Generated by All in One SEO v4.9.9, this is an llms.txt file, used by LLMs to index the site. # Financial Brokerage A division of Art Jetter & Co ## Sitemaps - [XML Sitemap](https://financial-brokerage.com/sitemap.xml): Contains all public & indexable URLs for this website. ## Posts - [Sales Idea - Fill Retirement Gaps with IUL](https://financial-brokerage.com/sales-idea-fill-retirement-gaps-with-iul/) - Fill Retirement Gaps with IUL Are you aware of all the potential gaps in your clients' retirement plans? Index universal life can help fill those in three different ways: 1- Your clients can tap into index universal life insurance funds during a down market cycle so they don't have to sell at a loss. 2- - [20% More Coverage For The Same Price?](https://financial-brokerage.com/20-more-coverage-for-the-same-price/) - 20% More Coverage For The Same Price? What if there was a way to increase your clients' permanent life insurance coverage by 20%, without increasing their premiums? When a client needs permanent coverage, we typically illustrate a Guaranteed Universal Life (GUL) with no cash value. For the same premiums, a client could purchase: • 20% - [Sales Idea - What if healthcare was built into your retirement plan?](https://financial-brokerage.com/sales-idea-what-if-healthcare-was-built-into-your-retirement-plan/) - What if you could build healthcare benefits into your retirement plan? When your clients need healthcare services in retirement for long term care, they will need to accelerate their spending. What if there was a way to access MORE than what was in their account? There's only one way to do that! Take two minutes - [Life Insurance Quoting – Getting Started With A Basic Price Comparison](https://financial-brokerage.com/life-insurance-quoting-getting-started-with-a-basic-price-comparison/) - The primary term and GUL quoting engine on our website is actually very user friendly. - [Life Insurance Quoting – Beyond The Price, What Else Is Included?](https://financial-brokerage.com/life-insurance-quoting-beyond-the-price-what-else-is-included/) - Life Insurance Quoting Life Insurance Quoting – Beyond The Price, What Else Is Included? - [The Sequence of Returns Does It Really Matter in Retirement?](https://financial-brokerage.com/the-sequence-of-returns-does-it-really-matter-in-retirement/) - The Sequence of Returns Does It Really Matter in Retirement? - [Life Insurance Allocation Tool – A Quiz For Your Clients](https://financial-brokerage.com/life-insurance-allocation-tool-a-quiz-for-your-clients/) - Untitled Document Life Insurance Allocation Tool – A Quiz For Your Clients You've probably heard of asset allocation, but what about life insurance allocation? • How much life insurance do your clients need? • How much should be term or permanent? • What type of permanent life insurance is right for them? Now - [Direct-to-Consumer Life Insurance Sales](https://financial-brokerage.com/direct-to-consumer-life-insurance-sales/) - Learn what’s really happening behind the scenes and how YOU can get your piece of this growing distribution system. - [Seven Reasons To Offer Single Premium Whole Life](https://financial-brokerage.com/seven-reasons-to-offer-single-premium-whole-life/) - The BIG 3 Advantages of IUL Seven Reasons To Offer Single Premium Whole Life "Single premium whole life insurance sounds expensive, that's just for my wealthy clients, right?" While we often associate Single Premium Whole Life (SPWL) with wealthier clients, there are many reasons this product is attractive and appropriate for Middle America. Join me - [He said, she said…Long-term care solutions spouses can agree on](https://financial-brokerage.com/he-said-she-saidlong-term-care-solutions-spouses-can-agree-on/) - We’ll outline the top three priorities for men and women and explore the product types that appeal most to each gender, so you know what to recommend. - [Stacking Strategies with Asset Care](https://financial-brokerage.com/stacking-strategies-with-asset-care/) - strategy of stacking life insurance based LTC policies over time to Mitigate insurability risk, Optimize cost efficiency, Increase sales to clients aged 40-55 - [COVID-19 Underwriting Opportunities](https://financial-brokerage.com/covid-19-underwriting-opportunities/) - COVID-19 global pandemic has changed life insurance underwriting. Both underwriting changes should make life insurance sales faster and easier for everyone involved. - [Sales Idea - Prospecting in a Pandemic](https://financial-brokerage.com/sales-idea-prospecting-in-a-pandemic/) - The 2020 pandemic and recession have caused financial hardship for many people and businesses throughout the world. However, these conditions have also produced new markets for life insurance sales. If you specialize in auto and homeowners insurance or group benefits, you already have the inside track to these buyers. Take a couple minutes to learn - [The BIG 3 Advantages of IUL](https://financial-brokerage.com/the-big-3-advantages-of-iul/) - The BIG 3 Advantages of IUL The BIG 3 Advantages of IUL Index Universal Life Insurance offers many unique advantages over other retirement income products, but three features make the greatest difference to a client's retirement income. In fact, no other product on the market offers this exact same combination of features. What are these - [MYTHBUSTED! Four reasons for life insurance in retirement](https://financial-brokerage.com/mythbusted-four-reasons-for-life-insurance-in-retirement/) - Our plans provide financial assistance in the scenarios where you or your family members require long-term medical or custodial care. - [Sales Idea Episode 63 - Quick Issue Success Story](https://financial-brokerage.com/sales-idea-episode-63-quick-issue-success-story/) - Do you avoid selling life insurance because you think the process takes too long? Learn about Mike, an accomplished insurance agent who has run a successful auto and homeowners agency for over 20 years. He helped his client receive more life insurance than he applied for, with no paramedical exam in just 12 days! No - [Strategic Design Annuity X](https://financial-brokerage.com/strategic-design-annuity-x/) - Learn more about the Strategic Design Annuity X. Its unmatched combination of liquidity and income potential allows financial professionals and clients to design an income plan as dynamic as their lives. - [Why Permanent Life Insurance?](https://financial-brokerage.com/why-permanent-life-insurance-2/) - With one policy you cover part of your client’s pre-retirement death benefit need; you protect against their health care expense need throughout retirement, and they also accumulate cash value in reserve to hedge against other unexpected financial risks in retirement. - [Learn how to get free marketing tools using AtheneConnect.](https://financial-brokerage.com/learn-how-to-get-free-marketing-tools-using-atheneconnect/) - Learn how to get free marketing tools using AtheneConnect. - [AssetShield 5 | 7 | 10](https://financial-brokerage.com/assetshield-5-7-9/) - Hear about American Equity's new accumulation product called the AssetShield and how it can help your client achieve their financial goals. Also, hear about the LIBR increase on the IncomeShield, that also just rolled out. - [NAC Benefit Solutions](https://financial-brokerage.com/nac-benefit-solutions/) - See how a combination of customizable features equals financial security for your clients. - [Relieve your Clients' Policy Loan Burden](https://financial-brokerage.com/relieve-your-clients-policy-loan-burden/) - Stop me if you’ve heard this one before… During a client review you discover that your client has a life insurance policy that has accumulated cash value. However, you also see that loans have been taken from the policy to pay premiums or for funds for your client. Because the policy may not be performing - [Sales Idea - Laid Back Underwriting to Grow Your Business](https://financial-brokerage.com/sales-idea-laid-back-underwriting-to-grow-your-business/) - Did you know some life insurance companies offer non-smoker rate classes to current marijuana users?Don't lose these clients in the weeds. Sometimes the grass is greener on the other side! - [Sales Idea Episode 66 - 40 Year Term Life Insurance](https://financial-brokerage.com/sales-idea-episode-66-40-year-term-life-insurance/) - Sales Idea Episode 66 40 Year Term Life Insurance For decades we thought 30 year term was the longest term life insurance policy a person could buy. Now we have one company offering 40 year term! In less than three minutes, I reveal the optimal market for this brand new term life product. - [Score a Triple Double with IUL](https://financial-brokerage.com/score-a-triple-double-with-iul/) - Score a Triple Double with IUL What if your clients could withdraw triple the amount of money they placed into their retirement plan, for double the number of years? Better yet, what if they could do that with absolutely no downside market risk and no taxes? Well, they can, and you can help them do - [Sales Idea - What Is A Protection Focused IUL?](https://financial-brokerage.com/sales-idea-what-is-a-protection-focused-iul/) - What Is A Protection Focused IUL? A Protection Focused IUL is an alternative to a GUL. It’s designed to last for a client’s lifetime but without a lifetime guarantee. Instead it has a life expectancy guarantee and relies on cash values to maintain coverage for life. If you're like me, you've heard this before, right? - [Sales Idea - Three Largest IUL Sales for Your Commercial Accounts](https://financial-brokerage.com/sales-idea-three-largest-iul-sales-for-your-commercial-accounts/) - Three Largest IUL Sales for Your Commercial Accounts If you work with commercial accounts in the areas of property and casualty, employee benefits or group health insurance, you need to know about the three largest Index Universal Life (IUL) insurance sales you might be missing with your existing clients. We've compiled top sales strategies from - [Why You Need to Review Every Mortgage Term Life Policy Your Clients Own](https://financial-brokerage.com/why-you-need-to-review-every-mortgage-term-life-policy-your-clients-own/) - Why You Need to Review Every Mortgage Term Life Policy Your Clients Own Why should you re-write every mortgage term life insurance contract your clients own? Chances are their old policies don’t include critical and chronic illness benefits. What does that have to do with paying off a mortgage? A mortgage is usually the largest - [Sales Idea - Top Five Most Profitable Life Insurance Sales](https://financial-brokerage.com/sales-idea-top-five-most-profitable-life-insurance-sales/) - Top Five Most Profitable Life Insurance Sales Do you know the top five most profitable life insurance sales you could be making? We've pulled the numbers from several sources to arrive at the five largest average premium sales in the industry. Take a couple minutes to learn how you can be making these sales. - [Sales Idea - Why Offer Worksite Life Insurance?](https://financial-brokerage.com/sales-idea-why-offer-worksite-life-insurance/) - Why Offer Worksite Life Insurance? Why should employers offer Voluntary Payroll Deduction Life Insurance to their employees? most U.S. households are under or uninsured and would not be able to pay for everyday living expenses without the primary breadwinner guaranteed issue underwriting is available - no medical examinations or questions coverage is portable for employees, - [Sales Idea - How to SUPERCHARGE a Retirement Plan](https://financial-brokerage.com/sales-idea-how-to-supercharge-a-retirement-plan/) - How To SUPERCHARGE A Retirement Plan WHAT IS IT? • "Enhanced Funding" or Life Insurance Premium Finance can significantly enhance the long-term cash value accumulation of a life insurance policy. • Financing is obtained through a specialty Lender or Bank that provides a custom loan arrangement. • The annual cost or out of - [When Does $100,000 Equal $1,000,000?](https://financial-brokerage.com/when-does-100000-equal-1000000/) - When Does $100,000 Equal $1,000,000? Did you know that if a 60 year old moves just $100,000 of assets to the right place today, it could save them $1,000,000 of medical expenses in retirement? • cover $1,000,000 of your client's medical expenses for long term care in retirement • preserve $1,000,000 in assets under management - [Sales Idea - Why Use Cash Value Plans For Key Person Policies?](https://financial-brokerage.com/sales-idea-why-use-cash-value-plans-for-key-person-policies/) - Why Use Cash Value Plans For Key Person Policies? Businesses purchase life insurance on key employees to guard against the costs of replacing that person and the business production they represent should they pass away unexpectedly. These businesses typically purchase term life insurance policies to keep expenses