April Newsletter
April Newsletter
not so hidden talents
Our Uber driver was kind enough to pull over for us to get a quick picture under this amazing mural.  If you zoom in you'll see what is even more stunning - my custom made earnings!  My friend Katie Mink (yes, I always call her by her full name) is a talented silver smith and has her own side business on Etsy KdMagpie.  From mural art to jewelry maker, find out what your clients' hidden talents might be.  This will come into play when discussing their retirement plans.  Turning a hobby into a business and utilizing Ebay/Amazon/Etsy/Ecommerce are two of the top home business incomes for retirees.  If you missed it, check out our new west short on Retirement Planning.   
Find other quick one-page sales ideas under new west shorts.  Read the rest of our newsletter for more on the industry. And, you can always go to our website for the latest carrier information (updated every week) under Product News & Updates.   

Melissa Church
Director of Marketing
208-622-5211 x 2

Rate Changes Coming On 4/5/22
We continuously monitor and evaluate our products to ensure they align with the promises we’ve made to our new and existing policyholders. Effective April 5, we will be making adjustments to cap and participation rates for our Allianz Life Pro+ Advantage Fixed Index Universal Life Insurance Policy.
Please note not all index rates are changing; our propriety indexes Bloomberg and PIMCO indexes are increasing, along with our fixed rate, while the Blended index is decreasing. click the link below to view the rate changes. View rate changes.
American General
More Ways To Sell With AU+
With the latest expansion for our Agile Underwriting+ program, your clients have wider access to possibly lab-free underwriting and faster approvals. Get Quick Tips
Columbus Life
4 Simple Steps to Teach Clients About IUL
Eric Antonio has designed four simple steps to teach clients about IUL, and how to leverage its benefits to meet their financial needs. 
John Hancock
A quick sales strategy – in “Just a Minute”
Got a minute? Tune in to our new video series and see the value of illustrating Protection VUL with the Bronze Guarantee, showing clients how to lower their premiums – by as much as 25%!  
Legal & General
Life moves fast. How fast can you get peace of mind?
Good thing that we move fast too. Share this video with your clients and help them get affordable term life insurance from Legal & General America today. 
Lincoln Financial Group
New Tool To Bring Clarity And Preparation To Long-Term Care Planning
The MoneyGuard Market Advantage Conversation Catalyst on LFG.com is designed to help clients understand long-term care options, care preferences and associated costs. This dynamic tool provides a personalized hypothetical example of how a MoneyGuard Market Advantage policy could perform and cover future long-term care expenses. 
Mass Mutual
Closing the Gap
With a limit to how much high-income earners can contribute to qualified retirement accounts; MassMutual’s Whole Life 10-Pay policy offers a cost-efficient death benefit protection and potential high cash values that can help fill the income gap at retirement. Check out this Advanced Sales Success Strategy
A Money-Making Machine
Learn how clients can protect their income if they become too hurt or sick to work with disability income insurance, just as they would protect a money-making machine from breaking down. Take a look at this video for a simple walk through.
National Life Group
Implement These Effective Retirement Planning Strategies for Women
Ruth Bader Ginsburg had it right,  "Women belong in all places where decisions are being made." Read more
Top 10 Benefits to using Nationwide Intelligent Underwriting
Our faster and more efficient underwriting process allows you to spend more time growing your business. Tell me more!
North American
Financial planning tips for single parents
Handling finances as a single parent can be a challenge. It’s easy to feel overwhelmed when on your own. Share seven financial tips to help clients get a handle on money and build financial security as a single parent.
Need Marketing Help?
Look no further! We have a dedicated Sales Development Partner that can assist with helping you develop a custom campaign utilizing our exclusive OneAmerica Marketing Store which provides FREE customizable print, email, and social media content. View this flyer to learn more and on who to contact to get started.
Pacific Life
Practice Management Tools at Your Fingertips
Visit the PL Promise microsite to discover ideas, solutions, and practice management tools that can help grow client relationships and unlock new opportunities.
Expedite Your Business With Velocity
In addition to launching our New York term product on a new platform, how else can Protective help you expedite your business? Protective Velocity, our suite of digital tools to support the underwriting process, we can help streamline your processes to reduce administrative work. Please note, Velocity is available nationally, not only for CCT in NY.
Founders Plus UL and Essential UL Will See Favorable Price Changes
As of April 11, 2022, rates for both Founders Plus and Essential UL will decrease in many circumstances. Both products continue to offer affordable death benefit protection, meaningful no-lapse guarantees, and valuable living benefits.  Get the details
New Talk. New Tools. Greater Tax Diversity for Clients
Get a new tool and a new approach to cash value life insurance to use with clients. 
Good News! We’re Eliminating Our COVID-19 Restrictions
While the pandemic isn’t over, we have developed valuable insights. Instead of eliminating eligibility for entire age bands or rate classes, we are considering unique risks for each insured. On April 1, we are easing all remaining COVID-19 participation restrictions for our life products!
Client Approved! Answers To Questions About Required Minimum Distributions
RMDs can be a complicated topic – details can be updated annually. Learn about this year’s updates. Get Answers
Symetra’s New MultiLife Business Program
We have an efficient life insurance solution that can help business clients retain their top talent and protect their business. Our new MultiLife Business Program provides streamlined life insurance protection to multiple key employees through a guaranteed-issue underwriting process designed specifically for them.  
Symetra’s new Accumulator Ascent IUL
Ready for an IUL that can take your clients’ cash value accumulation potential to a higher level? Our new version of Accumulator IUL, Accumulator Ascent IUL, is coming April 8, 2022.  Check out the highlights here  Ascent IUL
New Rates for IUL Products 
These changes will be effective for new index segments starting March 15, 2022. There is no change to participation rates, floors, or asset fees. The new Growth Cap and Maximum Illustrative rates are shown below and can be downloaded here.
tools of the trade
annuity gram
new west shorts
www.newwestinsurance.com  |  T: 208.622.5211   |   F: 888.747.0974   |   Hailey, Idaho     
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