Weekly News

Don't get caught with outdated information. Keep yourself informed with the latest news bulletins from our carriers.
Click here to read archived news!





AIG
Take the 4.5% Test
Submission checklist

Providing complete, accurate information with each application helps ensure the fastest route to underwriting review and approval. Use the new Submission Checklist to make sure your application packet is In Good Order!

Non-Med Underwriting Process enhancement

Now, if your client is found ineligible for non-medical underwriting, the option to continue with full underwriting at the applied for face amount on the applied for product is automatically available. Meaning, in the event of ineligibility you won’t need to go back to your client to ask for alternative product choices or changes to the applied for face amount. Read the announcement.

Client Profile form update
AG News – November 8th

In this issue:
Discover, refine & retain leads
Non-Medical Underwriting just got better
Year-End Processing Dates
Submission Checklist
Real-Time Inforce Illustrations now available
Policy Loan Application revised
Important information for insureds living in Florida and Georgia
Accident & Health Product Sales Being Discontinued

AIG Annuity Bulletin – November 2018

In this issue:
NEW Consumer Engagement Tool!
Experience the Difference this November
Take a page from the Annuity Playbook
Rate flyers
In case you missed it…






Allianz

No bulletins this week.






American National
Precision Credit Underwriting

During the process of reviewing a medically underwritten case, underwriters can apply "credits" for healthy characteristics. Individuals with three or more credits may be able to tip the scales and qualify a case for a rate class reduction!
See the program parameters and credits.
View case studies.

8.97% Cash Flow on SPIAs
Palladium Multi-Year Guarantee Annuity rates are taking off!





Assurity

No bulletins this week.






Brighthouse

Columbian Life

No bulletins this week.





Exceptional Risk Advisors

No bulletins this week.






Fidelity

No bulletins this week.






Genworth Financial

Illinois Mutual
Updated premium payment coupons and address

Illinois Mutual now uses updated premium payment coupons that direct payments to an updated address using lockbox banking to enhance the level of security and enable faster processing that occurs twenty-four hours a day, seven days a week.

Voluntary Short Term Disability

Worksite Voluntary Short Term Disability can give employees the peace of mind that a paycheck brings. If an employee has a covered injury or illness and is Totally Disabled this plan is a great safety net. Policyowners can use this benefit to cover everyday expenses such as mortgage, utilities and groceries while disabled. As a voluntary benefit, the employee pays 100% of the premium. Contact Jeff at United Underwriters at 800-258-7296 / jphilibotte@uuinc.com to find out how your employer group can qualify for Guaranteed Issue underwriting.






Integrity Life
Sell a 3D FIA!

Indextra Fixed Indexed Annuity is "3D"! Defensive, Differentiated and Diversified. Learn what the 3 pillars mean.

Beneficiary Protection Plan

Do your clients worry whether their heirs will use their inheritance wisely? A beneficiary protection plan can help.

A Guide to Rollover opportunities





John Hancock USA
Introducing Life Insurance with Apple Watch Series 4!

The new Apple Watch Series 4 is now available on all John Hancock life insurance policies with Vitality PLUS for as little as $25! Apple Watch is one of the most popular and engaging features of the John Hancock Vitality Program. Learn more about it.

John Hancock's Long-Term Care Rider

5 reasons to sell it
Because You Asked: Long-Term Care Riders
Myth Busters: Long-Term Care and Chronic Illness Riders
Cost of Care Calculator

Central Intelligence – November publication

This monthly publication and podcast summarizes important court rulings and legislative updates.






Legal & General America

No bulletins this week.






Lincoln National
Online scheduling for MoneyGuard Personal History Interview - now available!

See the User Guide.
Get the Advisor FAQ.
Watch the Demo.
Take advantage of policy eDelivery for even faster turnaround.






Mutual/United of Omaha
Express Newsletter – November 7th

In this issue:
Automated Underwriting for Living Promise
LTC Riders: understanding the differences in design
Make the most of Long-Term Care Awareness Month
Priority Income Protection sales incentive






Chronic Illness Endorsement eligibility update for California

On November 17, 2018, North American Company is updating the Chronic Illness Endorsement eligibility qualifications in the state of California. The change takes effect on applications dated November 17, 2018 or received in the Home Office after November 30, 2018. The process will remain the same in all other states. Read the bulletin.

