News

4/21/2017

Use a fact finder to help you relate to your clients and provide them with the best solutions for their situation
Use a fact finder to help you relate to your clients and provide them with the best solutions for their situation. http://ow.ly/AK7J30b2cbO

4/20/2017

Are PowerPoints Your Best Friend or Your Worst Enemy?

View the full post here.


4/19/2017

IUL: Cost Is An Issue Only In The Absence of Value
The issue of cost is brought up very frequently during conversations around life insurance and especially permanent life insurance. https://lnkd.in/gagzn7a

4/18/2017

Americo Updates Suitability Form

If you are having difficulty viewing this e-mail, click here.

Americo has published a new Financial Suitability Form, AAA8378 (04/17) and Financial Suitability Supplemental Form, 11-193-1 (04/17). The new forms are available on The Forms Store and should be used with all LibertyMarkSM fixed indexed annuity applications in all states except Florida effective immediately. New business may be returned and/or there may be a delay in the processing of the application until the correct form is received by Americo.
Reminder: To avoid using outdated applications, disclosures, or forms, we encourage you to discard/recycle any older versions of these documents you may have. The most current versions are available 24/7 on The Forms Store at www.legacynet.com.
 

4/14/2017

Partners Advantage is hiring!
Partners Advantage is hiring! Click the link to learn more about the available positions, and who to contact for more details. https://lnkd.in/gfGu59Q

4/14/2017

A.M. Best Upgrades the ratings of Athene’s Operating Companies to "A"
 

Message from Chris Grady

We are very pleased to report that A.M. Best upgraded the financial strength rating of Athene Holding's (AHL) operating companies to "A" (Excellent) from "A-" (Excellent) and the Issuer Credit Ratings (ICR) to "a" from "a-". The outlook of the credit rating was revised to "stable."

Best's ratings and analysis assess the financial strength and creditworthiness of insurance companies. The "A" financial strength rating is Best's third highest rating out of 16 possible ratings and is given to companies that have an excellent ability to meet their ongoing financial commitments.

Click here to view more.


4/13/2017

Revised Disclosures for All Annuity Products, Effective April 10 -EquiTrust
To view as a web page click here.

Revised Disclosures for ALL Annuity Products Use Now...Required April 10th

As announced on March 1st, a Terminal Illness Rider has been added to all deferred annuities. The no-cost rider offers a surrender-charge-free withdrawal of up to 75% of the Accumulation Value in the event of a terminal illness. The rider is included with new contracts issued on or after March 1st, for all issue ages.

Due to the addition of the Terminal Illness Rider, all annuity product disclosures have been revised. The revised disclosures are dated 03-17.

You may use the revised disclosures immediately. Either the 03-17 or most recent versions will be accepted through April 7th.

New 03-17 disclosures will be required for all annuity applications received on or after April 10th.

While the Terminal Illness Rider does not apply in all states or to Confidence Income Annuity, the 03-17 disclosure requirement applies to all annuities in all states.

The revised disclosures are available now on AppBuilder. Be sure to replace any previously printed application packets with the revised disclosures.

To view as a web page click here.


4/12/2017

The Official Delay of the DOL Fiduciary Rule – Now What Happens?

View the full post here.


4/12/2017

The Official Delay of the DOL Fiduciary Rule – Now What Happens?
We all had a sigh of relief hearing the official delay of the DOL Fiduciary Rule until June 9. While Partners Advantage has been preparing for the April 10 rule implementation for over a year, we are celebrating the news of the rule’s delay. However, Partners Advantage will continue to prepare for possible future changes. http://ow.ly/K2ND30aO9Ks

4/12/2017

FGL’s Holiday Business Schedule for Good Friday
View this email as a web page here

FGL’s Holiday Business Schedule for Good Friday

Fidelity & Guaranty Life’s offices will be closed on Friday, April 14, 2017 in observation of the Good Friday holiday. The commission cycle will process as scheduled, however, EFT funds may be delayed accordingly due to the holiday. SalesLink will be updated and commission checks will be mailed on Monday, April 17, 2017

Please inform your downline agents of this holiday schedule. Contact us at salesdesk@fglife.com with any additional questions or click below to visit SalesLink.

