new beginnings and fresh starts
The Monday after our virtual Spring IDA Meeting, I woke up to find this young moose helping herself to fresh fruit blooms and early flower sprouts (fittingly they were my bleeding hearts). 
The topics of the meeting were also of new beginnings and fresh starts: 
  • New 7702 regulations - reducing the minimum interest rate assumptions allowing for increased premiums or less death benefit and more cash value accumulation.  
  • New protection based VUL products with guarantees - for clients who are interested in taking advantage of market growth but also seek downside protection.  You can make these even better by adding guarantees and a long-term care rider.  John Hancock joined Nationwide, Lincoln, Securian, and Prudential in this space.  
  • The Great Wealth Transfer - Baby Boomers are expected to transfer $30 trillion in wealth to younger generations.  With our eyes on tax and estate laws, this may create a huge opportunity for advisors. 
Check out the rest of our newsletter for more on the industry. Look for quick one page sales ideas in our New West Shorts.  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 8
Performing an Index Lock is as easy as 1, 2, 3, …
Four easy steps to Index Lock! Our new quick guide can show you and your clients how to lock in an index value in four easy steps.
American General
Life insurance protection for today and tomorrow
Our new Term/GUL Sales concept will help you show clients how Term life insurance can protect against financial risks now, and Permanent life insurance can help alleviate risks in the future - all while staying within their budget.
Affordable short term coverage for pre-retirement needs with Select-a-Term for right NOW.

Convert the term policy to a permanent policy for lifetime insurance needs - with no premium payments during retirement with Secure Lifetime GUL 3 for LATER.

