results. http://ow.ly/vJWh305tx3K

 


10/21/2016

2016 Year-End Closing Dates -Legal & General America

10/21/2016

Procedure Update for Duplicate Life Insurance Policy Contract Requests -Transamerica Life Insurance Company

To view this email as a web page, click here

Procedure Update for Duplicate Life Insurance Policy Contract Requests
The purpose of the bulletin is to communicate to all general agents and producers selling across all business alignments of a modification in Transamerica’s procedure.

Please visit the original communication here

10/20/2016

TransWeekly - October 20, 2016

Contract and Licensing

New Agent Contracting Updates
There are a number of updates that apply to all new agent contracts submitted on and after October 17, 2016.

SEE FULL DETAILS >

 

Business Forms

Here is the most recent Transamerica Forms Update document, which can also be found on the TransACT home page, under the Now Available section.


10/12/2016

Social Media Marketing with North American and Gainfully
Social Sales for Agents with North American

FOR AGENT USE ONLY. NOT TO BE USED FOR CONSUMER SOLICITATION PURPOSES.
24770Z-HTML PRT 10-16


10/12/2016

Expand and diversify your business by adding life insurance

10/10/2016

Learn why and how you should bridge the gap from annuities to life insurance.
This white paper provides case examples, addresses costs and how you can find success in explaining these products to clients. http://ow.ly/wFIJ30524GB

10/7/2016

How can you get past the gatekeeper and meet with the CPA to develop a mutually beneficial working relationship?

10/5/2016

Athene Annuity and Life Company -Non-resident sales update

View communication online

Non-resident sales update

All Athene Annuity and Life Company (Athene IA) agents must understand the rules and regulations pertaining to non-resident sales. A non-resident sale (sometimes referred to as a 'cross-border sale') occurs when a resident of one state purchases an annuity contract in another state or jurisdiction.

Arkansas, Massachusetts, Minnesota, Mississippi and Utah

It is our interpretation that insurance regulations of AR, MA, MN, MS and UT do not permit sales of insurance products to residents outside their state of residence, regardless of the circumstances or the connection to the non-resident state.

Read more.

10/5/2016

Great 8 Boot Camp is coming to Southern California
Great 8 Boot Camp is coming to Riverside, Glendale, and Carson, California in November. Sign up here. http://ow.ly/743w304SLpO

10/4/2016

Register to attend! How to Grow your Business in a New Direction with Retirement Plans
Do you know about the overlooked strategy which can enable you to hit a tax planning home run for select small business owners and help you grow your business in a new direction with retirement plans? Join our online presentation with Partners Advantage Senior Advanced Markets Consultant Bill Jackson, J.D., CLU, on Oct. 6 to learn more. Register here. http://ow.ly/6l3R304QvFK

10/3/2016

Webcast: Women, Money and Power: Creating Action Out of Information
Women, Money and Power: Creating Action Out of Information. Join Partners Advantage for this Oct. 5 webcast designed to provide financial professionals with actionable ideas to create customized marketing and events to grow your practice in the women's market. Register here. http://ow.ly/bLz3304NIlT

9/30/2016

OneAmerica News from Care Solutions
To view this email as a web page, go here.
  • Exciting Licensing Updates
  • Monthly Sales Idea
  • Updates and Reminders

9/30/2016

Learn about “The Big Three” of expenses in IULs

9/29/2016

North American Company for Life and Health Insurance Rate Changes:

9/28/2016

How we will meet the needs within our industry with the upcoming DOL rule

9/27/2016

Importance of partnering with CPAs to cultivate new clients

9/26/2016

Charlie Gipple has been showing financial professionals across the country why IUL policies aren't expensive if they're designed correctly
Charlie Gipple has been showing financial professionals across the country why IUL policies aren't expensive if they're designed correctly. He can also help show you how to explain it to your clients in a way they will understand. Webinar Sept. 27 - register here. http://ow.ly/kXY0304zqK3 

9/23/2016

Join the Annuity Advantage Connection on October 6
Join the Annuity Advantage Connection on October 6 - learn how to grow your business in a new direction with retirement plans >> http://ow.ly/YEB9304v4PB

9/21/2016

Massachusetts and Alabama: Annuity Training Required -OneAmerica
To view this email as a web page, go here.
 

Beginning October 1, 2016 (Massachusetts) and January 1, 2017 (Alabama), an insurance producer may not solicit the sale of an individual annuity product in either state until he/she has completed insurer-provided product-specific training. An insurance producer must also complete a one-time four (4) hour annuity training course provided by a continuing education provider approved by the state. 

Read original communication here


9/19/2016

Do you know the “New Language of Permanent Life Insurance”?
Research reveals a better way to engage with consumers so they won’t “turn off” when life insurance is discussed. Do you know the “New Language of Permanent Life Insurance” http://ow.ly/RhUP304lDdz

9/16/2016

Partners Advantage’s Charlie Gipple discusses IUL: Cost is an Issue Only in the Absence of Value. Webinar Sept. 27
Register Here >> http://ow.ly/mmps304hmL6

9/14/2016

Partners Advantage kicked off the Southeast Great 8 boot camps yesterday in Atlanta, Georgia
Partners Advantage kicked off the Southeast Great 8 boot camps yesterday in Atlanta, Georgia. Today, we are in Charlotte, North Carolina and we are ending the boot camp tomorrow in Orlando, Florida. With over 130 financial professionals registered to attend the events, this high-impact and interactive training is well worth your time! You'll walk away being able to apply strategies to help your grow your business. Call Partners Advantage at 888-251-5525, ext. 700 to learn how we can help make growing your business easy.

9/13/2016

Learn six steps for the best way to partner with a CPA and increase business for both parties

9/9/2016

Discover different succession options for the business owner

9/8/2016

Join Partners Advantage and Charlie Gipple for...
Join Partners Advantage and Charlie Gipple for a complimentary webinar on Tuesday, September 27 at 2pm EDT to discover how to design cost effective IUL policies. http://ow.ly/tmte303ZYdR

9/7/2016

Are you putting in the work to discover success?

8/31/2016

Important Carrier Product Changes
Important Carrier Product Changes 
 
For questions or concerns please contact your
Partners Advantage Brokerage Director Teams at
888-251-5525, ext. 700
 

8/30/2016

Do you have potential clients who are looking to protect their retirement from LTC risks with a continuous-pay option that provides valuable guarantees?

8/29/2016

NEW marketing materials for Life Insurance Awareness Month -Legal & General America

September is Life Insurance Awareness Month. Be prepared with a new consumer-approved video, marketing materials and FREE resources from Life Happens. Courtesy of Legal and General.

Access NEW Marketing Material


8/26/2016

Dropping rates, commission changes, economic and regulatory issues.

Dropping rates, commission changes, economic and regulatory issues. There is big changes taking place in our industry right now. You need to know the what, why and how it impacts you and your clients! Join Partners Advantage and Charlie Gipple, SVP of Sales and Marketing at 11 AM PDT/2 PM EDT as he provides a very important 30 minute update. Don't miss this! Find out what opportunities you need to seize now. Register here>> http://ow.ly/fI9k303Cnyp


8/24/2016

Strengthen your client relationships by your knowledge on all available retirement income options.
Strengthen your client relationships by your knowledge on all available retirement income options.

8/24/2016

Day two of the Midwest boot camps is hosted in Des Moines, IA
Day two of the Midwest boot camps is hosted in Des Moines, IA. Financial professional are investing their time to learn about concepts that they can immediately implement to their practice. Have you registered for our upcoming boot camps in the Southeast? Call us to learn more at 888-251-5525, ext. 700!


8/23/2016

Strengthen your client relationships by your knowledge on all available retirement income options
Strengthen your client relationships by your knowledge on all available retirement income options.
http://ow.ly/p0l6303vsTc

8/23/2016

Midwest Great 8 boot camps kick-off today in Omaha, NE
Midwest Great 8 boot camps kick-off today in Omaha, NE. Financial professionals are ready to learn and gain knowledge on concepts that will help better serve their clients and fuel their sales.  Do you want to attend a Great 8 Boot Camp? Give us a call at 888-251-5525, ext. 700 and we'll provide you with a promo code to waive the tuition fee.

8/22/2016

Learn more about a modified buyout plan that can work well for the business owner.
 
Learn more about a modified buyout plan that can work well for the business owner. http://ow.ly/GWR7303tiPz

8/19/2016

Provide more retirement income options for your clients
Provide more retirement income options for your clients. http://ow.ly/GOEy303oYSw

8/16/2016

What is your view on where we stand on annuity awareness in our country?
What is your view on where we stand on annuity awareness in our country? http://ow.ly/iKwp303ghcS

8/12/2016

Today Partners Advantage closes at 1:30 PM PDT for its annual summer employee event

Today Partners Advantage closes at 1:30 PM PDT for its annual summer employee event. We will resume to normal business ours on Monday, August 15 at 7 AM CDT.


8/10/2016

Have you seen the Dare to Compare online calculator from Allianz Life Insurance of North America?
Have you seen the Dare to Compare online calculator from Allianz Life Insurance of North America? http://ow.ly/n2bt3036IDp

8/9/2016

Partners Advantage’s Charlie Gipple insights on IUL: Cost Is An Issue Only In The Absence Of Value
Partners Advantage’s Charlie Gipple insights on IUL: Cost Is An Issue Only In The Absence Of Value. Webinar August 30. Register Here. http://ow.ly/4QEt3034MZw

8/8/2016

Athene New Business Processing Updates as of 8/8/2016

Dedicated to supporting your success.

We're clearing our backlog and are focused on resuming normal processing as quickly as possible. There’s still more to do, but we’re working around the clock in order to accommodate the recent influx of business.

We're making great strides!

  • We've doubled our New Business staff over the last few months.
  • We continue to work nights and weekends to get your business processed.
  • We've temporarily extended rate holds while we work to clear our backlog.
  • We continue to review processing priorities and shift staff accordingly.
We're positioned to accommodate continued sales growth going forward.
 
 

8/5/2016

Athene's New Business Processing Updates
Athene's New Business Processing Updates

8/5/2016

Webcast: Whole Life and the Single Premium Solution with Mark Creighton of Mutual Trust Life
Webcast: Whole Life and the Single Premium Solution with Mark Creighton of Mutual Trust Life. Register Here. http://ow.ly/t6vR302XDXS

8/3/2016

iPipeline is having issue with drop ticket
iPipeline is having issue with drop ticket.  We will notify when it is up and running.

8/1/2016

Great 8 Boot Camp Visits the Midwest
Great 8 Boot Camp Visits the Midwest – Omaha, Des Moines, Chicago, and Minneapolis. Plus CE! Sign up here. http://goo.gl/PuVQdn

7/29/2016

Important Information Regarding State Replacement Forms-AIG
If you are having trouble reading this email, read the online version.

American General Life Insurance Company will complete the phased rollout of new replacement forms for various states that will be needed for submitting new business for our index annuities in those states. Phase II and III will go into effect starting July 18, 2016, and is detailed below.

Impacted Index Annuities

  • Power 7 Protector®
  • Power 7 Protector Plus Income®
  • Power 10 Protector®
  • Power 10 Protector Plus Income®

7/29/2016

Are you located in Southern California?

Join us on a live training opportunity August 11-12 in Irvine, CA!

August 11-12: Gain advanced concepts to help address client's income and tax challenges in retirement.

>> View event flyer HERE 

>> Show your interest by filling out this form    

 

7/28/2016

Omaha, Des Moines, Chicago, and Minneapolis are the next stops for the Great 8 Boot Camps
Contact your brokerage director to register for a Great 8 Boot Camp. Learn more here.

7/28/2016

TransWeekly - Operation News

 ______

Inforce Business

Service Level Update
Due to a recent influx of inforce illustration requests, the team has temporarily increased service levels to 10-15 business days to handle the increased volume. Please wait at least 10 business days before following up with a status request. The team is working hard to bring the response times back to the normal level of 7-10 business days; your patience is appreciated.

________

Business Forms

Here is the most recent Transamerica Forms Update document, which can also be found on the TransACT home page, under the Now Available section.

7/22/2016

2 Exciting Wealth-Transfer Life Products from EquiTrust Life Insurance Company.
2 Exciting Wealth-Transfer Life Products from EquiTrust Life Insurance Company. http://ow.ly/pBzb302aOYA

7/13/2016

2 Simple Questions Can Lead to New Sales
Learn more in this July 19 webcast with OneAmerica. Register Here.

7/8/2016

[UPDATED RATES] Rate & Rider Changes Effective July 19-North American|Annuity

7/6/2016

Great 8 Boot Camp in CA, the Midwest and East Coast
Great 8 Boot Camp in CA, the Midwest and East Coast. Learn more here.http://ow.ly/TvvN301YTEz

7/5/2016

Social Media Contest winner for week of 6/27
Thank you to all financial professionals within our distribution network who participated in our social media contest by connecting with us, like and sharing content. Congratulations to our final winner, Traci Roncal! Learn more about Partners Advantage and how we can help growing your business easier.
 

6/30/2016

Partners Advantage will be closed on Monday, July 4th.
Wishing you all a Happy Fourth of July! Partners Advantage will be closed on Monday, July 4th.
 
Normal business hours will resume Tuesday, July 5th at 7 AM CST

6/28/2016

[RATE CHANGE] MYGA Rates Decrease July 6 - North American Annuity

North American Guarantee Choice Products
Annuity Rates are decreasing

Contact your Partners Advantage Brokerage Team at 888-251-5525, Ext. 700 for more information

CLICK HERE FOR DETAILS


6/22/2016

How you can help businesses succeed in the "New Normal"

6/21/2016

Tomorrow: Learn about resources that can help you grow your business in the lucrative business market
Learn how our carrier partners can help you add value to the services you provide to clients and prospects who own a business. Every business owner needs to know what their business is worth. This is the lynch pin for any future sale of the business and all succession planning. Tune in,take a sip of your favorite brew and learn about resources that can help you grow your business in the lucrative business market. Join us tomorrow 6/22 at 8:30 AM PDT/11:30 AM EDT http://ow.ly/dStW301uYcy 

6/17/2016

Social Media Contest!-Chance to win $25 Starbucks gift card until the end of June
Have you checked this out? Throughout the remainder of June we will be picking 1 financial professional each week who joined us, liked or shared content who will receive a $25 Starbucks Gift Card. http://conta.cc/1taUME9 

6/15/2016

Thought Leadership Spotlight in the June Retirement Advisor
Thought Leadership Spotlight in the June Retirement Advisor features Charlie Gipple's insights on why “Experts” hate annuities — clients disagree. View it here. http://ow.ly/2lqz301i0RA 

6/14/2016

Join us tomorrow for Allianz Life Pro+ NEW enhancements webcast
Join our webinar on June 15 for the unveiling of the new product features of Allianz Life Pro+ NEW enhancements. For 2016, Allianz Life Pro+ adds more 
flexibility and options to help your clients get where they need to be - not just today, but through all stages of life.
 
 
The next generation of Allianz Life Pro+® Fixed Index Universal Life Insurance Policy is coming and is loaded with new features. It'll be a powerful vehicle for driving new business

6/13/2016

MYGA special ending 06/22/16- Fidelity & Guaranty Life

Due to the current interest rate environment, we will be ending the MYGA special on 6/22/16. Stay tuned for more formal communication including transition rules, etc.


6/8/2016

Today we celebrate 23 years of protecting and securing american families!!
Partners Advantage is celebrating 23 years in business today!!! Thank you to the financial professionals and agencies in our distribution network throughout the country. We appreciate your continued business. http://ow.ly/XxvH3013KUg

6/6/2016

The MYGA 3.15% Interest Rate Special is Back! -Fidelity & Guaranty Life

Welcome to the FG Guarantee-Platinum 5 e-Application Wiki

We want to process your business quickly. Submitting applications electronically using our SalesLink Online e-Application will help to speed this process along!
 

6/3/2016

OneAmerica Care Solutions: Sales Connection limited availability this weekend, June 3 - 5
To view this email as a web page, go here.
 
Sales Connection limited availability this weekend, June 3 - 5
 
Learn more HERE

5/26/2016

Offices Closed Monday May 30 for Memorial Day
Our offices will be closed on Monday, May 30 in observance of Memorial Day. Best wishes to you and your family for a safe and happy holiday weekend!

5/25/2016

Webinar May 26: Learn about Allianz Life Pro+ NEW Enhancements
A Power Vehicle for Driving New Business - Learn more and REGISTER HERE.

5/20/2016

Higher Underwriting Limits from Protective Life

Enhanced Underwriting Limits

View this email as a web page.

Protective Life is happy to announce increases to certain underwriting limits which could make it easier to place your larger cases with us.

Retention limit increases from $2 million to $5 million for most ages and policies

First-year premium increases from $1 million to $2 million for all policies

Autobind limit increases from $40 million to $50 million for most ages and policies

Jumbo limit increases from $50 million to $65 million for most ages and policies

 
 

5/18/2016

New FIA with income potential - Voya Financial
If you are on a mobile device or are having trouble viewing this email, click here.
 
Point your clients in the right direction for their journey to retirement readiness
 

Introducing the Voya Quest Family of Index Annuities

With the Voya Quest Family of Index Annuities and the optional myIncome Withdrawal Benefit, you can offer your clients:

  • A secure income for life
  • A base guaranteed to grow 6.5 percent annually for up to 10 years
  • The security of principal protection

5/3/2016

Earn Up to $600 with Your First 3 EquiTrust Cases

Put the 'Cha-Ching' in Spring! It's the Right Time to Get Acquainted with EquiTrust and Partners Advantage! Earn up to $600 with Your First 3 EquiTrust Cases with Partners Advantage. Includes WealthMax Bonus Single Premium Indexed Life! LEARN MORE HERE.

 

4/26/2016

Product Update - Index Universal Life-Transamerica Life Insurance Company
To view this email as a web page, go here.
 

Adjustments to Caps and Maximum Illustrated Rates

Effective May 2, 2016, Transamerica will adjust the cap rates and maximum illustrated rates for new business and inforce index universal life products, including TransNavigator® Index Universal Life. There are several economic factors, including the continued low interest rate environment, that make this necessary.

We understand this kind of change may pose challenges for you and our customers, but it's essential that we remain focused on our ability to meet our long-term commitments to policy holders.

Important to note:

  • The maximum illustrated rates will be reflected for new sales, as well as inforce illustrations. We recommend using the new maximum illustrated rate immediately to ensure that policies issued after May 2 will reflect the same rate as was illustrated.
  • The caps and rates for the TFLIC Freedom Index Universal Life IISM and TFLIC Freedom Global IUL IISM policies are still available in New York and will not be affected by the cap rate change.
The inforce Freedom Index Universal Life IISM and Freedom Global IUL IISM policies that are no longer sold, in all other states besides New York, will not be affected by the cap rate change. 
 
 

AF1476248-0416 Cap Change
For Agent Use Only. Not For Distribution To The Public.

 

4/25/2016

Take the Participating Income Challenge-North American|Annuity
 
Discovwe Top-Tier Participating Lifetime Income1

NAC IncomeChoice®
Fixed Index Annuity
- Our Highest Lifetime Payment Amount Potential
- No Additional Rider Fee2

NAC BenefitSolutionsSM Series
Fixed Index Annuities
- Enhanced Death Benefit Feature3
- Competitive Early Income

 
 
FOR AGENT USE ONLY. NOT TO BE USED FOR CONSUMER SOLICITATION PURPOSES.

4/18/2016

Old Applications Not Accepted after April 29 -North American|Annuity

If you haven't been using the new applications, please download the new forms by clicking the links below.

IMPORTANT: Old applications will not be accepted after April 29, 2016.

Download your applications today!

Click here to read original communication.


4/13/2016

Annuity New Business Service Update-North American|Annuity

Record sales activity is great, and we truly appreciate your business. However, this has caused high phone activity and long hold times. We understand this can be frustrating and want you to know we’re doing all that we can to process your business as efficiently and accurately as possible (including hiring additional staff).  

In addition, here are two things that can help make things easier for you:

Use Annuity e-App

  • Convenient, and helps eliminate common not-in-good-order issues.
  • Shortens processing time by an average of 7 days. Get paid faster!
  • Click here to view a step-by-step guide, Q&A, and all things Annuity e-App.

 


4/8/2016

Is 25-Year Term Right for Your Client? Legal & General America

IS 25-YEAR TERM RIGHT FOR YOUR CLIENT?

Click here to download and personalize this consumer-approved flyer. 
 

3/22/2016

Insurance Marketing Organizations Thrive with Business Growth Services
Riverside, CA March 22, 2016 – As a result of the continued success of services offered to agencies and marketing organizations, Partners Advantage Insurance Services announced the addition of its enhanced "Business Growth Services" which will be made available throughout its Platinum and Premier divisions. http://insurancenewsnet.com/press-releases/909766

3/14/2016

Update: Rider Changes Effective March 21-Great American Insurance Group

Please remember, the following changes are effective March 21, 2016:

  • IncomeSecure - income rider 
    • The rollup credit is changing to 7%
  • Inheritance Enhancer - death benefit rider 
    • The rollup credit is changing to 7%
  • IncomeSustainer Plus - income and death benefit rider 
    • The rollup credit is changing to 6%
  • Simple Income Option - income rider available with American Custom 10
    • The rollup credit is changing to 7%
CLICK HERE TO VIEW IN BROWSER

2/29/2016

Nationwide YourLife Variable UL: Long-term Fixed Account rate and illustration changes
 
Nationwide YourLife® UL: Long-term Fixed Account rate and illustration changes
 
We carefully monitor our Variable UL long-term fixed accounts (LTFA) to provide the rates you need and still remain a strong, stable carrier. At this point, with the persistently low interest rate environment, we are lowering the rate on our Variable UL LTFA account by 0.25% to 4.25%, effective April 1, 2016.
 
LTFA illustrations available March 11, 2016. With this change, you and your advisors will again be able to illustrate the LTFA on our variable UL policies.

Important dates. The illustration software will reflect these changes beginning March 11, 2016, although the new 4.25% rate will not take effect until April 1, 2016. Producers will be informed of this change via our March 2016 newsletter and product update.
 

2/26/2016

FGL MYGA Special 3.15% Interest Rate

 

For applications received on or after February 26th, 2016, the special interest rate on our FG Guarantee-Platinum® 5 single premium fixed deferred traditional annuity will increase from 3.00% to 3.15%. This special rate will end on March 11, 2016 subject to the following transition rules:

  • Applications received on February 26, 2016 through March 11, 2016 will receive the special 3.15% interest rate if policy is issued within 60 days. After 60 days, the policy will be issued at the then current interest rate
  • Exceptions will not be made on previously issued contracts for the higher interest rate

We hope both you and your clients can still take advantage of this special while it lasts!


2/25/2016

Index Universal Life Products Update - Transamerica
To view this email as a web page, go here.
 

Important Index Universal Life Product Update

Effective March 1, 2016, Transamerica's illustration software will be updated to reflect Phase 2 of the AG49 guidelines for all Index Universal Life products. The illustration from TransWare® will reflect these illustration updates with the goal of helping clients better understand the IUL product and how performance may vary over time.

For all new business and in-force IUL illustrations generated on or after March 1, 2016, illustration reports will include the following:

  • A new Alternate Assumption Ledger that is illustrated using the Basic Interest Account rate. This new ledger will replace the current Mid-Point Assumptions Ledger.
  • Charts showing actual historical performance over the most recent 20-year period for each Index Account, along with the hypothetical interest rates that would have resulted based on the product's current Cap and Guaranteed Minimum Interest Rate (Floor).
  • The minimum and maximum rates of all the 25-year look-back rates that were derived under the new maximum illustrated rate calculation.
Transamerica has participated in the ACLI IUL Task Force since the beginning and fully supports the efforts to help make the life insurance industry more transparent, and better position IUL as a life insurance solution.

2/19/2016

iGo System Maintenance Feb. 19 - Transamerica

To view this email as a web page, go here.

iGO System Maintenance

Due to an annual upgrade, iGO will be unavailable from 10 p.m. Friday, February 19 until 11 a.m. EST on Saturday, February 20. A few things to note regarding the scheduled maintenance, include:

  • A multi-session warning message will display if a case is already opened in iGO and then opened again in another tab or another computer. The system will not update properly when the same case is open twice.
  • For applications with the attachment option, secure PDFs can now be used without causing a signature error after locking the case.
  • Browser supported for iGO after update:
    • Microsoft® Internet Explorer (9, 10, 11)
    • Firefox (for Windows)
    • Apple® Safari® (for Mac and iPad)
    • Google® Chrome® (for Windows)
    • Note: The Edge browser will not be certified until spring.
  • Tablet Support
    • For iPad, versions of iOS and Safari are supported, and testing for this release was performed on iPads with iOS 9 running Safari. 
For other tablets, those running a supported operating system and browser combination are supported. 

2/19/2016

Important Leap Year Announcement: North American Company for Life and Health Insurance

Important Leap Year Announcement

Initial premium received on February 29, 2016 
will have an issue date of February 26, 2016

Since February 29 occurs only once every four years, 
we are unable to issue annuity contracts effective on that date.  
Please note the following important information:

Click here to view original memo


2/8/2016

Charlie Gipple Leads National Sales Training Workshops
Riverside, CA (February 5, 2016) – The Partners Advantage Index Academy will travel across the country in 2016 and deliver a full-day workshop focused on education that causes sales.
 
The complimentary events are open to licensed financial professionals and will be hosted in these cities (dates and locations are subject to change):
 

2/5/2016

Listen now! Genworth Update
Listen to our recording from Friday, February 5 as we disscuss Genworth's news.

2/4/2016

Product Discontinuation
Effective March 1st, we will be discontinuing sales of Custom GrowthCV and Custom TermGUL. Read more here.

1/28/2016

Enhancements to NAC IncomeChoice Coming February 9
 

January 28, 2016

NAC IncomeChoiceSM Fixed Index Annuity Enhancement 
Effective February 9, 2016

 
Summary of Changes
NEW!
150% Stacking Roll-Up Credit1
REQUIRED: 
New Forms
 

NEW GLWB Stacking Roll-Up Credit!
2% of Guaranteed Lifetime Withdrawal Benefit (GLWB) Value + 150% of Interest Credited

While the guaranteed portion of the GLWB Stacking Roll-Up Credit was reduced to 2%, the GLWB Stacking Roll-Up Credit now provides additional stacking potential by crediting 150% of the dollar amount of interest credited to the Accumulation Value.1

 

1 GLWB Stacking Roll-Up Credit equals 2% of GLWB Value plus 150% of dollar amount of interest credited to the Accumulation Value and is offered by current company practice which is a feature not contractually guaranteed in the contract and applies to the following states: CA, HI, PA, VA.

 
 

1/20/2016

Prudential: PruLife® Universal Protector Premium Changes—Effective February 22, 2016
We continuously review our product portfolio to offer a competitive suite of products that align to the needs of consumers and reinforce our commitment to the no-lapse guarantee marketplace. Based on our recent review, we will increase premiums approximately 3%.
 
 
 
NOT FOR CONSUMER USE. © 2016 Prudential Financial, Inc. and

1/15/2016

AIG Nashville Office Closed for Martin Luther King, Jr. Day

If you have trouble displaying this email, view it as a web page.

QoL Supporters/Producers, 

In observance of the Martin Luther King, Jr. Day, our offices will be closed  Monday, January 18, 2016 and reopen at our normal business hours Tuesday, January 19, 2016.

Thank you for your business.


12/21/2015

Changes to NAC BenefitSolutionsSM II Fixed Index Annuity Effective January 5, 2016 - North American Annuity
 

To: North American Annuity Agents and Distribution Partners

We will be making changes to the NAC BenefitSolutions II fixed index annuity effective January 5, 2016, due to the adoption of new mortality tables adjusted for the increase in life expectancy.

Read Field Memo here.


12/21/2015

North American Company for Life and Health Insurance|Annuity: Holiday Hours

Upcoming Holiday Office Closures
As we wrap up the year, we want to keep you informed of our holiday schedule to ensure you have the access you need for your North American fixed annuity business.

Holiday Break:

Closed December 24 and 25, 2015

New Year's Break:

Closed January 1, 2016




For 24/7 access while we're away, remember to use our mobile app or visit our website, www.NorthAmericanCompany.com for pending business, forms, marketing materials and more.


12/21/2015

AIG Preferred Guideline Improvements and Large Case Escalation Protocol

Please see the latest underwriting guideline changes and escalation protocol below.    

Change Highlights include:

  • Changes to acceptable treated blood pressure limits for Preferred Plus criteria
  • Changes to acceptable build for Preferred Plus and Preferred classes
  • Changes to total acceptable cholesterol for Preferred Plus class
  • Changes to driving violations and tickets as Preferred class criteria

Again, please let us know of any formal or informal cases that you have sent or will be sending to us with a premium of $10,000 or more annually, and we will work with everyone to get them done timely for year-end through our escalation process!  Please be aware we have changed our limits on our informal quotes.   Permanent business is $1,000,000 and Term is $5,000,000.     Below is additional information we will need answered for the escalation request

  • The premium amount;
  • Other Carrier offers and premium amounts, if known;
  •  What offer we need to get to, in order to win the case;
  •  What date we need to offer by; and
  •  When the last requirement was sent / received. 

 


12/14/2015

Significant Underwriting Changes Effective 12-14-15 - AIG
The Next BIG Change in Underwriting at AIG is Here!
 
AIG’s life insurers are committed to substantial underwriting changes for you and your customers, and we have followed through on that commitment over the past year, but we’re not quite finished.

Effective today, substantial liberalization to multiple preferred underwriting criteria will apply to all ages and fully underwritten plans. Changes take effect on all applications dated on or after December 14, 2015. 
 
