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American General Life Companies
Starting Annuity Conversations
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Use these opening lines…
and supporting handouts…
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with your clients to start engaging conversations on annuities. That's right. Have interesting and lucrative conversations with your clients on annuities.
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Call for more sales ideas & tools!
888.438.6933
OPTION 3
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American National
American National Presents Annuity Wealth Transfer Case Study
American National Presents Annuity Wealth Transfer Case Study, Click here to read
AXA
AXA on Cover of Barron's; ENLG Discontinuance Update; Charitable Legacy Rider; Website Update
AXA on Cover of December 14 Issue of Barron's
Barron's latest cover article entitled "Time to Buy AXA" highlights the tremendous leadership and financial stability of the AXA organization. It identifies AXA as an entity fully capable of leading the financial industry in a global recovery. Information contained within the article presents a tremendous opportunity on which to capitalize and grow your sales. So, grab a copy of the magazine and put AXA on your radar screen for 2010!
People, Process, Technology
Current Status of New Business and Underwriting Cycle Times: See the flyer to get up-to-date details on our new business and operations support improvements.
ENLG Discontinuance Update
December 31 at 12:00pm EST is the last day applications for IL Legacy I & SIL Legacy with ENLG will be accepted. View the bulletin for more details.
Charitable Legacy Rider
A client’s decision to create a charitable legacy is easier with AXA Equitable’s Charitable Legacy Rider (CLR). View the Frequently Asked Questions flyer to learn more about this rider, available with the Athena Universal Life and Incentive Life Legacy II products.
COI and Account Bonus Improvements
Bring value to clients: View this updated sales flyer to learn more about improvements to current charges or account bonuses.
Website Update
In an ongoing effort to improve www.axa-equitable.com, we are in the process of developing a new feature specifically catered to Blackberry and iPhone devices. This added convenience to axa-equitable.com is intended to offer quick and efficient access to the most critical features and information available on our website. But, we need your help. Take the survey today! Your feedback will help us make the best design choices.
Genworth
GenGuard UL and Colony Term UL Update
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In 2009, the Genworth Financial companies introduced several new products to the marketplace. In the second quarter, we launched the new GenGuardSM suite of guaranteed universal life insurance products, which includes GenGuard ULSM and GenGuardSM SUL. On November 16, we introduced an innovative new product to the marketplace: ColonySM Term UL.
Effective December 14, 2009, GenGuard UL will be available in both California and Nevada. GenGuard UL replaces our popular Lifetime FlexPlus® II product and is priced to be most competitive for death-benefit guarantees* lasting to age 105. GenGuard UL retains several features of Lifetime FlexPlus II, including the customer-friendly secondary guarantee administration and 1035 process. Learn more about GenGuard UL here.
Additionally, as of December 14, 2009, Colony Term UL NY is now available in New York. Colony Term UL NY is an affordable, flexible-premium adjustable universal life insurance product. As with term life insurance, it offers the ability to choose a pattern of planned premiums comparable to term life insurance premiums that can maintain the death benefit for a particular period while providing the flexibility of universal life insurance. Colony Term UL NY allows you to continue to serve the term marketplace with a product that is as attractively priced as - or better than - the Term series. Find out more about Colony Term UL NY here.
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John Hancock
Case in Point Advanced Sales Section
Our new monthly Case in Point details some advanced sales cases that have recently sold. Click here to read the latest Case in Point.
ING
ING ROP Endowment Term Details; Term/UL Combo Sale Strategies Update
ING ROP Endowment Term Details
Find out the differences between ING ROP Endowment Term and the old ING ROP Term products. Click here
Term/UL Combo Sale Strategies Update
The recently announced replacement of ING ROP Term with ING ROP Endowment Term will affect new combo sale cases. This bulletin explains what will change and our ongoing plan for combo sales strategies. Click here
Lincoln Benefit Life
New Tax Topics Microsite
Lincoln Benefit's new Tax Topics Microsite is now available. Click here for the new microsite.
Lincoln Financial
2009 Cut-Off Dates; MYGuarantee Plus Interest Rate Update
For the latest MYGuarantee Plus interest rates click here.
MetLife
One Minute Trainer - Whole Life Single Pay with 1035 Exchange
Here's a quick one minute trainer - how to illustrate a guaranteed paid up whole life illustration design where there is only have a specified 1035 Exchange amount without any out of pocket premiums. Our objective is to maximize the amount of the paid up insurance available after year 1. Click here for the latest One Minute Trainer.