Get the best of both worlds!
Columbus Life
Using Needs Analysis to Sell More IUL
Producers like you have the opportunity to use the life insurance needs analysis process not just to determine how much life insurance is needed, but to create a life insurance plan that is catered to the individual needs of the insured and, if utilized correctly, to place more permanent life insurance. Discover how you could help position Columbus Life’s Indexed Universal Life with your clients and prospects by utilizing a needs analysis process.
NEW Q2 Training Opportunities
Columbus Life’s Q2 webinar schedule begins in April with some attractive topics such as our Traditional IUL, an Advanced Planning Perspective on Life Insurance for Minors, Wealth Transfer and Why Business Owners May Need Life Insurance. 
Global Atlantic
S.T.O.P. – Family
The primary purpose of life insurance is to provide a death benefit to a chosen beneficiary, but there are other possible advantages for a business owner during his or her life. Learn how S.T.O.P. enables you to put life insurance at the center of both income replacement and retirement discussions.
S.T.O.P. – Heirs
A significant portion of a business owner’s estate is often contained in the business itself, an asset that usually needs to be passed on whole. In addition, many business owners have the means and desire to give to charity. With S.T.O.P. you can show how life insurance can solve the estate equalization problem and also amplify a business owner’s charitable giving.
John Hancock
Guaranteed VUL with Vitality upside 
Please join us April 27 at 1:00 p.m. ET for a short interactive webinar led by John Hancock Product and Distribution leaders, where they will explore the all-new Protection VUL and how your clients can leverage its standout value to lower the competitive guarantee-to-age-100 premium by up to 25% with Vitality.*
New VUL Seller’s Guide
There’s never been a better time to tell our VUL story. Make our new VUL Seller’s Guide your go-to resource for telling that story. Containing details on target markets, product features and case scenarios.
Legal & General
Life Insurance is an Important Part of Any Financial Plan
Help your clients understand how affordable term life insurance can be an essential part of their financial plan. Share the consumer-approved flyer
Lincoln Financial Group
Don’t Miss Our ‘Closing The Coverage Gap’ Webinar!
LIMRA asked consumers how long it would be for their family to face financial hardship if the primary wage earner were to die prematurely. Join us on April 13th at 1:00 pm ET to understand the scope of the coverage gap and see the resources you have to efficiently serve these clients. 
LTC Digital Experience
Our newest client-friendly tool that introduces the topic of extended care planning and helps clients prepare for having the care conversation—both with their families, and with you! Available for use in all states. 
Mutual of Omaha
Children's Whole Life Reprice
Effective April 1, 2021, we will be adjusting our Children's Whole Life rates in all cells. Find out transition rules and more.
LTC Sales and Marketing Process and Tools
Our new Sales and Marketing Process brochure breaks the LTCi sales process down into 6 thoughtful steps, helping you organize your approach to long-term care insurance sales.
National Life Group
Spot the Flexible Premium Business You May Be Missing!
Myth: Women Don't Need Life Insurance
Ten benefits of Using Nationwide Intelligent Underwriting
Intelligent Underwriting streamlines the life insurance application process for both you and your financial professionals, and it’s available with most of our term and permanent life insurance products. Our faster and more efficient underwriting process allows you to spend more time growing your business. 
North American
Here To Help With Your Large Cases
Our team goes beyond just pricing the risk to take a holistic approach during underwriting, no matter the case size. Get tips for submitting a large case through North American, our autobind and jumbo limits, and view two large cases we recently approved.
Get Finances Ready For Spring
Along with a return to warmer weather and outdoor activities, spring also means new responsibilities and expenses to consider. Share these four financial considerations with your clients to prepare for the season.
Dig Into Care Solutions With Free Webinars
Learn the basics of our Care Solutions products with suite and concept training webinars every other Friday. Want to go deeper? Join a Care Solutions Live Deep Dive webinar for in-depth modules on key asset-based LTC topics.
Protect Your Clients Beyond the Averages
Long-term care needs are unpredictable and planning based on outdated averages can often leave gaps in your clients protection. Learn how they can be protected for their entire lifetime, not just a few years by accessing our free marketing resources.
Retirement Income Gap Sales Idea
Principal Indexed Universal Life Accumulation II℠ can help business owners fill any projected gap in retirement income. Check out this sales idea
Small and Midsize Business Resources
2020 Principal Financial Well-Being Index: Many businesses say they’re growing—and learning—through uncertainty. Share this article with clients
Buy-Sell Planning
Do your clients have a strategy in place to transfer their business to the right people, at the right time, for the right amount of money? Share business succession in 6 steps
Pairing Term with Lifetime Protection for More Tailored Coverage
Not all life insurance needs are solved with a single, term policy. But permanent products aren’t always the right answer either. Use this brochure to learn how to creatively meet your clients’ life insurance needs with a blended solution.
Hitting the Sweet Spot with Protective Life
Protective offers a variety of products, so you may not always know the right client fit. Our Life Products at a Glance will share everything you need to know about the client fit for each of our solutions. And if you’re looking for tips that can help you deliver the best offer to your client the first time, look at our Underwriting Sweet Spots flyer 
Protect Clients Today from Taxes Their Estate Will Face Tomorrow
With the SECURE ACT eliminating the Stretch IRA strategy for most non-spousal beneficiaries, it’s more important than ever to help clients with a tax-efficient wealth-transfer plan. The Trimester focus continues with Spousal Lifetime Access Trust (SLAT) and Survivorship Standby Trust (SST) concepts. The Playbook Pointers have detailed materials around each. 
Rewarding High-Value Executives with Split-Dollar Life Insurance Plans
High-quality employees provide a competitive edge that can help take a business to the next level. An employer-sponsored, split-dollar life insurance arrangement can help your clients attract and retain their industry’s top talent and stand out as an attractive employer.  Explore our split-dollar marketing tools to boost your knowledge and generate more sales today! 
The Great Wealth Transfer
There is $30 trillion of wealth that is expected to transfer from Baby Boomers to younger generations! Most experts refer to this as "the great wealth transfer." With an average net worth of $1.2 million, 81% of Baby Boomers plan to leave some kind of inheritance for their kids.

The grandparents could gift the premiums to their children, who could then purchase a survivorship policy for the benefit of the grandchildren. If the parents need to access the funds for college funding or for other needs, they would have cash value in the policy. If they don't, the policy's death benefit can pass to the next generation to support the grandchildren's future.
Watch this 5 minute video that walks through this sales idea.

tools of the trade
annuity gram  |  T: 208.622.5211   |   F: 888.747.0974   |   Hailey, Idaho     
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