low. Unfortunately those low expenses up front might - [A Millionaire For $100/Month?](https://financial-brokerage.com/sales-idea-a-millionaire-for-100-month/) - A Millionaire For $100/Month? What can you get for $100 a month? How about: • $22,000 for college • $30,000 down payment on a home • $70,000 annual retirement income Curious to see how you can do all this for just $100 a month? Watch the video then contact us for an illustration - [Sales Idea 74 - How Do I Value My Client's Business?](https://financial-brokerage.com/sales-idea-74-how-do-i-value-my-clients-business/) - How Do I Value My Client's Business? We know that life insurance to fund a buy/sell agreement is one of the largest premium sales we can make as insurance producers. One major hurdle often involves producing an accurate valuation of the business. Multiple owners may give you different figures, or the business might not have - [Rethink Guarantees - What Your Clients Are Missing](https://financial-brokerage.com/rethink-guarantees-what-your-clients-are-missing/) - Rethink GuaranteesWhat Your Clients Are Missing - [Permanent Life Insurance Decoded How to tell one product from another](https://financial-brokerage.com/permanent-life-insurance-decoded-how-to-tell-one-product-from-another/) - Permanent Life Insurance Decoded How to tell one product from another Have you ever been confused by all the permanent life insurance policy choices available? How is whole life different from universal life? What makes index policies different? What's a no-lapse guarantee? The fifth session in the Life Insurance Basic Training Series will walk you - [The 4 parts of Medicare](https://financial-brokerage.com/michelle-daharsh-explains-the-4-parts-of-medicare/) - Understanding the Four Parts of Medicare - [Medicare Supplements, what they are and how they work](https://financial-brokerage.com/join-tim-dreher-as-he-covers-medicare-supplements-what-they-are-and-how-they-work/) - Medicare Supplements - What they are. How they work. - [Understanding Medicare terminology with regards to enrollment periods](https://financial-brokerage.com/join-tim-dreher-as-he-covers-understanding-medicare-terminology-with-regards-to-enrollment-periods/) - Understanding Medicare terminology with regards to enrollment periods (view on our youtube channel) - [Converting from a MedAdvantage plan to a Medicare Supplement plan](https://financial-brokerage.com/join-michelle-daharsh-as-she-covers-converting-from-a-medadvantage-plan-to-a-medicare-supplement-plan/) - Converting from a MedAdvantage plan to a Medicare Supplement plan (view on our youtube channel) - [IRA to IUL Conversion](https://financial-brokerage.com/ira-to-iul-conversion/) - IRA to IUL Conversion Converting retirement funds from tax-deferred to tax-free status isn’t new. Over the past decade, more and more Americans – helped by financial advisors- have realized that deferring taxes may not be in their best financial interest. In the past, Traditional IRAs were converted to tax-free Roth IRAs. Today, funds from IRAs - [Interested in adding more value to your term life insurance sales?](https://financial-brokerage.com/interested-in-adding-more-value-to-your-term-life-insurance-sales/) - Interested in adding more value to your term life insurance sales? Price is not always the most important feature for your clients. Learn who offers living benefits, premium discounts, streamlined underwriting and the best conversion options. You'll never have to rely on price again! - [Help Relieve your Clients' Policy Loan Burden](https://financial-brokerage.com/help-relieve-your-clients-policy-loan-burden/) - Help Relieve your Clients' Policy Loan Burden Stop me if you’ve heard this one before… During a client review you discover that your client has a life insurance policy that has accumulated cash value. However, you also see that loans have been taken from the policy to pay premiums or for funds for your client. - [Have you heard of the 35-35-35 Retirement Plan?](https://financial-brokerage.com/have-you-heard-of-the-35-35-35-retirement-plan/) - Have you heard of the 35-35-35 Retirement Plan? WHAT IS IT? You probably know several retirement plans by their tax code number, the 401(k), 403(b), 412(i) and maybe even so-called 7702(t) plans. But what about the 35-35-35 plan? Want to see this plan in action? Take a listen to this quick video, then - [Finally!...An IUL Presentation Clients Can Understand](https://financial-brokerage.com/finally-an-iul-presentation-clients-can-understand/) - Accelerate your LIRP sales by using the Ensight visualization software. We'll show you how to turn confusing ledger lines into a full color, interactive display you can share with your clients. This case study makes it easy for clients to visualize their money at work in a tax free, no market risk environment over their - [The Greatest Threat to Retirement Savings](https://financial-brokerage.com/8399-2/) - The Greatest Threat to Retirement Savings What do you think is the greatest threat to your client's retirement savings? It's not stock market declines. The stock market bounces back after a fall, the elderly do not. In fact, once a person reaches age 65, there is a 70% chance they will need long term care - [Eight Elements of Extended Care Riders](https://financial-brokerage.com/eight-elements-of-extended-care-riders/) - Not all extended care riders on life insurance policies are created equally. Do you know the differences? Different combinations will appeal to different clients more than others. View the first part of our video series to learn the eight elements of extended care riders offered on life insurance contracts and find the right formula for - [Vlog Episode 21 - Key Person vs. Buy-Sell](https://financial-brokerage.com/vlog-episode-21-key-person-vs-buy-sell/) - VLOG Episode 21 - Key Person vs. Buy-Sell - [Sales Idea 19 - Two Reasons to Move IRA Funds to Permanent Life Insurance](https://financial-brokerage.com/sales-idea-19-two-reasons-to-move-ira-funds-to-permanent-life-insurance/) - Two Reasons to Move IRA Funds to Permanent Life Insurance Two Reasons to Move IRA Funds to Permanent Life Insurance Do you have clients with money in IRA’s right now? Here are two reasons to consider moving those funds to a permanent life insurance policy: 1) Market risk – The stock market goes up and - [Sales Idea - Is IUL too expensive?](https://financial-brokerage.com/sales-idea-is-iul-too-expensive/) - Is IUL Too Expensive? Is Indexed Universal Life Insurance too expensive? To answer that question you should consider a few things. How long will the policy be in force before I access the cash value? Some of the expenses are both fixed and front-loaded. This means the longer the policy is in force and the - [Sales Idea - Unlock the Power of Indexed Universal Life](https://financial-brokerage.com/sales-idea-unlock-the-power-of-indexed-universal-life/) - Unlock the power of Indexed Universal Life so you can transform your business. With Stonewood software and turn-key marketing programs, you get access to proven IUL sales stories and the tools to close business with them. Seminars and meeting scripts for prospecting. Brochures and handouts for client meetings. Customized IUL proposals to close business. Our - [Sales Idea - IUL or 401(k)? Which is right for your clients?](https://financial-brokerage.com/sales-idea-iul-or-401k-which-is-right-for-your-clients/) - IUL or 401(k)? Which is right for your clients? Many people fund 401(k) plans for retirement savings, but are they right for everybody? Would something else be better? In this video, I explore pros and cons of 401(k) plans when compared to an overfunded index universal life (IUL) insurance policy. For some people, the tax - [Sales Idea 68 - Non-Med IUL on a Budget](https://financial-brokerage.com/sales-idea-68-non-med-iul-on-a-budget/) - Non-Med IUL on a Budget The average index universal life (IUL) insurance premium is just over $9,000 per year. What about clients working with a smaller budget? Can an IUL still work for them? This convenient chart shows retirement income amounts for several ages based on much lower monthly contributions to an IUL. Better yet, - [VLOG Episode 17 - The Greatest Threat to Retirement Savings](https://financial-brokerage.com/vlog-episode-17-the-greatest-threat-to-retirement-savings/) - The Greatest Threat to Retirement Savings - [VLOG Episode 20 – The End of a Term (What Happens Next?)](https://financial-brokerage.com/vlog-episode-20-the-end-of-a-term-what-happens-next/) - [Sales Idea - Final Expense Alternative](https://financial-brokerage.com/sales-idea-final-expense-alternative/) - Final Expense Alternative What if you could offer clients seeking burial insurance more coverage for their money? Well, you can! Clients under age 70 have additional options for their final expense needs. Some companies offer Guaranteed Universal Life (GUL) with no exams for clients under age 70. The premiums are guaranteed to remain level and - [Sales Idea - BIG Estate Tax Problem for Foreign Nationals - Will your clients be affected?](https://financial-brokerage.com/sales-idea-big-estate-tax-problem-for-foreign-nationals-will-your-clients-be-affected/) - Sales Idea BIG Estate Tax Problem for Foreign Nationals - Will your clients be affected? U.S. citizens and permanent residents enjoy an 11.4 million dollar estate tax exemption in 2019. For non-resident foreign nationals with real property or cash in the U.S. that exemption is only $60,000. Their heirs are going to inherit a huge - [Sales Idea - Ready To Increase Your Insurance Agency Profits](https://financial-brokerage.com/sales-idea-ready-to-increase-your-insurance-agency-profits/) - Ready To Increase Your Insurance Agency Profits? If your office is like most insurance agencies, you are extremely busy. You sell life insurance if clients ask but you really don’t have time to pursue new sales. Maybe you don’t feel you possess the necessary expertise to do all these things. Does this sound like you? - [Sales Idea - Six Ways to Get Cash from a UL](https://financial-brokerage.com/sales-idea-six-ways-to-get-cash-from-a-ul/) - Six Ways to Get Cash from a UL Did you know there are six ways your clients can get money from a universal life insurance contract? To demonstrate this, I’ve re-worked the classic bucket illustration that we’ve all seen to help explain cash value life insurance. It shows the money going into the contract at - [Up to 50% Penalty-Free Withdrawal](https://financial-brokerage.com/up-to-50-penalty-free-withdrawal/) - Presented by Deb Strong We all have clients that have concerns about being able to access their money in case of emergencies. In fact, 52% of clients are not comfortable unless they know they have access to some of their money - penalty-free. I call this the sleep well at night feature. - [Life Insurance as Easy as 1-2-3](https://financial-brokerage.com/life-insurance-as-easy-as-1-2-3/) - Life Insurance as Easy as 1,2,3 Buying life insurance can be confusing for consumers. Determining how much life insurance is difficult enough, deciding which type of policy is even more confusing. Financial Brokerage has a life insurance allocation tool that helps simplify the conversation. Not only will this tool help determine how much life insurance - [Is there client risk in a GUL?](https://financial-brokerage.com/is-there-client-risk-in-a-gul/) - So, what risk is there for the client? If a client is going to maintain this contract for a few decades, what are the chances of them missing a premium somewhere along the way? If that happens they void their guarantee. What can we do about this? Take a couple minutes to learn what you - [Unlock the power of Indexed Universal Life so you can transform your business.](https://financial-brokerage.com/unlock-the-power-of-indexed-universal-life-so-you-can-transform-your-business/) - Seminars and meeting scripts for prospecting. Brochures and handouts for client meetings. Customized IUL proposals to close business. Our software and programs take you from “nice to meet you” to “nice doing business with you.” - [Which Life/LTC Insurance Combo is the Best?](https://financial-brokerage.com/which-life-ltc-insurance-combo-is-the-best/) - Which Life/LTC Insurance Combo is the Best? How do you know when to use universal life insurance with a LTC rider or a true hybrid life/LTC product? We usually associate hybrids with clients that can afford larger premiums since these products are usually available as short-pay or single pay plans. Likewise, we propose ULs with - [Taxes Are On Sale! Three Ways to Take Advantage](https://financial-brokerage.com/taxes-are-on-sale-three-ways-to-take-advantage/) - The Tax Cuts and Jobs Act of 2017 lowered Federal income tax rates for most Americans. Even though these rates are historically low, how long will they