These new changes are what we like to think of as underwriting for real people...
  • Been treated for blood pressure in the last 6 months? It happens and it’s fine by us. #itsnotadealbreaker
  • Planning on enjoying second helpings during holiday meals? We’ve added a few extra pounds to our scale. #itsnotdinnerwithoutdessert
  • Following doctors’ orders, but the cholesterol’s not going down? We threw in 10 extra points to aid in your effort. #weallneedalittlehelpsometimes
  • Missed that stop sign and tapped a bumper? Fender benders are no longer a factor. #theycallthemaccidentsforareason
For a detailed overview of the new Underwriting changes please click the download button below:  DOWNLOAD
 

12/11/2015

Reminder: 2015 Year-End Life Processing Dates and Holiday Schedule
 



The following year-end cut-off processing dates are being provided to assist you in meeting your 2015 production objectives.

These cut-off dates represent deadlines that must be met for cases to have the best chance of being put in force in 2015 and also help our distribution partners qualify for Contests and Conference as of 12/31/2015.

 

 

       

 

December 24

AIG offices close at 1:00 PM CT
EMSI APS Unit is open
CRL Plus Inspection Unit is open until 4:00 PM CT
ExamOne Quick Ticket Tele-Interview and Inspection Units are open
8:00 AM to 5:00 PM CT

 

       

 

December 25

Holiday: AIG offices are closed.
EMSI APS Unit offices are closed
CRL Plus Inspection Unit is closed
ExamOne Quick Ticket Tele-Interview and Inspection Units are closed

 

       

 

December 28

   

 

Cut-off for pending applications approved by Underwriting with no subsequent delivery requirements

Cut-off for Delivery Requirements

 

       

 

December 31

AIG offices close at 1:00 PM CT
EMSI APS Unit offices are open
CRL Plus Inspection Unit is open until 5:00 PM CT
ExamOne Quick Ticket Tele-Interview and Inspection Units are open
8:00 AM to 5:00 PM CT

       

 

January 1, 2016

 

Holiday: AIG offices are closed
EMSI APS Unit offices are closed
CRL Plus Inspection Unit is closed
ExamOne Quick Ticket Tele-Interview and Inspection Units are closed

 


12/9/2015

PruLife Survivorship Index UL-Coming January 2016
PruLife Survivorship Indexed UL is the newest addition to our product portfolio, planning to launch on January 4, 2016. This new survivorship offering gives you a legacy planning solution to help meet your clients' diverse needs. Give them a way to protect the legacy they've worked so hard to build with the added benefit of cash value growth potential.

12/9/2015

Voya Update - Give a pass to your busy and healthy clients
Created by the Voya® family of companies. View in web browser | Forward
 
Give a pass to your busy and healthy clients
As we get towards the end of the year and everyone is hustling and bustling around, think about how Orange PassTM combines traditional underwriting approaches with a streamlined process to help you get policies underwritten and in force faster. Learn more about Orange Pass.
 

12/7/2015

The 3.00% Interest Rate Special Is Still Available – But for a Limited Time - Fidelity & Guaranty Life
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The 3.00%* Interest Rate Special Is Still Available – But for a Limited Time
 
The 3.00%* interest rate on FG Guarantee-Platinum® 5 single premium fixed deferred annuity won’t last! A few things to know about Fidelity & Guaranty Life’s interest rate special:
 
What Are the Special Details? 
  • ONLY applications submitted electronically through our agent portal, SalesLink will be accepted
  • ONLY cash with application will be accepted and funds must be received within 10 business days of app submission, no transfers or 1035 exchanges
  • The minimum premium for this special rate is $20,000
  • FG Guarantee-Platinum 5 production amounts generated during this interest rate special will not count toward the Power Producer Conference (incentive trip) or the Power Producer Program (deferred compensation restricted bonus program)
  • Street commission during the interest rate special will be 2.25% through age 79

12/4/2015

Voya Annuities: Rate Announcement - Effective 12/9

Click here to view Voya Fixed Annuities Interest Rates and Features

VOYA Annuities will be improving the following rates on our fixed index annuity products.

  • Cap Rates increasing on Wealth Builder 6, Wealth Builder 8, and Secure Family
  • Volatility Control Spreads improving
  • Monthly Caps increasing on Secure 5 and Secure Opportunities Plus
  • Performance Trigger rates increasing on Secure 5 and Secure 7
  • Monthly Average spreads improving

Please see the rate sheet attached (changes highlighted in orange) effective next Wednesday, December 9th

In addition to many Voya rates improving Voya will be holding our industry leading cap rates on the Wealth Builder Plus index annuity at 7.50%.

Please see transition rules / rate lock details below and give me a call if you have questions.

Transition Rules:

CWA's:

Cash With Applications received on Tuesday, December 8, 2015 or before will receive the rate that was effective the date the application was received. Cash With Applications received Wednesday, December 9, 2015 will receive the rates effective that day.

Transfer Adds / Issues:

The policy will automatically receive the higher rate if the funds are received on or after Wednesday, December 9, 2015 (if the new rate is higher/better than the rates when the application was received). The original rate will still be applied if the rates happen to go back down before the funds arrive, we will not hold the "in-between" higher rate.


12/3/2015

Electronic Tax Statements from FGL
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Electronic Tax Statements Available for Your Convenience
Fidelity & Guaranty Life is offering electronic tax statements for your convenience. You will now see an option on SalesLink to enroll in Electronic Tax Statements. By selecting this option, you will be authorizing FGL to furnish your tax statements to you electronically through a secured website. 
 
So, What Does That Mean For You?
  • A faster, more efficient way to access your 1099 tax documents
  • A faster, easier way to obtain corrections in your tax documents
  • No more waiting for the paper documents to come in the mail
  • Less phone calls trying to track down your tax statements
So, How Do I Sign Up?
  1. For those of you who have not yet made an election, you will be prompted to verify your details once logged into SalesLink.
  2. Upon completion of the verification process, the enrollment screen will appear:  CLICK HERE TO SEE MORE
`

12/2/2015

NEW Mobile-Friendly Illustrations
 

Annuity Illustrations Now Mobile-Friendly!

At North American, we are constantly looking for ways to enhance the agent experience.  We are excited to announce that our illustration and calculator platform is now mobile-friendly. This enhancement allows you to be more efficient and effective at the point of sale when showcasing the value and competitive product features of our fixed and fixed index annuity solutions.

Call our Sales Support Team Today!
866-322-7066


12/1/2015

LIBR Rate Change And Product Discontinuation Effective December 31, 2015-American Equity

DATE:

December 1, 2015

TO:

American Equity NMOs and Agents

FROM:

Jessica Kilker, Vice President - Marketing Services

RE:

LIBR Rate Change and Product Discontinuation Effective Dec. 31

Hurry! Rate Change!
Rate Adjustments and Product Changes Effective Dec. 31, 2015

Due to the required use of new mortality factors that will cause higher reserve requirements for guaranteed income riders issued in 2016, American Equity is announcing rate changes to its Lifetime Income Benefit Rider. Additionally, the Enhanced Death Benefit and the Heritage Gold product will both be discontinued.

Lifetime Income Benefit Rider
To receive current Income Account Value (IAV) rates on the Lifetime Income Benefit Rider (LIBR), original applications along with cash or 1035/Direct Transfer paperwork must be received in our office by 4:45PM CST on Wednesday, Dec. 30, 2015. No faxes will be accepted. Applications received Thursday, Dec. 31, 2015, and after will require new disclosures and receive new rates. NO EXCEPTIONS! There are no fee changes.

Also, effective Thursday, Dec. 31, 2015, the Enhanced Death Benefit Rider (ICC14 R-LIBR-EDB) will be discontinued. Applications choosing to elect this rider must be received in our office by 4:45PM CST on Wednesday, Dec. 30, 2015. NO EXCEPTIONS!

New LIBR Rates

IAV Rate Changes

CURRENT IAV RATES

NEW IAV RATES

LIBR with No Fee

4.00%

3.00%

LIBR Income Only (Age 50+)

6.50%

5.50% (0.75% Fee)

LIBR Income Only (Age 50+)

7.00%

6.00% (0.90% Fee)

LIBR with Wellbeing (Age 50+)

6.50%

5.50% (0.85% Fee)

LIBR with Wellbeing (Age 50+)

7.00%

6.00% (1.00% Fee)


Choice Series Version - Optional

Income Only (Age 50+)

7.00%

6.00% (0.90%)

LIBR with Wellbeing (Age 50+)

7.00%

6.00% (1.00%)



Fixed Lifetime Income Benefit Rider

Income Only with No Fee

4.00%

3.00%

Income Only (Ages 50+)

6.50%

5.50% (0.40% Fee)

Heritage Gold (ICC11-IDX2)
Effective Thursday, Dec. 31, 2015, all sales for the Heritage Gold will be discontinued. Applications for this product must be received in our office by 4:45PM CST on Wednesday, Dec. 30, 2015. NO EXCEPTIONS! Please discard any brochures, disclosures and marketing material you have relating to this product.

Call our Marketing Department at 888-647-1371 or visit our website for more information.Thank you for your business and support!

Riders issued under form number ICC14 R-LIBR-EDB 


11/23/2015

Holiday Hours - North American|Annuity

Upcoming Holiday Office Closures
As we wrap up the year, we want to keep you informed of our holiday schedule to ensure you have the access you need for your North American fixed annuity business.

Thanksgiving Break:

Closed November 26 and 27, 2015

Holiday Break:

Closed December 24 and 25, 2015

New Year's Break:

Closed January 1, 2016

 

 

 

 


For 24/7 access while we're away, remember to use our mobile app or visit our website, www.NorthAmericanCompany.com for pending business, forms, marketing materials and more. 




11/20/2015

Fidelity & Guaranty Life Sales of Income and WealthBuilder 7&10 to be Discontinued
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FGL Discontinues Sales of One Fixed Indexed Annuity
Sales of Income and WealthBuilder 7&10 to be Discontinued
 
At Fidelity & Guaranty Life, we strive to continue to offer you competitive life insurance and annuity products. However, we will be discontinuing new business sales of Income and WealthBuilder 7 & 10 fixed indexed annuity effective December 1, 2015
 
 
Business Transition Rules
Applications must be received by November 30, 2015 and funded and in good order within 90 days
 

11/19/2015

Important Information Regarding Transamerica Solutions Final Expense

To view this email as a web page, click here

Effective December 1st, Transamerica will change the timing of when we pay 1st year advance commissions on our Solutions final expense products. Advance Commissions will be paid 2-3 days following the effective date of the policy. The effective date coincides with when Transamerica .processes a request for the first premium payment. Based on the effective date reflected on Agent Net Info, commissions will be processed within 2-3 days. 1st year advance commissions will continue to be paid daily.

The new process of paying commissions based upon the effective date versus the placed date, is the same process currently in place for our term, universal life, and index universal life products.

 

Click here to read original bulletin.

 


11/19/2015

New Product in Your State Available December 1, 2015
 

Date: November 19, 2015
To: North American Annuity Agents
RE: NEW Fixed Index Annuity Available in Illinois and New Mexico December 1, 2015

North American CharterSM Plus
Discover how our next-gen Charter design can help take your business to the next level!

PRODUCT FEATURES

North American
Charter Plus 14

North American
Charter Plus 10

10%
Premium Bonus1
(Initial Premium of $75,000+)


8% Premium Bonus1
(Initial Premium of less than $75,000)

7%
Premium Bonus1
(Initial Premium of $75,000+)


5% Premium Bonus1
(Initial Premium of less than $75,000)

 

 

 

 

 

 

 

Click here to read more.


11/17/2015

Fidelity & Guaranty Life: Introducing a New SalesLink!
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We’re Excited to Launch our New and Improved Agent Portal, SalesLink
 
At Fidelity & Guaranty Life, our aim is to improve your experience with us by providing you with all that you need to make doing business with us even easier. With that idea in mind, we redesigned our agent portal, SalesLink. We streamlined the structure, reorganized product pages and redesigned our communications area, just to name a few. Our end goal was to provide easier navigation to you, our producers! We hope you enjoy the new design.
 
What are Some of the New Key Features?
 

11/11/2015

NAFA Alert- RE: DOL Fiduciary Rule

NAFA ALERT – RECENT FEDERAL ACTIVITY REGARDING DOL PROPOSED FIDUCIARY RULE

 

RETIREMENT CHOICE PROTECTION ACT OF 2015

On November 4, 2015, Representative Mike Kelly (R-PA), a member of the House Ways and Means Committee and Chairman of the House Retirement Security Caucus, and Representative Sam Johnson (R-TX), Chairman of the House Social Security Subcommittee, introduced H.R. 3922, the Retirement Choice Protection Act of 2015 The legislation offers an alternative “best interest” standard to the Department of Labor’s proposed fiduciary rule. The bill defines investment advice to be individualized to the plan and would require that the consumer materially rely on the advice in making the investment or management decisions, recognizes that advisors may have a limited range of products that they are authorized to sell, requires full and fair disclosures, and allows for variable compensation. The press release on H.R. 3922 issued by Rep. Kelly and Chairman Johnson can be found here. The bill has been referred to two House committees: The Committee on Education and the Workforce and the Committee on Ways and Means.

In addition to H.R. 3922, Rep. Kelly and Chairman Johnson co-authored a joint letter to Labor Secretary Thomas Perez on October 6th, in which they expressed their concern that the proposed fiduciary rule would “severely disrupt the availability of affordable financial education and investment advice while also restricting product choice and retirement security for many American families.” The letter was co-signed by 103 members of the U.S. House of Representatives.

HOUSE WAYS AND MEANS COMMITTEE OUTLINES LEGISLATIVE PRINCIPLES TO STRENGTHEN RETIREMENT SECURITY FOR WORKING FAMILIES

On November 5, 2015, a bipartisan group of House members issued a press release, expressing their concern that the proposed DOL fiduciary rule would have the negative consequence of harming individuals and families saving for retirement (particularly low- and middle-class families) and outlining a set of legislative principles that will help strengthen the retirement security of working families and ensure retirement advisors protects their clients’ best interests.

According to the press release, Representatives Peter Roskam (R-IL), Richard Neal (D-MA), Phil Roe (R-TN), and Michelle Lujan Grisham (D-NM) are working together to introduce a bipartisan legislative solution that reflects the following principles:

  • Promoting families and individuals saving for a financially-secure retirement is an essential public policy good.
  • Retirement advisors must serve in their clients’ best interests and must be required to do so.
  • Retirement advisors must deliver clear, simple, and relevant disclosure of material conflicts, including compensation received and all investment fees to individuals saving for retirement.
  • Public policies must protect access to investment advice and education for low- and middle-income workers and retirees.
  • Public policies should never deny individuals the financial information they need to make informed decisions.
  • Investor choice and consumer access to all investment services–such as proprietary products, commission-based sales, and guaranteed lifetime income–should be preserved in a way that does not pick winners and losers.
  • Small business owners should have access to the financial advice and products they need to establish and maintain retirement plans and help workers save for retirement.

These congressional developments are in addition to the bill introduced on February 25, 2015 by Representative Ann Wagner (R-MO), H.R. 1090.  H.R. 1090, the Retail Investor Protection Act, which has 34 co-sponsors and which passed the House of Representatives on October 28, 2015, would:

  • Prohibit the Secretary of Labor from prescribing any regulation under the Employee Retirement Income Security Act of 1974 (ERISA) defining the circumstances under which an individual is considered a fiduciary until 60 days after the Securities and Exchange Commission (SEC) issues a final rule governing standards of conduct for brokers and dealers under specified law.
  • Amend the Securities Exchange Act of 1934 to prohibit the SEC from promulgating a rule establishing an investment advisor standard of conduct as the standard of conduct of brokers and dealers before it reports to certain congressional committees whether:
    • Retail investors and other customers are being harmed due to brokers or dealers operating under different standards of conduct than those applicable to investment advisors under the Investment Advisers Act of 1940;
    • Alternative remedies will reduce any confusion or harm to retail investors due to brokers or dealers operating under such different standards of conduct;
    • Adoption of a uniform fiduciary standard of conduct for brokers or dealers and investment advisors would adversely impact their commissions and the availability of proprietary products offered by brokers and dealers, as well as the ability of brokers and dealers to engage in principal transactions with customers; and
    • Adoption of a uniform fiduciary standard of conduct for brokers or dealers and investment advisors would adversely impact retail investor access to personalized, cost-effective investment advice and recommendations.
  • Require the SEC: (1) to publish in the Federal Register formal findings that such rule would reduce retail customer confusion or harm due to standards of conduct applicable to brokers, dealers, and investment advisors; and, (2) in proposing rules, to consider the differences in the registration, supervision, and examination requirements applicable to brokers, dealers, and investment advisors.

 

NAFA is closely monitoring activities on The Hill for developments. 

11/11/2015

3% for a Limited Time

For a limited time, Fidelity & Guaranty Life is increasing the initial interest rate for the FG Guarantee-Platinum® 5, a single premium fixed deferred annuity for new contracts issued on or after November 30, 2015. Learn more here.


11/9/2015

Premium Bonus Special Ending - North American Company for Life and Health Insurance®

Time is Running Out!

The 2% Premium Bonus Increase on the NAC RetireChoice® Fixed Index Annuity will end
November 30, 2015.

Up to 10% Premium Bonus!1
(May be subject to a premium bonus recapture)

Act now to offer your clients up to 10% Premium Bonus on the NAC RetireChoice 14 when the optional additional benefit rider is elected.2

It's not complicated.
It's SIMPLY GUARANTEED!

North American is an INDUSTRY LEADER for your client's guaranteed income needs. At the key retirement ages of 65 and 70 you can win with North American! Let us show you proof.

 

Click Here to Learn More!


11/9/2015

Increase in Compensation for Annuities - AIG Partners Group
 

Increase in Compensation for Annuities

 
 
       

We are happy to announce changes to our AIG Partners Group compensation for annuity products! The increase in annuity compensation rates is effective for annuity issue dates of November 9, 2015 and later.

We have several exciting annuity products that are available to our AIG Partners Group firms which include income annuities as well as deferred index annuities.

   
   
       
 

Income Annuities
For our Income Annuities, we offer the American Pathway Immediate Annuity (SPIA) for income now and the American Pathway Deferred Income Annuity (DIA) for income later.  Our DIA product contains an optional Qualified Longevity Annuity Contract (QLAC) feature making it a useful option for deferring RMDs!


11/6/2015

Mandatory Disclosure of Adverse Actions - Athene
 

Mandatory Disclosure of Adverse Actions

As part of your duties as an Independent Producer with Athene, you are required to disclose any Adverse Action taken against you to the Legal Department within five days of the occurrence, regardless if it is related to your relationship with Athene.

Adverse Actions include, but are not limited, to the following:

  • If you have had your insurance license, securities license, or other fiduciary license suspended or revoked or if you have been denied an insurance license by an insurance department.
  • If you have had a complaint filed, a regulatory inquiry/investigation, arbitration, or been sued by an insurance department, FINRA, state securities office, attorney general or any other regulatory agency.
  • If you have had lawsuits or claims against you, your surety company or E&O insurer arising out of your sales or practices. In addition, if you have been refused surety bonding or E&O coverage.
  • If you have been involved in any litigation or have unsatisfied judgment or liens, including tax liens, against you.
  • If you have been charged with or pled guilty to, nolo contendere to or have been found guilty of any felony or misdemeanor or are currently under indictment.
  • If any insurer, insured, or other person claim any commission chargeback or other indebtedness from you as the result of any insurance transactions or business.
  • If you have been discharged from any employment or had an agent contract terminated for reasons other than low production.
  • If you file for bankruptcy.

The attached Agent Disclosure Form has been created to assist you with disclosing any of the above Adverse Actions. If you have any Adverse Action not previously disclosed to Athene, please complete the form in its entirety and send via fax to the Legal Department at 877-522-2005 along with all documentation surrounding the Adverse Action.

If you are disclosing a conviction for any felony involving dishonesty or breach of trust, you must also provide proof of written consent from the State Insurance Commissioners where you are licensed (See 18 U.S. Code Sec. 1033.)

In addition, the majority of states requires disclosure of any adverse action; please review your individual state(s) to determine whether disclosure is also required to the Commissioner of Insurance. Please note that failure to report any adverse action may be grounds for termination of your contract with Athene.

11/5/2015

Watch This 4-Minute Video and Get Excited About DynaMARC Index Annuity!
To view as a web page click here.
 
Invest 4 minutes of your time to learn about this exciting new annuity and its underlying index.
 
 
Product Training Required
Complete your training now – click here

11/4/2015

AIG: New Applications are out in Forms Depot

NEW APPLICATIONS AND FORMS

 

Effective October 12, 2015, we moved to new applications for several products.

The new forms are available on Forms Depot, you have until January 3, 2016 to use any of the old applications.

Effective January 4, 2016, only NEW apps/forms will be accepted.

What’s changing?

We have transitioned to a Short Form and Long Form application.

  • The Short Form is used for a single insured applying for a single product.
  • The Long Form is used for multiple insureds or a single insured using multiple products.

Below are the major areas that are affected:

  • Part A
  • Agent’s Report
  • Limited Temporary Life Insurance Agreement
  • Bank Draft Authorization
  • Additions of new forms (supplemental applications, authorizations, and more)
  • Revised Forms (customer service forms, replacement forms, VUL Supplemental Application)

Click here for more information on what’s different about Part A. 


11/3/2015

Transamerica Chooses USPS to Deliver Policies

To view this email as a web page, click here

Beginning November 9, Transamerica will transition the delivery of policies to agents from FedEx to the United States Postal Service (USPS). The USPS will make deliveries Monday through Saturday, and the delivery window for Priority Mail® is one to three days, depending on location.

You will be able to see when a policy has mailed by clicking on Pending Reports on Agent Net Info.

If, on the fourth day the policy has not been received, agents should call their New Business team for a tracking number, which can be used to check the delivery status online.

Agents who require a specific policy to be overnighted should contact their New Business supervisor or sales representative for assistance.

Please contact your Transamerica sales representative if you have any questions.

 


11/2/2015

Exciting Agent-Travel Incentive Announced by EquiTrust!
To view as a web page click here.
A Great Adventure Awaits for your Agents!
 
Help them experience the breathtaking scenery of  Banff National Park in Alberta, Canada.
 
Two locations! Fairmont Banff Springs "Castle in the Rockies" and the historic Fairmont Chateau Lake Louise overlooking the glistening emerald lake.
 
Agent Travel Incentive from EquiTrust Life Insurance Company®

Travel Dates: August 7-12, 2016

Great Agent-Recruiting Opportunity! Customizable flyer – click here

Invitations will be extended to the top 30 producers for the qualification period of November 1, 2015 to April 29, 2016. Qualifying business must issue by May 31, 2016. Invitations will be sent shortly after May 31, 2016.

Minimum Production Requirement:
• All Life and Annuity Products qualify
• $2 Million in 5-or-more cases
Click here for complete rules



11/2/2015

Qualification for FGL's Power Producer Conference Ends December 31, 2015
There are only two months left to qualify for the Fidelity & Guaranty Life Insurance Company 2016 Power Producer Conference being held at the St. Regis Bahia Beach in Puerto Rico! The St. Regis Bahia Beach is the only resort in Puerto Rico with five-diamond recognition* – so it’s not to be missed.
 
More Information
Click below to watch our our conference video or click here to download our flier. You can also visit our Power Producer Program Resource Hub to download the FGL Power Producer program brochure or contact us directly at salesdesk@fglife.com with additional questions.
 

10/30/2015

Selling FIUL in the post AG 49 environment
You’re invited to an exclusive conference call with Allianz Life Insurance Company of North America 
Tuesday, November 3rd, 3 PM Central - Additional Note

One additional note on this call. This is for your advisors as well so please invite any and all advisors to be on the call as well. There will be a Q&A opportunity on this call. It should not last more than 30 minutes unless additional questions take it longer.

You’re invited to an exclusive conference call!

Ask the Actuary – Selling FIUL in the post AG 49 environment

Join us for a special conference call featuring Todd Petit, AVP Actuarial and Corey Luke, Director of Product Development, as they share important insights into selling FIUL in the post AG 49 environment.

They will share:


§ What you need to know about illustrating FIUL policies in today’s environment

§ Why sequence of interest rates matter

§ An exciting announcement about Allianz FIUL products


Don’t miss this important conference call.
Join us on Tuesday, November 3, at 3:00 p.m. Central Time.

Please let me know if you have any questions.

Conference call details:

Tuesday, November 3
3:00 p.m. Central time

Dial in number: 888.957.9872

Participant passcode: 4628259



10/27/2015

Genworth: The Ins and Outs of Annuity Product Pricing

Want to learn more about:

  • The role of the surrender charge in an annuity contract
  • How market value adjustments can impact annuity value
  • How carriers price fixed index annuities
  • Understanding uncapped, volatility-controlled indices
  • How the new 2012 IAR mortality table will impact guaranteed payouts

Join us October 29th as guest presenter, Christopher Conklin, SVP, Product Development, for Genworth Financial will shed light on these topics.

Can't see the button? Register Now.


10/26/2015

Equitrust: DynaMARC IndexTM Annuity
To view as a web page click here.
 
Now Approved in Mississippi!
DynaMARC IndexTM Annuity

DynaMARC Webinar Replay - Listen Now

Exciting Index Annuity with a Multi-Asset, Risk-Controlled Index!
And New-Design Income Rider!

10/20/2015

Now Available in Florida: Long Term Care (LTC) Rider

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Grow sales with new client markets with the Long Term Care (LTC) Rider, now available in Florida.
The Long Term Care (LTC) Rider offers valuable options, including:

  • Flexibility Now and in the Future: Clients may access LTC Rider benefits during their lifetime in the event of a qualifying chronic illness, or if long term care is not needed, they can provide a death benefit to their beneficiaries.
  • Death Benefit Options: The LTC Rider may be added to a policy with an increasing death benefit option or a level death benefit option. The increasing death benefit option allows the full amount of death benefit (even if the death benefit is above the $1,000,000 LTC specified amount) to be used for qualifying long term care needs.
  • Product Offering:The LTC Rider is available on TransNavigator® Index Universal Life (IUL) insurance policies.

10/16/2015

Rate Change for EquiTrust Index Annuities & SPIA
Rate Changes for EquiTrust Index Annuities & SPIA 
Effective Friday, October 23, 2015
 

10/16/2015

Transamerica Trendsetter Living Benefits increased to 1.5 million
Effective October 17,2015, Trendsetter Living Benefits will have a new maximum face amount of 2 million. which will enable you to offer clients more coverage. With the higher face amounts, clients will also have the ability to accelerate up to the new maximum of 1.5 million in the time of need due to a qualifying Critical, Chronic or Terminal Illness. For Trendsetter Living Benefit cases written in the last 6 months, please contact Partners Advantage for additional details on your clients options.

10/13/2015

One America Training Product Training Webinars: Care Solutions University Webinar Series-Life/Annuity with LTC Benefits

Care Solutions Virtual University Schedule

October 16, 1 p.m. EST

Care Solutions Portfolio- Choosing Options for your clients

Simplify the concept of asset-based LTC and our portfolio with different funding types
Register now

October 23, 1 p.m. EST

How to have a Meaningful LTC Conversation with your Client

Register now

October 30, 1 p.m. EST

Understanding Chronic Illness and Long-Term Care Life Insurance Options

7702B, 101(g) and UL-based products explained
Register now

November 6, 1 p.m. EST

Stable. Predictable. Guaranteed.: Asset-Based LTC Paid for Annually

Asset-Care IV vs. Traditional LTC insurance – A study in contrast
Register now

November 13, 1 p.m. EST

Care Solutions Asset-Based LTC Annuities

Learn the market opportunities and Pension Protection Act tax advantages of the Annuity Care portfolio
Register now

November 20, 1 p.m. EST

Producer Top Ten best practices for integrating Asset-Based LTC into your business

Register now

 


10/7/2015

Nationwide: New Product Information to Support Your Sales - Nationwide YourLife ® No-lapse Guarantee SUL II
SUL II offers LTC rider, effective Oct. 12
On October 12, Nationwide YourLife ® No-lapse Guarantee SUL II will offer a long-term care rider for up to two insureds on one policy. This affordable, flexible solution helps with LTC expenses, as well as legacy and estate planning needs, in one policy for parent/adult child, spouses and domestic/same-sex partners. 

10/7/2015

Voya Update - Don't delay: All references to ING must be removed by Oct 31

Deadline approaches to remove ING references

 

All ING references must be removed by Oct. 31. If you haven’t already done so, please check your brochures, marketing materials, website, social media sites, and any other communications to ensure all references to ING have been properly eliminated or updated to Voya. If you have any questions, or notice anything online or in print that hasn’t been updated, please take action immediately.

Created by the Voya® family of companies | web version


10/5/2015

Mandatory Tennessee Annuity Suitability Continuing Education Certificate Requirement
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Fidelity & Guaranty Life


Effective November 1, 2015 the Tennessee Department of Insurance will adopt the revised NAIC Model Regulation on Suitability in Annuity Transactions. Adoption of this regulation requires resident and non-resident producers to fulfill certain training before they may solicit Fidelity & Guaranty Life Insurance Company annuity products in Tennessee.

What Is the Required Training?

Completion of a one-time 4-hour Tennessee Department of Insurance approved Suitability education course on annuities. This course is in addition to any general education courses required by the state. 

 

10/1/2015

Message from Fidelity & Guaranty Life: Affecting CA - Statement in Lieu NO longer accepted

Dear Distribution Partner,

As a valuable partner, we want to make you aware of an upcoming change that could impact your agents in California, who currently use the Statement In Lieu of Conforming Illustration form versus using a signed full illustration. The below announcement/information will be distributed by the end of this week and we want to provide you advance notice of this announcement.