Mutual Of Omaha
Everything You Need to Build Greater Life Sales Success is Right Here, Right Now
Mutual of Omaha’s commitment to the life brokerage market is stronger than ever. You’ve spoken and we’re listening. Take a look at your competitive advantages…the company, the products, the whole package. Our new life sales management team is making sure there’s much more to come.
Strong. Stable. Secure.
Century of Sales - Founded in 1909, we are proud to be celebrating a century of sales and industry experience as a Mutual company. The company has been fulfilling promises to customers for 100 years and will continue to do so.
Product
New Competitive Term Portfolio - “Term Life Answers” features a defined sweet spot between the ages of 40-60 for preferred and standard risk classes; liberal conversion opportunities, commissionable policy fee for face amounts under $500,000; qualifies for our Fit underwriting credit program.
Competitively Priced Survivorship UL “GULS” – features a maximum uninsurable combo of Uninsurable/Table 6; uninsurable client life expectancy must be at least six months.
Full Product Portfolio - We have the products to meet your clients’ needs from simplified issue to guaranteed universal life to current assumption universal life. Think “flexible, versatile and comprehensive.”
Sales Illustrated E-mail Marketing - We know your agents could always use another sales opportunity. Here’s a tool that, quickly and economically provides your agents with new sales ideas and marketing pieces they can use with their clients, all wrapped in a customizable e-mail sent by you.
Underwriting
Fit Underwriting Credit Program – Helps clients who would normally be substandard risks (T2-T4) get a better rate classification if they meet certain medical and lifestyle criteria when applying for our fully underwritten term and universal life policies. $250,000 to $1 million face amounts, $2 million for GUL Survivor.
Medical Underwriting Credit Program - Working with our Medical Directors and Risk Selection Director, we have established credits to our standard underwriting manual to allow for more competitive offers on a case-by-case basis.
Direct Access to Underwriters - Mutual of Omaha underwriters are there to help you – just call, fax or e-mail your underwriting questions. Monthly teleconferences are available to keep you consistently informed on relevant life underwriting topics.
XRAE Quoting Engine - Our life underwriting is now available on XRAE, powered by Rolling Solutions, providing you with faster quick-quoting, informal and formal applications.
Mutual of Omaha’s Winter 2010 Ask Your Underwriter Teleconference Schedule is Available
Join our monthly teleconference for tips and information that can help your case get issued. This is also a convenient time to ask our underwriters questions.
Our educational teleconferences are approximately 20 minutes long and held the second Tuesday of every month at 9 a.m. and 3 p.m. Central Time. Be sure to mark your calendars. Our Winter 2010 topics are::
January 12 - Fit Underwriting Credit Program
Mutual’s hugely successful and effective Fit Underwriting Credit program will be discussed in detail. This is your chance to hear new insights exclusive to teleconference attendees.
February 9 - Tips for New Business Submission
Think you know all the tips and tricks to submitting new business? We have additional perspectives to share that could help you even more. Learn about issues that hold up cases and what you can do about them.
March 9 - Atrial Fibrillation
We’re bringing back a popular topic this month! Atrial fibrillation is often associated with other heart diseases and is a major risk factor for stroke. Join our underwriters as they demystify atrial fibrillation. Don’t miss it!
It’s easy to participate!
• There’s no need to pre-register
• Dial in (877) 511-4819 a few minutes before the teleconference of your choice
• Mention “Underwriting” to the operator
If you miss a teleconference
You’ll find the Underwriting teleconference series on Sales Professional Access. Go to the Support tab and click on Underwriting.
Prudential
Term Insurance Is About More Than Just Price; Close Sales with Pru's Term Portfolio; 3rd Quarter Financial Results
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Close Sales with Pru’s Term Portfolio
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Term Insurance Is About More Than Just Price
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Term Elite is a Win-Win For You and Your Clients
(for Producers)
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Changes to the Term Portfolio (Nov. 2, 2009)
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Strength of the Rock (3rd Quarter Results)
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Transamerica
Transamerica - Time Is Still Available to Help Business Owners Save in 2009
Let producers know that there's still time for Business Owners to implement a qualified plan and receive an income tax deduction for the 2009 tax year.
Read more in this month's Advanced Matters. CLICK HERE.
West Coast Life
New Florida Annuity Suitability Requirements
New Florida Suitability Forms Required Beginning December 25, 2009
Recently, the state of Florida adopted two new suitability forms as part of Florida Rule 69B-162.011. The rule establishes the duties of insurance companies and insurance producers in the sale of annuity contracts to senior customers (age 65 or older), including the purchase, exchange or replacement of such contracts. In accordance with this rule, annuity contracts written on or after December 25, 2009 are subject to use of the two newly adopted forms.
Please Click Here for More Details.
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