last? Deficits have increased under the current Congress and the National Debt continues out of control. The Tax Cuts and Jobs Act only made the problem worse. A - [Underwriting with Andrea #6](https://financial-brokerage.com/underwriting-with-andrea-6/) - Declines got you down? Underwriting is both an Art and a Science. Here at Financial Brokerage we know that the clients you protect have their own unique histories that often present Underwriting challenges. With so many options available, knowing where to start can be daunting. Let us help you choose the right carrier the first - [Underwriting with Andrea #4](https://financial-brokerage.com/underwriting-with-andrea-4/) - Declines got you down? Underwriting is both an Art and a Science. Here at Financial Brokerage we know that the clients you protect have their own unique histories that often present Underwriting challenges. With so many options available, knowing where to start can be daunting. Let us help you choose the right carrier the first - [Underwriting with Andrea #5](https://financial-brokerage.com/underwriting-with-andrea-5/) - Declines got you down? Underwriting is both an Art and a Science. Here at Financial Brokerage we know that the clients you protect have their own unique histories that often present Underwriting challenges. With so many options available, knowing where to start can be daunting. Let us help you choose the right carrier the first - [Underwriting with Andrea #2](https://financial-brokerage.com/underwriting-with-andrea-2/) - Underwriting is both an Art and a Science. Here at Financial Brokerage we know that the clients you protect have their own unique histories that often present Underwriting challenges. With so many options available, knowing where to start can be daunting. Let us help you choose the right carrier the first time. Stop Declines before they happen and contact me the next time you've "got a guy" that you're not quite sure where to start with. You might just be surprised at what I'll find… - [Taxes are on sale right now](https://financial-brokerage.com/taxes-are-on-sale-right-now/) - Three life insurance sales ideas to help your client take advantage before it is too late Federal income taxes are on sale right now 2018 Federal income taxes are historically low. Between 1932 and 1986 the top income tax rates were usually above 70%, even spending 15 years above 90%! Rates have been considerably lower - [Why everyone you meet is worth $1,000!](https://financial-brokerage.com/why-everyone-you-meet-is-worth-1000/) - Contact your Life Sales Manager for your next case. Brian Leising CLU, ChFC, CASLLife Sales Manager bleising@fb-inc.com Gary PetersonCLU, ChFCLife Sales Manager gpeterson@fb-inc.com Allen FrisbieLUTCFLife Sales Manager afrisbie@fb-inc.com - [Agent Referral Program](https://financial-brokerage.com/agent-referral-program/) - Are you familiar with the Agent Referral Program at Financial Brokerage? Here is how it works: refer an agent to us and you get a bonus on all lines of their production for 10 years! Submit the referral on our website, and we do the rest for you! Contact your marketing team with questions. Thank - [Looking for Performance and Reliability?](https://financial-brokerage.com/looking-for-performance-and-reliability/) - Looking for Performance and Reliability? Both qualities matter when searching for the best IUL. That’s why our IUL portfolio includes the best performing IUL’s with the most stable companies in the country. The numbers prove it! Your clients want tax free income with no market risk! - [Mind the Gap](https://financial-brokerage.com/mind-the-gap/) - How do you address the great retirement income gap your clients will face in their late retirement years? Do you realize their income gap is YOUR income gap? Many advisors find their clients prefer the life insurance based solutions. Their Income Gap is Your income Gap Video » Using Earned IncomePDF » The Great Income - [Take the worry of paying for medical care out of retirement!](https://financial-brokerage.com/take-the-worry-of-paying-for-medical-care-out-of-retirement/) - Take the worry of paying for medical care out of retirement! - [You don’t have to settle for less than the best](https://financial-brokerage.com/you-dont-have-to-settle-for-less-than-the-best/) - Financial Brokerage has partnered with ITC to provide you with top website technology Insurance Website Builder so your firm can have a great insurance website. What This Partnership Means for You: Your choice from the Silver, Gold, Platinum and Emerald website plans $150 off setup A professionally designed website that is secure, PCI and HIPAA - [Income without fees?](https://financial-brokerage.com/income-without-fees/) - Income without fees? - [Ensight Webinar](https://financial-brokerage.com/ensight-webinar/) - Put Some Life into Your Life Insurance PresentationsThe first proposal visualization platform, providing an intuitive, interactive customer experience. Put Some Life into Your Life Insurance Presentations. Increase Customer Understanding & Sales Conversion. How Do I Start?Want to take a look? Here’s a virtual tour of the presentation system. These presentations are available - [Ensight Proposal Visualization Software](https://financial-brokerage.com/ensight-proposal-visualization-software/) - Ensight™ Proposal Visualization The first proposal visualization platform, providing an intuitive, interactive customer experience. Put Some Life into Your Life Insurance PresentationsHas a life insurance illustration ever lost a sale for you? As insurance producers, we look at pages of numbers every day, we know what they mean, we know - [Mutual of Omaha - Express Newsletter for March 21, 2018](https://financial-brokerage.com/mutual-of-omaha-express-newsletter-for-march-21-2018/) - | Medicare Supplement New Medicare Supplement Plan - KY Effective March 30, 2018, you may begin selling our new competitively priced Medicare supplement in Kentucky underwritten by United World Life Insurance Company, an affiliate of Mutual of Omaha. Broker Bonus Program You can make even more bucks on your Medicare supplement and SELECT underwritten business - [National Western - The Score Newsletter and New Interest Rates](https://financial-brokerage.com/national-western-the-score-newsletter-and-new-interest-rates/) - Annuity Interest Rates – Going Up! Annuity interest rates have changed. Click here to see the new Annuity rates. Click here to view the previous rates. Form Update The WBR Application Supplement form 01-S026OH-16 is now approved - [American Equity - New Product Announcement](https://financial-brokerage.com/american-equity-new-product-announcement/) - New Product Announcement To view more information on American Equity's new product, click here. - [Lincoln Financial - Large Case Capacity - Low Term Rates](https://financial-brokerage.com/lincoln-financial-large-case-capacity-low-term-rates/) - Rely on our large case know-how We've made updates to our rates for Lincoln LifeElements® Level Term, but cost isn’t the only reason to choose us for your large case needs. We offer: * Reinsurance capacity for coverage amounts of $100 million+ * Competitive pricing on convertible term coverage* for 10, 15, 20 or 30 years - [American General - AG News for March 8, 2018](https://financial-brokerage.com/american-general-ag-news-for-march-8-2018/) - American General has issued their latest newsletter. To view the AG News, click here. - [Fidelity & Guaranty - Safe Income Plus FIA Updates](https://financial-brokerage.com/fidelity-guaranty-safe-income-plus-fia-updates/) - FGL Updates Safe Income Plus FIA The changes to Safe Income Plus include: * Updated payout percentage factors * Revised Statement of Understanding Find Out More - [Illinois Mutual - Monthly DI Newsletter](https://financial-brokerage.com/illinois-mutual-monthly-di-newsletter/) - Illinois Mutual has issued their monthly DI Newsletter. To view the newsletter, click here. - [Legacy Marketing - New March Rates and A Classic New FIA has Arrived](https://financial-brokerage.com/legacy-marketing-new-march-rates-and-a-classic-new-fia-has-arrived/) - Legacy Rate Announcement The latest rates are in for Legacy Exclusive Products. To be among the first to know, download the complete package of current Quick Reference sheets, showcasing rate information, product highlights, and state availability. Any changes are indicated in blue. Rates, Dates, and States Introducing ClassicMark—Strength and Simplicity Meet Modern Innovation Legacy - [Americo - Annuity Rate Change Notice](https://financial-brokerage.com/americo-annuity-rate-change-notice-3/) - New Annuity Rates Effective March 8, 2018 The deadline to lock in current rates is March 7, 2018. Applications and money must be received in the Home Office by March 7, 2018, 5:00 PM, Central, in order to lock in current rates. 1035 exchange and transfer money on applications received by end of day - [Mutual of Omaha - Express Newsletter for February 28, 2018](https://financial-brokerage.com/mutual-of-omaha-express-newsletter-for-february-28-2018/) - The Life Insurance for Living brochure and mobile app is a great way to start a conversation with your clients and gather the information you need to take the next steps. TLA Reprice Approved in Oregon We repriced our Term Life Answers rates on February 1, 2018. On February 20, 2018, Oregon approved the - [Lincoln Financial - Business Solutions Newsletter](https://financial-brokerage.com/lincoln-financial-business-solutions-newsletter/) - The new tax code is top of mind for everyone, especially small-business owners. The Lincoln Business Insurance team is prepared to help you become a valued partner to your clients in 2018. To view the newsletter, videos, and webinar, click here. - [Protective - Updates to Protective Indexed Choice UL](https://financial-brokerage.com/protective-updates-to-protective-indexed-choice-ul/) - Click on the link below to get the latest Protective Life updates. Updates to Protective Indexed ChoiceSM UL Maximum Illustrated Rate and Loan Charge Rate - [American National - Rate Increase and Important Information](https://financial-brokerage.com/7302-2/) - American National has issued the following bulletins: * Rate Increase * Product Changes * The Independent Voice - [State Life - Care Solutions News](https://financial-brokerage.com/state-life-care-solutions-news-3/) - State Life has issued their latest newsletter. To read the Care Solutions News, click here. - [Understanding Disability Insurance In About A Minute](https://financial-brokerage.com/understanding-disability-insurance-in-about-a-minute/) - You depend on your income for everything, the big things like home, car, student loans, medical and retirement. You also depend on it for the little things in life. Like cable, cell phones, fitness and clothing. That income can add up to quite a bit over a person’s working career, that’s a lot of money - [Ready for a change?](https://financial-brokerage.com/ready-for-a-change/) - Have you been watching the financial markets lately? It seems that volatility has returned in a big way which is great for CNBC. However, it can be a little scary for most of our clients. It’s also a good time to discuss crediting strategies for indexed annuities. The S&P 500 point to point options have - [](https://financial-brokerage.com/7236-2/) - Fidelity & Guaranty has issued their latest newsletter. To view the News Updates, click here. - [American General - AG News for February 8, 2018](https://financial-brokerage.com/american-general-ag-news-for-february-8-2018/) - American General has issued their latest newsletter. To view the AG News, click here. - [Mutual of Omaha - Express Newsletter for February 7, 2018](https://financial-brokerage.com/7234-2/) - NEW Term Life Answers Rates Our new, competitive Term Life Answers rates will give you your best run yet. Use Age Last Birthday to Your Client's Advantage We are one of the only carriers to use Age Last Birthday rates - promote this great feature with your clients today. Term Life - [John Hancock - SmartProtect Term with Vitality Update](https://financial-brokerage.com/john-hancock-smartprotect-term-with-vitality-update/) - As many of you may know, John Hancock’s Term portfolio is one of the fastest growing term franchises in the industry, with our popular John Hancock Term and John Hancock Term with Vitality products performing well in the market. We are committed to remaining an industry leader in this space by continuing to deliver highly competitive - [Great American - Rates are Increasing](https://financial-brokerage.com/great-american-rates-are-increasing-4/) - Rates are increasing for the products below! Please see the rate chart for more details. Fixed annuity rates effective February 5, 2018. * SecureGain 5 * SecureGain 7 Fixed-indexed annuity