Please be advised that pursuant to an internal compliance review of insurance producer practices in California, as well as direction from the California Department of Insurance, Fidelity & Guaranty Life Insurance Company (“Fidelity & Guaranty Life”) will no longer permit use of its Statement in Lieu of Conforming Illustration form in the state of California. In particular, insurance producers will no longer be permitted to show illustrations to applicants on electronic devices (such as laptops or electronic tablets), then have and/or submit a Statement in Lieu of Conforming Illustration form signed instead of the actual illustration used.

The transition rules will be as follows:
• All life insurance applications taken or dated after October 15, 2015 must be accompanied by a hard copy of the full illustration signed by both the insurance producer and applicant, and must be dated on or before the date of the application – a copy of the full executed illustration must also be left with the applicant
• Fidelity & Guaranty Life will not underwrite any life insurance application dated after October 15, 2015 that includes the Statement in Lieu of Conforming Illustration form or is not accompanied by a copy of the full illustration signed by both the producer and applicant and dated on or before the date of the application. In these cases, a new application and fully executed illustration will be required before the case can be forwarded to underwriting for consideration
• All life insurance applications taken or dated prior to October 15, 2015 must be received in our Service Center by October 23, 2015 for processing
By the end of this week we will be sending this announcement out to our field force, but prior to that if you could let your teams know of this change that would be helpful.
If you have any questions regarding this change please contact either Myself, Dennis or Emily. Thanks again for your continued partnership and loyalty to FGL.

 
Change in Life Insurance Policy Illustration in CA

Statement in Lieu Form No Longer Accepted in California for Policy Illustrations
Please be advised that pursuant to an internal compliance review of insurance producer practices in California, as well as direction from the California Department of Insurance, Fidelity & Guaranty Life Insurance Company (“Fidelity & Guaranty Life”) will no longer permit use of its Statement in Lieu of Conforming Illustration form. In particular, insurance producers will no longer be permitted to show illustrations to applicants on electronic devices (such as laptops or electronic tablets), then have and/or submit a Statement in Lieu of Conforming Illustration form signed instead of the actual illustration used.
 
What Does this Mean for You?
 
 

9/30/2015

NAIC Suitability Training Update - Maine and Tennessee

 

NAIC Suitability Training Update

Maine and Tennessee passed the Model Suitability Law effective November 1, 2015.

Take your required training

Four-hour continuing education course: Maine and Tennessee

Producers selling or soliciting annuity products in Maine or Tennessee must complete a one time, four credit-hour Continuing Education Course as required by the NAIC’s Model Suitability Regulation.

This one-time requirement is not a condition of license renewal, but must be obtained from an approved vendor. You will have satisfied this training requirement if, at any time after November 1, 2015, you take or have taken a training course that either:

  1. Fulfills the training requirements of another state, provided that those requirements are substantially similar to the requirements of the Maine (02-031, Chapter 917) or Tennessee (0780-01-86) Suitability in Annuity Transactions Rule; or
  2. Is, or has been, attested to the Maine or Tennessee Insurance Department by an approved Continuing Education Provider as fulfilling the content requirements of the state’s Suitability in Annuity Transaction Rules.

TRANSITION GUIDELINES FOR FOUR-HOUR CONTINUING EDUCATION COURSE

State

Citation

Effective Date

Training Deadline

ME

02-031, Chapter 917

11/1/2015

5/1/2016

TN

0780-01-86

Important Information

Producers who obtain a life insurance line of authority on or after 11/1/2015 must complete an approved four-hour CE before soliciting an annuity application.

Producers who obtained their life insurance line of authority prior to 11/1/2015 have until 5/1/2016 (six months) to complete an approved four-hour CE course.

 

Athene product training: All states

Regardless of which states have enacted the suitability training requirements, the Regulation also requires that you have adequate knowledge of the products you sell. The Regulation prohibits you from soliciting an annuity application unless you are in compliance with the issuer’s standards for product training.

In support of the Regulation, Athene has implemented Annuity Product Training on a nationwide basis. This Annuity Product Training is required for all producers regardless of whether your specific state has enacted the NAIC suitability training requirements. Any annuities solicited prior to completing the required training will not be issued. Once training is completed, a newly signed application dated the day the training was completed or after will be required.

TRANSITION GUIDELINES FOR ANNUITY PRODUCT TRAINING

State

Citation

Effective Date

Training Deadline

ME

02-031, Chapter 917

11/1/2015

11/1/2015

TN

0780-01-86

Important Information

Athene requires that all agents, regardless of when they obtained their producers license, complete Annuity Product Training in order to solicit or continue to sell Athene products.

Avoid business disruption and take your required training now. All training can now be accessed through the training tab on Athene Connect.

 

 

Reminder

Applications for Athene Annuity and Life Company products must be accompanied by the following:

  1. The Customer Identification and Suitability Confirmation Worksheet (17341 rev. 11/14).
  2. The generic Annuity Product Comparison Worksheet (17290 rev. 3/14) or pre-populated product-specific version. Please note that the Annuity Product Comparison Worksheet is only required in transactions involving the replacement of an annuity.

 

 

 

Questions?

  • Training requirements: Contact our Licensing Department at 800-800-9882.
  • Contracting: Contact our Contracting Department at 888-ANNUITY (Option 2 then 4) or email contracting@athene.com.
  • Previously announced state adoptions: Visit the News Archive on Athene Connect.

 


9/28/2015

AG49 Processing Rules for Discontinued Index Plus Plan

Index Plus issued on or after September 30, 2015

 

 

As previously announced, the Index Plus plan was discontinued in January 2015 in all states, with the exception of California, where it was subsequently discontinued in April 2015.

Due to the Actuarial Guideline 49 (AG 49) for Index Universal Life illustrations effective September 1, 2015, updates to the cap rate were applied.

Producers with Index Plus applications with a status of pending or closed incomplete prior to September 1, 2015 may reopen the cases. Transition rules for applications with the discontinued Index Plus products are detailed below.

 


9/28/2015

Get Into An Aloha State Of Mind!
Click here for Convention Details.
 
GFCS 09.28.15
For Agent Information Only. Not for use in solicitation or advertising to the public. 

9/25/2015

[Important] Duplicate Payment Processed for Week of 9/21/15
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Duplicate Payment Processed for Week of 9/21/15

There was a processing error in the accounting payment system which caused the 9/21/15 payroll to be duplicated. Please note the following:

  • If you are paid in the form of EFT, the second EFT will be reversed on 9/24.
  • If you are paid in the form of a check, the check dated 9/21 is valid.
  • If you receive a second check, dated  9/22, it is a duplicate check and has been canceled. The check should be destroyed immediately and not deposited.
We apologize for any inconvenience this may have caused.
 
Questions
Any questions can be directed to Partners Group Compensation at 1-800-255-2702, option 3.

9/24/2015

Fixed Annuity Rates Are Changing Effective Monday, September 28, 2015. View new rates today.
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Annuity rates are changing...

Click to view new rates


9/21/2015

Foresters plans to change its brand name to Foresters Financial
 
ForestersTM CEO Tony Garcia announced today plans for the Foresters family of companies to be known collectively by one brand - Foresters Financial - in Canada, the United States and the United Kingdom. First Investors kicked off the transition today with a total rebrand to Foresters Financial.
 
Changing Foresters brand name has been a priority for Tony Garcia since he took the helm in May 2014: "Although we're proud of our heritage, we know that when members of the public see or hear the Foresters name, many wonder what we do. Adding the category descriptor 'Financial' to the Foresters name clearly denotes that we are in the financial services sector."
 
First Investors will start to use the Foresters Financial name and logo immediately and the rest of the organization will start to rebrand in early 2016 with a goal to have key branded assets in Canada, the United States and the United Kingdom converted by the end of 2016. The organization also plans to introduce a dynamic new, integrated website showcasing its full suite of product and service offerings and delivering enhanced functionality for clients, members and sales partners.
 
For more information, contact Foresters Sales Desk at 866 466 7166, option 1.
 
 
Producer Use Only 412845 US (09/15)
 

9/21/2015

Accelerated Death Benefit Rider on Immediate and 10 Pay Solutions Suspended in CA

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Accelerated Death Benefit Rider on Immediate and 10 Pay Solutions Suspended in CA

Effective October 1, 2015, the sale of the Accelerated Death Benefit Rider on the Final Expense Immediate and 10 Pay Solutions in the state of California will be temporarily suspended pending re-approval. Applications received after close of business September 30th will not be issued with the Accelerated Death Benefit Rider in CA. Please note that the base policy for Immediate and 10 Pay Solutions are still available for sale in CA.

 

 


9/21/2015

Nationwide adding long-term care(LTC) rider to their No-Lapse Guarantee SUL II universal life product
This means clients can elect long-term coverage for up to two people on one policy. LTC expenses may be covered within one policy for many life scenerios , including Parent/Child, Married couple and Domestic/Same sex partners. The benefit is paid as a cash indemnity, maximum benefit is 2% of face amount per month, and a maximum of 50% face amount per insured. Please call you marketer for state approvals and other details.

9/21/2015

DynaMARC Index…seeks highest risk-adjusted returns within a target volatility
To view as a web page click here.
 
DynaMARC IndexTM Annuity
Featuring a Multi-Asset, Risk-Controlled Index!
And New-Design Income Rider!

DynaMARC Webinar Replay
- Listen Now

Featuring the Goldman Sachs Dynamo Strategy IndexTM
• Customized index seeks the highest risk-adjusted returns subject to a
   target volatility
• Asset classes: equity, fixed income, real estate, commodities and cash

Customized illustrations show your prospects backtested results of DynaMARC Index accounts! Click here

Current Rates
• 1-Year Point-to-Point Participation Account (Dynamo Index): 75% click here
• 2-Year Point-to-Point Participation Account (Dynamo Index): 100% click here
• 1-Year Point-to-Point Index Account (S&P 500): 4.50%
• 1-Year Monthly Cap Index Account (S&P 500): 2.00%
• 1-Year Interest Account: 2.50%

9/18/2015

Protective: Annuity Interest Rate Notification
 
 
RateNotificationHeader
Rates are set every two weeks and may change without notice.  Depending on market
conditions, rates may be set more frequently.  Withdrawals and early surrenders
may lower returns.
 
While we make some updates to our rate notification process, please find your state
in one of the groups below to view rate information for the indexed annuity product
available in your state.
 
  • Alaska
  • Missouri
  • New Jersey
  • Oregon
  • Pennsylvania 
  • Utah
  • Vermont
 
All other States
 
Current Rates   Future Rates   Current Rates Future Rates


9/17/2015

American Equity: In Case You Missed It!
American Equity’s Educational and New Agent Webinars can all be found here. As always, we will continue to contact our agents when we are hosting a new event. Check back often to see what important topic we will cover next.
 

9/17/2015

News from Voya Annuity and Asset Sales
Created by the Voya® family of companies. View in web browser | Forward
 
1(29)
1(31)
  1(30)
 
  

 


  

 Disclaimer

There is no guarantee that any forecasts or opinions expressed in this event will be realized. Information should not be construed as legal, estate tax, retirement or financial planning advice.

An investor should consider the investment objectives, risks, charges and expenses of the Fund(s) carefully before investing. For a free copy of the Funds’ prospectus, which contains this and other information, visit us at www.voyainvestments.com or calling 1-800-992-0180. Please read the prospectus carefully before investing.

©2015 Voya Investments Distributor, LLC | 230 Park Avenue, New York, NY 10169 (800) 992-0180 Individual Investors (800) 334-3444 Investment Professionals.

Not FDIC Insured | May Lose Value | No Bank Guarantee

For financial representative use only. Not for inspection by, distribution or quotation to, the general public. 

IM-0903-17165-0916

Voya Investment Management   230 Park Avenue    New York,  NY   10169   USA 


9/16/2015

Transamerica: A Simple Strategy to Help You Sell More Life Insurance
Did you know one of the top reasons clients do not buy life insurance is that they don't know how much coverage they need? Help your prospects think of life insurance in terms of monthly income replacement and watch your sales grow!

Join us for this exclusive webinar on the no cost Income Protection Option and learn:

  • How to talk to clients about how to use life insurance as a monthly income replacement tool for loved ones;
  • Three simple questions that help clients determine coverage and close a sale; and
  • Tools you can use with clients that can lead to bigger face amounts.

To learn more, CLICK HERE TO REGISTER

September 29, 2015
11:00 AM (Central)
Webinar Password:
Transamerica (capital T)
Audio Dial in: (800) 683-4564
Access Code: 279838

Register today!

Life insurance issued by
Transamerica Life Insurance Company, Cedar Rapids, IA.

For producer use only. Not for distribution to the public.
TFM 395 0915


9/15/2015

Assurity Contest Starts Tomorrow! $10K Premium Gets $1,000 Cash!

The qualifications for the contest are:

-          Must write $10,000 of weighted annual premium
-          All business must be submitted after September 15th, and have it issued and paid by Dec 31st
-          Acceptable products are Participating Whole Life, Universal Life, Term 350+ and Joint Whole Life

Click here to view more.


9/10/2015

Recorded Webinar: Retirement Income Academy, Session 4

Retirement Income Academy, Session 4

Recorded July 28, 2015
Presented by Charles Samuel-American General, Curtis Cloke-Thrive University and Todd Davis, CAS-Annuity Brokerage Director Partners Advantage
View this recording


9/10/2015

Recorded Webinar: Retirement Income Academy, Session 2
Retirement Income Academy, Session 2

Recorded July 14, 2015
Presented by K.C. Lane-North American Company, Curtis Cloke-Thrive University and Todd Davis, CAS-Annuity Brokerage Director Partners Advantage
View this recording

9/10/2015

Recorded Webinar: Retirement Income Academy, Session 3
Retirement Income Academy, Session 3

Recorded July 21, 2015
Presented by John Farver-American Equity, Curtis Cloke-Thrive University and Todd Davis, CAS-Annuity Brokerage Director Partners Advantage
View this recording

9/10/2015

Recorded Webinar: Retirement Income Academy, Session 1

Retirement Income Academy, Session 1

Recorded July 7, 2015
Presented by Craig Geiger-Genworth Financial, Bill Jackson-Advanced Markets Partners Advantage, and Todd Davis, CAS-Annuity Brokerage Director Partners Advantage
View this recording

9/9/2015

AIG: New! Personal Health Interview (PHI) Process
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Telephone Interview Service (TIS) on Life Products Discontinued

   
           

New! Personal Health Interview (PHI) Process

     

To better align across all Consumer Life Operations distribution channels, the TIS process will be decommissioned and replaced with the PHI process effective September 14th, 2015.

What is a PHI?

At the underwriter’s discretion, a Personal Health Interview (PHI) may be ordered instead of an APS to gather additional information for certain mild to moderate impairments. Personal Health Interviews will help bridge the gap between your need for speed and the underwriter’s need for information. 

PHIs are ordered by the home office and performed by the APPS Portamedic PHI service, ePortamedic.  The interviews are conducted directly with the proposed insured over the phone. In many cases, the PHI will provide all of the needed information without an APS, so your underwriter can approve your case faster!


9/9/2015

AIG: Fixed Annuity Rates Are Changing Effective Monday, September 14, 2015. View new rates today.
If you are having trouble reading this email, read the online version

Annuity rates are changing...

Click to view new rates


 

9/9/2015

Equitrust: Approved in New Mexico! DynaMARC Index Annuity!
To view as a web page click here.
 
Now Approved in New Mexico!
DynaMARC IndexTM Annuity

DynaMARC Webinar Replay - Listen Now

Exciting Index Annuity with a Multi-Asset, Risk-Controlled Index!
And New-Design Income Rider!

Featuring the Goldman Sachs Dynamo Strategy IndexTM
• Customized for EquiTrust
• Seeks the highest risk-adjusted returns subject to a target volatility
• Asset classes: equity, fixed income, real estate, commodities and cash
 

9/3/2015

TransWeekly - September 2, 2015
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SEPTEMBER 2, 2015 ISSUE:

  • Maximum Illustrated Rate Update – TransNavigator® IUL
  • Holiday Closure
  • Engage with Transamerica on Twitter!
General agents:
This symbol indicates information that may be of interest to your producers.
 

9/1/2015

Transamerica: Earn a 10% Commission Bonus on Your Next IUL Case!

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Transamerica will enhance your next IUL commission by 10% in 3 simple steps.*

 
STEP 1: Register at www.talearnandearn.com.
STEP 2 : Watch a short video training module.
STEP 3: Anwer 5 quick questions.
 
After you complete steps 2 and 3, you may be eligible for a 10% commission enhancement on one TransNavigator® IUL case submitted (along with a claim form**) by December 31, 2015.

And, each time you complete a new video training module, you are eligible for a prize drawing. Complete all six video modules and you’ll automatically be entered into the Grand Prize sweepstakes.
 

8/31/2015

Webinar Replay: How to Sell More to Business Owners
In case you missed it, here's a replay: WEBINAR REPLAY

8/28/2015

American Equity: In Case You Missed It - Improved P.i.V.i.T. Tool NOW AVAILABLE!
 
 
 
 
P.i.V.i.T
Planned Income Value Input Tool
Improved P.i.V.i.T 
NOW AVAILABLE!
 
Click Here to learn more.
 
GFCS 08.25.15
For Agent Information Only. Not for use in solicitation or advertising to the public. 
 
 
 
 

8/27/2015

AIG: Additional AG49 Webinar Trainings

New Guidelines for Illustrating IUL Products
The National Association of Insurance Commissioners (NAIC) has adopted a new Actuarial Guideline 49 (AG 49) for IUL Illustrations.

The NEW rules under AG 49 apply to the entire industry, not just to American General Life. Please note that American General Life’s products are NOT changing; this new regulation will only impact how our Index Universal Life products are illustrated.

Back by popular demand!! Additional webinar dates!

To learn more please join one of our webinar trainings. Attached is the webinar invitation. 
• Tuesday September 8th at 10 am CST
• Thursday September 10th at 1 pm CST

Dial-In: 1-888-535-6454
Meeting Number: 9136363
Click HERE to Access Web Meeting

If you still can’t find time to attend this valuable session, or interested in hearing it again? Click HERE to visit the pre-recording version of this training anytime. 
Please feel free to forward to those who may be interested. 

View flyer here.


8/27/2015

Equitrust: New! DynaMARC Index Annuity! Great Recruiting Opportunity!
To view as a web page click here.
 
It's Here!
DynaMARC IndexTM Annuity

Exciting Index Annuity with a Multi-Asset, Risk-Controlled Index!
And New-Design Income Rider!

Featuring the Goldman Sachs Dynamo Strategy IndexTM
• Customized for EquiTrust
• Seeks the highest risk-adjusted returns subject to a target volatility
• Asset classes: equity, fixed income, real estate, commodities and cash
 

8/26/2015

Transamerica: Earn a 10% Commission Bonus on Your Next IUL Case!

To view this email as a web page, click here

Transamerica will enhance your next IUL commission by 10% in 3 simple steps.*

 

STEP 1: Register at www.talearnandearn.com.
STEP 2 : Watch a short video training module.
STEP 3: Anwer 5 quick questions.
 
After you complete steps 2 and 3, you may be eligible for a 10% commission enhancement on one TransNavigator® IUL case submitted (along with a claim form**) by December 31, 2015.

And, each time you complete a new video training module, you are eligible for a prize drawing. Complete all six video modules and you’ll automatically be entered into the Grand Prize sweepstakes.

8/25/2015

NEW NAC BenefitSolutions Available in CA 9-1-15

Coming to California 9-1-15
NEW! NAC BenefitSolutions

We’re excited to introduce a new way of thinking about fixed index annuities with the launch of the revolutionary NAC BenefitSolutions on September 1, 2015!

Product Training Available Now!
Give yourself a head start by completing the required product training today. It's available now, simply access the course online at www.NorthAmericanCompany.com by visiting My Annuities and the Required Training link under the Training Center section. You can also access the course directly at RegEd, simply log in and search for Product Code 15SFGNAC_01. If you have not yet registered on RegEd, click here for registration instructions.

8/24/2015

FGL Interest Rate Updates for September 2015
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Fidelity & Guaranty Life is Pleased to Present Your September Interest Rate Sheets 
Fidelity & Guaranty Life Insurance Company is dedicated to providing you with the most recent rate information in a timely manner. Simply click on the buttons below to download the September 2015 rate sheets. 
 
Download Rate Sheets
Here are your September 2015 interest rate sheets: here
 

8/24/2015

AIG: Income Annuity Payout Rates effective Monday, August 31, 2015 - Decreasing
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American Pathway® Immediate Annuity (SPIA) and American Pathway® Deferred Income Annuity (DIA) payout rates will be DECREASING effective Monday, August 31, 2015
 
NOTE:  Some Period Certain Only rates will not change.  
 
 


8/12/2015

NAIC Adopts New Indexed Universal Life Guidelines
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Implementing New Illustration Guidelines

The NAIC recently approved New Illustration Actuary Certifications under The Application of the Life Illustrations Model Regulation to Policies with Index-Based Interest (AG49). Because of the implementation of AG49, FGL is required to make changes to our FIUL products. We will implement these required changes into two separate phases.

What Are the Phases?  Read more here.


8/11/2015

AIG: New Guidelines for Illustrating IUL Products

New Guidelines for Illustrating IUL Products

The National Association of Insurance Commissioners (NAIC) has adopted a new Actuarial Guideline 49 (AG 49) for IUL Illustrations.

Please join one of our webinar trainings to learn more. Below is the webinar invitation.

  • Wednesday August 19th at 2 pm CST
  • Thursday    August 20th at 10 am CST
  • Tuesday      August 25th at 9 am CST
  • Tuesday      August 25th at 3 pm CST

Dial-In: 1-888-535-6454

Meeting Number: 9136363

Click HERE to Access Web Meeting  

Webcasts Invitation


8/10/2015

AIG: New NAIC's AG 49 Guidelines for IUL Illustrations Webinar!
The National Association of Insurance Commissioners (NAIC) has adopted a new Actuarial Guideline 49 (AG 49) for IUL Illustrations. Let us help you make sense of it!  We will be holding a webinar on two different days, Wednesday August 19th & Thursday August 20th.  .
 

8/10/2015

AIG: Income Annuity Rates will NOT change on Monday, August 17, 2015

If you are having trouble reading this email, read the online version.

American Pathway® Immediate Annuity and
American Pathway® Deferred Income Annuity rates will Not change on Monday, August 17, 2015.


8/6/2015

North American|Annuity: Summer Surge is On - 1% Commission Special
 
 
 

Trouble viewing this message? View in web browser.

North American is launching an exciting commission change that may help your earnings "SURGE" in 2015!

1% Commission Special on NAC BenefitSolutionsSM II Fixed Index Annuity through December 31, 2015!

(6% street + 1% Special)(1) = 7.00% Total Comp(2) NAC BenefitSolutions II 7-Year Fixed Index Annuity

 

Call Sales Support to see how our enhancement
could help make 2015 your best year ever!
866-322-7066

NAnnuities@SFGMembers.com

www.NorthAmericanCompany.com

 
 
 

8/4/2015

Voya Financial: The Blitz 15-minute sales ideas

Created by the Voya® family of companies. View in web browser | Forward

The Blitz
15-minute sales ideas
used by successful agents

August 3 & 4

Good. Better. Best
Client Profile: 30-50; upper middle income +, Business owner or other successful professional

  • 3 simple techniques to improve sales
  • A NEW approach to selling
  • Take advantage of unique policy feature
  • How to position w/client
  • Differentiate yourself

"CLIMB THE LADDER" - USE THIS APPROACH ON YOUR NEXT SALE

Unless otherwise noted, The Blitz occurs Mondays & Tuesdays at 1pm Central

Join Meeting 

Call in: 888-311-2948
Participant code: 962542

August
3 & 4

Good. Better. Best.

August
10 & 11

Non-Med Underwriting & the NEW Voya IUL-Accumulator

August
17 & 18

Insuring your Social Security

August
24 & 25

Opportunities for High Net Worth Foreign Clients

August
31 & Sept 1

New IUL Regulations: How to Position Yourself

September
8

Life Insurance as a "Roth Alternative"

September
14 & 15

Non-Med Underwriting & the NEW Voya IUL-Accumulator

September
21 & 22

Give your Child a Gift for Life

September
28 & 29

VUL in the "New World"


8/4/2015

AIG: Income Annuity Rates will NOT change on Wednesday, August 5, 2015

If you are having trouble reading this email, read the online version.

American Pathway® Immediate Annuity and
American Pathway
® Deferred Income Annuity rates will NOT change on Wednesday, August 5, 2015.

Need a quote?

Run American Pathway Immediate Annuity (SPIA) and American Pathway

Deferred Income Annuity (DIA) quotes at https://estationsecure.americangeneral.com.

For more information, email Internal.annuitysales@aglife.com

or call 888-438-6933 option #2.  

 


8/3/2015

Webinar: Mutual of Omaha - Living Promise Final Expense

Join WebEx meeting

Meeting number:           596 265 401    
Meeting password:        mutual 

 
 
Join by phone 
Call-in toll-free number: 1-(888) 816-4043 (US) 
Call-in number: 1-(888) 816-4043 (US) 
Conference Code: 402 351 3538 

7/31/2015

Update for Voya Annuities
Created by the Voya® family of companies. View in web browser | Forward
Voya Annuities Rate Update
New rates effective August 5, 2015
 
Effective August 5, 2015,

CWA's:

Cash With Applications received on Tuesday, August 4, 2015 or before will receive the rate that was effective the date the application was received. Cash With Applications received Wednesday, August 5, 2015 will receive the rates effective that day.

Transfer Adds / Issues:

The policy will automatically receive the higher rate if the funds are received on or after Wednesday, August 5, 2015 (if the new rate is higher/better than the rates when the application was received). The original rate will still be applied if the rates happen to go back down before the funds arrive, we will not hold the "in-between" higher rate.

Voya Sales Desk: 1-800-369-5301


7/30/2015

American Equity: Rate Increase On The Guarantee Series!

DATE:

July 30, 2015

TO:

American Equity NMOs and Agents

FROM:

Jessica Kilker - Vice President, Marketing Services

RE:

MYGA Rate Increase Effective August 3, 2015


Good News! Rate Increase on Guarantee Series!

American Equity is pleased to announce rates are increasing on the Guarantee Series effective August 3, 2015!

All contracts issued August 3, 2015 and after will receive the new rates as outlined below. There will be no rate adjustments made to previously issued contracts.

Guarantee Series (ICC13 MYGA*)

Current Rate

New Rate

Guarantee 5

2.45%

2.55%

Guarantee 6

2.65%

2.75%

Guarantee 7

2.90%

3.00%

Thank you for your continued business and support! Please call Marketing at 888-647-1371 if you have any questions.

 

 

*Form number and availability may vary by state.


7/29/2015

AIG: Annuity Rates Are Changing Effective Monday, August 3, 2015. View new rates today.
 If you are having trouble reading this email, read the online version
 
Annuity rates are changing...
 

7/27/2015

AIG: Income Annuity Rates will NOT change on Monday, August 3, 2015
If you are having trouble reading this email, read the online version

American Pathway ® Immediate Annuity and
American Pathway
®  Deferred Income Annuity rates will NOT change on Monday, August 3, 2015.

 

 

 

Need a quote?

Run American Pathway Immediate Annuity (SPIA) and American Pathway

Deferred Income Annuity (DIA) quotes at https://estationsecure.americangeneral.com.

For more information, email Internal.annuitysales@aglife.com

or call 888-438-6933 option #2.  


7/24/2015

Accordia Life: Important Update on In-Force and New Business
Having trouble viewing this email? View in browser 

August Milestones for In-Force and New Business

Valued partners,

August marks an important milestone at Accordia Life.  The "first wave" of existing business will move from Athene to Accordia Life.  There are details and dates we want to be sure you are aware of, whether or not you have clients directly affected by the transition. 

What you need to know:

 Field Bulletin for Agents with only Accordia Life Business
 Field Bulletin for Agents with policies at Athene (including formerly Aviva policies)

We are grateful for your business and partnership. We appreciate your patience and resilience. If you have questions regarding the transition of Athene policies, there is a dedicated call center to help you.  Please read through the Agent Letter attached to the Field Bulletin for Agents with policies at Athene, which includes the call center contact information.

Best,

Mike Miller
President
Accordia Life and Annuity Company

 


7/24/2015

Accordia Life: What you Need to Know: NAIC Actuarial Guideline for IUL Illustrations (AG 49)

Is this email not displaying correctly? View it in your browser;

 
 
Wondering what impact the new NAIC Actuarial Guideline for Indexed Universal Life Illustrations may have on your business?

We've put together a very brief overview of Actuarial Guideline 49 (AG 49) and what you can expect as the guideline goes into effect.

What you should know: AG 

7/21/2015

North American Annuity: NEW in TX: Volatility Control on Performance Choice

 

 

To: North American Company for Life and Health Insurance® Agents

RE: NEW Volatility Control Index on Performance Choice® 8, 8 Plus, 12 and 12 Plus Available in Texas Effective July 21, 2015

 

 

 

We are excited to announce the addition of the Annual Point-to-Point with Index Margin crediting method and Volatility Control Index1 to our popular Performance Choice 8, 8 Plus, 12, and 12 Plus fixed index annuities in Texas effective July 21, 2015.

Click on the video below to earn more about the new index.

 

Review the Performance Choice product materials below for competitive product features including premium bonus options.2

All you need to get started!

