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March 31, 2015 – April 6, 2015
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Compliance Guidelines Now Include Social Media Legal & General America's social media guidelines differentiate between content that is static and content that is interactive. Static content is subject to review; interactive content is not, although at times the lines may be blurred. AppAssist AppAssist shifts the administrative burden of term application fulfillment and case management from agencies and brokers to us – allowing you to concentrate on truly valuable activities – finding new clients and matching their needs with the right coverage. Transition Ends for Life Choice UL and Life Value Term on April 10 - Issued policies no longer include MediGuide Medical Second Opinion.
- Life Choice UL will be withdrawn for new sales and conversions on April 10, 2015.
- Life Value Term (our modified ART product) will also be withdrawn on April 10, 2015.
- Winflex Web and Winflex desktop will cease to be supported by LGA effective May 14, 2015.
Save Money with Drop Ticket How you can save clients approximately 50% (or purchase 100%+ more life insurance for the same premium) in exchange for 15 minutes of the advisor’s time, one hour of the client’s time and the underwriting process Reasons to Sell Life Insurance Outlines ten reasons advisors should incorporate life insurance into their practice
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Immediate Elite & Dominator Plus Annuities Discontinued At Allianz Life Insurance Company of North America (Allianz), we continually evaluate our product strategy and product portfolio. As a result of this evaluation, effective April 28, 2015, we will be discontinuing sales of Immediate Elite® Annuity and Allianz Dominator Plus® Annuity as well as removing the Select Index Allocation Rider, Optional Death Benefit Rider, and Unemployment Rider from certain products. Help build your business with the Success with FIUL Kit Fixed index universal life (FIUL) insurance is one of the fastest-growing segments in today’s life insurance marketplace. Our newly updated Success with FIUL Kit can help you prospect for new clients, and help educate your existing clients about the benefits and tax advantages of FIUL. New Prospecting Tools Now Available Help build your fixed index universal life (FIUL) insurance business with new prospecting tools from our Life Insurance in Retirement Kit. Our new prospecting tools were designed to help you get in front of more potential clients to talk about how FIUL can play an important role in their overall retirement strategy. What factors drive our FIUL renewal rates? Learn the factors that can impact your clients' fixed index universal life (FIUL) insurance policy's renewal rates with this new informational piece exclusively for financial professionals.
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Help Client Close the Retirement Gap Our Retirement Income Gap Calculator can help show clients if they are falling short of their retirement income goal. Read a success story on how one financial advisor helped a client overcome the gap. Principal Indexed Universal Life Flex Principal IUL Flex offers affordable protection and upside potential. Growth potential is fueled by two index-linked account options, including our unique Total Return Account that includes dividends in the growth measure. Check out a comparison of the options available to your clients. Refreshed Preferred Underwriting Criteria In an effort to help you more easily determine which of your applicants may qualify for Preferred or Super Preferred classes, we've refined and retooled our Preferred underwriting criteria using a more traditional knock-out method. New Advisor Website It helps make it even easier to work with The Principal®. The site offers these highlights: - Quick access to top tools and resources
- Improved search
- More public content without logging in
- Mobile-friendly view from tablets and phones
Alerts for Life Policy Issued, Life Policy In Force and Life Lapse Activity.
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Prudential Shares Tips for Millennials during ‘Financial Literacy Month’ Americans age 25 to 34 and defined as Millennials, are likely on the cusp of their prime earning years and at the stage of their lives where they are experiencing or considering significant milestones such as getting married, buying a home and/or having children. Yet, for many, immediate priorities are overshadowing the need to think about and plan for their financial future. Women in Power: Prudential executives named to Black Enterprise’s prestigious list Lori Dickerson Fouché, chief executive officer, Prudential Group Insurance, a business unit of Prudential Financial, Inc., and Sharon C. Taylor, senior vice president, Human Resources, stood out among thousands of candidates, across numerous industries, to make Black Enterprise’s 2015 “50 Most Powerful Women in Corporate America” list.
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Revised New Business Forms Available for Immediate Use We have revised our New Business Suitability and Request for Funds forms. The revised forms are available for download on Athene Connect. The version date, 11/14, is noted in the lower right-hand corner of all pages. Agents should begin using the revised form immediately. We will continue to accept the previous versions (dated 3/14) in application packages submitted through May 15, 2015. Customer Identification and Suitability Confirmation Worksheet (17341) Request for Funds (13405)
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April Rate Changes Help Your Clients "FIT" Into Lower Rates The FIT credit program lets your clients move up to two tables. Be sure to get the best rates for your clients. Don't Forget About the Great New TLA Rates Term Life Answers' new Preferred Plus, Preferred Nontobacco and Standard Nontobacco rates are the best rates we have ever offered. An Alternative to Return-of-Premium Term Life If your clients like Term Life with an ROP option, they may like this even better - Guaranteed Universal Life with a Guaranteed Refund Option. Long-Term Care: Using the Buy-Up Option to Buy Down Use the Buy-Up Option to protect your clients from inflation. Introducing the DI Student Plan Mutual of Omaha is targeting specific occupations in the professional student market for DI coverage. Good/Better/Best Premium Rate Options Available on Winflex A new alternative premium rate option is being added to WinFlex on April 1, 2015.
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Term Conversion Extended The opportunity to convert term policies and add our Long-Term Care Services Rider (LTCSR) has been extended to April 30, 2015. Updated 1040 Tax Form Overlay
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ANICO SPIA Competitive Pricing Please see attached our SPIA Analysis and comparisons for April 2015. Note those ages and payouts highlighted in yellow is where American National is most competitive for ANICO and ANICO NY. Tops in many cells including #1 or #2 in 20 and 30 Year Period. Certain. Cash is King Also attached is our incentive cash bonus for writing agents for fixed annuity sales until April 30, 2015 (for non-NY annuity business) as well as our pre-approved agent ad on our Palladium SPIA. ANICO Palladium SPIA Guaranteed income your clients can't outlive, with partial withdrawal or full surrender available. Eases worry over lack of access while providing highly competitive payouts.
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MYGA Interest Rate Decrease Effective April 8, 2015 Effective April 8, 2015 interest rates are decreasing on the North American Guarantee ChoiceSM Multi-Year Guarantee Annuity (MYGA) for the 5, 8, 9, and 10-Year surrender charge periods. New interest rates will apply to applications received in the Home Office on or after April 8, 2015. To receive current interest rates, original applications must be received in the Home Office on or before April 7, 2015. Faxed applications will NOT be accepted to hold rates.
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Term Conversion Update We're approaching another milestone in the transition to Accordia Life. From April 1, all term to permanent policy conversions will be to Accordia Life products. For more information, including an agent guide to our Guaranteed Term Conversion program.
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iPipline iGo TIcket Enhancements! Great news! We have several valuable enhancements to the AG Quick Ticket process that will make doing business with us even easier for you, including new submission steps that are even more user-friendly, a brand-new Go/No Go Process for ticket sub
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Madison Brokerage is Your Life, LTC, Annuity and DI Resource
Single Source Capability™ and proud to be an industry leader in
customer service, technology, and product distribution
You have your clients' backs, we have yours
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