rates retroactively effective January 21, 2018. Purchase payments received on or after this date will receive the new rates. * American Legend III * American Landmark 5 * - [American General - Annuity Rates are Improving](https://financial-brokerage.com/american-general-annuity-rates-are-improving/) - Click to view new rates - [American General - In the Know Newsletter](https://financial-brokerage.com/american-general-in-the-know-newsletter-6/) - Keeping you informed To help you stay abreast of the latest legal and compliance news from AIG member insurers, we bring you the most current information on product notices and changes, interest rates, commissions and other legal and compliance matters. To view the In The Know Newsletter, click here. - [American National - The Independent Voice](https://financial-brokerage.com/american-national-the-independent-voice/) - American National has issued their latest newsletter. To view the Independent Voice, click here. - [Mutual of Omaha - Express Newsletter for February 1, 2018](https://financial-brokerage.com/mutual-of-omaha-express-newsletter-for-february-1-2018/) - Have You Seen the Updated CWL iPipeline e-App? On January 22, 2018 we enhanced our Children's Whole Life iPipeline e-App. Find out how some of the new features can make your life easier. Accelerated Benefit Rider Materials Updated for 2018 The Accelerated Death Benefit Rider for Chronic Illness is capped by the IRS - [Great American - Secure American to Retire February 23, 2018](https://financial-brokerage.com/great-american-secure-american-to-retire-february-23-2018/) - Secure American To Retire February 23 The Secure American fixed annuity will retire on February 23, 2018. Applications must be signed by February 23, 2018. Funds must be received by Friday, March 23, 2018. Have You Checked Out Our Newest Product? The American Landmark 5 fixed-indexed annuity may be a simple solution to help your clients reach - [Assurity - New Term Life Insurance](https://financial-brokerage.com/assurity-new-term-life-insurance/) - Assurity Term will be available in CA, DC, DE, FL, ND and SD on February 6, 2018. LifeScape NonMed Term 350 and Term 350 Plus will be discontinued in these states. Applications for NonMed Term 350 and Term 350 Plus that have been signed and dated prior to February 20, 2018, will be accepted as - [American National - Rate Increases](https://financial-brokerage.com/american-national-rate-increases/) - Interest Rate Increases! (Effective 2/1) American National Rate Sheet Highlights: (See Rate Sheets for Details) MYG *Rates increase by 0.10% WealthQuest 5 & 7 *Rates increase by 0.25% Century *Rates increase by 0.25% Pension Fixed Annuity *Rates increase by 0.25% Signature IUL & Signature IUL Plus Illustrated rates Increase No changes to other rates/caps. - [North American - New Underwriting and Electronic Application Part I](https://financial-brokerage.com/north-american-new-underwriting-and-electronic-application-part-i/) - Introducing WriteAwayAccelerated Underwriting North American is excited to introduce WriteAway, a new process for underwriting for your healthiest clients and currently available for ADDvantage Term (watch for availability on permanent products in the future). WriteAway will be available starting January 29, 2018. DOWNLOAD the bulletin to learn about the potential benefits, details on how it - [American General - New Rates and AG News](https://financial-brokerage.com/american-general-new-rates-and-ag-news/) - American General has issued the following bulletins: * New, Lower Rates on Term 250K and Up * AG News - [Americo - New Rates and Compliance Updates](https://financial-brokerage.com/americo-new-rates-and-compliance-updates/) - Americo has issued the following bulletins: * New Rates * Compliance Updates - [Lincoln Benefit - Agent Services Change](https://financial-brokerage.com/lincoln-benefit-agent-services-change/) - Agent Services for LBL Life Commissions and Licensing Moving to Third-Party Administrator Lincoln Benefit Life (LBL) is transferring agent-related services from Allstate to Alliance-One Services, Inc. on January 22, 2018. These changes apply to the agent maintenance, licensing and commission functions. As a reminder, Alliance-One already provides policy-related service for most of LBL's life - [American General - Rates](https://financial-brokerage.com/american-general-rates-and-ag-news-10/) - Rates and AG News American General has issued the following bulletins:* Annuity Rates are Changing - [American Equity - Traditions Gold Discontinued](https://financial-brokerage.com/american-equity-traditions-gold-discontinued/) - American Equity Traditions Gold Discontinued Effective January 31, 2018 the Traditions Gold (ICC11 IDX4)* product will be discontinued in all states. All applications for Traditions Gold must be received in our office by 4:45 p.m.CST on January 31, 2018. Any applications received in our office after January 31, 2018 will not be accepted. Good News! - [Sagicor Life - New Year Annuity Incentive](https://financial-brokerage.com/sagicor-life-new-year-annuity-incentive/) - Get the New Year Started with Sagicor's Rock the New Year Annuity Incentive! To view more details,click here. - [North American - Important Update for New Rapid Builder IUL Sales](https://financial-brokerage.com/north-american-important-update-for-new-rapid-builder-iul-sales/) - Important Update for New Rapid Builder IUL Sales North American is decreasing the current annual premium limit in all policy years on new indexed universal life Rapid Builder IUL life insurance sales from $1,000,000 to $250,000. DOWNLOAD the bulletin to read about important dates, illustration software and SimpleSubmit. - [North American - California Assembly Bill AB1696 Reminder](https://financial-brokerage.com/north-american-california-assembly-bill-ab1696-reminder/) - Reminder: California Assembly Bill AB1696 - Advertising Agent/Agency print requirements To comply with California Assembly Bill AB 1696, the word "insurance" must be in type size that is at least as large as the smallest telephone number shown, or 12 point type, whichever is larger. DOWNLOAD the bulletin for more information - [State Life - Interest Rate Notice](https://financial-brokerage.com/state-life-interest-rate-notice-18/) - Access interest rates effective Jan. 15 New business interest rates for the OneAmerica Care Solutions product suite are changing, effective Monday, Jan. 15, 2018. Annuity Care, Annuity Care II/III and Indexed Annuity Care new money rates are increasing. All other rates remain unchanged. New rates for Annuity Care, Annuity Care II/III and Indexed Annuity Care - [American General - Annuity Rates and Important Information](https://financial-brokerage.com/american-general-annuity-rates-and-important-information/) - American General has issued the following bulletins: New Annuity Rates New ePlatform for AD&D Sales - [American National - New Rates](https://financial-brokerage.com/american-national-new-rates/) - New Rates Lifetime Income Rider Increase & Form Changes Effective 1/1/2018, the fixed interest rate on ANICO Strategy Indexed Annuity PLUS's Lifetime Income Riders will increase by 0.2%. In response to the increased fixed rates, the LIR disclosures will be updated. After 1/1, please use the updated form to avoid a delay in business. - [Great American - New Rates](https://financial-brokerage.com/great-american-new-rates/) - Great news for the new year! Rates are increasing for the following fixed-indexed annuities retroactively effective December 21, 2017! Purchase payments received on or after this date will receive the new rates. The holding account rates will increase January 7, 2018. * Index Protector 7 - caps up to 8.25% * American Legend III - caps up to 6.50% - [Protective Life - Important News](https://financial-brokerage.com/protective-life-important-news/) - Stay Current Click on the link below to get the latest Protective Life updates. New Enhancements to Online Customer Service Options Protective Indexed Choice UL Rate Changes Reminder Protective Survivor UL Rate Changes - [Pacific Life - New Product Conversion](https://financial-brokerage.com/pacific-life-new-product-conversion/) - Introducing: PL Promise Conversion UL Product for PL Promise Term Conversions To view the details, click here. - [Great American - Reminder - Safe Outlook to be Retired](https://financial-brokerage.com/great-american-reminder-safe-outlook-to-be-retired/) - Reminder: Safe Outlook To Be Retired December 29 On December 29, the Safe Outlook fixed-indexed annuity will be retired. In order to submit Safe Outlook business, applications must be submitted to your back office for approval by December 29, 2017. Funds must be received by Friday, March 2, 2018. - [American General - Rates and Important News](https://financial-brokerage.com/american-general-rates-and-important-news-5/) - American General has issued the following bulletins: * Guarantee Client Earnings with these Great Rates * AG News for December 14, 2017 * In Case You Missed It - [Fidelity & Guaranty - Additional Covered Illnesses on Living Benefit Rider](https://financial-brokerage.com/fidelity-guaranty-additional-covered-illnesses-on-living-benefit-rider/) - Fidelity and Guaranty are pleased to announce that we have updated the Critical Illness Rideron FG Life-Choice and FG Life-Elite to include additional covered critical illnesses, effective December 12, 2017. To view more details, click here. - [Mutual of Omaha - Express Newsletter for December 13, 2017](https://financial-brokerage.com/mutual-of-omaha-express-newsletter-for-december-13-2017/) - Help Clients Assess the Indexed Interest Rate Potential Our Indexed Universal Life look-back calculator provides clients with information that can help them assess the indexed interest rate potential for an allocation to each of the S&P 500 crediting options. Learn more about how the calculator works. Living Promise iPipeline e-Application Update Find out - [North American - Website and Commission Statement Updates](https://financial-brokerage.com/north-american-website-and-commission-statement-updates/) - Website and Commission Statement Updates Website Updates The North American Producer Website will feature a new Producer Profile tool - a new way to access your commission, financial and training information. Watch this tutorial video to learn how to navigate the new Producer Profile tool Commission Statement Updates As previously announced, don't forget about - [Great American - Important Updates and Reminders](https://financial-brokerage.com/great-american-important-updates-and-reminders/) - Simple Updates And Reminders Year-end processing deadline To ensure that loan, distribution, RMD and annuitization requests are processed in the 2017 calendar year, all necessary paperwork must be received in the Home Office and in good order by December 15, 2017. Please keep in mind, requests for a 403(b) 401, or 457 plan may require a - [Mutual of Omaha - Express Newsletter for December 6, 2017](https://financial-brokerage.com/mutual-of-omaha-express-newsletter-for-december-6-2017/) - How Were Our IUL Products Designed? At United of Omaha, we designed our IUL products with simplicity in mind. Learn what sets our IUL products apart and about the features that were designed to benefit your clients. Coming Soon: Living Promise e-App Updates We will be updating the Living Promise (Final Expense) e-Application - [State Life - Upcoming Changes to ImmediateCare Plus Conversion](https://financial-brokerage.com/state-life-upcoming-changes-to-immediatecare-plus-conversion/) - Upcoming Changes to ImmediateCare Plus Conversion ImmediateCare Plus was discontinued for new business sales as of Apr. 10, 2017, and is only available via conversion from Legacy Care. As of Jan. 1, 2018, the ImmediateCare Plus conversion option from Legacy Care will be changing to a new, simplified approach using the Chronic Illness Rider on - [Americo - December Rates](https://financial-brokerage.com/americo-december-rates/) - New Annuity Rates Effective December 8, 2017 The deadline to lock in current rates is December 7, 2017. Applications and money must be received in the Home Office by December 7, 2017, 5:00 PM, Central, in order to lock in current rates. 