Performance Choice 8 Brochure
Performance Choice 8 Disclosure
Performance Choice 8 Plus Brochure Performance Choice 8 Plus Disclosure
Performance Choice 12 Brochure Performance Choice 12 Disclosure
Performance Choice 12 Plus Brochure Performance Choice 12 Plus Disclosure

Volatility Control Client Flyer
Interest Rate Sheet

IMPORTANT:

NEW Allocation Form
REQUIRED for applications received July 21, 2015 and after

REQUIRED TRAINING: If you have not yet taken the required product training, access to the course can be found online at www.northamericancompany.com by visiting My Annuities and the Product Training link under the Training Center section. You can also access the course directly at RegEd, simply login and search for Product Code 15SFGNAC_04. If you have not yet registered on RegEd, click here for registration instructions.

Thank you for your business!

Questions? Call Sales Support at 866-322-7066.

 

 

 


7/21/2015

AIG:2015 Life Webinar Calendar For July and August

 

 
 

2015 Life Webinar Calendar

For July and August

Join us for a series of webinars on a broad range of topics, including the Asset Protector, RetireStronger.com, Value+ IUL and long-term care vs chronic care. 

Audio:

Toll-Free: 888-535-6454
Access Code: 8123535

Web:

Please register here: AIG Webinar Training Event Pages

Webinars will begin at 1:00 pm CDT

 

July 23

 

Asset Protector

  • Learn how to turn illiquid death benefits into liquid pool of money
  • Revolutionizing the way YOU sell life insurance

July 30

 

Making the Sale: RetireStronger.com

  • Training Modules
  • Producer Video
  • Unique tools for BGAs and producers

August 13

 

Value+ IUL

  • New protection focused product
  • Innovative chronic illness rider with an inflation protection payout
  • Unique options to access cash without impacting death benefit

August 20

 

ML Strategic Balance Index

  • Exclusive AIG Index that offers Upside potential while smoothing out market volatility
  • Learn how it works
  • How to position for your clients

August 27

 

LTC, LBRs, CI, ABRs

  • Learn to understand the different types of long-term care riders and chronic illness accelerated benefit riders.
  • The chronic care/LTC landscape today
  • Long-term Care vs Chronic Care
  • Life Insurance solutions
  • The 3 types of chronic illness riders
  • The power of waiver of monthly deductions
  • Care coordination program

 


7/20/2015

Nationwide pulling Single Life Premium Universal Life as of 8/31/15
Single Premium Universal Life applications must be signed and received at Nationwide by August 31, 2015. SPUL contracts must be in forece and funded by October 30, 2015. Detailed transition rules will be available soon. If a long term care solution is needed, they may be interested in our recentoy re-priced Nationwide YourLife CareMatters with an attractive single premium option.

7/16/2015

Retirement Income Academy in July
There is still time to join our Retirement Income Academy training sessions in July. Designed to help you improve annuity sales. Details here.

7/15/2015

Avoid Using Windows10 and the Edge Browser with iPipeline

Important Note about iPipeline (forms, quote engine, iGO and eApps)
Windows 10 and the Edge browser are NOT yet certified on iPipeline. iPipeline users should avoid upgrading until the platforms have been certified. Use Internet Explorer 9, Firefox, Safari or Google Chrome as your browser. Also, enable pop-ups on your browser.


7/15/2015

New Laws for Producers Licensed in Louisiana, New Hampshire, South Dakota, and Washington

July 15, 2015 - From: Athene Annuity

New Laws for Producers Licensed in Louisiana, New Hampshire, South Dakota, and Washington - Read Full Alert Here.


7/14/2015

AIG Announces Annuity Rate Increases

AIG American Pathway® Immediate Annuity and American Pathway® Deferred Income Annuity rates will increase on Monday, July 20, 2015. View here.


7/14/2015

Washington State Compliance Alert Regarding Rebates

DATE: July 14, 2015
TO: All American Equity NMOs and Washington Agents
FROM: Dave Milligan, Assistant Vice President - Regulatory Compliance
RE: Washington Rebates
________________________________________
American Equity would like to keep you informed and aware of important regulatory and compliance issues. The state of Washington recently updated its laws regarding rebates, illegal inducements and payments for referrals.

A rebate is an inducement by a company or agent to a consumer to either entice the consumer to purchase a new insurance product or maintain an existing insurance product. A rebate must also provide valuable consideration. This means that whatever is offered to the consumer must be of such value as to create an incentive for the consumer to act. If the gift or item given is nominal then the giving of such an item is not a rebate. Washington has changed its limit on gifts considered nominal to $100 (total) in any 12 consecutive months.

Washington also states that such items given may be in the form of prizes, goods, gift cards, gift certificates or merchandise. However, the giving of money (cash, coins, checks, money orders, etc.) is never allowed.

Additionally, any such “gift” must be offered to consumers or existing clients with no tie-in or expectation of action on the consumer’s part. For example, you cannot give a customer a gift card to a restaurant with the condition of receiving an application or having a contract issued as a requirement for receiving the gift card.

Finally, the new law allows for agents to provide gifts, goods, gift cards, gift certificates or merchandise not exceeding $100 in value in any consecutive 12 month period for that individual providing references to the agent. There can be no condition of the referral leading to a meeting, application or issuance of a policy or contract - only that a referral be made. Again, the agent may not pay cash or cash equivalents for the referrals.

If you have any questions, please call our toll-free number at 888-221-1234 and ask for the Compliance Department.
Thank you for your business and support of American Equity.


7/14/2015

Florida: New Disclosure Requirements for Surrender of Life Insurance Policies or Annuity Contracts Effective July 1, 2015

American Equity would like to keep you informed and aware of important regulatory and compliance issues. The Governor of Florida recently signed into law HB1144, which requires agents doing business in Florida to provide certain information to the owner of a life insurance policy or annuity contract where the agent recommends the surrender of an existing policy or contract and the proceeds of the surrender are then used for any purpose other than the purchase of another life insurance policy or annuity contract. This information must be provided to the owner prior to the actual surrender taking place.

Effective July 1, 2015, certain information must be provided to the owner in writing and must include, but is not limited to, the following information:
• The amount of surrender chargers
• The loss of any minimum interest rate guarantees
• The possibility of any tax consequences resulting from the surrender
• The amount of any forfeited death benefit
• A description of the value of any other investment performance guarantees being forfeited

The agent must maintain a copy of the information provided, including the date the information was given to the owner. This information does not need to be submitted to the insurance carrier.

Surrender means the voluntary surrender of the life policy or annuity contract, before the maturity date, where the owner receives in whole or in part the cash surrender value of the existing contract. Remember that partial surrenders and withdrawals, including penalty-free withdrawals, are considered a surrender.

The intent of this new law is to ensure that agents are well aware of all details surrounding the surrender of the existing policy, plus that consumers receive basic information about the results and consequences of taking money out of existing life insurance or annuities and moving that money to other financial instruments, such as mutual funds, stocks, bonds, etc. Replacement requirements in Florida currently only cover situations where the surrender involves the moving of the existing policy or contract values to a new life insurance policy or annuity contract.

If you have any questions regarding this new law, please call our toll free number at 888-221-1234 and ask for the Compliance Department. Thank you for your business and support of American Equity.


7/10/2015

Broker World Features Article by Partners Advantage VP of Underwriting
As seen on pages 30 and 32 of the July issue of Broker World magazine. Partners Advantage VP of Underwriting Lisa "Lee" Morris discusses The Producer's Responsibility During the Life of the Contract.

7/10/2015

Life Insurance Awareness Month coming in September-Here is a video to show your clients
https://www.lifehappens.org/industry-resources/agent/awareness-campaigns/life-insurance-awareness-month/spokesperson/

7/9/2015

Zurich now has Accelerated Death Benefit Rider for Chronic Illness in New York
This high limit chronic illness rider will be included at no addtional premium cost on all eligible newly issued individual Zurich Value Index UL. To be eligible for this important benefit, at the time of policy issuance, the insured must be age 75 or younger and generally rated Table D or better

7/7/2015

NAIFA Urges "Take Action" on the Unworkable DOL Fiduciary Rule

Message from National Association of Insurance and Financial Advisors (NAIFA)

Take Action Now On The Unworkable DOL Fiduciary Rule

Act now! 

Action Is Urgently Needed:  The Department of Labor (DOL) needs to hear from you TODAY about your clients’ right to continue to work with you.  

The DOL recently proposed a controversial regulation that would dramatically expand who is considered a fiduciary when advising retirement savers.  The rule is complicated, confusing and will be costly to implement.  Most importantly, the rule, if enacted as written, will dramatically reduce access to education and professional advice, and will both increase costs to retirement savers and limit the choices in how they choose to pay for much needed retirement planning services. 

The regulation needs significant revisions. The DOL needs to know why.

If you currently help employers set up 401(k) kinds of plans, you will be prohibited from receiving any third party compensation if the new rule is enacted as written.

If you currently identify the investment option that meets a common portfolio model, you will be deemed an investment advice fiduciary, not just an advisor offering investment education, and will be subject to strict fiduciary obligations.

If you sell proprietary products to IRA account owners, you may fail to satisfy the “best interest” rules under the proposed regulation.

It is vitally important that the DOL hear from you NOW.  Our ability to successfully fix the rule depends on the volume of the “noise” your letters generate.

Please personalize the letter provided.  Add a paragraph that describes how you serve a specific client now and what the consequence would be to your client if this unworkable rule stands.

EXAMPLE:  Recently, I helped Jane decide what to do with her 401(k) account when she terminated employment.  The decision was made that rolling the assets into an Individual Retirement Account (IRA) was the best choice for Jane. I  helped Jane decide how to invest the IRA account to best meet Jane’s risk tolerance, financial situation, tax status, investment objectives, liquidity needs, and risk tolerance.  I received commissions from the purchase of mutual funds and an annuity.  Under the current rule, I would be prohibited from providing any of those services.  The likely result would be that Jane would instead just cash out her 401(k) and would suffer the tax and the early withdrawal penalty, a wrong decision but one likely if she hadn’t had access to my services.

Write to the DOL TODAY!  Tell them why those results are wrong for your clients.

Urge your friends and colleagues to make their voices heard. Remember to complete the Tell-a-Friend feature after you email the DOL!

 


7/1/2015

American General: Index Annuity Rates Are Changing Effective July 6, 2015. View new rates today.
     
 
Annuity rates are changing...


7/1/2015

Standard Insurance Company: FGA Rate Increase Effective July 01, 2015

 | View as a web page.

           
The Standard

Annuity Rates Effective July 01, 2015

Our rates are increasing on our Focused Growth Annuity 5, 6 and 7 effective July 01, 2015.  Our immediate annuity payouts are also increasing.  All other crediting and cap rates remain unchanged.

To ensure your clients receive our higher rates, please make sure your application is received in our home office on or after July 01, 2015.

IMPORTANT NOTE: : We have a better, easier way of providing you with access to our annuity illustration software. Simply click on the Get Illustration Software link on the right, and our Illustration Edge software will download to your desktop. This will help ensure you have both the correct version and correct update of our software.


6/30/2015

Equitrust: Commission Special! Rate Increase!
To view as a web page click here.
 
  Commission Special
and Rate Increase!

MarketValue Index
• 1% Commission Special!
• Rate Increase, All Accounts!
• NO-CAP Current Rate on 
  2-Year Avg Cap Account!
Rate Increase on
Fixed Annuities!

Certainty Select
ChoiceFour
Confidence Income



 
 All Increases in Effect Now

6/30/2015

Fidelity & Guaranty Life to Increases Vesting Premium Bonus and GMWB Rollup Rate
Not rendering correctly? View this email as a web page here.
FGL_Logo  
 
PRODUCT NEWS   /   ANNUITY PRODUCTS
FGL to Increase Vesting Premium Bonus and GMWB Rollup Rate
FGL Product News
Fidelity & Guaranty Life Raises Vesting Premium Bonus for Prosperity Elite 10 & 14 and Safe Income Plus and Increases the Guaranteed Minimum Withdrawal Benefit Roll-Up Rate for Safe Income Plus

For contracts issued July 7, 2015 and after Fidelity & Guaranty Life will increase the vesting premium bonus on the Prosperity Elite 10 and 14 fixed indexed annuity products and the Safe Income Plus FIA by 1%. We will also be raising the GMWB roll-up rate on Safe Income Plus by .25%.


6/29/2015

American Equity: MYGA Rate Increase Effective July 1, 2015

DATE:

June 29, 2015

TO:

American Equity NMOs and Agents

FROM:

Jessica Kilker - Vice President, Marketing Services

RE:

MYGA Rate Increase Effective July 1, 2015


Good News! Rate Increase on Guarantee Series!

American Equity is pleased to announce rates are increasing on the Guarantee Series effective July 1, 2015!

All contracts issued July 1, 2015 and after will receive the new rates as outlined below. There will be no rate adjustments made to previously issued contracts.

Guarantee Series (ICC13 MYGA*)

Current Rate

New Rate

Guarantee 5

2.25%

2.45%

Guarantee 6

2.45%

2.65%

Guarantee 7

2.70%

2.90%

Thank you for your continued business and support! Please call Marketing at 888-647-1371 if you have any questions.

 

 

*Form number and availability may vary by state.

 

Rate Change

06.29.15


6/25/2015

AIG: Income Annuity Rates Are Changing Effective June 29, 2015

If you are having trouble reading this email, read the online version.

 

Annuity rates are changing...

Click to view new rates
 
   
 
 
 
 

 


6/21/2015

AIG: Income Annuities are changing effective June 29, 2015. View rates today.

If you are having trouble reading this email, read the online version.

 

         
   

American Pathway ® Immediate Annuity and
American Pathway
®  Deferred Income Annuity rates will change Monday, June 29, 2015.

 

Need a quote?

Run American Pathway Immediate Annuity (SPIA) and American Pathway

Deferred Income Annuity (DIA) quotes at https://estationsecure.americangeneral.com.

For more information, email Internal.annuitysales@aglife.com

or call 888-438-6933 option #2.  

   

6/18/2015

American Equity: Compliance Memo - Telephone Solicitations
 

DATE:

June 18, 2015

TO:

All American Equity NMOs and Wisconsin Agents

FROM:

Dave Milligan, Assistant Vice President - Regulatory Compliance

RE:

Telephone Solicitations (WI ATCP Rule 127)


American Equity would like to keep you informed and aware of important regulatory and compliance issues. A recent law change eliminated Wisconsin's separate no-call list and requires telephone solicitors to use the Wisconsin portion of the National Do Not Call Registry

Effective immediately:

  • If you make telephone solicitations to non-existing customers, you must register with the SEC at www.donotcall.gov. There is a link at the bottom of the web page taking you to the registration portion of the site.
  • If you make telephone solicitations to existing customers and you utilize automatically dialed systems with pre-recorded messages for solicitation (so called "robo-calls") where the purpose of the call is to entice existing customers to purchase property, goods, or services, you must now obtain a written agreement containing the telephone number and signature of the customer to be called. The agreement and disclosures may be in electronic format such as email.
    • The agreement must state:
      • The customer is not required to sign the agreement as a condition of making a purchase; and
      • By signing the agreement, the customer authorizes telemarketing calls from that person.
  • Both direct phone solicitation and automatically dialed systems to non-existing customers require every phone number called to be compared against the National Do Not Call Registry.

For questions on determining if you need to register and utilize the National Do Not Call Registry, you should contact your personal legal advisor. For other advertising or compliance questions, please call our toll free number at 888-221-1234 and ask for Compliance.

Thank you for your business and support of American Equity!

 

Telephone Solicitations (WI ATCP Rule 127)

06/18/15

©2015 American Equity. For Agent Information Only. Not for use in soliciting or advertising to the public.

 

CLICK HERE TO OPT OUT OF THESE EMAILS, or call marketing at 888-647-1371, or fax us at 515-225-6314. American Equity's failure to comply with your opt out request within 30 days is unlawful.


6/17/2015

Voya Update - Voya Retire Ready™ Index paid post on The New York Times

Life Companies'
Created by the Voya® family of companies | web version | forward | log in
Voya Life Update
 
Voya Retire Ready Index™ paid post on The New York Times Adv Sales Book
The Voya Retire Ready Index™ was developed to provide a measurable assessment of how working Americans are preparing for their future retirement, and how recent retirees are experiencing their retirement years. Read our paid post on The New York Times website
   

6/17/2015

Mutual of Omaha making positive changes to NON-MED products
1.  Effective July 1, 2015, the maximum face amounts for Guaranteed Universal Life Express will be raised to 300,000 for ages 18-50(51-65 will still be 250,000)
2.  Effective July 1,2015, a new 10-year term will be added to the Term Life Express. The maximum face amount is 300,000(18-50) and 250,000(51-65)
 

6/16/2015

American Equity: Bonus Gold Discontinued in Pennsylvania
 

DATE:

May 19, 2015

TO:

All NMOs and PA Agents

FROM:

Jessica Kilker, Vice President — Marketing Services

RE:

Bonus Gold Discontinued in PA


IMPORTANT INFORMATION — PLEASE READ CAREFULLY

**Bonus Gold Sales Suspended in Pennsylvania**

As required by the state of Pennsylvania, sales for the Bonus Gold (INDEX-1-07-PA) will be suspended effective July 1, 2015. Any Bonus Gold applications received in our office after 4:45 p.m. CST on June 30, 2015 will not be accepted. No exceptions. Pending business will be issued as funds are received.

American Equity is committed to providing you with competitive products. The Foundation Gold (ICC11 IDX3) is a great product replacement for the Bonus Gold and includes:

  • 7% premium bonus on all first year premiums
  • 10 year surrender charge and bonus vesting schedules
  • 9 indexed and 1 fixed interest crediting option available
  • 5% penalty-free withdrawal annually, cumulative up to 10%
  • Industry-leading Guaranteed Lifetime Income Benefit Rider

CLICK HERE for the Foundation Gold brochure.

American Equity still offers a variety of other products for Pennsylvania, including:

  • Traditions Gold (ICC11 IDX4)
  • Choice Series (ICC14 IDX8)
  • Benefit Gold (ICC13 IDX7)
  • Guarantee Series (ICC13 MYGA)
  • SPIA-1

**Product Training is required before writing an annuity application**

Thank you for your business. If you have any questions, please call the Marketing Department at 888-647-1371.

 

PA Product Changes

5/19/2015

©2015 American Equity. For Agent Information Only. Not for use in soliciting or advertising to the public.

 

CLICK HERE TO OPT OUT OF THESE EMAILS, or call marketing at 888-647-1371, or fax us at 515-225-6314. American Equity's failure to comply with your opt out request within 30 days is unlawful.


6/15/2015

LIVE with AXA Advanced Markets - BrightLife Protect Survivorship Sales
You can register for an online event at
https://www.livemeeting.com/lrs/8003583432/Registration.aspx?PageName=hhn5dg3kbwpx1dqz


Event title: LIVE with AXA Advanced Markets - BrightLife Protect Survivorship Sales Ideas

Event description:
AXA's NEW BrightLife Protect Survivorship product - The Survivorship landscape is changing and AXA's new product can potentially help meet your client's needs which are now more closely focused on leaving a legacy and cash accumulation.

Join us on June 19th at 12:30PM EST as we explore sales ideas you can use;

• Maximizing social security payments for legacy planning
• Using survivorship insurance in a buy/sell arrangement
• Legacy planning - giving the very best in life
• Using survivorship insurance to equalize an inheritance

6/12/2015

American General Overhauls Underwriting (FOR THE BETTER)
1. Now many permanent plans up to table C will be STANDARD.
2. Lab Scoring are now used to give customers credits or better -class offers.
3. Inspection Reports only are needed when case exceeds 10 million.
4. Tax Transcripts are only needed when case exceeds 5 million.

6/12/2015

Fidelity & Guaranty Life: FGL Discontinues Sales of Two Annuities
Fidelity & Guaranty Life Insurance Company Discontinues Sales of FG Guarantee-Plus Series and Simplicity Elite Series – July 17, 2015
 
At Fidelity & Guaranty Life we take great pride in providing you with competitive life insurance & annuity products.  However, we will be discontinuing new business sales of FG Guarantee-Plus 5 and 7 and Simplicity Elite 7, 10 and 14 traditional fixed deferred annuities effective July 17, 2015.
 

6/10/2015

Voya Update - Voya Financial Joins Fortune 500

Life Companies'
Created by the Voya® family of companies | web version | forward | log in
Voya Life Update
 
Voya Financial Joins Fortune 500 Adv Sales Book
Voya Financial's appearance on the 2015 Fortune 500 at No. 268 marks the company's entrance to the list, which is Fortune magazine's annual ranking of America's largest companies by revenue. Voya Financial is the second-highest ranked new entrant to the Fortune 500. Read more >> 
 


6/8/2015

RATE & BONUS INCREASE - Great American Effective 6/7

fixed-indexed annuity rate increases effective 6/7!

I am sure almost everyone has been following the 10-year and over the past couple of weeks it has been trending upward affording us the opportunity to increase our rates.  Please see here for SP Par Rate Flyer & Rate Sheet

  • 50% participation rate on the high band of the Custom10! (See attached par rate flier)
  • Legend III annual point-to-point S&P - 5% cap
  • 4% bonus on the Valor 10
  • Caps as high as 6.25%!
  • Increases to the traditional fixed contracts (Effective 6/8)

6/3/2015

Assurity: Whole Life builds cash value and financial security for your clients!
 

 

Whole Life builds cash value 
and financial security for your clients!

Participating Whole Life from Assurity provides your clients a solid financial foundation!
    • Growth of values with the Value Enhancement Rider
    • Guarantees for safety
    • Income tax-free cash for retirement
    • Access to the cash values through policy loans and withdrawals

Join us for a quick and informative webinar on 
LifeScape® Participating Whole Life and how to present it to your clients!

Whole Life is an important piece of a well-designed financial plan!

Friday, June 12
10:00 a.m. - 10:30 a.m. 
Pacific Standard Time

Click Here to register

 


6/2/2015

Genworth: Genworth's LTC Rider Available in California June 1st

Just a reminder that the Long Term Rider launched in CA on Monday, June 1st!

The rider can be attached to either Asset Builder II or Foundation Builder Index UL policies.

The sales opportunity is making the full face amount available for LTC claims on a dollar-for-dollar basis. The death benefit can be accelerated over 24, 36, or 48 months.

Lastly, the LTC benefits are identical to those in Genworth TLC and LTC products.

Please review the bulletin and product guide and call if you have questions.


6/1/2015

Equitrust: Training Required, All Agents/All States
 
Product Training Required BEFORE Annuity Solicitation

New Simplified Login for Training –
No Password Required!


EquiTrust Life requires ALL producers (regardless of state) to complete EquiTrust Product Training before soliciting annuity business.

Applications received without completed training will not be accepted.

EquiTrust Product Training takes about forty-five minutes to complete, and is available online, at Agents.EquiTrust.com.

To complete your EquiTrust Life Product Training, go to the Agent Website: Agents.EquiTrust.com. Click on the Required Training Link. Then select Click Here to Begin EquiTrust Product Training; you will be linked to SuccessCE - our training site hosted by an external training vendor.

• As a currently contracted agent, you'll need your agent code, birth date and
   last four digits of your SS# or Tax ID#
• Agents not yet contracted need only their birth date and last four digits of their
   SS# or Tax ID#

You can also see your training history at the Required Training link (login required).


Reminder: States that have adopted the NAIC Annuity Suitability regulation require annuity-specific Continuing Education in addition to carrier-specific product training. To see if your state requires annuity-specific Continuing Education, please check our website.

Questions? Send an email to EquiTrust Sales Support,
call 866-598-3694, or visit our website
Agents.EquiTrust.com

EquiTrust Life Insurance Company, West Des Moines, IA. For Producer Use Only. IC13-ECN-1063

6/1/2015

Voya: Ever hear this objection, “Buy Term/ Invest the Difference???
Voya
The Blitz
15-minute sales ideas 
used by successful agents


June 1 & 2

Buy Term & invest the Difference: Dispelling the Myth

Client Profile: 25-50, considering cash value life insurance, has objections
  • Why it never works as planned
  • How to overcome the #1 objection
  • Compare the different alternatives
  • Illustrate the impact of taxes on retirement
  • Comprehensive software output

OVERCOME THIS COMMON OBJECTION BY USING VOYA’S TOOLS!



Mondays & Tuesdays at 1pm Central

Call in: (866)766-0980
Participant code: 6635054
Join LiveMeeting


June
1& 2
"Buy Term and invest the Difference"- Dispelling the Myth
June.
8 & 9
Variable Universal Life Insurance
June 
15 & 16
Legacy Maximization Using Life Insurance
June
22 & 23
Premium Financed "Retirement Extra"
June
29 & 30
Tax Diversification: a Simple Sales Process that WORKS
July
6 & 7
Pull Back the Curtain on Index Rates
July 
13 & 14
"Orange Pass" underwriting
July
20 & 21
Retirement Extra on a Budget
July
27 & 28
Bells & Whistles, Add-ons to make your sales sizzle!



Yes, I will attend




 
Life insurance products are issued by ReliaStar Life Insurance Company (Minneapolis, MN), ReliaStar Life Insurance Company of New York (Woodbury, NY), Security Life of Denver Insurance Company (Denver, CO) and Voya Insurance and Annuity Company (Des Moines, IA). Within the state of New York, only ReliaStar Life Insurance. Company of New York is admitted, and its products issued. All are members of the Voya™ family of companies. 

For agent/registered representative use only. Not for public distribution.
© 2015 Voya Services Company. All rights reserved.
CN-0415-13418-0517
Unsubscribe or modify your subscription preferences
Voya Financial
20 Washington Ave S
Minneapolis, MN 55401

5/27/2015

American Equity - Rate Change Effective June 5. 2015

Rate Adjustments Effective June 5, 2015

American Equity's Choice Series rates will change on June 5, 2015. We are happy to announce that rates are increasing on the Fixed Interest Value. In addition, the Asset Fee on the Volatility Control Index is decreasing. However, it was necessary to reduce the Participation Rate on the Choice 10 Annual Point to Point only. Please see the grids below for new crediting rates.

To receive the current rate on the Choice 10 Annual Point to Point with Participation Rate, original applications along with cash or 1035/Direct Transfer paperwork must be received in our office by 4:45PM CT on Thursday, June 4, 2015. Transfer funds must be received in our office by 4:45PM CT on Thursday, July 2, 2015. Transfer funds received after Thursday, July 2, 2015 will receive the new rates indicated below. NO EXCEPTIONS!

Choice 10 (ICC14 IDX8-10)*

CURRENT RATES

NEW RATES

INTEREST CREDITING METHODS

Fixed Value

1.95%

2.25%

Annual PTP - cap

5.00%

NO CHANGE

Annual PTP - PR

50%

45%

Monthly PTP - cap

2.00%

NO CHANGE

Volatility Control Index w/Asset Fee

1.25%

1.00%

 

Choice 8 (ICC14 IDX8-8)*

CURRENT RATES

NEW RATES

INTEREST CREDITING METHODS

Fixed Value

1.75%

2.05%

Annual PTP - cap

4.75%

NO CHANGE

Annual PTP - PR

40%

NO CHANGE

Monthly PTP - cap

1.90%

NO CHANGE

Volatility Control Index w/Asset Fee

1.50%

1.25%

 

Choice 6 (ICC14 IDX8-6)*

CURRENT RATES

NEW RATES

INTEREST CREDITING METHODS

Fixed Value

1.60%

1.90%

Annual PTP - cap

4.50%

NO CHANGE

Annual PTP - PR

35%

NO CHANGE

Monthly PTP - cap

1.80%

NO CHANGE

Volatility Control Index w/Asset Fee

1.75%

1.50%

 

*May vary by state. 


5/27/2015

ApplyNOW from Allianz Speeds Up Your FIA Applications
Speed up your FIA Applications with ApplyNOW. Learn more here or contact the Partners Advantage Annuity Team at 888-251-5525, Ext. 709.

5/26/2015

North American: Reserve your spot for Rapid Builder IUL training TODAY!
Rapid Builder IUL Live Web Training
Choose from three available times! 
 

5/26/2015

Nationwide: No-Lapse Guarantee UL – Still very competitive
 

At Nationwide, we carefully manage our product portfolio to keep it competitive, safe - and available. Take a look at how our NLG-UL pricing stacks up - even with our April 2015 reprice.

 
 View this email as a webpage

5/22/2015

Transamerica: Join our June 2nd Webinar to Grow your Business in the Foreign National Market

The current tax environment in Washington DC, recent changes to tax laws in Mexico and other Latin American countries, and the growing significance of FATCA, along with growing foreign investment in the U.S. are combining to create exciting life insurance sales opportunities for savvy insurance professionals.

During this webinar, you will learn:

  • What the most significant tax issues are for foreign nationals with U.S. Assets;
  • What you absolutely MUST know to operate successfully in this market;
  • Why not only wealthy, but also middle-market foreign nationals make excellent life sales prospects; and
  • Where to get the resources you need to bring your foreign national cases to fruition!
Take advantage of this great opportunity and register today to find out how you may be able to increase sales by furthering your understanding of the Foreign Nationals Market with Transamerica. 

CLICK HERE TO REGISTER:
 

5/21/2015

Learn about ways to address medical impairments - May 29
Join in the Coffee and Conversations with Underwriting session on this important topic. Learn more and register here.

5/20/2015

North American|Annuity: Don’t miss the Bill Harris Web Event!


 Wednesday
 
May 27, 2015

4:00 p.m. (Eastern)
3:00 p.m. (Central)
2:00 p.m. (Mountain)
1:00 p.m. (Pacific)

Guest Speaker

Bill Harris

 

Hosted By

Gayle Allen
Sales Vice President


 


You're Invited to
Ignite Annuity Confidence 

5 Common Myths About Annuities

North American and industry icon Bill Harris have partnered together to help give your business an instant boost. By fueling you with new product solutions as well as time-tested sales ideas you can Ignite YOUR Annuity Confidence!