Life Inforce Agent Correspondence on the website

As of January 1, 2019, copies of Life Inforce Correspondence will no longer be mailed to agents. After this date, copies can only be obtained online through My Business - Inforce Correspondence on northamericancompany.com. Read the bulletin.

Last week at North American Annuities

In this issue:
NEW Strategic Design Annuity X (SDA X) fixed index annuity
Charter Plus premium bonus special
Guarantee Choice 3-year MYGA special
Live ‘Coffee Talk’ morning show to explore SDA X marketing materials – coming this week

1% premium bonus increase special on Charter Plus fixed index annuity

This premium bonus special will apply to applications received in the home office between Effective November 6, 2018 through January 15, 2019. Premium bonus increase special is not available in North Dakota.

MYGA rate special

3-year MYGA rate special
3.00% high-band rate
3-year rate special on Guarantee Choice 3 and Guarantee Choice II (California), multi-year guarantee annuities - effective November 6 through December 31, 2018.

5-year MYGA rate increase
3.40% high-band rate
5-year rate increase on Guarantee Choice 5 and Guarantee Choice II (California), multi-year guarantee annuities - effective November 6, 2018.

Get the rate sheets.






Care Solutions interest rateseffective November 15th





Pacific Life Lynchburg
Who knew fluidless underwriting could be so easy?

Now you can choose the submission method to support your preferred way of doing business. Your clients can qualify for PL Smooth Sailing no matter how you submit the application.

4 things you should look for in affordable term coverage

What should you look for in affordable term life insurance coverage for your clients?
Competitive premiums in 10-, 15-, 20-, 25-, and 30-year periods
Marketing and operational support from a broad-market expert
Strong brand recognition and financial ratings
Attractive conversion option
See how PL Promise Term measures up. Download the client guide.






Principal

No bulletins this week.






Protective Life
A more flexible solution for GUL cases

Protective Indexed Choice UL pairs strong lifetime guarantees with cash value potential, which gives clients more flexibility than the standard GUL. We also use a more practical cap rate to help keep policy fees lower than the competition, so clients are more likely to get the cash value they expect.






Prudential
Life Essentials Newsletter – November 5th

In this issue:
Year End: important dates and reminders
An industry expert shares why you should take a fresh look at insurance products
Move your business forward with PruFast Track






Royal Arcanum

No bulletins this week.






No bulletins this week.






Securian Financial
5 ways clients can pay for care

What happens when what if becomes what now? Even the best-laid retirement plans can be derailed by unexpected health care costs. Help your clients protect their assets and preserve their legacy during Long-Term Care Awareness Month. With one of the most competitive long-term care (LTC) and chronic illness (CI) product portfolios in the industry, we have the tools you need to help protect your clients and grow your business:
SecureCare Universal Life (SecureCare)
Chronic Illness Conversion Agreement (CICA)
Accelerated Death Benefit for Chronic Illness Agreement (CIA)
Chronic Illness Access Agreement (CIAA)
CareShield Universal Life (CareShield)






No bulletins this week.






Transamerica
Trendsetter LB changing in California

Effective November 17, 2018, Trendsetter LB is being updated from its current 2015 version to Trendsetter LB 2017. Learn more.

Give this to clients before the holidays

November is LTC Awareness Month, and families will be getting together soon for the holidays. Give your clients this Becoming A Caregiver Guide to help start the conversation about planning ahead for their loved ones. Planning now may give them and their loved ones more flexibility, financial freedom, and control.

That's where Transamerica's Financial Foundation IUL (FFIUL) can help. Featuring a death benefit, plus optional Long Term Care Rider with potential for LTC benefits to grow over time, FFIUL is a truly flexible choice. Plus it provides the ability to include living benefits and the potential for cash value accumulation.

New rates for Trendsetter Super – effective November 17th

See where Transamerica wins and view transition rules.








Say GOODBYE to tedious life insurance paperwork...

and say HELLO to Drop&Go!


Read testimonials.   Request a demo.