1035 exchange and transfer money on applications received by end of day - [Legacy Marketing - December Rates](https://financial-brokerage.com/legacy-marketing-december-rates/) - Legacy Rate Announcement The latest rates are in for Legacy Exclusive Products. To be among the first to know, download the complete package of current Quick Reference sheets, showcasing rate information, product highlights, and state availability. Any changes are indicated in blue. Rates, Date, and States - [American National - Year End Procedures and New Accelerated Underwriting](https://financial-brokerage.com/american-national-year-end-procedures-and-new-accelerated-underwriting/) - American National has issued the following bulletins: * Year End Procedures * New Accelerated Underwriting - [Mutual of Omaha - Express Newsletter for November 29, 2017](https://financial-brokerage.com/mutual-of-omaha-express-newsletter-for-november-29-2017/) - Comparing IUL Policy Costs While IUL products with elaborate marketing features may be appealing, it's important to look further when you are choosing which product to recommend to your customers. Our new Cost Comparison Flyer helps you uncover one of Income Advantage's greatest strengths - its low cost structure. Coming Soon: Updated Living - [Great American - New American Landmark 5 and Safe Outlook to be Retired](https://financial-brokerage.com/great-american-new-american-landmark-5-and-safe-outlook-to-be-retired/) - American Landmark 5 - A simple retirement solution You're one click away from everything you need to get started. The new American Landmark 5 fixed-indexed annuity is now available, and offers: Competitive earning potential with participation rates up to 70%. Plus, S&P 500 indexed strategy offers caps up to 5.25%! Our shortest early withdrawal charge period yet, with - [American National - Interest Rates](https://financial-brokerage.com/american-national-interest-rates/) - Rates are level for December American National Rate Sheet - [Mutual of Omaha - Express Newsletter for November 15, 2017](https://financial-brokerage.com/mutual-of-omaha-express-newsletter-for-november-15-2017/) - Need Some Sales Ideas to Help You Boost Your Sales? Want sales ideas that can help you position indexed universal life insurance with your clients? Want to know what makes our IUL products unique? We have just the place for you to go. Broker Bonus Program Reminder With the extra business from - [National Western - Interest Rates and Company Address Change](https://financial-brokerage.com/national-western-interest-rates-and-company-address-change/) - Amazing Rates, How Sweet the Sound! You liked us before…you’re going to LOVE us now! Wait until you see the difference 55 additional Basis Points can make. Our Universal Life Interest Rates have change for the better. Increased Crediting Rates Increased Participation Rates Increased Cap Rates The new rates will be effective November 10, 2017. Click - [State Life - Interest Rates and Product Changes](https://financial-brokerage.com/state-life-interest-rates-and-product-changes/) - Access interest rates effective Nov. 15 New business interest rates for the OneAmerica Care Solutions product suite remain unchanged, effective Wednesday, Nov. 15, 2017. View all rates Upcoming OneAmerica Care Solutions product changes At year end, OneAmerica will be making slight changes to our product availability in Massachusetts and New Mexico. * In Massachusetts: ImmediateCare SPIA and - [American Equity - Important Updates and Year-End Processing Deadline](https://financial-brokerage.com/american-equity-important-updates-and-year-end-processing-deadline/) - American Equity has issued the following bulletins: * Great News! Foundation Gold and California Gold Product Updates * Service Forms Update and Year-End Processing Deadline - [Legacy Marketing - New LibertyMark Enhancements](https://financial-brokerage.com/legacy-marketing-new-libertymark-enhancements/) - Legacy Marketing has issued the following bulletin: * New Enhancements Make LibertyMark Even Better - [AG News for November 9, 2017](https://financial-brokerage.com/ag-news-for-november-9-2017/) - To read the latest newsletter from American General, click here. - [John Hancock - Spotlight News](https://financial-brokerage.com/john-hancock-spotlight-news/) - Spotlight News John Hancock has issued the following bulletins: * Spotlight News * Apple Watch Series 3 Now Available * Year-End Dates - [Great American - Rates are Increasing](https://financial-brokerage.com/great-american-rates-are-increasing-2/) - Great news! Rates are increasing for the SecureGain 5 and 7 fixed annuities effective November 6, 2017! Please see the rate chart for more details. - [American General - Rates and In the Know Newsletter](https://financial-brokerage.com/american-general-rates-and-in-the-know-newsletter-2/) - American General has issued the following bulletins: * Index Annuity Rates are Changing * In the Know Newsletter - [State Life - Care Solutions News](https://financial-brokerage.com/state-life-care-solutions-news-2/) - State Life has issued the following bulletins: * Care Solutions News - [American National - The Independent Voice for November 2017](https://financial-brokerage.com/american-national-the-independent-voice-for-november-2017/) - The Independent Voice for November 2017 IRS Releases 2018 benefit and contribution limits for qualified plans. The Internal Revenue Service has issued the new benefit and contribution limits for qualified retirement plans for plan years beginning in 2018. Find out some of the key limitation amounts for the upcoming year. READ MORE Providing - [Legacy Marketing - November Rate Updates](https://financial-brokerage.com/legacy-marketing-november-rate-updates/) - Legacy Rate Announcement The latest rates are in for Legacy Exclusive Products. To be among the first to know, download the complete package of current Quick Reference sheets, showcasing rate information, product highlights, and state availability. Any changes are indicated in blue. Rates, Dates and States FlexMark Select is coming to 17 more states! - [Protective Life - Life Updates](https://financial-brokerage.com/protective-life-life-updates/) - Protective Life Bulletin Stay Current Click on the link below to get the latest Protective Life updates. * ExtendCare Rider Approved in Connecticut * Protective Life Launches ProClassic II UL - [Mutual of Omaha - Express Newsletter for November 1, 2017](https://financial-brokerage.com/mutual-of-omaha-express-newsletter-for-november-1-2017/) - The Growth Potential of Income Advantage IUL Learn why indexed universal life insurance is the fastest growing permanent life insurance product on the market. And, find out how our Income Advantage IUL policies have been performing. TLE Portfolio Updates Approved in OR Our Term Life Express portfolio modifications are now approved in - [Great American - Rates are Increasing](https://financial-brokerage.com/great-american-rates-are-increasing/) - Rates Are Increasing! Great news! Rates are increasing for the fixed-indexed annuities below retroactively effective October 21, 2017! Purchase payments received on or after this date will receive the new rates. Please see the rate chart for more details. * Safe Return * American Legend III The holding account rate for the American Legend III - [American National - Rates are Level for November](https://financial-brokerage.com/american-national-rates-are-level-for-november/) - American National Rate Sheet - November - [Legacy Marketing - One Powerful FIA - Multiple Upgrade Options](https://financial-brokerage.com/6943-2/) - Upgraded EARNINGS Potential Flexible rate banding—With accumulation value of $200,000 or more, clients are bumped from the "standard" to "upgraded" rate band.Fee options—Clients can pay an index strategy fee and receive higher caps and participation rates. Upgraded rate band PLUS fee option?! Even greater earnings potential! Multiple index strategy choices including two uncapped participation rate - [American National - Important Life Updates](https://financial-brokerage.com/american-national-important-life-updates/) - American National has issued the following bulletins: Signature Term to Signature GUL Conversions New Limited Pay Whole Life - [American General - AG News and Service Improvement Plan](https://financial-brokerage.com/american-general-ag-news-and-service-improvement-plan/) - American General has issued the following bulletins: AG News for October 12, 2017 Service Improvment Plan - [State Life - Interest Rate Notice](https://financial-brokerage.com/state-life-interest-rate-notice-17/) - Access interest rates effective Oct. 15 New business interest rates for the OneAmerica Care Solutions product suite remain unchanged, effective Sunday, Oct. 15, 2017.View all rates - [National Western - Commission Bonus Extended](https://financial-brokerage.com/national-western-commission-bonus-extended/) - More Time to Earn Your 1% Commission Bonus on Annuity Business The 1% commission bonus has been extended! The bonus now applies to annuity applications* received between September 15, 2017 and November 15, 2017, and issued-and-paid by December 29, 2017. *Excludes NWL Prevail Seven and all SPIAs. Bonus is payable to the writing agent - [Fidelity & Guaranty - Convenience+ Advantage Accelerated Underwriting](https://financial-brokerage.com/fidelity-guaranty-convenience-advantage-accelerated-underwriting/) - In our continued effort to make it easier for you to do business with FGL, we are very pleased to announce a new program called FG Life Convenience+ Advantage accelerated underwriting! To view more details, click here - [American Equity - Foundation Gold Enhancements](https://financial-brokerage.com/american-equity-foundation-gold-enhancements/) - Guaranteed Income Increase and No-Fee LIBR is BACK on the Foundation Gold Effective October 2, 2017 American Equity is pleased to announce Foundation Gold product updates effective October 2, 2017. We added additional Lifetime Income Benefit Rider (LIBR) options as well as a Market Value Adjustment (MVA) to the Foundation Gold. To receive the current - [Protective Life - Life Updates - Stay Current](https://financial-brokerage.com/protective-life-life-updates-stay-current/) - Life Updates - Stay Current Click on the link below to get the latest Protective Life updates. • Indexed Choice UL Rate Changes • Announcing Policy Revisions and Policy Change Team Restructure • Long Term Care Rider Removed from Preserver II SPVL Protective Life Updates Electronic Policy Delivery Protective is pleased to announce - [Athene - Rate Update](https://financial-brokerage.com/athene-rate-update/) - Rate update for: Athene Ascent Pro Bonus, Athene Performance Elite, Athene MaxRate and Athene Benefit 10 Effective October 7, 2017 We're adjusting new money rates on the Athene Performance Elite and MaxRate products. We’re also adjusting Rollup Rates and withdrawal percentages for the Athene Ascent Pro Bonus and Benefit 10 products. To view the new rates, - [American National - Rates](https://financial-brokerage.com/american-national-rates/) - Rates are Changing 10-1-2017 - American National Rate Sheet - October - [American General - Rates and AG News](https://financial-brokerage.com/american-general-rates-and-ag-news-9/) - American General has issued the following bulletins: * Higher Rates Effective 10-2-2017 * AG News for October 2, 2017 - [American National - Increased Payouts on Lifetime Income Riders](https://financial-brokerage.com/american-national-increased-payouts-on-lifetime-income-riders/) - Effective 10/1/2017, income payout percentages have increased by 0.5% to provide higher income for your clients that choose joint life payouts. To view more details, click here. - [Legacy Marketing - October Rate Update](https://financial-brokerage.com/legacy-marketing-october-rate-update/) - Legacy Rate Announcement The latest rates are in for Legacy Exclusive Products. To be among the first to know, download the complete package of current Quick Reference sheets, showcasing rate information, product highlights, and state availability. Any changes are indicated in blue. - [Fidelity & Guaranty - Increase Limit on Living Benefit Riders](https://financial-brokerage.com/fidelity-guaranty-increase-limit-on-living-benefit-riders/) - We are excited to announce that effective on policies issued September 16, 2017 and after, we are increasing the maximum benefit amount allowed to be accelerated on the Critical Illness and Terminal Illness Accelerated Benefit Riders on FG Life-Choice and FG Life-Elite. To view more details, click here. - [American General - Annuity Rates](https://financial-brokerage.com/american-general-annuity-rates-5/) - American General has issued the following bulletins: * Annuity Rates are Changing - [Legacy Marketing - Important Updates](https://financial-brokerage.com/legacy-marketing-important-updates/) - Legacy Marketing has issued the following bulletins: * Last Chance to Sell 14-Year Fidelity Products in Montana * Fidelity Introduces New Certificate of Entity Ownership Form - [National Western - The Score Newsletter](https://financial-brokerage.com/national-western-the-score-newsletter-8/) - The Score Newsletter Discover the Secrets to Our Top Producers' Success In a Flash! We’re on a mission to gain and share valuable insight from the field and we have a forum in the works