Top Three Reasons to Attend:

1.    Prospecting ideas from industry icon Bill Harris!

2.    NEW Sales tools available to exclusively web event attendees!

3.    NEW and Enhanced Products Solutions!

 

LIMITED PARTICIPATION AVAILABLE
Click Here to Register Now!

 

5/15/2015

North American|Annuity: Your NAC BenefitSolutions Questions Answered!


You're Invited 
Your NAC BenefitSolutions Questions Answered!

North American is making waves in the industry with our NEW NAC BenefitSolutionsSM Fixed Index Annuity.  Join us for a special opportunity where we answer the most popular questions about this innovative fixed index annuity series. Some questions that we will discuss are:

1. Where does this product fit versus NAC RetireChoice® and NAC IncomeChoiceSM Fixed Index Annuities?

2. Can the client still receive Benefit Base Increases after Lifetime Payment Amounts (LPAs) have started?

3. If the client is confined to a nursing home, what are their options for LPAs or full liquidity?

LIMITED PARTICIPATION AVAILABLE
Click here to read more


5/15/2015

AIG: 2015 May and June Webinar Training

2015 Event Calendar

May and June

Join us for a series of webinars on a broad range of topics, including the ML Strategic Balance Index, Value+ IUL, and various chronic illness riders.

 

Webinars will begin at 1:00 pm CDT

 

May 14

 

ML Strategic Balanced Index™

  • Exclusive AIG Index that offers upside potential while smoothing out market volatility
  • Learn how it works
  • How to position for your clients
     

May 21

 

Accelerated Access Solution

  • Benefits
  • Specs
  • How it works
     

May 28

 

Value+ IUL

  • New protection focused product
  • Innovative chronic illness rider and inflation protection payout
  • Unique options to access cash without impacting death benefit
     

June 4

 

ML Strategic Balanced Index™

  • Exclusive AIG Index that offers upside potential while smoothing out market volatility
  • Learn how it works
  • How to position for your clients
     

June 11

 

AG Select-a-Term

  • More than just a great price
  • Rapid Rater
  • Sales Concepts
     

June 18

 

LTC, LBRs, CI, ABRs

   
  • Learn to understand the different types of long-term care rider and chronic illness accelerated benefit riders.
  • The chronic care/LTC landscape today
  • Long-term care vs Chronic care
  • Life insurance solutions
  • The 3 types of chronic illness riders
   
 
 

Audio:

Toll-Free: 888-535-6454
Access Code: 8123535

 

Web:

Please register here: AIG Webinar Training Event Pages

 
 

5/14/2015

Voya Update - New Start Selling Flyer
Voya Life Update
 
New! Start Selling Voya IUL-Global Choice - Leveraged Executive Bonus Flyer

This new producer flyer explains the value of using premium finance in an executive bonus scenario to provide more death benefit coverage and potential retirement income than the bonus alone used as a premium payment would provide.
 

5/13/2015

Transamerica: TransWeekly - May 13, 2015

 

MAY 13, 2015 ISSUE: 

•  VIDEO 2: Spreadsheeting is Dead! 
•  What to Do When Resident and Signature States Differ
•  Changes to Check Guidelines - Consider EFT
•  New Customization Option on TransACT®
•  Toss Out Your Old Forms to Speed Processing
•  Memorial Day Holiday Closure
icon_share_2_20pxGeneral agents: This symbol indicates information that may be of interest to your producers.
 

5/13/2015

Zurich lowers term limits to 2 million(from 2.5 million)
Zurich now offers minimum of 2 million on 10, 15, and 20 year term. Any questions, please dial x704 for marketing help.

5/12/2015

Legal & General America: Winflex Web and Winflex Desktop No Longer Supported by LGA

WINFLEX WEB AND WINFLEX DESKTOP WILL NO LONGER BE SUPPORTED BY LGA, EFFECTIVE TOMORROW, MAY 13.

 

  • Users will no longer see Banner and William Penn as a carrier option.
  • LGA illustration software, Illustration Manager, can be downloaded from our website after logging in. Illustration Manager can be found under the "Download Software' tab in the 'Illustrations' section. 
  • There are no changes to Illustration Manger or any other third party vendor. 

To read the original announcement, click here

 

15-062E
 
Click here to see more.

5/12/2015

Foresters: Register Now

May training - at a glance

Want to dig deep on a Foresters product or service and get a chance to ask questions live? Sign up for a webinar.



May 20   PlanRight Q&A
12:00 - 1:00 PM ET

Advantage Plus Participating Whole Life Q&A
1:30 - 2:30 PM ET


May 21   SMART Universal Life Q&A
12:00 - 1:00 PM ET

Lifefirst Term Life Q&A
1:30 - 2:30 PM ET

Prepared Accidental Death Term Life Q&A
3:00 - 4:00 PM ET


May 22   Your Legacy Single Premium Whole Life Q&A
12:00 - 1:00 PM ET


 

5/11/2015

Linked Benefit Products Sales Opportunities - May 12 webinar
Join us for an informational webinar on May 12 at 9 a.m. Pacific/12 p.m. Eastern. Register here to learn more about Linked Benefit products and the sales opportunities. 

5/11/2015

Lincoln Financial Group: Lincoln WealthAdvantage SM Indexed UL

KEY HEADLINES

Volume 13, Issue 07

  • Introducing! Lincoln WealthAdvantageSM Indexed UL – The IUL you can plan on!

  • Lincoln Variable Universal Life – Upcoming Fund Additions and Changes

  • Form Updates

    Click here to learn more.


5/5/2015

Transamerica withdrawing up to 10 products from their portfolio
Transamerica(including Trans Family) will no longer sell the following products after June 6, 2015.
1. TransProtector
2. TransSecure II
3. TransSecure II NY
4. TransUltra Select SP 2006
5. TransUltra SP 2006
6. Trans Ultra SP NY
7. Trans Ulta Plus 2006
8. ROP Rider on Trendsetter Super 20
9. ROP Rider on Trendsetter Super 30
10. Inherent ROP for Trendsetter Super 20 in Florida
11. Inherent ROP for Trendsetter Super 30 in Florida
 
All of these products consisted of only 2% of their sales.

4/29/2015

Mutual of Omaha-Term Life Express-Big Changes coming May 1, 2015
1. Reducing face amount from 400,000 to 300,000(ages 18-50) and 250,000 ( ages 51-65)
2. No more oral fluid requirement

4/28/2015

Zurich Survivor Index UL approved in New York
Diversity-unique opportunities through various domestic and global indexes
Optional Lapse protection period extension riders(available at an additional cost) guaranteed on the younger insured to age 80 or 90
Optional Joint first to die rider(available at an additional cost)-fixed death benefit upon the first death of either insured within the first twenty years of the original policy date

4/23/2015

NAIFA President Juli McNeely Provided These Insights on the Proposed DOL Rule that Could Impact Your Business
Have you been following this important topic that could impact your business. Check in with NAIFA or NAFA to learn how you can get active and have your voice be heard! The Obama administration is preparing to re-propose a Department of Labor rule to redefine which financial advisors must act as fiduciaries when providing advice to retirement investors. While the proposal is not yet public, all indications are that it will be hostile to many NAIFA members and the middle-class clients they serve. Continue reading here>>>

4/22/2015

Transamerica: You're Invited! Maximize The Value of Your Next Life Insurance Sales

To view this email as a web page, click here.

Add us to your contact list to ensure delivery of our emails. Here's how.

TA Pyramid You're
Invited
   
Register Now!
Maximize the Value of Your Next Sale
with Life Insurance Solutions
from Transamerica
LIVE Webinar:
April 30, 2015 11:00 AM (Central)
  The need to help clients protect themselves against the potential financial pitfalls from chronic illnesses is crucial. Statistic show:
  • Nearly 50% of adult Americans live with at least one chronic illness.1

  • Nearly 25% of people in their 40s have at least one chronic illness.2

  • 70% of those over 65 will need long term care.3
Transamerica has a portfolio of products to help clients protect against the financial costs of a qualifying chronic illness, including term life insurance with living benefits and index universal life insurance with a long term care rider.

Join us to hear about today's landscape of long term care and hybrid life insurance options that can help offset financial costs from chronic illness. CLICK HERE TO REGISTER:


April 30, 2015
11:00 AM (Central)
Webinar Password:
Transamerica
Audio Dial in: (800) 683-4564
Access Code: 900420


Register today!

 

 
For producer use only. Not for distribution to the public.
TFM 372 0415
Transamerica Logo
 
1 Center for Disease Control and Prevention. Retrieved from
http://www.cdc.gov/chronicdisease/resources/publications/aag/chronic.htm
2 Saad, Lydia, Gallup. Chronic Illness Rates Swell in Middle Age, Taper Off after 75. April 29, 2011.
3 Dugas, Christine. Long-Term Care: Investigate Your Options Early. USA Today. May 29, 2013. Retrieved from
http://www.cnbc.com/id/l00772625

This email was sent by: Transamerica
4333 Edgewood Road, NE Cedar Rapids, IA, 52499, UNITED STATES
Email Preferences | Unsubscribe


4/22/2015

Riverside, CA Workshop with Anthony Morris on May 15

If you are looking for WHAT TO SAY to clients and WHAT TO SEND and SHOW TO prospects to motivate them to want to meet with you, join us to learn practical step-by-step, plug-and-play referral strategies, unique and intriguing marketing approaches, and strategic alliance techniques. It's all here in one package - instructions included!

Friday, May 15 - 9 a.m. - Noon
Riverside, CA - Hampton Inn

Seating is Limited - Learn More and Register HERE.

 

4/21/2015

Athene Choice Series Sales to End May 15 in 33 States
View this e-mail online.
About Us | Interest Rates | Products | Doing Business with Us | Contact Us

Sales of ATHENE Choice Series products will end May 15 in 33 states

On May 15, 2015, we will discontinue all sales of the ATHENE Choice Series fixed index annuities and income riders in the following states: AL, AZ, AR, CO, DC, FL, GA, ID, IN, IA, KS, ME, MA, MI, MS, MO, MT, NE, NV, NH, NM, NC, ND, OH, RI, SC, SD, TN, VT, VA, WI, WV, WY.

Products and riders to be sunset include:

Athene Enhanced Choice 8
Athene Choice 10 
Athene Enhanced Choice 12 
Guaranteed Lifetime Withdrawal Benefit rider 
Enhanced Guaranteed Lifetime Withdrawal Benefit rider

Choice Series Application deadlines

  • Applications with cash that are received in good order in our service center by May 15, 2015 will be issued as applied for.
  • Non-cash applications (e.g. 1035 exchanges, IRA rollovers) that are received in good order in our service center by May 15, 2015 will be issued as applied for, provided funds are received no later than June 26, 2015.
  • Faxed applications will not be accepted.

Applications may be submitted by overnight mail to the following address:

Athene Annuity & Life Assurance Company
6425 Powers Ferry Road, Suite 300
Atlanta, GA 30339
 

4/20/2015

Banner now has Child Rider
Banner has added the child rider to their term policies as of April 20, 2015. You can write in all states except New York and Montana.

4/16/2015

Don't Miss the Wayne Cotton Online Marketing Workshop on April 21 and 22
 

Do Your Marketing Methods fall short? The Precision Marketing ApproachTM can help you increase your income growth in 2015. Learn how you can generate more sales activity by targeting prospective clients that can increase your client base. Attend a valuable online workshop conducted by Wayne Cotton, CLU. Learn more and register here.

 

4/14/2015

Smart Ticket is a go at Partners Advantage-the ONE minute life application
Yes, it is true. You can do a one minute life application with Partners Adavantage. Go watch the presentation under Training, then go under Training Library. Any questions, please call your marketer.

4/14/2015

North American|Annuity: NEW Product Launching Tomorrow: NAC BenefitSolutions II
NA - North American Company
FIELD MEMO  
     
 

Date: April 13, 2015

To: North American Company for Life and Health Insurance® Annuity Agents

NEW! NAC BenefitSolutionsSM II Available April 14, 2015
(Available in AK, MN, MO, OR, PA, UT, VA, WA)

We’re excited about the launch of our new, revolutionary NAC BenefitSolutions II Fixed Index Annuity! Competitive, new features include:

  • 20% Benefit Base Bonus1 Day One
  • Lifetime Income Available Immediately2
  • Enhanced Death Benefit Feature3

It's Easy to Tell the NAC BenefitSolutions II Story with the
Guaranteed Benefits Statement!
Simple ONE PAGE sales tool to help showcase the NAC BenefitSolutions II features, included with all illustrations, and provided every contract anniversary until Lifetime Payments begin.

Microsite
Visit our NAC BenefitSolutions Microsite tomorrow for marketing materials, calculator, illustration tools and more!

Product Training
As with all new product releases, product training is required prior to solicitation and can be found online at www.NorthAmericanCompany.com by visiting My Annuities and the Agent Certification link under the Training Center section. (Note: If you have already completed the NAC BenefitSolutions training, no additional training is required.)

Kick-Off Web Events
1:00 p.m. (Pacific), 2:00 p.m. (Mountain), 3:00 p.m. (Central), 4:00 p.m. (Eastern)

Sales materials will be available on our website or through our regular supply order process tomorrow. Click here for the current interest rate sheet.

For more information on this exciting new product, please contact our Sales Support team at 866-322-7066.

Todd Kloewer
Todd Kloewer
Vice President, Annuity Sales

 
 

FOR AGENT USE ONLY. NOT TO BE USED FOR CONSUMER SOLICITATION PURPOSES.

This product is issued by North American Company for Life and Health Insurance®. The NAC BenefitSolutionsSM II is issued on form ICC14-NA1006A (contract), ICC14-AE560A.NX, ICC14-AE561A, ICC14-AE563A, ICC14-AE564A, ICC14-AE565A, ICC14-AE567A, ICC14-AE574A, ICC12-AE539A and ICC12-AE540A (riders/endorsements). The NAC BenefitSolutionsSM is issued on form NC/NA1006A (certificate/contract), AE560A, AE561A, AE563A, AE564A, AE565A, AE567A, LR427A, and LR433A (riders/ endorsements) or appropriate state variation.

1. This amount is only applied to the Benefit Base, which is a value used only for determining Lifetime Payment Amounts (LPA) and/or the rider death benefit features. Benefit Base is not the same as the Contract Accumulation Value and may not be used for partial withdrawals, full surrender or as the base contract death benefit.
2. "Lifetime income” refers to guaranteed payment of Lifetime Payment Amounts (“LPAs”) as defined in the Benefits Rider included in this contract. It does not refer to interest credited to the contract. Advise clients to consult with their own tax advisor regarding tax treatment of LPAs, which will vary according to individual circumstances.
3. Rider Death Benefit includes option for payments over 5 years based on Benefit Base subject to Death Benefit Maximum and 2-yr waiting period. Additional death benefit and other features are explained in the NAC BenefitSolutions II brochure and disclosure.

21674Z-HTML PRT 4-15

 
 
North American cares about your privacy. You may view our complete privacy notice at our website, www.northamericancompany.com.
 
To stop receiving any further e-mail communications from North American, including rate announcements, regulatory, product and other important messages, you may unsubscribe here. To begin receiving e-mail messages, please contact Sales Support at 866-322-7066.
 
North American Annuity Service Center
4350 Westown Parkway | West Des Moines, IA 50266

4/14/2015

North American|Annuity: NEW Product Launching Tomorrow: NAC BenefitSolutions II
NA - North American Company
FIELD MEMO  
     
 

Date: April 13, 2015

To: North American Company for Life and Health Insurance® Annuity Agents

NEW! NAC BenefitSolutionsSM II Available April 14, 2015
(Available in AK, MN, MO, OR, PA, UT, VA, WA)

We’re excited about the launch of our new, revolutionary NAC BenefitSolutions II Fixed Index Annuity! Competitive, new features include:

  • 20% Benefit Base Bonus1 Day One
  • Lifetime Income Available Immediately2
  • Enhanced Death Benefit Feature3

It's Easy to Tell the NAC BenefitSolutions II Story with the
Guaranteed Benefits Statement!
Simple ONE PAGE sales tool to help showcase the NAC BenefitSolutions II features, included with all illustrations, and provided every contract anniversary until Lifetime Payments begin.

Microsite
Visit our NAC BenefitSolutions Microsite tomorrow for marketing materials, calculator, illustration tools and more!

Product Training
As with all new product releases, product training is required prior to solicitation and can be found online at www.NorthAmericanCompany.com by visiting My Annuities and the Agent Certification link under the Training Center section. (Note: If you have already completed the NAC BenefitSolutions training, no additional training is required.)

Kick-Off Web Events
1:00 p.m. (Pacific), 2:00 p.m. (Mountain), 3:00 p.m. (Central), 4:00 p.m. (Eastern)

Sales materials will be available on our website or through our regular supply order process tomorrow. Click here for the current interest rate sheet.

For more information on this exciting new product, please contact our Sales Support team at 866-322-7066.

Todd Kloewer
Todd Kloewer
Vice President, Annuity Sales

 
 

FOR AGENT USE ONLY. NOT TO BE USED FOR CONSUMER SOLICITATION PURPOSES.

This product is issued by North American Company for Life and Health Insurance®. The NAC BenefitSolutionsSM II is issued on form ICC14-NA1006A (contract), ICC14-AE560A.NX, ICC14-AE561A, ICC14-AE563A, ICC14-AE564A, ICC14-AE565A, ICC14-AE567A, ICC14-AE574A, ICC12-AE539A and ICC12-AE540A (riders/endorsements). The NAC BenefitSolutionsSM is issued on form NC/NA1006A (certificate/contract), AE560A, AE561A, AE563A, AE564A, AE565A, AE567A, LR427A, and LR433A (riders/ endorsements) or appropriate state variation.

1. This amount is only applied to the Benefit Base, which is a value used only for determining Lifetime Payment Amounts (LPA) and/or the rider death benefit features. Benefit Base is not the same as the Contract Accumulation Value and may not be used for partial withdrawals, full surrender or as the base contract death benefit.
2. "Lifetime income” refers to guaranteed payment of Lifetime Payment Amounts (“LPAs”) as defined in the Benefits Rider included in this contract. It does not refer to interest credited to the contract. Advise clients to consult with their own tax advisor regarding tax treatment of LPAs, which will vary according to individual circumstances.
3. Rider Death Benefit includes option for payments over 5 years based on Benefit Base subject to Death Benefit Maximum and 2-yr waiting period. Additional death benefit and other features are explained in the NAC BenefitSolutions II brochure and disclosure.

21674Z-HTML PRT 4-15

 
 
North American cares about your privacy. You may view our complete privacy notice at our website, www.northamericancompany.com.
 
To stop receiving any further e-mail communications from North American, including rate announcements, regulatory, product and other important messages, you may unsubscribe here. To begin receiving e-mail messages, please contact Sales Support at 866-322-7066.
 
North American Annuity Service Center
4350 Westown Parkway | West Des Moines, IA 50266

4/14/2015

Register now for NAFA's April 30 webcast: Source of Funds

National Association for Fixed Annuities

 

This critical question is at the heart of the ongoing Source of Funds matter, one of the most widely miscommunicated issues in our industry. Given the current legal and administrative landscape, it's imperative that IMOs, advisors and other industry professionals have up-to-date information about the issue and the concerns tied to it. That's why you won't want to miss your chance to register for our April webcast.


Can't see the button? Register Now.

Join Cailie A. Currin, Esq., President & CEO of Currin Compliance Services, Pam Heinrich, General Legal Counsel for NAFA and John L. Olsen, CLU, ChFC, AEP of Olsen Financial Group for a lively discussion on:

  • Recent administrative actions surrounding the issue
  • Compliance with suitability
  • Considerations for steering clear of the Source of Funds shoals
  • And much more!

Register to attend the April 30th webcast now!


Looking for someone in your corner? NAFA, the National Association for Fixed Annuities makes issues that affect fixed annuities a priority EVERY DAY!

This educational webcast is presented by NAFA's Education Committee.

 

 

For agent use only. Not for use with consumers.


4/13/2015

John Hancock Vitality Rider can LOWER rates in future years! Really, see below
Please call your marketer for full details. Members start with an online Vitality health review. This will identify risk factors and provides them with a Vitality Age. The program then rewards them for living well and making healthy improvements to their lifestyle. Members(policy holders) receive points, increases their Vitatliy status, which can translate into premium savings along with other great rewards and discounts.

4/13/2015

John Hancock introduces Protection UL 15(replaces Protection UL 13)
Applications for Protection UL 13 will be accepted until May 15, 2015. Policies must be issued by July 10, 2015.

4/9/2015

Alphabet soup acronyms? We can help!
VIEW A WEB VERSION OF THIS EMAIL.

 

 

April 9, 2015

 

Visit eStation

 

LTC, CI, ABRs - need help with this alphabet soup?

We can help!  Attend a live training session via webinar that provides a clear explanation of the differences between chronic illness accelerated benefit riders and long–term care riders. For your convenience, choose from any of these three sessions.

 

Do your clients have enough?

The right amount of coverage can help protect your clients from the risk of financial disruption. With 17 different durations to choose from, AG Select-a-Term® is flexible enough to match your client's situation and economical because your clients don't pay for life insurance they don't need. Learn more.



Triggers for critical illness insurance

Many of the same events that trigger a life insurance need can also be triggers for critical illness insurance - getting married, having a baby, buying a house, etc. A critical illness diagnosis happens more often than you may think. Help prepare clients from the potentially high costs of care related to a critical illness diagnosis with CriticalCare Plus®.



Accelerated Access Solution® (AAS) now available in Connecticut!

Unique client benefits, a competitive price tag and the same level of commission as a base life policy are just a few of the advantages of our chronic illness rider, Accelerated Access Solution. As of March 30, 2015, it's available in all states except California and New York. Find the full list of reasons to sell this rider, as well as producer and consumer resources here. To view the state availability map for the AAS as well as the Lifestyle Income SolutionSM and the AG Asset Protector®  rider bundle, please click here.



Are they just assuming? Can they afford their current lifestyle on a reduced income?

 

Complete a family life insurance needs analysis in just five minutes. Click here for our updated Life insurance for Income Replacement pocket brochure.



IMPORTANT UPDATES


DIA approved in new states
The American Pathway® Deferred Income Annuity (DIA) and its ability to be designated as a Qualified Longevity Annuity Contract (QLAC) is now available in Mississippi, Oregon and Washington. Learn more

  Connect with us:
     

Field Underwriting Guide

State Approvals

Interest Rates

Archives

 

Policies issued by American General Life Insurance Company (AGL) except in New York, where issued by The United States Life Insurance Company in the City of New York (US Life). Issuing companies AGL and US Life are responsible for financial obligations of insurance products and are members of American International Group, Inc. (AIG). Products may not be available in all states and product features may vary by state. Guarantees are backed by the claims-paying ability of the issuing insurance company.

FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION

American General Life | Privacy 

American General Life Insurance Company
2929 Allen Parkway, Houston, TX 77019, United States
© 2015 AIG Life Insurance. All Rights Reserved.      


4/7/2015

Partners Advantage Advanced Markets Insights Featured in the April issue of Broker World

In an increasingly aggressive tax environment, the tax advantages of life insurance products are becoming sought after and even recommended by other professionals. Learn more in this article from Bill Jackson, JD, CLU. First published in Broker World magazine, April 2015.  Read article here.


4/1/2015

Be Prepared for Growing Market in the U.S: Affluent Foreign Nationals
 

Affluent Foreign Nationals Are a Growing Market Segment in the U.S.

Affluent Foreign Nationals need life insurance for the same reasons as U.S. citizens. Only they face a different set of rules. Both Non-resident Aliens (NRA) and Resident Aliens (RA) encounter unique U.S. tax challenges when it comes to family legacy planning. Fortunately, Transamerica can help you secure international cases with a variety of life insurance strategies.

 

Click the button below to download our complimentary presentation: Planning for Foreign Nationals - A World of Opportunity and learn more about this exciting, growing market.

 

For producer use only. Not for distribution to the public.

OLA 2350 0315

 Click here to read more and to capture presentation


3/31/2015

National Life Group: Temporary Marketing Material Suspension in CA


 

Temporary Marketing Material Suspension in California

 

Due to recent guidance from the California Department of Insurance regarding certain marketing materials that mention Accelerated Benefit Riders, all California producers are required to stop using the suspended marketing materials effective immediately.

What does this mean for you?

  • Please note that all Accelerated Benefits Riders are still available in California.
  • Use these marketing materials while we work to make the necessary changes to the suspended materials.
  • Stop using these suspended marketing materials.
  • Please be aware that illustrations of the Chronic Illness Rider only will not be available in our illustration systems for all California products during this temporary suspension.

All Accelerated Benefits Riders are still available in California. The riders will continue to be included on all eligible policies and will be reflected in the illustration delivered with the policy.                                  

We are working to make the necessary changes to these marketing materials and will make them available again as soon as possible. We will send a follow-up message with an illustration update.

Please contact the sales desk if you have any questions: 1-800-906-3310.

Administrative Office: One National Life Drive, Montpelier, VT 05604
www.nationallifegroup.com | Sales Desk: 800-906-3310


National Life Group® is a trade name of National Life Insurance Company, Montpelier, VT, Life Insurance Company of the Southwest (LSW), Addison, TX, and their affiliates. Each company of the National Life Group is solely responsible for its own financial condition and contractual obligations. LSW is not an authorized insurer in NY and does not conduct insurance business in NY.

Agent Use Only - Not For Use With The Public


TC84329(0315)1                                 


3/30/2015

Accordia Introduces new Death Benefit IUL-The Lifetime Foundation
Lifetime Foundation is designed to compete for death benefit sales vs. no lapse guarantee as well as the current products of current assumption UL and IUL products that offer some form of life expectancy. The guarantees in this product have two components. Initial Death Benefit Guarantee of as many as 30 years(ages 18-35). Extended Death benefit guarantee offers a lifetime guarantee on 50% of the death benefit.(as long as minimum premium is paid. Please call your marketer for more details as well as agent fact sheet, consumer guide, and a brainshark.

3/30/2015

Lincoln Benefit eliminates Legacy Secure UL as a term conversion product
Legacy Secure Ul will no longer be available for term conversions after May 1, 2015. All Legacy Secure UL term conversions in good order dated on or before May 1, 2015 and received on or before May 15, 2015. If the applications do not meet those dates, they will be returned. Please call your marketer for other options.

3/27/2015

F&G withdrawing Life Heritage Single Premium Indexed Universal Life
Applications have to be dated by March 30, 2015, received by home office by April 6,2015.Policies have to be issued by May 8, 2015.

3/25/2015

Athene Annuity: IMPORTANT CHANGE: Logging In to Our New Agent Website

Important Change:
Logging In to Our New Website.

As part of the continuing integration of our companies, we've rebuilt and relaunched the Athene Annuity Sales Resource Center on a new technology platform. Visit AtheneAnnuity.com to click through to our new site and manage your Athene Annuity DE business.

Your log-in process may have changed. 

Click here for details.


3/23/2015

North American|Annuity: NEW Volatility Control Index on Performance Choice
 

Date: March 23, 2015

To: North American Company for Life and Health Insurance® Agents

RE: NEW Volatility Control Index on Performance Choice® 8, 8 Plus, 12 and 12 Plus Effective March 24, 2015

New Volatility Control Index
 
     
 

Volatility control is a recent industry innovation and we've already included this new index on some of our fixed index annuities. We are excited to announce the addition of the Annual Point-to-Point with Index Margin crediting method and Volatility Control Index1 to our popular Performance Choice 8, 8 Plus, 12, and 12 Plus fixed index annuities.

GREAT NEWS! Our illustration software has been updated to include illustrations on the Performance Choice product series. Visit our website tomorrow to check out the new enhanced illustrations.

 

3/23/2015

Prepare for the Athene AscentSM
New product launched March 16, 2015. Another great reason to contract with Athene Annuity and Life Company, West Des Moines, IA
Show your clients how easy it is to choose the retirement they want with Athene Ascent. It only takes two choices for your clients to get started — 1. Choose how much to save and 2. How they would like to save. It’s that simple! Keep this easy to explain, easy-to-understand fixed indexed annuity at your fingertips.
 

3/19/2015

Transamerica: Operations News
MARCH 18, 2015 ISSUE: 

•  Welcome to Our New Section: Tips of the Trade
•  Operations Tip: One Easy Step to Ensure Faster Processing for Supporting Documents
•  LOMA Discount Discontinued
•  Access New Contracting Checklist on TransACT®
•  Administrative Offices Will Be Closed April 3
•  What's New from Transamerica Brokerage on Twitter
icon_share_2_20pxGeneral agents: This symbol indicates information that may be of interest to your producers.


3/19/2015

NORTH AMERICAN|ANNUITY SERVICE CENTER
North American NEWS - NEW! NAC BenefitSolutions Fixed Index Annuity - Case Files - Download the Income Maybe Case File Flyer!
The Product Buzz
 

NEW! Coming March 24th - Volatility Control Index
Great News! On March 24th, we are enhancing the Performance Choice® fixed index annuities series with the addition of a new volatility control index and Annual Point-to-Point with Index Margin crediting method. Learn More!

See Product Rates and State Availability

 

Click here to read more.

 
 

3/19/2015

Fidelity Life - No longer accepting paper apps for any products

   

 

 

To:      Fidelity Life Distribution - Contracted & Appointed Agents

Date:  March 19th, 2015

Re:      No longer accepting any paper applications 

   

In our continued efforts to provide and manage the most efficient sales and new business processes, we will no longer have paper applications available for any products.  This change will be effective March 23, 2015 and we will not accept paper applications emailed, faxed or mailed to us thereafter.