Have a safe and happy holiday!

View this email as a web page here


4/11/2017

Athene product changes in California

Click here to view carrier original html

Product changes in California

Effective April 17, 2017 for products sold in California

We're revising Athene products sold in California in response to recent regulatory changes. Revisions include a decrease in Withdrawal Charge percentages and Premium Bonus Vesting percentages. We're also increasing Premium Bonus percentages in some instances.

In addition, a new Market Value Adjustment (MVA) calculation will be applied to all products issued with an MVA in California. Please see the Certificates of Disclosure (CODs) for details and download our new MVA Guide (17653).

Click here to view carrier original html


4/11/2017

Athene product changes in California

Click here to view carrier original html

Product changes in California

Effective April 17, 2017 for products sold in California

We're revising Athene products sold in California in response to recent regulatory changes. Revisions include a decrease in Withdrawal Charge percentages and Premium Bonus Vesting percentages. We're also increasing Premium Bonus percentages in some instances.

In addition, a new Market Value Adjustment (MVA) calculation will be applied to all products issued with an MVA in California. Please see the Certificates of Disclosure (CODs) for details and download our new MVA Guide (17653).

Click here to view carrier original html


4/10/2017

ATTENTION MARKETERS: Upcoming marketing campaigns -North American|Annuity
 

ATTENTION MARKETERS:

Upcoming marketing campaigns include: Click here for details.

4/10/2017

OneAmerica Good Friday Closure
 
Holiday closure on friday, april 14

Please make note that OneAmerica® will be closed on Friday, April 14, for Good Friday. All departments, including Underwriting, will be unavailable on Friday. 

Normal operations will resume on Monday, April 17, 2017. 

Please contact your internal wholesaler with any questions.
 

4/6/2017

The DOL Rule Delay Is In...What Now?

View the full post here.


4/5/2017

North American|Annuity: Official 60-Day Delay of Fiduciary Rule

Trouble viewing this message? View in web browser.

Official 60-Day Delay of Fiduciary Rule

The DOL has announced a 60-day delay of the Fiduciary Rule’s applicability date. While we are still reviewing the particulars of the delay, we can share that we are treating June 9, 2017 as the new DOL applicability date, not April 10, 2017.

What does this mean for you?

Trouble viewing this message? View in web browser.


4/3/2017

Partners Advantage has been preparing the solution for our financial professionals
Although there is still uncertainty on whether the DOL Fiduciary Rule will go live on April 10, 2017 Partners Advantage has been preparing the solution for our financial professionals to meet this "go live" date. Are you ready? Call us at 888-251-5525, Ext. 700 for assistance.

3/30/2017

Human's Defense Mechanisms: Fight or Flight

View the full post here.


3/30/2017

Human's Defense Mechanisms: Fight or Flight
For our ancestors to have survived prehistoric/ancient frightening predators and harsh environments, we as humans have been given built-in defense mechanisms that have never left our DNA. Paradoxically, these same defense mechanisms are instilled in our clients’ brains and can be counterproductive to making wise financial decisions today.  http://ow.ly/ILPS30aptnz 

3/29/2017

A Newsletter from the West Region - Legal & General America
View this email online
 
March 2017
APPcelerate Automated Underwriting – Eligibility Expansion
 
You’re probably already familiar with our APPcelerate process, which is our simple automated underwriting solution available exclusively through the AppAssist program. For the past year, we’ve been working hard to improve and expand the program parameters.  Earlier this month, we implemented new parameters into the eligibility requirements at certain ages, so that more of your clients may qualify for APPcelerate:
View this email online

3/28/2017

Important New Business Form Updates - Athene

Updated New Business Applications and Suitability Forms

Our New Business applications and Suitability forms have been updated and will be available on Athene Connect starting April 7, 2017.

Old applications and suitability forms will be accepted through 4 pm CT on May 5, 2017. Old forms received after that time will be considered "not in good order" and new forms will be required prior to issue.
 

3/27/2017

One simple trick for writing great marketing emails
When we write an email to a group of people, we often write defensively, protecting ourselves so that we don’t seem unprofessional or come across as too personal or give away too much information. Here is one simple trick to writing great marketing emails. https://lnkd.in/gEFU436