to help us do just that! The NWL Flash is coming soon! This recurring 15-minute web call will be set - [State Life - Care Solutions News](https://financial-brokerage.com/state-life-care-solutions-news/) - Q3 campaign: Joint Life Asset-Care Our Q3 campaign: Joint Life Asset-Care launched Aug. 1. Visit the Joint LTC Protection landing page to review the marketing materials for our newest campaign and register for our webinars! Check out our Brainshark videos that show how to run a consumer campaign and how to run a producer campaign. Spread the word about these valuable resources! Asset-Care II/III - [Protective Life - Product Updates](https://financial-brokerage.com/protective-life-product-updates/) - Products Available for Conversion California Claims Handling Requirements - [American Equity - Montana Product Changes](https://financial-brokerage.com/american-equity-montana-product-changes/) - As required by the state of Montana, sales for the following American Equity product will be discontinued effective October 1, 2017. Bonus Gold (INDEX-1-07) Business for the Bonus Gold must be ISSUED by September 29, 2017. Business not issued by September 29, 2017 will be returned or need to be applied to an available product. - [Legacy Marketing - September 2017 Rate Updates](https://financial-brokerage.com/legacy-marketing-september-2017-rate-updates/) - The latest rates are in for Legacy Exclusive Products. To be among the first to know, download the complete package of current Quick Reference sheets, showcasing rate information, product highlights, and state availability. Any changes are indicated in blue. Rates, Dates, and States - [American National - Important Announcements](https://financial-brokerage.com/american-national-important-announcements/) - American National has issued the following bulletins: * Texas Home Offices Reopening August 31, 2017 * September Rates Remain Level * ExpertApp Replaces iGO Applications - [Lincoln Financial Group - The September One Series](https://financial-brokerage.com/lincoln-financial-group-the-september-one-series/) - Lincoln Financial has issued the dates for their September One Series. To view more details and to register, click here. - [American Equity - New Products Available in Connecticut](https://financial-brokerage.com/american-equity-new-products-available-in-connecticut/) - New Products Now Available in Connecticut American Equity is pleased to announce new fixed index annuity products and income rider option. We are also expanding our RateShield fixed annuity line, with a new product featuring a lifetime income rider option. Plus, for higher rates, an optional Market Value Adjustment (MVA) is available on all RateShield - [Prudential - New Pricing on PruLife SUL Protector](https://financial-brokerage.com/prudential-new-pricing-on-prulife-sul-protector/) - Changes to SUL Protector Prudential strives to offer a relevant suite of products that align to a variety of customers' needs. To reinforce our commitment to the no-lapse guarantee marketplace we are introducing new pricing on PruLife SUL Protector, effective August 21, 2017. The updated version has similar changes to those made to PruLife - [American National - Illustrations on iPipeline iGo Being Discontinued](https://financial-brokerage.com/american-national-illustrations-on-ipipeline-igo-being-discontinued/) - Illustrations on iPipeline iGo Being Discontinued Effective 9/1/17, illustration capability within iPipeline iGo will no longer be available. Illustrations should be run utilizing ExpertIllustrator within ExpertOffice. Please note however, that iPipeline will continue to support quotes on the GUL and Term products through LifePipe. Reminder: Updated Annuity Disclosures Effective 8/1/2017, new annuity disclosures are - [Protective - Now Offering Term Insurance](https://financial-brokerage.com/protective-now-offering-term-insurance/) - We get it—many clients need straightforward protection, nothing more. That’s why we added Protective Classic Choice Term to our short-term solutions portfolio, along with Protective Custom Choice UL. So now you have two solid short-term solutions to offer clients. And we developed tools for you to get the conversation started. Get your resources - [Prudential - PruLife SUL Protector Changes](https://financial-brokerage.com/prudential-prulife-sul-protector-changes/) - Changes to SUL Protector Prudential strives to offer a relevant suite of products that align to a variety of customers' needs. To reinforce our commitment to the no-lapse guarantee marketplace we will be introducing new pricing on PruLife SUL Protector. The updated version has similar changes to those made to PruLife Universal Protector earlier this - [National Western - Withdrawal Benefit Rider Updates](https://financial-brokerage.com/national-western-withdrawal-benefit-rider-updates/) - WBR Revisions Now Available! Due to continued regulatory requirements affecting annuity income riders, NWL will be implementing changes to the Income Outlook and Income Outlook Plus 5 Withdrawal Benefit Riders effective with applications received on or after August 4, 2017. Changes will initially be applicable to all states except California, Delaware, Hawaii, North Carolina, - [State Life - July Care Solutions News](https://financial-brokerage.com/state-life-july-care-solutions-news/) - State Life has issued the following bulletin. Care Solutions News - [American General - Rates and In the Know Newsletter](https://financial-brokerage.com/american-general-rates-and-in-the-know-newsletter/) - American General has issued the following bulletins: Annuity Rates are Changing In the Know Newsletter - [North American - Introducing Legacy Optimizer](https://financial-brokerage.com/north-american-introducing-legacy-optimizer/) - North American is pleased to announce the addition of a new Indexed Universal Life insurance product to our competitive portfolio effective August 1, 2017. Download the bulletin to learn more about product highlights, marketing materials, product details, webinar dates, and more! - [American General - Important Updates](https://financial-brokerage.com/american-general-important-updates-2/) - American National has issued the following bulletins: The Living Benefits Sale Made Easy with 10-10-10 Non-Permanent Chronic Illness Claim - No Worries - [Banner/William Penn - Advance Notice on Web Quoting](https://financial-brokerage.com/bannerwilliam-penn-advance-notice-on-web-quoting/) - Advance Notice: New web quoting tool to replace Illustration Manager. You've been asking for it and it's almost here - quoting via the web without needing to download software! We've estimated that it will be available in August. Benefits for your agency and your brokers: Web based -- no download or installation required -- available - [North American - Missouri Replacement Notice](https://financial-brokerage.com/north-american-missouri-replacement-notice/) - Replacement Notice - Missouri Missouri adopted the NAIC Life Insurance Replacement Model Regulation. Replacement Notice form L-2968 will replace O-2309(24) effective August 25, 2017. Download the Bulletin MIB Frequently Asked Questions As an important part of our underwriting process, we want to share some information about MIB, Inc. Download the Bulletin - [American General - Annuity Rates Are Changing](https://financial-brokerage.com/american-general-annuity-rates-are-changing-10/) - Annuity rates are changing Click to view new rates - [American National - New Accelerated Underwriting](https://financial-brokerage.com/american-national-new-accelerated-underwriting/) - A NEW accelerated underwriting program from American National! UP TO $1,000,000 FACE AMOUNT! NO AUTOMATIC EXAM REQUIRED! Learn More - [American National - Updated Annuity Disclosures](https://financial-brokerage.com/american-national-updated-annuity-disclosures/) - Effective 8/1/2017, new annuity disclosures will be required for several products, as seen in the chart below. Please use the new forms to avoid a delay in business. New forms will be available in ExpertForms as of 8/1/2017. To view the updates, click here. - [State Life - Updated Interest Rate Notice](https://financial-brokerage.com/6709-2/) - UPDATED: Access interest rates effective July 15 New business interest rates for the OneAmerica Care Solutions product suite are changing, effective Saturday, July 15, 2017. Annuity Care new money rates are decreasing. Annuity Care II/III rates are also decreasing. New rates and complete transition rules are listed below. All other rates remain unchanged. View all - [Americo - Portfolio Changes and Enhancements](https://financial-brokerage.com/americo-portfolio-changes-and-enhancements/) - Americo has issued the following bulletins: Annuity Portfolio Changes Sales Connection Enhancements - [State Life - Interest Rate Notice](https://financial-brokerage.com/state-life-interest-rate-notice-14/) - Access interest rates effective July 15 New business interest rates for the OneAmerica Care Solutions product suite are changing, effective Saturday, July 15, 2017. Annuity Care new money rates are decreasing. All other rates remain unchanged. View all rates The new Annuity Care rates will be as follows: Annuity Care LTC fund: 1.60% Cash fund: - [Prudential - Life Essentials Newsletter](https://financial-brokerage.com/prudential-life-essentials-newsletter-3/) - In Case You Missed It: Department of Labor (DOL) Fiduciary Rule – Important Update Read on for Information About Prudential’s Approach Effective July 1 - Founders Plus Product Caps and Rates Changing Effective July 1, the index caps and the max illustrated rates for PruLife Founders Plus are changing. Read More New - [Legacy Marketing - LibertyMark Delivery Receipt Required](https://financial-brokerage.com/legacy-marketing-libertymark-delivery-receipt-required/) - Delivery Receipt Required in All States for LibertyMark Contracts Starting 7/31 Starting July 31, 2017, a signed delivery receipt is required for all LibertyMark contracts issued by Americo Financial Life and Annuity Insurance Company, regardless of issue state. Proof of delivery helps you avoid market conduct and policy service complaints by establishing the date a - [Pacific Life - New Product Approval for District of Columbia](https://financial-brokerage.com/pacific-life-new-product-approval-for-district-of-columbia/) - Introducing PL Promise Term - The District of Columbia To view more details, click here. - [American Equity - Product Training](https://financial-brokerage.com/american-equity-product-training/) - Product Training American Equity recently announced the following changes to the optional Lifetime Income Benefit Rider available with the Gold Series, effective July 10, 2017: * Income Account Value (IAV) rate adjustments * Payout Factor adjustments * LIBR with Wellbeing Benefit now available in Hawaii, Idaho, Illinois, Minnesota, Missouri and Washington **You are required to - [Protective Life - News You Don't Want to Miss](https://financial-brokerage.com/protective-life-news-you-dont-want-to-miss/) - Protective Life Bulletin Click on the link below to get the latest Protective Life updates. * Increased Online Capabilities for Agents * Compliance Requirements for Life Insurance and Annuity Advertising * New Online Customer Service Features - [Legacy Marketing - Rates and Important Update](https://financial-brokerage.com/legacy-marketing-rates-and-important-update/) - Legacy Marketing has issued the following bulletins: July 2017 Rate Updates LibertyMark Enhancements Available in Hawaii - [American General - Rates and Important Updates](https://financial-brokerage.com/american-general-rates-and-important-updates/) - Annuity rates are changing, click to view new rates. Important Update on Commissions: Progress To Date and Remaining Issues One of the key drivers of our Service Improvement Plan is to ensure the accurate and timely processing of commission payments. To this end we have taken aggressive actions to review and improve our processes, enhance - [American National - Rates and New Product Information](https://financial-brokerage.com/american-national-rates-and-new-product-information/) - American National has issued the following bulletins: Annuity Rates will Decrease July 1, 2017 New Signature IUL Unisex and ANICO to be Withdrawn Signature Indexed UL is Here - [Transamerica LTC - TransCare III Updates](https://financial-brokerage.com/transamerica-ltc-transcare-iii-updates/) - Transamerica has issued the following bulletin: TransCare III Updates - [American Equity - Important Updates](https://financial-brokerage.com/american-equity-important-updates/) - Product Adjustments Minimum Premiums, LIBR and Minimum Guaranteed Interest Rate Changes Effective July 10, 2017, American Equity will implement important changes to product portfolio. Click