  • The forms link on the website will continue to house all necessary forms as required, but for all new application submissions the use of Rapid App will be necessary.
  • Rapid App is Fidelity Life's own online application submission platform.  ALL agents with a Fidelity Life agent/producer # have automatic access to Rapid App upon registering that # with a user ID and PW via the login link:  Agent Login
  • Fidelity Life hosts weekly webinars Tuesdays and Thursdays at 10am CST that demo the Rapid App system. Webinar Schedule and Login

We appreciate your continued interest in Fidelity Life Association and the products and systems we have developed to help serve American families.

 

Please go to: Fidelity Agent Resources for more information on our products and services.

 

Thank You,

Fidelity Life Sales and Marketing 

 
 

 For Agents Use Only.  Not for Consumer Use.


3/16/2015

Banner is withdrawing LifeChoice UL and Life Value Term starting April 10, 2015
Life Choice UL will be withdrawn for new sales and conversions on April 10, 2015. Life Value Term(modified ART product) will also be withdrawn on April 10, 2015.  Life Step UL will remain available for new sales and conversions. Any questions, please ask your life marketer or call x704.

3/13/2015

Protective Life announces new One Year Term
Issue age 25-75
Automatically Terminates after one year
Non-Tobacco and Tobacco only
100,000 - 1 million
all states except New York

3/12/2015

Voya: Moody's Upgrades Voya's Insurance Subsidiaries

More Exciting News: Moody’s Upgrades Voya Financial Insurance Subsidiaries!


3/9/2015

Nationwide increasing pricing for nolapse guarantee ul and suspending Supplemental Coverage for nationwide your life
Effective immediately, NLG-UL applications with first year premium over $500,000 must be reviewed and approved by Nationwide home office.
Nationwide is making two product changes effect April 13, 2015. Important Dates: Friday April 10, 2015, last day for application to be recieved at nationwide for old pricing . Sunday , April 12, 2015, lastest date on policy for old pricing. April 13, new pricing goes in effect. Monday, July 13, policies to recieve old pricing must be in force and funded.

3/6/2015

New Tablet Based Selling System from Voya Helps You Simplify Life Insurance Sales
Learn more about this innovative tool available through Partners Advantage and Voya here. Contact our Life Sales Team for assistance at 888-251-5525, Ext. 704.

3/5/2015

North American|Annuity: Rate and Product Change Announcement
 

Interest Rate Decrease Effective March 10, 2015

Effective March 10, 2015, interest rates are decreasing on most North American annuities, excluding the new NAC BenefitSolutionsSM fixed index annuity.

  • New interest rates will apply to applications received in the Home Office on or after March 10, 2015.
  • To receive current interest rates, original applications must be received in the Home Office before March 10, 2015.

Click Here For New Rates

NAC IncomeChoiceSM 10 Commission Special Ending Effective March 10, 2015.

  • Original applications must be received before March 10, 2015
  • Transfers and exchanges must be issued by April 22, 2015

Minimum Premium Increase on North American Charter® and North American Precision Series® Effective March 10, 2015
Effective March 10, 2015, the qualified minimum premium will increase from $2,000 to $10,000 on both products

 

3/4/2015

Transamerica: Operations News

MARCH 4, 2015 ISSUE: 

•  Of Current Interest
•  Take Advantage of Foreign Nationals Sales Opportunities
•  Reminder: DMF Form Required with Permanent and Term Products 
•  Engage with Transamerica Brokerage on Twitter

General agents: This symbol indicates information that may be of interest to your producers.

Click here to read more


2/26/2015

Voya: S&P Upgrades Voya Insurance Subsidiaries
Exciting News: S&P Upgrades Voya Financial Insurance Subsidiaries!
 
“The upgrade reflects Voya’s successful IPO and management’s progress on executing the
company’sstrategic goals as shown by the company’s improved operating performance and very strong capital and
earnings.”

2/26/2015

North American|Life: Interest Rate Changes

Effective April 1, 2015, North American Company is implementing changes to the currently credited interest rates on select life insurance products. Please read more here.

Thank you,

Marketing Communications


2/23/2015

American Equity: Important Rate Change Information

Dear Valued Producer,

Today’s low interest rate environment is challenging all of us in the retirement savings business to emphasize the principal protection and income features that Fixed Indexed Annuities (FIA) provide. High quality investments, responsible income rider design, and pricing integrity are the foundation of American Equity’s commitment to safety and guarantees.

In order for us to continue investing your client’s premiums in high credit quality assets, we are going to reduce rates on many of our products effective March 3, 2015. CLICK HERE to view the rate grid and important deadlines regarding this change.

We recently introduced the Choice Series of Fixed Indexed Annuities. These products are designed to be broker-dealer friendly with competitive rates, that can also be sold by any of our licensed agents. Unfortunately, we made an error by publishing a commission rate that was .50% too high. We will honor the published commission rate for applications that we receive in the home office through Friday, February 27, 2015 by 1:00 p.m. CST. The corrected commission schedules will be available at that time on our website.

American Equity continues to be the industry leader in providing guaranteed lifetime income for you and your clients. There are no changes to the Lifetime Income Benefit Rider.

On behalf of my teammates here at American Equity, thank you for your partnership. Please do not hesitate to contact us at 888-647-1371.

Respectfully,

 

Kirby Wood
Senior Vice President and Chief Marketing Officer

 

 

P.O. Box 71216 · Des Moines, IA 50325 · 1-888-221-1234 · 515-221-0002
515-221-9947 (Fax) · life.american-equity.com



2/19/2015

Voya: Improved Voya for Professionals site

New, improved Voya for Professionals site coming February 23rd

 

Voya for Professionals has been redesigned to make it faster and easier for you to find the information most important to you in doing business with Voya Financial.

When you log into Voya Pro on Monday, February 23rd, your view will definitely be different! However, ALL content and capabilities you previously had are still provided in the redesigned site. Some pathways were improved so you can get to all the important stuff more quickly!

To see more detail on the changes occurring in the life insurance section, see the Voya for Professionals Life Insurance Guide.


2/18/2015

North American: New Consumer-Friendly Sales Tool
Let's Talk About Sales Tools

 

NEW Consumer Video - NAC BenefitSolutions
Need a new way to talk about annuities with your clients? Try our new consumer-friendly video featuring our newest product innovation, the NAC BenefitSolutions!
 
 

2/18/2015

Do you have Transamerica GUL or SUL pending cases? AIG can help you today!
 
 

                                           
During this transition time, American General Life (AGL) has set up an expedited process called “ACE Express Review” to get your TransACEâ cases placed as quickly as possible.  With this streamlined process and AGL’s competitively priced GUL product alternatives, we can help get your clients issued the right GUL policy that meets their needs.  

AGL’s AG Secure Lifetime GULâ II and AG Secure Survivor GULâ II with Optionality® offer flexibility and security in one policy. Both products have a no cost return of premium rider - the Enhanced Surrender Value Rider.  In addition to the strong return of premium option, AG Secure Lifetime GUL II provides valuable protection guarantees giving clients access to living benefits.  With this product, clients have the option to add the Accelerated Access Solutionâ indemnity based chronic illness rider with unique payout options.  Additionally, clients have the option to add the AG Asset Protectorâ rider bundle which includes both the Accelerated Access Solution and the Lifestyle Income SolutionSM which can protect clients from outliving retirement income. That’s life insurance with Optionality!

Helpful links on our unique product offerings:

 Get started processing your in-progress cases right now with our dedicated staff on your service team and our expedited ACE Express Review process.  Applications submitted under the ACE Express Review process must be received by March 13, 2015. 

 ACE EXPRESS REVIEW PROCESS

 Step 1: Submit packet to AceExpress@aglife.com or fax toll-free to 800-578-7650

Information required:

–      Part A

–      Part B Exam and Lab Slip

–      EKG, if applicable

–      Other requirements obtained, such as APS records or other medical/financial information

  • American General Life AG Secure Lifetime GUL II or AG Secure Survivor GUL II illustration (signed or unsigned)
  • Please note:

–     If replacement of existing life insurance is contemplated, submit full AGL Part A and appropriate replacement forms along with TA packet

–     Normal underwriting guidelines apply.

–     All face amounts over $5 million (and ages 67 or above over $500K) require 4506-T EZ tax transcript form or acceptable alternative information

–     The “Notice to the Proposed Insured” document must be provided to the client

Step 2: Dedicated AGL service team provides high touch, expedited processing

  • AGL confirms receipt, checks routine underwriting databases and routes file to your dedicated underwriting team
  • Your underwriter will contact you with underwriting assessment
  • Once approved, AGL will pre-fill AGL Part A and B on your behalf
  • Policy will be conditionally issued and Part A/B and other form signatures may be obtained on delivery

Step 3: Submit signed forms/requirements as needed and premium

  •  AGL will confirm forms are “in good order” and place policy in force

It’s that simple!  Let’s discuss open cases this week and let me show you how we can help you.

 

Best regards,

Tom and Georgia

 

 

Policies issued by American General Life Insurance Company (AGL).  Policy Form Numbers 13239, ICC-13239, 13460, ICC13-13460; Rider Form Numbers:  11990, ICC-11990, 13972, 13600, ICC13600.  The underwriting risks, financial and contractual obligations and support functions associated with the products issued by AGL are its responsibility. Guarantees are subject to the claims-paying ability of the issuing insurance company. AGL does not solicit business in the state of New York. AGL is a member company of American International Group Inc., (AIG). AIG does not underwrite any policy described herein. Policies and riders not available in all states. These product specifications are not intended to be all-inclusive of product information. State variations may apply. Please refer to the policy for complete details. FOR PRODUCER USE ONLY. NOT FOR DISSEMINATION TO THE PUBLIC.

 


2/12/2015

Have You Considered the ‘Cost of Waiting?’
The 5 Year North American Guarantee ChoiceSM now offers one of the top 5-Year MYGA rates from a carrier rated A+ (Superior)1 by A.M. Best! If your clients have assets on the sidelines or are considering “waiting for rates to improve,” show them the benefits of a multi-year guarantee annuity! 
 

2/12/2015

AIG Releases New Term Rates and Re-enters NY!
American General life, a longstanding term insurance leader, is pleased to announce significant, competitive improvements on its flagship product— AG Select-a-Term, issued by American General Life Insurance Company (AGL). We are now in a market-leading position for 15, 20, 25, 30 year non-tobacco classes. Nearly 75% rank in the top three within the industry. In fact, almost 30% of our premium rates rank number one1 . 
 

2/11/2015

Are You Following Us on LinkedIn?

2/11/2015

Transamerica: Discontinuation of Trendsetter(r) Express!!
Effective Feb. 14, 2015, Trendsetter® Express will no longer be available for sale. Applications for Trendsetter Express must be signed, dated and received in good order in Transamerica's Cedar Rapids administrative office by close of business on or before Feb. 13, 2015. A great alternative to Trendsetter Express is Transamerica's term with living benefits product, Trendsetter® LB. Trendsetter Express will continue to be available for sale in Massachusetts and Puerto Rico until further notice. Trendsetter LB is currently not available for sale in Massachusetts and Puerto Rico. For more information on Trendsetter LB, click here

2/6/2015

NAIC Annuity Buyer's Guide Now Available for Free Download Online
PDFs of all versions of the NAIC Annuity Buyer's Guide are available for download at the NAIC Store for Consumer Publications. Learn more here.
 

2/5/2015

Transamerica TRANSACE withdrawn from sales IMMEDIATELY
As a result of the interest rate environment, TransAmerica has withdrawn the TransAce and TransAce Survivor product line. No more applications will be accepted , and any applications pending will be closed out and money sent back. Policies that are already out for delivery are not impacted, but there will be no extensions of delivery periods. If there is a request for 1035 funds outstanding , Transamerica will continue to work those policies(unless the time period runs out of acquiring those funds).
 

2/4/2015

Voya: Changes for Index Caps & Participation Rates

Changes to Index Caps and Participation Rates on Indexed Universal Life (IUL) Insurance Products

 

Security Life of Denver Insurance Company ("SLD") and ReliaStar Life Insurance Company of New York ("RLIC NY") will be decreasing index caps and participation rates for some of our indexed universal life insurance policies. 

The new caps and participation rates will be shown in the Voya Presents illustration software beginning on February 9th.

Need more information or have questions? Please refer to this updated, Q&A.


2/3/2015

North American|Annuity: New in California!

NEW! NAC IncomeChoiceSM10

Industry-Leading Income Payouts and Strong Commission!
  • NO ADDITIONAL CHARGE - Guaranteed Lifetime Withdrawal Benefit (GLWB) Feature Built-In1
  • 5% GLWB Bonus and 4% GLWB Stacking Roll-Up Credit2
  • Annual Increasing Lifetime Payment Percentages (ages 60-80)
  • 10-Year Surrender Charge Period3

Check out the updated rate sheet for California specific rates.

NEW! Volatility Control Index

 S&P 500® Low Volatility Daily Risk Control 5% Index

The NAC IncomeChoice 10 and NAC RetireChoice® fixed index annuity series have been enhanced with the addition of a new Annual Point-to-Point with Index Margin crediting method and Volatility Control index.4

Click here to read more.


2/3/2015

Genworth: Producer Elite Program Info / Agent Sales Incentive
Genworth recognizes your sales talent and invites you to be a member of the Genworth Producer Elite Program. A new-tiered incentive compensation program that aggregates all of your eligible Genworth annuity production to establish your incentive payout tier and compensates you on any annuity production that includes an income rider.  Click here to read more.

2/2/2015

North American|Annuity: NEW 5-Year MYGA Rate Special
5-Year MYGA Interest Rate Special!  Effective February 3, 2015

Hurry, 5-Year MYGA rate special won't last forever!

Click here for more details!


1/29/2015

American National: Cash Is King!
Cash bonus on fixed annuity sales!
Begins January 1 to April 30.  Total of all Annuities written and paid.  Minimum of 3 Applications.  This offer includes group annuity sales.

1/28/2015

Voya:The Rewards of Waiting

The Rewards of Waiting  

When they retire, many clients will have several assets available to generate retirement income. The order in which they use their assets could impact how much spendable income they will have and how long that income will last.

Because different retirement assets can grow (or decline) in value at different rates and are taxed in different ways, clients should think through how they will convert their assets into the income they will need to pay their retirement expenses.

 

This new producer flyer discusses why delaying policy distributions may help clients achieve increased retirement security.


1/27/2015

Live Training in Fort Lauderdale, Florida

February 24, 2015 - 8:15 a.m. - 1:00 p.m. - Free Training, Light Breakfast and Lunch Provided. Learn more and register here.


1/26/2015

Advanced Training and "I-DIAs" with Curtis Cloke

Advanced concepts to help address clients' retirement income needs and tax challenges are a hallmark of the training and techniques utilized by financial services professional Curtis Cloke. Now he is bringing his special approach to product positioning and retirement strategies through a strategic alliance with Partners Advantage. Read full press release here.


1/23/2015

Precision Marketing Approach - Training Program with Wayne Cotton Jan. 27-28

Do Your Marketing Methods fall short? The Precision Marketing ApproachTM can help you maximize your income growth in 2015. Learn how you can generate more sales activity by targeting prospective clients that lead to more and better clients that fit your Best Case Scenario. Learn more and REGISTER Here.


1/21/2015

Voya: New Underwriting Age and Amount Requirements

New underwriting age and amount requirements for applications submitted to Voya®Life Companies

 

No more MD exams. No more treadmill stress.

That’s right! Voya’s new underwriting guide outlines the following changes to age and amount requirements for applications signed on or after 2/1/2015.

The new 2015 underwriting guide will be available on Voya Pro starting February 2, 2015.

Click here to read more.


1/16/2015

Transamerica: Trendsetter® Express Will Be Discontinued on 2/14/15
Effective February 14, 2015, Trendsetter® Express will no longer be available for sale.* 

Applications for Trendsetter Express must be signed, dated and received in good order in Transamerica's Cedar Rapids administrative office by close of business on or before February 13, 2015.


A Great Alternative to Trendsetter Express: Our Trendsetter LB Product 
Trendsetter® LB is our term product with Living Benefits. Similar to Trendsetter Express, Trendsetter LB provides a non-med option up to $249,9991, a Terminal Illness ADB and an Income Protection Option. In addition to these benefits, Trendsetter LB also includes Chronic and Critical Illness ADBs that allow clients to accelerate death benefits to help pay for medical or living expenses and more.2
 

1/15/2015

North American|Annuity: Product Discontinuation

At North American, we continue to strive for the best annuity product selection in the industry. We've recently enhanced several existing products through increased rates and commission. To streamline our portfolio, we are discontinuing the following products effective January 30, 2015:

  • NAC SecureChoiceSM
  • NA Flex I®, II®, III®
  • North American Director®
New Business Guidelines: To receive the current products listed above, applications must be received in the Home Office before January 30, 2015 and issued (commonly known as the contract effective date) by March 31, 2015. Click here to read more

1/15/2015

Transamerica Trendsetter Express Discontinued on 2/14/15
Effective February 14, 2015, Trendsetter Express will no longer be available for sale. A great alternative to Trendsetter Express, is Trendsetter LB with living benefits. Trendsetter LB provides a non-med option upt to 249,999, a terminal illness ADB and an income protection option . In addition to these benefits, Trendsetter LB also includes Chronic and Critical illness ADB's that allow clients to accelerate death benefits to help pay for medical or living expenses and more.

1/13/2015

Protective Life now offering sales promotion starting 1/15/15
Only one $25.00 american express card will be isssued for each qualifying agent.  Business must be submitted January 15,2015 or later and placed by March 31, 2015. Promotion applies to any new life insurance policy from Protective (client suitability applies) except VUL policies.

1/12/2015

North American|Life: Chronic Illness Benefit Rider
Due to the Chronic Illness Benefit Rider North American will no longer be able to accept Custom Guarantee UL applications via simple submit in the state of California.  Please click here to read more.

1/12/2015

North American|Annuity: Introducing the Elite Producer Club

Earn up to 1% Extra Commission on all North American Fixed Index Annuities!

2015 ELITE PRODUCER CLUB

2015 Fixed Index Annuity
Issued Premium

Silver Level 1

Gold Level 2

Premium Required

$1,000,000

$2,500,000

Bonus Amount

0.50%

1.00%

Benefits

  • NEW! Open to all North American Fixed Index Annuity sales
  • NEW! Dedicated toll-free number for service and support
  • NEW! Advanced field announcements
    (Competition Tools, Industry Trends, and more)
  • Priority access to business building programs
  • Access to our experienced Sales Support team
  • Personalized product illustrations

1/8/2015

Revised: Important Annuity Product Changes from Fidelity & Guaranty Life

On January 7, 2015 we announced some important changes to our very popular fixed indexed annuities - the Prosperity Elite series® and Safe Income Plus.®

We have reconsidered and now feel that our notification and window to meet the requirements is too tight to support the concept of "what you sold is what you deliver." In order to help give you more time, we will be moving the effective date of these changes from the January 22, 2015 buy date to the February 8, 2015 buy date. The business transition rules are now:

  • Any Prosperity Elite or Safe Income Plus policy issued on or before January 29, 2015 will be issued with the current product
  • Any Prosperity Elite or Safe Income Plus policy issued on or after January 30, 2015 will be issued with the new product change

Please click below to read and understand the product changes, including revised dates.

If you have any additional questions, please feel free to contact us at salesdesk@fglife.com


1/7/2015

Voya Update - Orange Money Advertising Resumes
This month, Voya "Orange Money" advertising creative will begin hitting televisions, desktops and mobile devices, as we begin the next phase of our consumer brand campaign.  

This advertising features Voya  brand messaging, following this fall’s campaign, which communicated the transition of ING U.S. to Voya Financial.  

Our integrated campaign will deliver over 4.7 billion advertising impressions throughout 2015, across television, digital, mobile, search, and social channels.  
 

1/6/2015

American Equity: Fast Track To Cash Incentive!
For American Equity’s Fast Track to Cash Incentive – Gold Eagle Membership is your key to cash rewards. Now through May 29, agents who reach Gold Eagle are on the Fast Track to Cash with American Equity. 
 
The cash rewards only start once you are Gold Eagle, and stop at the end of the incentive. So the faster you are a member, the more time you have to earn more cash rewards...read more.
 
Contact the Annuity Team at (888) 251-5525, Ext. 709  to learn more!

1/5/2015

American General: TRAINING WEBINARS!

TRAINING WEBINARS!

AG PLATINUM CHOICE VUL

Offering your clients protection, choice and opportunity for today and beyond!
Monday, January 5th: 3pm CST
Wednesday, January 7th: 11am CST
Thursday, January 8th: 10am CST

ADDITIONALLY…Introducing AG VALUE + IUL A new protection focused product that incorporates strong life protection with significant guarantees…all at a market-leading price point!

Join one of nine informative webinars to find out more!
Monday, January 19: 10 a.m., 2 p.m. CST
Wednesday, January 21: 9 a.m., 1 p.m. CST
Friday, January 23: 11 a.m., 3 p.m. CST
Monday, January 26: 12 p.m. CST
Tuesday, January 27: 1 p.m. CST
Wednesday, January 28: 3 p.m. CST

Dial In: 1-888-535-6454
Meeting Number: 9136363
Click HERE to join webcast!


1/5/2015

Assurity: Life Sales Made Easy!
Learn more about asset protection with life insurance & living benefits:  Click here to learn more.
 

1/3/2015

Powerful Marketing Tips for 2015
Rise above the competition this year, here are some tips to keep your marketing sharp. View here.

12/28/2014

We want to Thank YOU for a fabulous 2014!
2014 has been a fabulous year. We appreciate your continued business. Pleae watch our short video thank you message here.

12/17/2014

Foresters now has Chronic, Critical and Terminal illness on all eligible life insurance certificates
Foresters Accelerated Death Benefit Rider offers the owner of eligible certificates an opportunity to accelerate a portion of the eligible death benefit and recieve an accelerated death benefit payment if the insured is diagnosed with an eligible illness. Depending on eligibility and state variations, the issued rider will include one or more categories of illnesses-chronic illness, critical illness and terminal illness.
Availability
1. ABR is available only for non-medical versions of Lifefirst Term, Smart UL, and Advantage Plus
2. ABR is not available in New York, California, or Connecticut.
3. ABR is not included in Federal Employee Benefits or List bill cases or for Conversions.

12/11/2014

New IRA One-Rollover-Per-Year Rule Could Penalize your Clients
Learn more in this informative blog post by our Sr. Advanced Markets Consultant Bill Jackson. View here.

12/4/2014

Partners Advantage Announces Acquisition of Independent Life Brokerage

View on BusinessWire here.

Riverside, CA (December 4, 2014) – Partners Advantage Insurance Services, LLC is pleased to announce its acquisition of Independent Life Brokerage (ILB) of Florham Park, New Jersey. The ILB offices in Florham Park and its employees will become a part of the Partners Advantage distribution network and will continue to serve its base of financial professionals primarily focused in New York and New Jersey.

"Joining the Partners Advantage family will allow ILB producers and employees to access more products and resources and expand sales into new areas," stated ILB Founder & CEO Dan Pierson. "It is also a good fit, as our two companies' mission statements are very similar and complimentary to one another."

"Partners Advantage is looking forward to maintaining ILB's unique value proposition as a life brokerage with high-level case design, impaired risk  and  large case underwriting," stated Partners Advantage President James Wong. "Our teams will combine to provide added strategies and resources to help financial professionals better serve their clients in the life, annuity and health marketplace."

Independent Life Brokerage is among many companies which have merged into the Partners Advantage distribution network, a life and annuity industry leader in mergers and acquisitions and one of the fastest growing insurance marketing organizations in the country. Partners Advantage is an independent, national company serving financial professionals, agencies and financial services companies across the country.

Partners Advantage offers top shelf training, technology and service, highlighted by two exclusive programs, its Advanced Coaching & Business Building Program which leverages the skills of nationally recognized leaders in the financial services industry and its weekly, live training which helps financial professionals grow their product knowledge and understand important sales concepts.

About Partners Advantage Insurance Services

Partners Advantage Insurance Services, LLC, is a national insurance marketing organization with 70 associates located in offices across the country. The company's Advantage Division is a one-stop brokerage for licensed agents and agencies throughout the United States who sell annuities and life insurance. The company's Platinum and Premier Divisions work to enhance insurance marketing organizations and agencies throughout the country. For more information about Partners Advantage, visit www.partnersadvantage.com.

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11/14/2014

Explanation of why you need life insurance on the TODAY show on NBC. Brought to you by Voya.
Sharon Epperson, CNBC’s personal finance correspondent, offers insights on protecting your loved ones by buying life insurance, pointing out that it’s not that expensive. View Here.

11/13/2014

November Sales Tips and News
Access great sales ideas from our blog here.

11/10/2014

AXA Term Series has been replaced(and enhanced)-starting 11/10/14
 
Brightlife Term Series 151X is replacing Axa Equitable Term Series 151X
1. Term Conversion Credit -First years permanent policy premium will be reduced by 125% of the Term policy's first year's annual premium. After that, 100% credit is available for the remaining conversion period beyond policy year 5.
2. Annual Renewable Term Rates are now guaranteed for the first three years.

11/5/2014

ATTENTION FLORIDA FINANCIAL PROFESSIONALS
Wondering how you're going to GROW your practice in 2015? We've got training for that! Live Sales Training for Financial Professionals 

11/4/2014

LTC Riders vs. Chronic Illness Riders
Genworth will be hosting a webinar on November 11th  on the topic of LTC Riders vs. Chronic Illness Riders.  This webinar will be presented by Charlie Gipple, National Director of Index Products  and go through 4 key questions to be aware of when determining which living benefit is the best for your client. The Accelerated Benefit for Long Term Care services is approved in all states EXCEPT CA... Click here to register

11/3/2014

Excitement is Building for the Extravaganza of Excellence
Learn more about this year's Extravaganza. Watch our brief video here.

11/1/2014

Virtual Extravaganza of Excellence - Learn Repeatable Strategies You Can Implement Immediately
We have an incredible opportunity for you to learn about some of the latest developments in the industry and repeatable strategies you can implement immediately to rapidly boost sales in the new year! Hear Tom Hegna, Anthony Morris and other nationally-recognized professionals and trainers in the financial industry during the Partners Advantage Extravaganza of Excellence. Live via online streaming video. Learn more here.

10/24/2014

Article by Partners Advantage President James Wong discusses 7 Ways to Grow Your Agency
James Wong provides insights on 7 Ways to Grow Your Agency in this article featured in the August 2014 Vanguard newsletter from Mutual Trust. As time passes, we all develop habits. We sell the same products over and over again, and at some point you may forget about the importance of continually looking for new growth opportunities. I believe if your business isn't growing, it's probably moving backwards. The following are ideas to help you grow and find renewed success. View full article here.

10/21/2014

Annuity Sales Report: Industry-Wide Sales at Highest Level in Three Years
IRI Second-Quarter 2014 Annuity Sales Report: Industry-Wide Sales at Highest Level in Three Years
Indexed Annuities Power Fixed Annuity Sales to Five-Year High. Read full press release here.

10/21/2014

New Internal Revenue Service (IRS) Regulations - QLAC Information
View information from Principal on the Qualified Longevity Annuity Contract Solution here.

10/17/2014

Breast Cancer Awareness Month is a Good Time for Life Insurance Awareness for Breast Cancer Survivors
Here is a great article on the topic from LifeHappens.org: Think You Can't Get Life Insurance If You've Had Breast Cancer. Think Again! Please contact your Brokerage Director at Partners Advantage with specific questions or cases at 888-251-5525, Ext. 700.

10/2/2014

Wake Up to a Built-In Income Stream

10/1/2014

Learn about the 3 Business Planning Pitfalls for 2015 and Keys to Enhancing Social Security Benefits
Learn more on these topics and others in the October My Training Partners training sessions held live, online every Wednesday. Go to www.MyTrainingPartners.com to register for the session. If you need a Customer Code, please contact us for assistance.

9/29/2014

Webcast Sept. 30 - Informal vs. Formal Submission: How Can It Affect Your Placement Ratio
Learn more in our webcast on Sept. 30. Register Here.

9/15/2014

MYGA Specials 3.35%
Now is the time to ask about MYGA rate specials. Contact us at 888-251-5525, Ext. 709 for details on this and specials from other carriers. Learn more about 3.35% MYGA special here.

8/27/2014

Partners Advantage Supports LifeHappens.org and Life Insurance Awareness Month
September is Life Insurance Awareness Month. Partners Advantage is now a member company of LifeHappens.org and strongly supports its mission to inspire the public to take personal financial responsibility through the ownership of life insurance and related products. Read full press release here.

8/20/2014

AIG Incentive Features a New BMW Ride
AIG gives you the opportunity to win a BMW lease or a Visa gift card.

8/20/2014

Learn from Your Peers and Nationally Recognized Industry Leaders
Here is a preview on some of the speakers at this year's Extravaganza of Excellence. Details here.

8/18/2014

Protective Life Lowers Protective Custom Choice(10-30 years) for face amounts 500,000 and above
Rate changes start 8/18/14
 
100,000-249,999-2% increase
250,000-499,999-no change
500,000-999,999-1% decrease
1,000,000 and above-2% decrease

8/11/2014

August Underwriting Conversation
Clinical Underwriting vs. Mortality Underwriting: What’s normal MAY NOT be normal. Learn more about this August 21 underwriting session here.

8/8/2014

METLIFE -adjusts TERM life rates to become more competitive in most cells
competive pricing for issue ages 18-64, at level premium periods(10, 15, and 20 years) for all non-smoker rate classes with face amounts of 250,000 and above.

8/6/2014

What Could You Gain from the Advanced Coaching & Business Building Program?
Learn more by listening to this short video - here.