Here for details. Rate Change Rate Adjustment Effective June 9, 2017, rates have been adjusted on the Choice Series, Traditions Gold and MYGA. Click Here for rate details. Missouri Replacement - [American Equity - Product Adjustments and Fiduciary Rule Reminder](https://financial-brokerage.com/american-equity-product-adjustments-and-fiduciary-rule-reminder/) - Product Adjustments American Equity has issued the following announcements: General announcement to the field: Click Here Connecticut specific announcement: Click HereCalifornia specific announcement: Click Here Fiduciary Rule Reminder The Department of Labor Fiduciary Rule is now in effect and we want to take this opportunity to remind you of the Rule’s requirements. Under the Rule, - [American National - Important Updates](https://financial-brokerage.com/american-national-important-updates/) - American National has issued the following bulletins: Agent Alert - DOL Fiduciary Rule Training and Notice Earn an Apple Watch - [National Western - New State Approvals for Income Protector](https://financial-brokerage.com/national-western-new-state-approvals-for-income-protector/) - NWL Income Protector New States Added! We are excited to announce that the NWL Income Protector is now available in more states. Our newest superhero of annuities features most of the same great benefits of our initial offering, with some minor differences for the following states: Alaska Indiana Massachusetts Minnesota Nevada New Jersey Ohio Oklahoma - [American General - AG News](https://financial-brokerage.com/american-general-ag-news-3/) - American General has issued the following bulletins: * AG News for June 15, 2017 * Monthly Highlights - [Athene - Now Available Performance Elite 7](https://financial-brokerage.com/athene-now-available-performance-elite-7/) - Same elite performance. NEW 7-year duration. Introducing Athene Performance Elite 7. The newest addition to the Performance Elite family of high-performance fixed indexed annuities. Now, you can offer your clients outstanding growth potential in a 7-year product designed for medium-term accumulation needs. For enhanced performance (for a charge), Performance Elite 7 Plus offers a premium - [American Equity - Bonus Gold Discontinued in Delaware](https://financial-brokerage.com/american-equity-bonus-gold-discontinued-in-delaware/) - Sales for American Equity's Bonus Gold (INDEX-1-05) will be discontinued effective July 1, 2017. All applications for the Bonus Gold in Delaware must be received in our office by 1;00 p.m. CST on June 30, 2017. Any Bonus Gold applications received in our office after 1;00 p.m. CST on June 30, 2017 will not be - [State Life - Important Updates](https://financial-brokerage.com/state-life-important-updates/) - Fiduciary Rule Update The Department of Labor announced there will be no delay in the June 9, 2017, applicability date of the Fiduciary Rule. As of 11:59 p.m. EDT on June 9, 2017, the expanded fiduciary definition will be in effect for all business involving a deposit to or a withdrawal from an IRA, ERISA - [American General - Rates](https://financial-brokerage.com/american-general-rates-2/) - Annuity rates are changing - Click to view new rates - [Legacy Marketing - DOL Fiduciary Rule Update](https://financial-brokerage.com/legacy-marketing-dol-fiduciary-rule-update/) - Legacy Marketing has issued the following bulletins: * Fidelity & Guaranty Life Issues DOL Fiduciary Rule Compliance Update * Americo Requirements for Complying with DOL Fiduciary Rule - [American Equity - Rate Adjustment](https://financial-brokerage.com/american-equity-rate-adjustment/) - American Equity has issued the following bulletins: * Rate Adjustment - [EquiTrust - DOL Fiduciary Rule Information](https://financial-brokerage.com/equitrust-dol-fiduciary-rule-information/) - On June 9, 2017, the Department of Labor Fiduciary Rule will become applicable, marking the end of a 60-day extension from the original applicability date. We want to help your agents comply with the new rule as simply as possible, by providing Direction on how to do business with EquiTrust after June 9 Required form Complimentary, - [Legacy Marketing - New Rates](https://financial-brokerage.com/legacy-marketing-new-rates/) - Legacy Marketing has issued the following bulletin: June 2017 Rate Update - [EquiTrust - Arizona Agent Training Requirement](https://financial-brokerage.com/equitrust-arizona-agent-training-requirement/) - Arizona recently adopted the model suitability regulation which mandates training elements for agents. Arizona annuity producers must complete 4 hours of General Annuity Training CE credits (provided by a state-approved training vendor) in addition to the EquiTrust product-training requirement already in effect. General Annuity Training Element Four hours of continuing education credits must be obtained - [Americo - Compliance Updates](https://financial-brokerage.com/americo-compliance-updates/) - AML Training Reminder As a reminder, all Americo agents who sell cash value products (term with cash value, universal life, whole life, and annuities) must complete anti-money laundering training. You must renew this training every two years from the initial training date. To avoid a delay in business, please make sure you have taken your - [American National - Product Withdrawal and Important Information](https://financial-brokerage.com/american-national-product-withdrawal-and-important-information/) - Executive Universal Life Simplified Issue Being Withdrawn July 1, 2017 The Exec UL SI, Exec UL SI TE and Exec UL SI IV will no longer be available for new sales effective July 1, 2017. Non-Simplified Issue Product Versions (Exec UL, Exec UL TE, Exec UL IV) remain available. Important deadlines to remember: June 30, - [American Equity - Fiduciary Rule Update](https://financial-brokerage.com/american-equity-fiduciary-rule-update/) - On May 22, 2017, Department of Labor Secretary Acosta confirmed the agency will not delay the applicability date of the Fiduciary Rule beyond June 9, 2017. The below memo provides detailed information regarding this update. Click Here to View the Memo - [Pacific Life - TIAA and Authorization for Payment Form](https://financial-brokerage.com/pacific-life-tiaa-and-authorization-for-payment-form/) - Pacific Life has issued the following bulletin. TIAA and Authorization for Payment Form - [American General - New Rates](https://financial-brokerage.com/american-general-new-rates/) - Annuity rates are changing Click to view new rates - [Fidelity & Guaranty - Large Life Case Management Process](https://financial-brokerage.com/fidelity-guaranty-large-life-case-management-process/) - Fidelity & Guaranty has issued the following bulletins: * Large Life Case Management Process * Large Case Transmittal Form - [National Western - Interest Rate Change](https://financial-brokerage.com/national-western-interest-rate-change/) - Interest Rate Change Annuity and Life Interest Rates have changed. The new rates will be effective as of May 13, 2017. The Illustration Software has been updated and version 84 can be downloaded from MyNWL. Please click here to view updated rates*. Click here, to view the previous rates - [American General - Annuity Rates](https://financial-brokerage.com/american-general-annuity-rates-4/) - Annuity rates are changing Click to view new rates - [American General - Important Information](https://financial-brokerage.com/american-general-important-information-4/) - American General has issued the following bulletins: * New Process for Large Case Annuity Exception Requests and Quotes - [State Life - Interest Rate Notice](https://financial-brokerage.com/state-life-interest-rate-notice-13/) - Interest rates effective May 15 New business interest rates for the OneAmerica Care Solutions product suite remain unchanged, effective Monday, May 15, 2017. View all rates - [American Equity - Competitive PR Rate on Choice 8 and Choice 10](https://financial-brokerage.com/american-equity-competitive-pr-rate-on-choice-8-and-choice-10/) - Competitive PR Rate on Choice 8 and Choice 10 To view more details, click here. - [North American - Field Updates](https://financial-brokerage.com/north-american-field-updates/) - Updated Reinstatement Guidelines We are pleased to announce that we have updated our reinstatement guidelines. These updates utilize the latest underwriting tools available and streamline the overall process. Read more about these changes here. Critical Illness Accelerated Death Benefit Now Available in California North American announces the availability of the critical illness accelerated death benefit - [American General - In the Know Newsletter](https://financial-brokerage.com/american-general-in-the-know-newsletter-5/) - American General has issued the following bulletins: * In the Know Newsletter * Crediting Process Changes - [Fidelity & Guaranty - Important Information](https://financial-brokerage.com/fidelity-guaranty-important-information-3/) - FGL’s MYGA Special Extended to May 5th! Great News! The special 3.10%* FG Guarantee-Platinum 5 single premium fixed deferred traditional annuity interest rate has been extended and will now end on Friday, May 5, 2017 at 8:00 PM EDT. The new interest rate will be 1.85%. Please click below for details about this MYGA special. - [Legacy Marketing - Product Updates](https://financial-brokerage.com/legacy-marketing-product-updates/) - Legacy Marketing has issued the following bulletins: *Last Chance to Sell LegendMark No- Bonus FIA's *Avoid New Business and Commission Delays - [American General - New Annuity Rates](https://financial-brokerage.com/american-general-new-annuity-rates-4/) - Annuity rates are changing Click to view new rates - [Protective - Initial Premium Acceptance Rules](https://financial-brokerage.com/protective-initial-premium-acceptance-rules/) - Click on the link below to get the latest Protective Life updates. * Initial Premium Acceptance Rules — Conditional Receipt Limits - [Fidelity & Guaranty - May Interest Rates](https://financial-brokerage.com/fidelity-guaranty-may-interest-rates-2/) - Fidelity & Guaranty has issued the following bulletins: * May Interest Rates * Life-Elite Cap Rate Increase - [Foresters - Accelerated Death Benefit in Connecticut](https://financial-brokerage.com/foresters-accelerated-death-benefit-in-connecticut/) - Launching April 22, 2017: ABR in Connecticut Foresters Financial Accelerated Death Benefit Rider (ABR)will be available on eligible Term, Advantage Plus, Smart UL, and Your Legacy applications. ABR will also be available for Federal Employee Benefits and List Bill cases. What's an ABR? How does it work? Clients who are diagnosed with an eligible illness - [Legacy Marketing - Withdrawal of LegendMark No-Bonus FIA's Postponed](https://financial-brokerage.com/legacy-marketing-withdrawal-of-legendmark-no-bonus-fias-postponed/) - Withdrawal of LegendMark No-Bonus FIAs Postponed Breaking news! You can continue to sell LegendMark no-bonus fixed indexed annuities until mid-May. The withdrawal of the no-bonus products, announced March 20, 2017, is being delayed. - [State Life - Interest Rate Notice](https://financial-brokerage.com/state-life-interest-rate-notice-12/) - New business interest rates for the OneAmerica Care Solutions product suite remain unchanged, effective Saturday, April 15, 2017. View all rates - [Fidelity & Guaranty - Reminder - Simpler Products are on the Way](https://financial-brokerage.com/fidelity-guaranty-reminder-simpler-products-are-on-the-way/) - Reminder - Simpler Products are on the Way from FGL Our popular income product, Safe Income Plus, will now include the Guaranteed Minimum Withdrawal Benefit (GMWB) rider in the base product. Review the announcement for important payout factor updates and business requirements. Please click below for more information. FIND OUT MORE - [American General - In the Know Newsletter](https://financial-brokerage.com/american-general-in-the-know-newsletter-4/) - Service Improvement Plan 2017 We know there are challenges with new business turnaround times. We are committed to getting it right for you. Bulletin 17-061 → Updates to Underwriting Guides Effective March 24, 2017, several Underwriting Guides updated. Changes intended to simplify the submission process. Bulletin 17-051-LB → Credit card initial payment for SAT Please - [Legacy Marketing - April 2017 Rate Updates](https://financial-brokerage.com/legacy-marketing-april-2017-rate-updates/) - The latest rates are in for Legacy Exclusive Products. To be among the first to know, download the complete package of current Quick Reference sheets, showcasing rate information, product highlights, and state availability. Any changes are indicated in blue. Rates, Dates, and States - [Fidelity & Guaranty - April Interest Rates](https://financial-brokerage.com/fidelity-guaranty-april-interest-rates/) - Annuity