8/5/2014

Genworth: New National Conversion Product
Read full update from Genworth here.

7/21/2014

Prudential-starting 8/11/14 Prices adjusted for the better
UL Protector-single pays are being decreased across the board 10%-12%, level pays are decreasing as much as 3%
SUL Protector-Re-pricing will bring improved rates to some cells and others will see an increase
Term Essential and Term Elite-Both products will see improved competiteness across the board, reminder you can convert to any of Prudentials permanent products

7/16/2014

Partners Advantage Promotes Carolyn Musinski to Vice President of Platinum Sales

Riverside, CA (July 16, 2014) – Partners Advantage Insurance Services, LLC is pleased to announce the
promotion of Carolyn Musinski to Vice President of Sales, Platinum Partners division. 

Musinski joined Partners Advantage in September 2011 and has taken the Platinum Partners
division to increasingly higher levels of performance and success. She has continually brought
leadership and vision to a highly focused and determined team of associates that help
independent marketing organizations thrive. The division continues to grow providing a high
level of service and value-added benefits to more than 100 insurance marketing organizations
throughout the country. Her division is on target to meet and exceed its goal of $54 million of
life production and $1.2 billion of annuity production in 2014. Read full press release here.


7/11/2014

Athene Commission Payment Requirements Update
Learn more about changes to Commission Payment Requirements in seven states. View field update here.

7/10/2014

Don't Let Your Case Go Up in Smoke - July 17
Join in the Coffee and Conversations with Underwriting session on this important topic. Learn more and register here.

7/7/2014

July Sales Edge

6/25/2014

North American now on IGO-no more paper applications
You can now submit your North American applications via the IGO process. Just a reminder, IGO is located under the life button on our website. Ask your marketer to show you this easy process. You can use it for the ADDvantage term as well as the Custom Guarantee. Other products will be available later on.

6/23/2014

Gary Eckebrecht Appointed VP of Advantage Sales
Riverside, CA (June 23, 2014) – Partners Advantage Insurance Services, LLC is pleased to announce the appointment of Gary E. Eckebrecht as VP of Sales for its Advantage Division. Eckebrecht will be taking leadership in many of the key areas headed by retiring Senior Vice President James Lehmann. Read full news release here.
 
 

6/20/2014

National Annuity Awareness Month resources
Get Informed about Annuities - JUNE is National Annuity Awareness Month!

During the month of June, annuity industry trade associations are providing informational material, webcasts and social media communications to help inform financial professionals and the public on the important role annuity products play in helping Americans prepare for retirement and develop a retirement income strategy.

Access Information and Download Materials here. » 

Now is a great time to utilize these informational webcasts and article downloads to spread the word about annuities. An array of informational resources and awareness tools are available to help educate consumers throughout the month.

For financial professional use only. Not for use with consumers.
The material from third-party sources is being provided as a service to you. Please note that the information and opinions included are provided by third parties and have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by Partners Advantage Insurance Services, LLC. Financial Professionals should ensure they continue to follow the current policies on the use of any advertising, third-party materials and/or social media as required by your broker/dealer and/or the carriers that you represent.

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6/11/2014

Important Technology Update from Partners Advantage

6/10/2014

Updated Suitability Process for Life Insurance Apps with Allianz
In some cases a personal financial questionnaire is required. Read details here.

6/9/2014

Summer Comp Increase for 2 Attractive FIAs

5/27/2014

American National revamps Accelerated Benefits for the Better
Starting June 7th, American National has updated the payouts on Critical and Chronic Illness. The policies now offer Partial and Full Accelerated benefits. Clients can access a portion of the policy and keep the remaining policy value in place.  The clients can come back later for another partial benefit if needed. The client can also access the entire policy if needed. There is no cost for the rider, but the client will have to pay an expense to exercise the benefit.  Applications must be dated June 7th, 2014 or after. Please call your marketer for state approvals and a marketing brochure today.

5/27/2014

Tom Hegna and Anthony Morris lead our new Advanced Coaching & Business Building Program

An exclusive new coaching program from Partners Advantage Insurance Services, LLC will commence on June 11, 2014. The Advanced Coaching and Business Building Program will leverage the experienced coaching skills of two nationally recognized leaders in the financial services
industry - Anthony Morris and Tom Hegna. Financial professionals who have participated in Morris and Hegna's coaching programs have noted a dramatic impact on their immediate production and durable influence on their business.

Contact your Partners Advantage representative for details on this "by invitation" program. View more here.


5/26/2014

Axa Athena UL applications accepted until 6/13/14
All applications on the Athena UL applications will be accepted until 6/13/14. Any recieved after that date will be entered as Brightlife Protect Series 155, subject to policy amendment and any other necessary requirements.

5/26/2014

June is National Annuity Awareness Month
There are some great opportunities to inform your clients during June - National Annuity Awareness Month. Learn more here.

5/13/2014

Is everything showing up on your screen? You may need a browser upgrade.
April 8, 2014 Microsoft ended support for Windows XP.  As a result, iPipeline has discontinued support for Windows XP as well. Many of the forms, quotes and eApps on the Partners Advantage Agent Portal are through iPipeline. A browser update may be needed.

Tips for Using IPipeline iGO e-App:
Use Internet Explorer 9, Firefox, Safari or Google Chrome as your browser. Also, enable pop-ups on your browser.

 

5/13/2014

Sales Tips from our Blog
View the May eNewsletter with sales tips from our blog.

5/8/2014

Partners Advantage Unveils Exclusive Coaching Program


Riverside, CA (May 6, 2014) – An exclusive new coaching program from Partners Advantage Insurance Services, LLC will commence on June 11, 2014. The Advanced Coaching and Business Building Program will leverage the experienced coaching skills of two nationally recognized leaders in the financial services industry - Anthony Morris and Tom Hegna. Financial professionals who have participated in Morris and Hegna's coaching programs have noted a dramatic impact on their immediate production and durable influence on their business. View complete news release here.


5/2/2014

Prudential introduces Annual Renewable Term
PruTerm One is an annually renewable, convertible term product that can provide coverage for your clients with short-term insurance needs. It may be a good choice for clients who want coverage for 1 to 3 years, or need a bridge to permanent life insurance. Premiums are guaranteed for one year. After the guaranteed period, the company has the right to change premium rates no more than once a year, but rates will never exceed the contract maximum set forth in the policy. Clients can only pay annually. Policy is convertible for five years.

4/22/2014

Spring Commission Special on F&G Life Performance Pro!
For a limited time, Fidelity & Guaranty Life is raising the commission by 50bps on its latest fixed deferred annuity, Performance Pro. The new street comp will be 7.50% for ages 0-75 and 6.00% for ages 76-80 - details here. Commission varies by state, please contact Partners Advantage for details at 888-251-5525, Ext. 709. Access product brochures and mroe at the Performance Pro hub.

4/22/2014

Aviva Business Move to Accordia Life

4/21/2014

United of Omaha's Term Express Now available for
Effective May 1, 2014, Term Life Express (TLE) policies will now be available for conversions. The policy must be inforce for 2 years and must be converted before the end of the level term period or the policy anniversary following the insured’s 70th birthday whichever is earlier. (In NY, TLE is convertible during the first 5 policy years).

4/17/2014

We're Here to Help Put Your Next Case on the Right Track
We’re here and ready to help you find greater success on your next case! Learn more about our underwriting, advanced markets and compliance/suitability services here.

4/4/2014

Genworth Requires LQR for all Colony Term Apps of $250k and below

Effective April 7, 2014, Colony Term applications with face amounts of $250,000 or below that are eligible for Life Quick Request®, must be submitted through LQR, iLQR through iPipeline®, or Aplifi® AFFIRMTM for Life to be commissionable. Genworth's industry-leading Life Quick Request® (LQR) fulfillment platform makes sales simpler and results in better placement rates. Using LQR technology is faster, much more cost-efficient, and ultimately reduces cycle time by up to 50% and increases placement rates by up to 8%*. Access the Genworth LQR after you login to the Partners Advantage portal, under the LIFE section on the iGO eApp/Quick Ticket page. View full details here. If you have questions, contact the Life Express Team at Partners Advantage.

 

* As of February 1, 2014, cases processed through Life Quick Request had a median cycle time of 13 days for term life insurance and 16 days for universal life insurance cases from the day New Business receives the case to the day the policy is mailed. Term cases with face amounts greater than $100,000 have an 8% increase in placement ratio over paper applications (rolling 12-month average).


4/1/2014

Sales Training to Grow Your Business
Join us for this live, interactive training. Learn about stretch IRA, how product indexing works, motivating your clients, single premium life concepts and combo products. Learn more here.

3/31/2014

American General Lowers Term Rates
As of March 17, 2014, Rate Reductions are generally 1%-8%.

3/31/2014

TransAmerica(Family) Trendsetter 20 lowers rates
The new Trendsetter Super 20 rates were effective March 28, 2014. All applications submitted on or after March 28, 2014 will be coded to the new rates. All applications in-house prior to March 28, 2014 in submitted status, will be changed to the new plan.

3/26/2014

Partners Advantage Appoints Susan Capobianco Director of National Accounts Division

Riverside, CA (March 26, 2014) – Partners Advantage Insurance Services, LLC is pleased to announce the appointment of Susan Capobianco as the director of its National Accounts Division. As of part of her responsibilities, she will work with the key national accounts of Partners Advantage to help their agents grow their life, annuity and linked benefits business. Partners Advantage works with several large financial services companies throughout the country to help them expand beyond their core products to grow revenues and better serve the needs of their clients. View full news release here.


3/6/2014

March Sales Ideas
View the March Sales Edge News here.

2/24/2014

Genworth(starting 4/7/2014) applications 250K and below have to be submitted via life quick request
In keeping with Genworth's efforts to continue to make term life insurance process more efficient, starting April 7,2014, all term cases with the face amount of  $250K and below must be submitted electronically using Life Quick Request. If they are not, NO commission will be paid to anyone.

2/24/2014

ING offering additional coverage without lab test, paramed exams, or resting EKG's (temporarily)
From February 1-April 30, 2013 ING is offering your existing clients a simple way to add INDEXED universal life. Clients who own ING termsmart, INT termsmart NY, ING ROP endowment term or ING ROP endowment term NY life insurance with a policy date on or after 1/1/2011 can add an eligible IUL policy through an easier undewriting process. View details here.

2/19/2014

Mutual of Omaha will be offering Chronic illness (3/1/14)
On March 1, Mutual of Omaha new chronic illness rider provides benefits if the insured is unable to perform 2 of 6 activities of daily living for 90 consecutive days or has severe cognitive impairment. This rider can help customers cover the rising costs of Long Term Care. Compared to the previous rider, this rider uses a more straightforward calculation to determine the benefits. The new rider allow a cumulative maximum benefit of 1,000,000 or 80 percent of the death benefit

2/6/2014

Finding Your Client's Nagging Concern

1/31/2014

Protective Life-New Indexed Universal Life with No-Lapse Protection and Extend Care Benefits
Protective Life Insurance Company has announced the latest addition to the Choice Series line of guaranteed universal life insurance products, Protective Indexed ChoiceSM UL, will be available for sale beginning January 13, 2014 . The current low interest rate environment combined with recent volatility has limited the options for clients who want death benefit protection and cash-value accumulation, but resist using variable   investments due to the possibility of loss. With Protective Indexed Choice UL, clients can benefit from lapse protection, greater potential for cash-value growth and flexible features without the risk of directly participating in the stock market. For complete details, contact Partners Advantage at 888-251-5525, Ext. 704.

1/31/2014

North American's Bonus Blitz ending soon.....Interest Rate Decrease included!!

North American has remained financially strong and delivered sustained long-term value throughout the years by making prudent decisions relating to interest rate setting. As a result of the current rate environment, effective February 7, 2014, we are decreasing rates on most of our annuities and discontinuing the Bonus Blitz 1% premium bonus special on NAC RetireChoice® and the North American CharterSM.

New Business Guidelines: The new interest rates and premium bonuses will apply to applications received in the Home Office on or after February 7, 2014. To receive current interest rates and Bonus Blitz 1% premium bonus special, applications must be received in the Home Office before February 7, 2014. Note: We will accept faxed, signed applications to hold previous interest rates if faxed into the Home Office on February 6, 2014. Originals must be received in the Home Office February 7, 2014 by 12:30 pm CST. Fax to: 866-322-7073 (NOTE: USPS does not guarantee next day delivery, please be aware when selecting your postal carrier.)

These adjustments allow North American to remain financially strong. We sincerely thank you for your continued business. Call our Sales Support team for additional information at 866-322-7066 or visit our website at www.NorthAmericanCompany.com.


1/21/2014

Lincoln Financial External Conversion Term Program 2/3/14

Lincoln Financial is serious about term conversions.  How serious?  How about an external term conversion program on the Treasury Indexed UL with a maximum face amount of $2.5MM?

 

This new program just announced by Lincoln Financial allows for the largest face amounts for external conversions among the Core Carriers and to our knowledge is the highest limit currently available in the industry.  It will create new sales opportunities for producers who take the time to get the word out to their clients with in force term contracts.

 

Program Highlights:

  • Maximum      issue age: 60
  • Maximum      face amount: $2.5MM
  • Timeframe:      Within 36 months of issue date
  • Rate      Classes: Preferred and Preferred Plus ONLY
  • Exams      and labs: Not required if clients meet criteria
  • Application      Requirements: Lincoln Part 1, Part 2 and HIPAA
  • Surrender      of Existing Contract: Submit original policy and absolute assignment form
  • Underwriting      Requirements: 
    • MVR - Must be "nonratable"
    • Prescription database search
    • No interim medical history concerns since original       term policy issue

THIS PROGRAM IS FOR A LIMITED TIME AND LAUNCHES FEBRUARY 3RD!

 

Official Details:


1/13/2014

Genworth Paying $100 application bonus on Indexed Universal Life

Qualification Details

Writing Agents who submit IUL applications that are received at the Genworth home office between January 1, 2014 and June 30, 2014 ("Eligible Applications") are eligible for incentive payments. For each Eligible Application that results in an IUL policy placed no later than September 30, 2014 (a "Qualified Policy"), Genworth will pay $100 ("Producer Incentive") to the Writing Agent who submitted the Eligible Application. In the event of multiple Writing Agents submitting the same Eligible Application, Genworth will pay the Producer Incentive on a pro rata basis among the submitting Writing Agents.

Genworth will pay Producer Incentives as they are earned via the regular weekly commission payment process, subject to a 1-week processing delay. Agents who do not receive their regular commission payments via Electronic Funds Transfer will be paid Producer Incentives on a quarterly basis via check.

Producer Incentives paid on Qualified Policies that remain inforce for less than 12 months are subject to payment chargeback in the sole discretion of Genworth in accordance with the chargeback provisions of the applicable agent selling agreements. The rules and policies under which this Producer Incentive program shall be administered, including without limitation, whether any application is an Eligible Application, whether any policy is a Qualified Policy, and the obligation to pay any Producer Incentive shall be at the sole discretion of Genworth. Genworth may, without notice or the approval of any other party, amend, modify, or delete any provision of this Producer Incentive program, or discontinue such program altogether.


1/7/2014

Fidelity & Guaranty Life announces 'new' wealth transfer product

The latest addition to our fixed indexed universal life portfolio - FG Life-Heritage is now available!  FG Life-Heritage offers:

  • 10% premium bonus
  • A guaranteed return of premium rider
  • A no-lapse guarantee to age 110
  • Critical illness and terminal illness riders
  • Accept/reject point of sale underwriting (an underwriting decision made in 15-20 minutes)
  • Your commission rate is the same for all issue ages

1/7/2014

Fidelity Life announces changes to products

Please note, changes in non-forfeiture laws have forced us to implement some product changes that became effective January 1, 2014.

  • Return of Premium rider option on RD Mortgage Term is currently suspended until we can re-evaluate options for potential reintroduction.  
    • Any Rapid Decision Mortgage Term applications received with the Return of Premium rider added, will be amended as needed.
  • Rapid Decision Senior Life -  Whole Life rates have been adjusted slightly for a few issue ages.  For details please review:
Fidelity website:  FidelityLife.comForAgents

1/6/2014

PruLife introduces New Indexed Life Plan

Introducing PruLife® Founders Plus UL

Your clients want permanent death benefit protection without having to choose between guarantees or growth. Our new PruLife Founders Plus UL (Founders Plus) potentially gives them both. It is a flexible premium permanent life insurance product that offers an Index feature and is designed to meet the changing needs of your clients, particularly those considering a Guaranteed Universal Life product.

Founders Plus can give clients:

  • Cost-effective death benefit protection with the potential for cash value accumulation
  • Competitive premiums—especially when compared to other permanent life insurance products
  • Two interest crediting account options, a Fixed Account or a Plus Account with an index interest option for more upside potential
  • An extended No-Lapse Guarantee
  • Protection against the financial impact of chronic or terminal illness. Clients can choose, for an additional cost, to add the BenefitAccess Rider that advances up to 100% of the death benefit should they become chronically or terminally ill as certified by a licensed health care practitioner.

1/6/2014

Life Carrier Bonus - American General ends Feb. 2

American General Sales – Contest Select-A-Term-  submitted from October 1, 2013 – February 2, 2014 , and paid by March 31,2014.

             Submit 3 paid applications and win a $50 AMERICAN EXPRESS® Gift Card plus 1 entry in our grand prize drawing

             Submit 6 paid applications and win a $250 AMERICAN EXPRESS® Gift Card plus 3 entries in our grand prize drawing

             Submit 8 paid applications and win a $500 AMERICAN EXPRESS® Gift Card plus 5 entries in our grand prize drawing

             Plus a chance to win a  Sony 55 inch Flat Television


1/3/2014

News You Can Use - January Sales Tips
View the Partners Advantage January eNews here. And view more sales tips provided every week on our Blog.

12/30/2013

American General Suspends Sales in New York

American General Life Companies has announced the suspension of sales for some of its term, GUL and VUL policies in New York. Read full announcement here.


12/26/2013

Important Update on F&G’s Processing of Annuity Business

Due to the current high volume of business, Fidelity & Guaranty Life is experiencing delays processing annuity cases. Please note the following concerning the F&G annuity new business turn-around times:

  • Data entry is approximately: 7-10 business days. 
  • Initial review/incoming requirements: 15 business days.
  • Suitability Review: 7-8 business days.
  • Transfer: 3-4 business days after suitability is approved.

12/12/2013

Living Benefits key for American General Permanent Products
 

 Life insurance solutions that provide a living benefit depending on your needs. In addition to the valuable protection guarantees that AG Secure Lifetime GUL

® II provides for your family, you can also help protect against unexpected healthcare costs and outliving your retirement income with our accelerated benefit riders – Accelerated Access SolutionSM and Lifestyle Income SolutionSM.

Accelerated Access Solution helps protect against the unexpected expenses that may arise from chronic illnesses and Lifestyle Income Solution was developed to help preserve your standard of living throughout retirement.


12/12/2013

Genworth-Indexed UL with a no Lapse Guarantee and LTC(starts 12/16/13)

 

Foundation Builder Index UL is Genworth’s newest Index Universal Life insurance product. Launching in mid-December, this flexible death benefit solution features:

  1. Affordable death benefit protection at a competitive premium
  2. A no-lapse guarantee for up to 30 years
  3. Five crediting strategies linked to the percentage change of the S&P 500® Index to help build cash value for future financial flexibility
  4. Optional Accelerated Benefit Rider for Long Term Care Services

12/11/2013

What Clients Want
Learn what questions to ask to find out what clients planning for retirement really want. Read more here.

12/1/2013

Understanding Emotional vs. Rational Purchases
Read new blog post here.

11/26/2013

Opportunities in the Business Market
Read more on this topic in the Partners Advantage blog - here.

11/20/2013

Follow Partners Advantage on LinkedIn
Keep in touch and get valuable sales ideas. Just sign in to your LinkedIn account and click FOLLOW on this page.

11/15/2013

An Event to Top All Others! 10th Anniversary Vegas Extravaganza
The 10th Anniversary Celebration of the Partners Advantage Extravaganza is coming up soon. Learn more about this year's incredible speakers here.
 

11/7/2013

Learn Why You May Need to Update Your Internet Browser

You May Need to Update Your Internet Browser to ensure you have access to important online tools to process your business!

The iGO e-AppTM available on the Partners Advantage websites has upgraded its systems with changes for iGO and illustrations dashboards. We recommend you update to Microsoft®  Internet Explorer 8 or 9 (IE 8 or 9)however it is not yet recommended to upgrade to IE10 as it is not compatible with other iPipeline products on our website. 

If you don't update your Internet browser you may experience problems using these important online tools. (NOTE: iGO will NOT work with Internet Explorer 7.)

Otherwise you can use an alternative browser to access iGO, such as:

  • Firefox
  • Apple® Safari® (for Mac)
  • Google® Chrome®

If you have questions, contact Partners Advantage at 888-251-5525.

For Financial Professional Use Only.  Not For Use With The Public. 

PAIS 02072213 


11/6/2013

November eNews

10/29/2013

Great Sales Tips - Just Click the Orange Blog Icon Above
It's easy to follow the Partners Advantage Blog and get great sales tips and ideas every week.
Notice this new icon on the top banner of this webpage? Just click it to view the Blog. 
 

10/24/2013

3.5% for 5 years......LIMITED TIME ONLY!!!!
  • FG Guarantee-Platinum 5 Fixed Annuity Product:
    • 3.50% effective yield, 2.50% comp to age 79 (1.25% comp age 80 to 90)
    • Full value at death and no chargebacks on death
    • Cumulative interest free amount
    • Max Premium is $600k without Home Office approval
    • State Variations in CT/NC/OK will also have 3.50% effective yield 
    • Call 888-251-5525 ext. 709 for more details

10/10/2013

October eNewsletter
View newsletter here.

10/7/2013

Great American Announces Rate Decreases Effective October 14 and November 7

Secure American Rate Decreases Effective October 14

Rates are decreasing for the Secure American fixed annuity effective October 14, 2013. Order tickets with checks received in the Home Office by end of business day Friday, October 11 will be processed with the previous rate. Transfers and rollovers received by October 11 must have funds in the Home Office by Friday, November 8 to receive the previous rate.

Fixed-Indexed Annuity Rate Decreases Effective November 7

Rates are decreasing for the following fixed-indexed annuities effective November 7, 2013. Funds must be received by Wednesday, November 6 to receive the previous rate.

    - American Valor 10

    - Safe Outlook

    - Safe Return

Please see the interest rate chart for details.


10/3/2013

Athene Holding Completes Acquisition of Aviva USA

We are pleased to announce that Athene Holding Ltd. has completed its acquisition of the U.S. annuity operations of Aviva PLC. Please read today's press release.

This is exciting news for our retail business, our sales partners, and the Athene brand. The acquisition of Aviva USA's annuity business positions Athene among the market leaders in the fixed annuity space. It builds on the impressive growth of Athene Annuity over the past two years and leverages our core strengths of product and investment expertise, excellent service, and productive distribution partnerships. Combined, Athene Annuity and Aviva USA will now offer our producers and clients one of the industry's broadest and most innovative annuity product portfolios.

Today's announcement underscores our commitment to meet the growing demand for fixed annuity solutions with competitive, high value product and an exceptional service experience for our agents and marketing partners. There is much more to come, so stay tuned!

9/30/2013

Important Information about Aviva transition

Important information about the transition from Aviva to Global Atlantic/Accordia Life?  Review the FAQ from Aviva for the latest.


9/4/2013

Sales Tools for September: Life Insurance Awareness Month
Record-setting NFL quarterback, Boomer Esiason, will be playing for “Team Life Insurance” as the spokesperson for Life Insurance Awareness Month. Learn more here.

9/4/2013

Earn your Airfare to our Vegas Extravaganza
Hot Opportunity: Summer Sales Incentive from Partners Advantage. Learn more here 

8/15/2013

Annuity Producers - Important Reminder: Don't Get Your Next Case Cancelled!

Beginning June 1, 2013, most insurance companies will require ALL producers (regardless of state) to complete their own product training course  before soliciting annuity business. Depending on your state, the requirement may be immediate. If you should have any questions regarding this notice or do not know how this will affect your business, please be feel free to call your Partners Advantage annuity market at 888-251-5525, ext. 709, before offering any annuity products.


8/14/2013

Don't Miss the North American Premium Bonus!

8/8/2013

Sizzling Summer Incentive with Athene Benefit 10

8/6/2013

Changes to Lincoln Moneyguard

The Return of Premium feature has been adjusted please follow the link to get the latest information.

http://www.lfg.com/lfg/DOCS/lfd/emailMarketing/2013/VA-MCT-eML001_Z01/VA-MCT-eML001_Z01.html?cid=EM_35559

Lincoln is allowing a two week transition period for you to finalize sales you have in motion. To receive the current version of the Enhanced Surrender Value Endorsement, the paperwork must be received by August 16, 2013.

 

Please contact Paula Wendte at ext 274 or Steve Freking at ext 267 for more information or with any questions.


7/24/2013

Partners Advantage Unveils Partners Elite Advisory Group

Riverside, CA (July 24, 2013) - Partners Advantage is pleased to announce the newest member of its premier division, Partners Elite Advisory Group. Partners Elite will enhance the overall value proposition that Partners Advantage currently provides to select insurance professionals, financial advisors, and agencies. The senior leadership of Partners Elite combines the unique talents of Brian Mann and Kalem Mackey. Along with a seasoned team, they will focus on meeting the specific needs of select insurance professionals. Partners Elite will provide producers with an unforgettable service experience, high-touch support, innovative marketing systems, advanced sales training, and practice development programs. Read full press release here.


7/18/2013

Lincoln Benefit Life (by Allstate) has been sold to Resolution Life Holdings
Home and auto insurer Allstate Corp will sell its Lincoln Benefit Life Co to Resolution Life Holdings for $600 million, becoming the latest insurer to sell their life and annuity businesses in the low interest-rate environment.
 
Resolution will acquire the life block and close Lincoln Benefit as an insurance sales organization in the very near term.

Lincoln Benefit Sold - No applications will be accepted after July 24

 

The Allstate Corp. announced a definitive agreement Wednesday to sell Lincoln Benefit Life to Resolution Life Holdings, Inc., a British-owned U.S. company, for $600 million. More information will follow as it develops. The transition rules are as follows:

 

  • Any informal/trial apps that are not processed by the end of business on July 18, 2013 will be closed out immediately
  • Applications dated on or before July 18, 2013, and received in the home office on or before July 24, 2013, will be accepted.
  • Underwriting decisions for business submitted and received by these dates will be made no later than October 31, 2013
  • Underwriting cases with outstanding requirements as of October 30, 2013, will be closed without a decision
  • All initial modal premiums must be paid on or before November 30, 2013
  • Money for 1035 exchanges must be received on or before November 30, 2013

7/17/2013

Vegas Extravaganza of Excellence - Save the Date
WE ARE PREPARING AN EVENT TO TOP ALL OTHERS!
Mark your calendar for December 16-17, 2013, and be sure you're on track to qualify. This year is the 10th anniversary of the Partners Advantage Vegas Extravaganza. Powerful presentations from nationally respected professionals who have been electrifying producer audiences throughout the country - view more information here.

7/16/2013

Where Does Premium Finance Work? Find out in our July 25 webcast
Partners Advantage is pleased to bring you Kenneth J. Buckley Jr., an MDRT Top of the Table member, who will take you through the steps of helping you to create a successful, long term premium financing program. Join our webcast on
Thursday, July 25, 2013
10 a.m. PT, 11 a.m. MT, 12 p.m. CT, 1 p.m. ET

7/3/2013

New Responsibilites Announced

Riverside, CA (July 1, 2013) - It is with great pleasure that I announce the promotion of Greg Olson to National Sales Director for the Advantage Division of Partners Advantage effective July 1, 2013.

Greg joined Partners Advantage almost 7 years ago and has been a leader in recruiting and sales efforts for the Company.  In Greg's expanded role, he will be charged with driving national recruiting, sales, and profit goals for the Advantage Division through his team of Life and Annuity Business Development Specialists and seasoned Brokerage Directors.  In addition, Greg will join the Senior Management Team for the Company to strengthen relationships with our valued customers, strategic partnerships, and Carriers to meet our overall sales goals. He can be reached at golson@partnersadvantage.com or ext. 226.

"In his new role, Greg will bring solid leadership that will enhance our ability to serve our growing network of valued Producers.  His passion for serving our customers is infectious and I'm confident it will lead to great things in the future for all stakeholders involved." - James Wong, President of Partners Advantage

 


7/1/2013

July eNews

6/28/2013

Important Changes on Term Apps $200k and Below
By July 1, all term life apps $200,000 and below will need to come through via electonic application. View details here.
 
Learn how to save time, money and hassle with eApps and carrier quick tickets. Join in one of our educational webcasts here.

6/11/2013

Partners Advantage Executive Leadership Announcement

Riverside, CA (June 11, 2013) – Scott Tietz, founder and Chief Executive Officer of Partners Advantage Insurance Services, LLC, a national insurance marketing organization, announced the following changes in the company's executive leadership. James Wong was named President of Partners Advantage and will lead the day-to-day management of the overall company and its divisions. Read full press release here.

 
 

6/3/2013

June News & Updates
View more news, updates and sales insights here.

5/31/2013

Announcement from Mutual of Omaha - Whole Life Express

Several months ago, we released Living Promise Whole Life insurance to address the need for a product that functions more like a true final expense product and offers premiums in line with our competition.

As we continue to evaluate our product offerings, it is sometimes necessary to eliminate products that are no longer key parts of our long-term strategy. Effective June 1, 2013, we will discontinue sales of our Whole Life Express (WLE) product.

Whole Life Express – Transition Rules

Date

Action

May 31, 2013

All applications must be signed on or before this date.

June 14, 2013

All applications must be received in the Home Office by this date.


5/30/2013

North American 1% Commission Blitz Bonus Extended through June 30

5/17/2013

Term Apps $200k and Below Move to eApp Only by July 1

Effective July 1, 2013

New Submission Requirement for ALL TERM business $200,000 and below:

Effective July 1, 2013, all term life policies $200,000 in face amount and below must be submitted electronically though the iGO e-AppTM or carrier quick ticket - all available on the Partners Advantage agent website.

Learn more in our webcast on May 28 - Register Here.

More information here. 


5/6/2013

Effective May 13, 2013 Genworth will decrease rates on Colony Term 10,15 and 20 by an average of 6% across all age groups
  • Genworth will start accepting applications for new Colony Term Rates as of May 13, 2013. (Except Oregon old rates apply, NY not available)
  •  Point-of-sale systems will have the new rates effective May 13, 2013.  LQR, iLQR and aLQR will have new rates effective May 13.  
  • Larger rate decreases will be implemented in targeted markets that include ages 35-55, no nicotine use classes.
  • Applications to receive prior pricing must be received by June 14, 2013. 
  • Genworth is implementing a new HIPAA form so as soon as possible begin using the new HIPAA form but we will accept the current forms throughout this transition.

5/1/2013

May News & Updates

4/19/2013

Trans Family Products now available on iGO
Make life easier, less paper, and quicker underwriting. Any questions, please call your favorite marketer at Partners Advantage.

4/16/2013

Partners Advantage Launches New Mobile App for Advisors and Insurance Professionals

Partners Advantage Insurance Services, LLC announced the launch of a new mobile application for Apple and Android devices. Technology is more important than ever and it is helping professionals in all industries manage their businesses more efficiently. This new mobile app will
allow Partners Advantage producers to manage their business on the go via their Apple or Android smart phone or tablet device.

View full press release here.


4/15/2013

North American Launches New FIA - Learn More
Learn more about this new product here. Join the free webcast on April 17.

4/15/2013

Got Life Apps Under $200k? Big Benefits with Online Apps!

5 Benefits of Online Life Applications:

1. It’s Easier and You Get Paid Faster
2. Get More Cases Placed
3. Stay in Control of Cases and Spend More Time Selling
4. Full Compensation
5. More Clients

Read more here.


4/2/2013

April Sales Tips & Insights
Learn how to update your phone skills for better appointment setting results and much more in the April eAdvantage newsletter.

4/2/2013

North American 1% Commission Blitz Bonus Special!!
 
NA - North American Company
1% Commission Blitz Bonus Special on all NAC RetireChoiceSM applications received from 02-11-13 to 04-15-13. 1% Commission Blitz Bonus Special on all
NAC RetireChoiceSM applications received from
2-11-13 to 4-15-13.
 
NAC RetireChoiceSM
Fixed Index Annuity offers:

 

 
Uncapped Crediting Method Options (a Participation Rate may
be applied)
  Up to 10% Premium Bonus1 with optional Additional Benefit Rider

Other features include:

  • Up to 3.10% Annual Point-to-Point Cap Rate2
  • Five Index Options with Uncapped and Capped Crediting Methods (a Participation Rate may be applied)
  • Partial Interest Credits at Death
  • Optional Additional Benefit Rider – For an annual cost of 0.55% for the 10-Year Option and 0.60% for the 14-Year Option, add this rider and your clients receive:
    • Additional Premium Bonus1
    • Additional Payout Benefit
    • Enhanced Penalty-Free Withdrawals3
    • Return of Premium
 
     
  Call Sales Support today at 866-322-7066 for complete information on the NAC RetireChoice Fixed Index Annuity.  
     
     
 
FOR AGENT USE ONLY. NOT TO BE USED FOR CONSUMER SOLICITATION PURPOSES.
This product is issued by North American Company for Life and Health Insurance®, West Des Moines, IA. Product features and riders may not be available in all states. The NAC RetireChoiceSM is issued on form LC/LS160A (certificate/contract), LR431A, LR424A-1, LR423A, AE520A, AE533A, AE529A, AE532A, AE531A, LR433A, AE530A, AE528A, AE511A and LR427A (riders/endorsements) or appropriate state variation. In order to be eligible for the 1% commission bonus the application must be received between 02-11-13 and 04-15-13. The NAC RetireChoice fixed index annuity may not be available in all states. All taxes generated by earnings are the agent’s responsibility. IRS Form 1099 will be issued. The commission bonus applies to personal production only. The commission bonus is not available to agents who do not earn commission or agents who have commission assigned. The 1% commission bonus applies to new applications only. Renewal premium in existing NAC RetireChoice annuity products is not eligible for the commission bonus. The 1% commission bonus will apply to applications received on or after 02-11-13 through 04-15-13. Applications received prior to 02-11-13 will receive the current commission rates without the 1% commission bonus. All decisions are at the sole discretion of North American Company and all decisions are final. Commission bonus may be modified or discontinued at any time without any advance notice given. Commission bonus will be paid through normal commission channels.

1. 10% premium bonus based on the NAC RetireChoice 14 with the optional Additional Benefit Rider added at an additional cost. Products that have premium bonuses may offer lower credited interest rates, lower Index Cap Rates and or lower Participation rates than products that don’t offer a premium bonus. Over time and under certain scenarios the amount of the premium bonus may be offset by the lower credited interest rates, lower Index Cap Rates and or lower Participation Rates.

2. Rate is current as of 01-02-13 and is subject to change. Rate listed is for the S&P 500 Annual Point-to-Point for the NAC RetireChoice 14. “Standard & Poor’s®”, “S&P®”, “S&P 500®”, “Standard & Poor’s 500” “Standard & Poor’s MidCap 400” and “S&P MidCap 400®” are trademarks of The McGraw-Hill Companies, Inc. and have been licensed for use by North American Company for Life and Health Insurance®. The product(s) is not sponsored, endorsed, sold or promoted by Standard & Poor’s and Standard & Poor’s makes no representation regarding the advisability of purchasing the product(s).

3. Withdrawals taken prior to age 59½ may be subject to IRS penalties. Under current law, annuities grow tax deferred. An annuity is not required for tax deferral in qualified plans.

 
17919Z-HTML | PRT 02-13
 

3/18/2013

Partners Advantage Appoints New VP of Underwriting

Partners Advantage Insurance Services, LLC is pleased to announce the appointment of Lisa Morris as its Vice President of Underwriting and Development. As part of her responsibilities, she will direct and develop the company's underwriting strategies. Read full press release here.

 
 

3/11/2013

SIMPLE SOLUTIONS® Asset Gathering Roadmap
Partners Advantage is excited to announce the SIMPLE SOLUTIONS® Asset Gathering Roadmap developed by Mike Albertson, $20+ Million Producer. Join us at 9 a.m. Pacific, 10 a.m. Mountain, 11 a.m. Central, 12 p.m. Eastern to hear Mike's story. How he went from being just the "insurance guy" to a successful $20 Million producer. Annuity sales will pay your bills, but managed money could change your life. What are you waiting for?
Register to learn these proven strategies that could potentially change the life for you and your family!

3/8/2013

Take a Test Drive of the Partners Advantage Academy
Take advantage of this special opportunity to access the Partners Advantage Academy for 30 days at no cost.
Learn more HERE.

3/5/2013

It's Time for More Green - March eNews

2/8/2013

New - Allianz 222 Annuity

Allianz 222 Annuity offers the traditional benefits your clients expect, such as potential indexed interest, principal protection, and tax deferral. But it goes one step further by giving them the flexibility they want-with no income rider fees. Register now for a webcast to learn more.


2/6/2013

IMPORTANT NOTICE ON ALL PENDING MONEYGUARD ILLUSTRATIONS/APPLICATIONS

Lincoln Financial announced a MoneyGuard price change this week.  The change impacts single pay designs only, with an increase of up to 5%.  Flex pay pricing is unchanged.  In addition to the price change, the minimum specified amount of a MoneyGuard policy is being raised from $25K to $50K.


The deadline for submitting cases on the existing (old) rates is February 15th.  Pay particular attention to the formal transition rules contained in the announcement from Lincoln Financial.  This deadline has multiple components, including the submission deadline, producer licensing requirements necessary to meet the deadline, as well as a reminder about the timing of the PHI required to preserve the old rates.
Contact ext 274 for applications or any questions

2/4/2013

February eNew

1/24/2013

February Rate Release- Missouri

Rate adjustment for Mutual Missouri Medicare supplement effective February 1, 2013. Call Paula at Ext 274 for the new rates and application!


1/10/2013

Mobile Term Quote Engine - We've Got an App for That!

Contact the Life Express Department to learn more about the App we how have available to allow you to term quote from your tablet or smartphone.

888-251-5525, Ext. 704


1/9/2013

Washington Household Discount Changes United of Omaha Medicare Supplement

Effective with applications signed on or after February 1, 2013, the following applies:

  • In order to be eligible for the household discount, an individual must be a spouse, civil union partner, or domestic partner who also owns or is issued a Medicare supplement policy underwritten by United of Omaha or its affiliates.
  • No longer will the discount apply to any Medicare eligible adult whom the applicant has resided with for the past year.
  • Any policyholder who has a household discount in effect prior to this change will not be affected.

1/9/2013

February 2013 Rate Release United of Omaha Medicare Supplement- Utah
Rate Adjustment effective February 1, 2013 on new business for Utah United of Omaha Med supp. Please contact Paula Wendte at ext 274 February 1st for the new rates.

1/2/2013

What Does AG 38 Mean to You?
Actuarial Guideline 38 (AG 38) was introduced in 2003 to clarify NAIC Regulation Triple-X, which set forth reserve requirements for all universal life products that have secondary guarantees (i.e.—No-Lapse Guarantees). Changes from the most recent amendment to AG 38 will take place very soon.
 
FOR AGENT USE ONLY. Not for use in solicitation or advertising to the public.
This communication is not intended to serve as legal or tax advice.

12/31/2012

Effective January 15,2013: important requirements for all Allianz producers
 

Effective January 15, 2013:
Important requirements for all Allianz producers

As you are aware, most states have already adopted the NAIC Model Regulation, which contains suitability requirements producers must adhere to prior to offering annuities in those states.

To comply with federal law (The Harkin Amendment to Dodd Frank) requiring the NAIC Model to be adopted nationwide, effective January 15, 2013, Allianz Life Insurance Company of North America (Allianz) will require all producers (regardless of state) to complete product training prior to issuing fixed or fixed index annuity business.

 
 

 

 
 
 

Fixed and fixed index annuity product training

Allianz requires completion of product-specific training which explains the key features of our annuities. While we have offered product-specific training for some time, we will now require producers to complete training prior to issuing fixed or fixed index annuity business.

If you have not already completed your Allianz product training, you can access approved product training courses here:

Simply complete the appropriate training module for the product you wish to sell.

Upon completion of training via Business Builder, Allianz will be notified. You do not need to provide documentation.

   
 

 

 
 
 

We anticipate the fixed and fixed index annuity training requirements to become a pre-solicitation requirement in the second quarter of 2013, so if you haven’t completed it already, why wait? Get a head start and complete your training today!

For questions or assistance with your next case, call the FASTeam at 800.950.7372.

 

12/5/2012

Aviva NLG Life Product Changes Effective Jan. 1

Aviva Changes on No-Lapse Guarantee products effective January 1. View Aviva announcement and transition dates here.

As you have heard for the past year, the regulatory and economic environment has greatly impacted No-Lapse Guarantee products. Carriers have responded with significant changes in their NLG portfolio and others have withdrawn completely from this market.

Aviva has already announced changes to our No-Lapse Guarantee premiums to comply with new reserving requirements defined by Actuarial Guideline 38 (AG 38). The changes include:

  • Suspending Guarantee UL Solution in all states and will not introduce the product in New York.
  • Suspending the No-Lapse Guarantee Rider on Empire Solution III in New York.
  • Reducing commissions on Advantage Builder and Aviva Survivorship Builder, on sales with and without the No-Lapse Guarantee Rider. New rates are effective for applications signed on or after January 1, 2013. Applications that meet this deadline will need to be submitted by January 15, 2013 to receive current commission rates. New commission schedules will be available January 2, 2013.  For most Aviva cash contracts, this means a 20 point reduction from your current commission schedule. There will be no commission changes in New York. 
  • Limiting annual NLG premium to $300,000, including planned premiums, lump-sum payments and 1035 exchanges. These limits will be effective on policies issued on or after January 1, 2013.
  • No longer allow internal and external term* conversions to policies with the No-Lapse Guarantee Rider attached.

Also in response to the low interest-rate environment, Aviva is limiting all annual premium on non-NLG policies, without prior Home Office approval, to $1 million. This includes planned premiums, lump-sum payments and 1035 exchange payments. These limits will be effective on policies issued on or after January 1.


12/4/2012

December Advantage News
Important updates, training and sales ideas. Learn more in our December Advantage Newsletter.

11/26/2012

Good News - You're Only 6 life sales away from a new iPad!

Receive a FREE iPad when you submit and pay for 6 life policies through iGO e-App, American National and Partners Advantage. It's fast with iGo e-App! 

View Details Here.


11/8/2012

Great News! North American Announces Rate Increase

Great News!

North American Company for Life and Health Insurance® announces an interest rate increase on their annuity portfolio effective Thursday, November 8! 

 
Please contact us at 888-251-5525 in order to obtain the current rate sheet.

10/31/2012

Underwriting Insights: Family History
When it comes to life insurance underwriting, family history criteria can vary widely and hinge upon some very specific issues. Read more in the full article.

10/17/2012

Partners Advantage Becomes Exclusive Source of Hoopis Performance Network Training Platform for Independent Insurance Professionals

Some of the top producers and sales trainers in the industry now available through the Partners Advantage Academy.

Riverside, CA (October 1, 2012) - Partners Advantage Insurance Services, LLC is pleased to announce the launch of an exciting new training platform - the Partners Advantage Academy.  This exceptional training platform provides independent insurance professionals working with Partners Advantage with the opportunity to participate in an extensive online community where they can access training, continuing education, licensing, coaching, mentoring and motivational tools all in one location. 

Read complete press release here.


10/16/2012

Retirement Income Gap Sales Tool

Learn how to close more Fixed Indexed Annuity sales and how to close the income gap for your clients. Ask us about the exclusive Retirement Income Gap Sales Tool from Partners Advantage. Call the Annuity Advantage Team at 888-251-5525, Ext. 709.


10/10/2012

Learn more about the Partners Advantage Academy - register for a free webcast introduction

Learn more about how to access some of the top producers and trainers in the industry. Free webcast with an overview of the Academy.

See dates and time here.


9/28/2012

ING Shares Study and Video that Stresses the Importance of Life Insurance

ING U.S. Study: Many Say Life Insurance is More Important than Ever in the Current Economy

Family is the key driver for purchase decisions.

Share this video, press release and insurance needs calculator page with your clients. View here.


9/2/2012

Generate Qualified Life Prospects

Learn more about the Tuition Rewards program. Join an upcoming informational webcast - click here for details.


9/1/2012

Secure-T UL is a Preseason Favorite

Protective Promotion 
Protective Life Insurance Company has improved its Secure-T UL rates again! Between August 13 and November 12, 2012, the agent that submits the most Secure-T applications during this time will take home the grand prize. Get in it to win it!
» Click here for details.


8/8/2012

Suspension of Sales of United of Omaha Living Care Annuity

As the economic environment evolves, it is necessary to adjust to current economic realities.   In the current low interest rate environment, changes are necessary.   The unique long-term care features of the Living Care Annuity product combined with the low interest rate environment have put increased pressure on the viability of that product.  As a result we have made the difficult decision to suspend sales of the United of Omaha Living Care Annuity product effective August 31, 2012

This change will have no impact on previously issued contracts. 

Transition rules:  Applications must be signed and received in the Home Office in good order no later than August 31, 2012

If you have any questions please contact the Linked Benefit Department at 888-251-5525 ext 715


8/4/2012

Annuity Power Hour & Building Blocks of Knowledge

Learn proven annuity sales techniques every Monday on the Partners Advantage Annuity Power Hour Webinar.
Mondays at 9 a.m. Pacific, 10 a.m. Mountain, 11 a.m. Central, 12 p.m. Eastern

August 6 – Building Blocks of Knowledge Series:How to Make it Easier for a Prospect to Understand and Make the Buying Decision to Purchase a Fixed Annuity with Brian Mann and Bob Williams.

August 13 - Building Blocks of Knowledge Series:  How to Best Position Insurance Industry Indexing to Increase Your Fixed Index Annuity Sales with Brian Mann and Bob Williams.

August 20 - Learn All About the New 401k Regulations and How to Take Your Annuity Business to the Next Level by Capitalizing on Rollovers and In-Service Distributions by Leveraging our New 401k Sales Kit with Brian Mann and Kalem Mackey.

August 27- Building Blocks of Knowledge Series: Learn How to Increase Your FIA Sales by Taking the Mystery Out of Crediting Methods with Brian Mann and Bob Williams.


8/3/2012

Generate More Qualified Life Prospects Live Training Workshop

Join us for a LIVE training workshop on SAGE Scholars Tuition Rewards in California. Space is limited!

Learn How our Tuition Rewards Points Program through SAGE Scholars Generates Qualified Prospects and Increase Your Permanent Life Insurance Sales with Brian Mann.

Tuesday August 14 at 9 am Pacific
Thursday August 30 at 9 am Pacific

For more information, contact the Partners Advantage Life Express Team at:888-251-5525, Ext. 704

Click Here to Register


8/2/2012

IUL Training and Selling System

Building Blocks of Knowledge Series: Indexed Universal Life

Learn How to Best Position Insurance Industry Indexing to Increase Your Indexed Universal Life Insurance Sales webinar with Brian Mann and Bob Williams.

Click Here to Register - Friday August 3 at 9am Pacific 10 am Mountain, 11 am Central, 12pm Eastern

Click Here to Register - Friday August 10 at 9am Pacific 10 am Mountain, 11 am Central, 12pm Eastern

IUL Selling System

Learn How to GROW Your Life Business with ONE STOP for LIFE - click here to view online intro

Join our One Stop for Life webcasts to learn about a powerful system for selling IUL products – built on experience from the field. See how you can double, triple, quadruple and more for the target premium on a simple case!

Register for the 8 week training now: Click Here
9 am Pacific, 10 am Mt, 11 am Central, 12 pm Eastern


7/31/2012

Linked Benefits The Future of LTC is Now

Learn about Life, Annuity and LTC combo products
Show your client the many benefits provided by Life/LTC and Annuity/LTC combo products. The market for these products is huge and they provide incredible opportunities to generate new sales. Learn about these effective solutions for your clients.

Tuesday August 7  8 a.m. Pacific, 9a.m. Mountain, 10 a.m Central, 11 a.m. Eastern

Wednesday August 15   8 a.m. Pacific, 9a.m. Mountain, 10 a.m Central, 11 a.m. Eastern

Tuesday  August 21   9 a.m. Pacific, 10 a.m. Mountain, 11 a.m. Central, 12 p.m. Eastern


7/16/2012

Making the Underwriting Process Work More Quickly for You

Learn the top tips to expedite underwriting. By being proactive, instead of reactive, you can get your case through underwriting in a more efficient manner and avoid the several pitfalls that cause a case to be delayed. Click here to read more.


7/12/2012

Suitability & Compliance Corner

Tips to Deal with Customer Complaints
Be thorough and be prepared. Here are some great tips to help you in the instance of a customer complaint.
» Click here to learn more.
Do you have compliance or suitability questions? Call Partners Advantage at 888-251-5525, ext. 130. 


6/25/2012

Ron Shah Appointed VP of Operations and Information Technology

Partners Advantage Insurance Services, LLC is pleased to announce the appointment of Ron Shah as the Vice President of Operations and Information Technology for their corporation. Shah has served as the Director of Information Technology for Partners Advantage since 2009. His new responsibilities reflect the company’s accelerated focus on technology and operations efficiencies. Read more.


6/11/2012

Medicare Supplement enhancements from Mutual of Omaha

Medicare Supplement enhancements from Mutual of Omaha – new E-app and new products!

Mutual of Omaha New E-app Feature. Details here.

Mutual of Omaha Medicare Supplement product and the new sample rates for updated states. Learn more.

Effective July 1, Omaha Insurance Company will be the only Mutual of Omaha company writing Medicare Supplements in Kentucky, Maryland, Michigan, Pennsylvania and West Virginia. Please note that applications on “older” products in those states will no longer be accepted.



6/7/2012

Linked Benefits The Future of LTC is Now (Free Webinars)

Join us for one of our upcoming Linked Benefit Webinars. We will tell you how you can get your client LTC with a single premium and they will never have to worry about rate increases again.

Register now by clicking on one of the links below. 

Wednesday, June 20, 2012 8:00 AM – 9:00 AM PDT 

Tuesday July 10, 2012 8:00 AM - 9:00 AM PDT

Wednesday July 25, 2012 9:00 AM – 10:00 AM PDT

If you have any questions, please call Laurie Prouty-Kayser or Paula Wendte at 888-251-5525 Ext. 715


6/4/2012

Training to Grow Your Sales

Take a look at upcoming annuity, life and health training - click here.


5/7/2012

ColonySM Term UL Rate Changes and Colony Term UL 30 Temporary Suspension

The Genworth Financial companies announce an increase to rates on ColonySM Term UL 10 and ColonySM Term UL 20. Additionally, we will temporarily suspend sales of ColonySM Term UL 30. We believe that our strategic focus and actions are a prudent path for Genworth and support our commitment to our customers, producers and the Main Street consumers we serve.

Read Full Details


5/7/2012

Partners Advantage Reports Impressive Growth and Expands to New Headquarters

Riverside, CA (April 17, 2012) – In today’s economy it has been difficult for companies to survive, much less
thrive. In just the past five years, a challenging economy and competitive pressures have led a number of
independent insurance marketing organizations (IMO) to close, merge or sell. During this period, Partners
Advantage Insurance Services has continued to experience strong growth and expand its sales, staff and
services. The privately-held company has seen its revenues grow by 600 percent over the past five years.
As a result of its continued growth, Partners Advantage Insurance Services has relocated its headquarters to a
new and larger facility in Riverside, California. The move was precipitated by the company’s growth and the
desire to consolidate the operations of three California offices under one roof. The location also provides
addition space for the company to enhance its services and training opportunities for the agencies and
financial professionals it serves throughout the country.

Click to read full press release


4/26/2012

Commission and Product Changes for Genworth Colony Term UL

Very Important Commission and Product Changes for Genworth Colony Term UL

Effective April 13, 2012, all Colony Term UL policies with a $100,000 death benefit amount or lower that are eligible for Life Quick Request (LQR) must be submitted through LQR or the iLQR process through iPipeline or no commissions will be paid.

Genworth will NOT pay commissions on any Colony Term UL application of $100,000 and below received after April 13, 2012 (regardless of application signed date) if the application is eligible for Genworth's Life Quick Request process and is not submitted through LQR or iLQR. Compensation will not change for policies submitted through LQR and for policies that are not eligible for LQR.

Life Quick Request site at www.Genworth.com/lifequickrequest

Read full details here


4/16/2012

Partners Advantage has Moved! New Address and Fax Numbers

Please Note: Partners Advantage has moved - please use this new address for ALL LIFE & ANNUITY Apps:

4204 Riverwalk Pkwy, Ste 300, Riverside, CA 92505

Click here for new FAX Numbers.


4/4/2012

Article by Partners Advantage CEO featured in Senior Market Advisor magazine

Should you buy, sell or merge? Learn more about mergers and acquisitions in this article by Scott Tietz, President & CEO of Partners Advantage. It was featured on page 24 of the February 2012 Senior Market Advisor magazine, Click here to read full article.


4/2/2012

April is National Financial Literacy Month

That's right! April is National Financial Literacy Month - use this as a great opportunity to better educate your prospects and clients. Ask your Partners Advantage marketer for more information about compliance approved, consumer-ready articles to help you enhance your clients' financial literacy.


3/30/2012

New Book Provides Guidance on Mergers & Acquisitions

Scott Tietz, President & CEO at Partners Advantage Authors a Book on Mergers & Acquisitions

In just the past five years, a challenging economy, competition and financing have led a number of independent marketing organizations (IMO) to rise and fall, merge or sell.  At the same time, the insurance industry is aging. As the field force and owners are now entering their 50s and 60s, they are searching for options and exit strategies which allow them to receive payment for the value of the businesses they have built.

After directing six mergers and acquisitions for his company during the past five years, the President & CEO of Partners Advantage Insurance Services, LLC, decided to share what he learned along the way. Scott Tietz, CLU, has published a new book entitled Mergers & Acquisitions 101: What All Independent Marketing Organizations Need to Consider to Survive and Thrive in Today’s Changing Landscape. The book is focused on providing guidance to others in industry who are considering their options.

The book is available by request through the author.

Click here to read full press release.


3/12/2012

Lincoln Financial Moneyguard Compensation Structure

Lincoln Financial has announced changes to their compensation structure on their very popular Moneyguard Reserve and Reserve Plus products effective 3/10/2012.  Due to the persistent low interest rate environment and the desire to keep Moneyguard profitable for the company and attractive to consumers and agents, producer compensation has been changed to 6%.  Lincoln also made changes to their less popular flex-pay version on Moneyguard.  You can call 888-251-5525 Ext. 715 for the Linked Benefits team at Partners Advantage for more information. If you would like to get a quote or join one of the webinars we are having March 13th and March 27th just give us a call or email us at health@partnersadvantage.com . You can also check out the training section of our website www.partnersadvantage.com to learn more.


3/6/2012

Partners Advantage Appoints Director of Project Development

Partners Advantage Insurance Services, LLC is pleased to announce the appointment of Juan Pablo Troncoso Philippi as the Director of Project Development. As of part of his responsibilities, Troncoso Philippi will implement strategies for special projects, including directing the company’s SAGE Scholars Tuition Rewards® program. He will also train managers on sales and marketing programs to enable them to be replicated on a national basis. Among his priorities, he will be focused on enhancing multicultural exposure and understanding of the company’s marketing programs throughout the life and annuity industry. He will commence his duties in early April.

Click here to view full press release.


2/1/2012

Exclusive Income Gap Tool

Find out more about the exclusive Income Gap Tool from Partners Advantage. Contact your Annuity Team representative for details.


1/31/2012

North American Company Offers Guaranteed Issue Accidental Death Accidental Death Benefit (ADB) Rider to Inforce Policyholders

North American is  pleased to present a direct mail marketing program that will earn you commissions with virtually no effort on your part. Beginning in early 2012, an offer for guaranteed issue ADB coverage will be sent to eligible North American term life policyowners. Offers will not be sent to policyowners who have already elected an ADB rider on their policy. The benefit amount offered has been tailored to each client.

Where may I obtain more information about this program? At www.producersinfonet.com, click on the Sales Support menu and select, “ADB Program.” In this section, you’ll find:

  • Examples of the materials that will be sent to policyowners
  • An overview of the program
  • Answers to frequently asked questions

North American is proud to offer this additional coverage to its valued policyowners while giving you the opportunity to increase your earnings!

For additional information about this ADB Rider program, contact Sales Development at 800-800-3656, ext. 10411 or email at salessupport@nacolah.com.


1/18/2012

New Life e-App from American General

American General has just introduced the AG Quick Ticket which is offered on their AG Secure Lifetime GUL, AG Select-A-Term and AG ROP Select-A-Term. Access it on the Partners Advantage website - just login and find it in the LIFE section on the e-Apps tab,


1/5/2012

Underwriting Expertise - What Makes Us Different

Many independent marketing organizations claim to offer underwriting expertise. But, at Partners Advantage we actually live up to our promise. Strong case management skills and good relationships with the underwriting staff at our life insurance carriers are very important. But our true understanding of impaired medical risk and our ability to research, position and discuss a client’s medical history “underwriter to underwriter” often sets Partners Advantage apart from its competitors and gives your cases the best placements and rates.

Click Here to read more.


11/17/2011

Brian Mann Elected to NAFA Board of Directors

The National Association for Fixed Annuities (NAFA) has elected Brian D. Mann of Huntington Beach, Calif., to join its board of directors during the association’s annual meeting held on Oct. 20 in Boca Raton, Florida. Mann is the Senior Vice President for the Annuities and RIA Divisions for Partners Advantage. Click here to read full press release.


11/9/2011

Suitability and Compliance Director Announced

Partners Advantage Appoints Ria Cruz to Direct Suitability and Compliance
Colton, CA (November 9, 2011) – Partners Advantage Insurance Services, LLC is pleased to announce the appointment of Ria T. Cruz as the Director of Suitability and Compliance. As of part of her responsibilities, Cruz will provide an added layer of suitability and compliance review as professionals submit their clients’ applications. She will also interface with insurance companies and financial institutions on related issues. She will also serve as a resource for financial services professionals appointed through Partners Advantage who have questions on compliance and suitability issues. Click here to read full press release.


7/8/2011

Partners Advantage Receives 2011 George Vlaisavljevich Memorial Award from Fidelity Life.

Partners Advantage was honored to be the recipient of the 2011 George Vlaisavljevich Memorial Award from Fidelity Life.
Click here to read more.


7/1/2011

Attractive New E&O Coverage

New E&O Coverage Option through Partners Advantage:
Now available on the Partners Advantage Agent Website. After you log in, go to the Contracting & Licensing section and click on E&O Program. Benefits to new program include:

  • Build your own policy & pay for only what you need
  • Automatic Underwriting
  • Low premiums
  • Deductible waived if claim arises on business placed through Partners Advantage