Interest Rate Updates for April 2017 Fidelity & Guaranty Life Insurance Company is dedicated to providing you with the most recent information in a timely manner. Simply click below to download your April 2017 rate sheets, state availability and product features sheet. You will notice that there have been no changes since last month. Annuity - [American National - Revised Lifetime Income Rider Disclosure](https://financial-brokerage.com/american-national-revised-lifetime-income-rider-disclosure/) - Effective immediately, the Lifetime Income Rider disclosures listed below have been revised. Please make sure you are using the latest version of this form (revision 3-17) to avoid a delay in business. Old Form Number New Form Number Additional Notes 10662 Revision 3-15 10662 Revision 3-17 10662-NC Revision 3-15 10662 Revision 3-17 North Carolina - [American Equity - New Product Announcement and Update](https://financial-brokerage.com/american-equity-new-product-announcement-and-update/) - RateShield Series and IncomeShield Rider American Equity announced the addition of a new fixed annuity series as well as an optional rider on March 3, 2017. Click Here for details. Additional Option Available on the Choice Series Effective March 13, 2017 an optional MVA Rider is available on the Choice Series products. This optional rider - [Prudential - UL Protector Transition Rules](https://financial-brokerage.com/prudential-ul-protector-transition-rules/) - UL Protector Transition Rules There are so many carriers, so many rules and so much to remember, it is easy to lose sight of critical dates. Because we must hold firmly to the transition rules (dates in terms of old vs. new rates), I wanted to provide a timely reminder. Key dates are below but - [Legacy Marketing - Strong Benefits Package for LegendMark](https://financial-brokerage.com/legacy-marketing-strong-benefits-package-for-legendmark/) - LegendMark Now Available Only With Strong Benefits Package Fidelity & Guaranty Life Insurance Company continues to offer a strong package of consumer benefits with LegendMark Plus fixed indexed annuities that include a vesting premium bonus, performance-driven Income XL Rider, and choice of fee or no-fee interest crediting options. To focus on this benefits package, Fidelity - [North American - Rates and Upcoming Product Changes](https://financial-brokerage.com/north-american-rates-and-upcoming-product-changes/) - North American is making several product changes effective April 10, 2017. The following links serve as a summary of all the communications that will be released. NAC FoundationChoiceSM discontinuation (fixed index annuity) NAC Charter® Plus II Changes ( fixed index annuity) NAC Charter® Plus Launches in Hawaii ( fixed index annuity) North American Guarantee - [Fidelity & Guaranty - Simpler Products are on the Way](https://financial-brokerage.com/fidelity-guaranty-simpler-products-are-on-the-way/) - Simpler Products are on the Way from FGL Our popular income product, Safe Income Plus, will now include the Guaranteed Minimum Withdrawal Benefit (GMWB) rider in the base product. Click below to review the announcement for important payout factor updates and business requirements. FIND OUT MORE - [North American - Guarantee Choice Product Changes](https://financial-brokerage.com/north-american-guarantee-choice-product-changes/) - Effective April 10, 2017 The North American Guarantee Choice multi-year guarantee annuity (MYGA) will change as follows: NEW Name North American Guarantee Choice II (from North American Guarantee Choice) Updated SCs Updated surrender charge schedule1 (excluding CA, CT, FL) No MGCV Minimum Guaranteed Contract Value (MGCV) discontinued State Variation Notes: * California: - [American National - Product Withdrawal](https://financial-brokerage.com/american-national-product-withdrawal/) - Current Rates Affinity 7 NQ and 457 Being Withdrawn March 31 With the launch of Signature Whole Life, Affinity 7 NQ (non-qualified) and Affinity 7 457 will no longer be available for new sales, effective March 31, 2017. The Affinity 7 Q will remain available for pension sales under the name Affinity 7 Unisex. This - [John Hancock - The New Accumulation IUL](https://financial-brokerage.com/john-hancock-the-new-accumulation-iul/) - This IUL is in a class of its own! The all new Accumulation IUL now ranks among the best in the industry in cash accumulation scenarios, with access to the Hang Seng Index and the new Plus Capped Account for greater earning potential. Combined with increased target premiums for you and the popular John Hancock Vitality Program - [American General - Annuity Rates](https://financial-brokerage.com/american-general-annuity-rates-3/) - American General has issued the following bulletin: * Annuity Rates are Changing - [State Life - Strategic Changes](https://financial-brokerage.com/state-life-strategic-changes/) - Strategic Changes We continue to monitor the fluid situation with the implementation of the Department of Labor's (DOL) Conflict of Interest Rule, also known as the fiduciary rule. However, regardless of the status of the fiduciary rule, the following change will go into effect on April 10 (details are farther below): * Care Solutions will - [Bankers Fidelity - Rate and HHD Changes in Illinois](https://financial-brokerage.com/bankers-fidelity-rate-and-hhd-changes-in-illinois/) - Rate and HHD Changes in Illinois Effective April 1, 2017, household premium discounts associated with Medicare Supplement products in Illinois will increase from 5% to 7%. Updated application packages and outlines of coverage will be available for download and ordering on ADDS beginning April 1st. For immediate resources, click below to download the updated materials and to read the - [American Equity - New Option Available on the Choice Series](https://financial-brokerage.com/american-equity-new-option-available-on-the-choice-series/) - NEW Option Available on the Choice Series American Equity is excited to announce a new option now available on the Choice Series. 5% Penalty-Free Withdrawal with Market Value Adjustment (MVA) Rider Effective immediately, a 5% annual Penalty-Free Withdrawal with MVA Rider option is available on the Choice 6, Choice 8 and Choice 10 products. Interest - [North American - Product Discontinuation and State Updates](https://financial-brokerage.com/north-american-product-discontinuation-and-state-updates/) - The following fixed index annuities will be discontinued effective April 10, 2017: *North American Charter * North American Precision Series Applications for these products must be received in the Home Office by 5 pm (CST) April 9, 2017. Maryland Disclosure Statement Universal Life Policies with a No Lapse Guarantee of 20 years or more no - [Fidelity & Guaranty - New Uncapped Index Crediting Strategy](https://financial-brokerage.com/fidelity-guaranty-new-uncapped-index-crediting-strategy/) - Fidelity & Guaranty Life will offer a new, uncapped index crediting strategy, with a spread, on FG AccumulatorPlus 10 & 14 and Performance Pro fixed indexed annuities.* FIND OUT MORE - [Legacy Marketing - Rate Updates and Income XL Rider](https://financial-brokerage.com/legacy-marketing-rate-updates-and-income-xl-rider/) - Legacy Marketing has issued the following bulletins: * Rate Update * Income XL Rider - [Lincoln Financial - March Rates](https://financial-brokerage.com/lincoln-financial-march-rates/) - Lincoln Financial has issued the following bulletins: * March Interest Rates - [American General - Rates](https://financial-brokerage.com/american-general-rates/) - Annuity rates are changing Click to view new rates - [Columbus Life has issued their monthly newsletter.](https://financial-brokerage.com/columbus-life-has-issued-their-monthly-newsletter/) - Columbus Life has issued their monthly newsletter. To view the Inside Columbus Life Newsletter, click here. - [Americo - Sales Connection Update](https://financial-brokerage.com/americo-sales-connection-update/) - Americo performed a system upgrade to Sales Connection on Friday, February 24, 2017, from 8:00 pm to 11:00 pm Central. Several enhancements to our eApplications were made during this upgrade. * Replacements - You will no longer need to provide paper forms when a client has existing insurance or is replacing insurance. The Sales Connection - [The Element Advantage – a practical, accessible, and affordable Long Term Care Plan](https://financial-brokerage.com/the-element-advantage-a-practical-accessible-and-affordable-long-term-care-plan/) - Presented by Michelle Daharsh A new long term care solution was introduced to the industry in late June of this year. Designed by Genworth, this plan was built around their flagship product – Privileged Choice Flex 3. The concept of Element is to still offer comprehensive coverage for long term care but make the process - [Fidelity & Guaranty - Interest Rates and Important Information](https://financial-brokerage.com/fidelity-guaranty-interest-rates-and-important-information/) - Fidelity & Guaranty has issued the following bulletins: Annuity Interest Rates Life Interest Rates New Life e-Application Process Coming Soon - [Protective Life - New Monthly Level Transfer Option](https://financial-brokerage.com/protective-life-new-monthly-level-transfer-option/) - We are pleased to announce that effective February 20, 2017, Protective Indexed ChoiceSM UL will feature a new capability* allowing automatic transfers of a fixed dollar amount from the Fixed Account to the Indexed Account each month. This may be ideal for lump sum premium payments that the policyholder would like to transfer - [National Western - The Score Newsletter](https://financial-brokerage.com/national-western-the-score-newsletter-6/) - 2017 Already Feels Promising – Now How About a Bonus? Let's kick the year into high gear with a 1% commission bonus for annuity business! The bonus will apply to applications received between February 13, 2017 and March 15, 2017, and issued-and-paid by April 13, 2017. Click here for full details and exclusions. A Superhero - [EquiTrust - Index Strategy Descriptions](https://financial-brokerage.com/equitrust-index-strategy-descriptions/) - Strategy Index Descriptions Strategy overview for each index account - for all index annuities! New versions added for DynaMARC Index Annuity Index-Strategy Descriptions provide a simple overview of the calculations behind each index-crediting strategy. They're an excellent supplement to the product brochures. To view more details, click here. - [Increase Your DI Sales in 4 SIMPLE Steps!](https://financial-brokerage.com/increase-your-di-sales-in-4-simple-steps/) - Presented by Michelle Daharsh Disability insurance is a new concept for most consumers but it also is a concept that you should be talking about to each and every one of your clients. Start with the basics and uncover if your client has any misconceptions about disability income protection. Educating clients from what it covers, - [American General - Annuity Rates are Changing](https://financial-brokerage.com/american-general-annuity-rates-are-changing-9/) - Annuity rates are changing Click to view new rates - [Fidelity & Guaranty - Important Reminders](https://financial-brokerage.com/fidelity-guaranty-important-reminders/) - Don’t Delay! MYGA 3.10%* Interest Rate is Still Available! This competitive 3.10% interest rate, guaranteed for 5 years, is only offered for a limited time with FGL’s Guarantee-Platinum 5 single premium fixed deferred annuity. FIND OUT MORE Three Competitive FIA's FGL is now offering for a limited time – 3 competitive FIAs: Retirement Pro * - [Legacy Marketing - Rider Cancellation Rule](https://financial-brokerage.com/legacy-marketing-rider-cancellation-rule/) - Fidelity & Guaranty Life Updates Rider Cancellation Rule in FL, MN, OR, PA, TX, WA To make the income rider cancellation provision more consistent among states, Fidelity & Guaranty Life Insurance Company has updated the cancellation provision for Income Freedom Rider, Income Security Rider, and Income XL Rider in the following states to specify that - [Americo - Rate Change Notice](https://financial-brokerage.com/americo-rate-change-notice-2/) - New Annuity Rates Effective February 15, 2017 We are excited to announce that Americo has made positive rate adjustments to our Ultimate One Index Series and Future Provider Series annuity products. New contracts issued on or after February 15, 2017, will receive the new rates. Rates in GREEN indicate an increase. For more information and to - [North American - Rates and Important Updates](https://financial-brokerage.com/north-american-rates-and-important-updates/) - North American has issued the following bulletins: * Save Time with this New Service * New Home Page makes it Easier to do Business * Benefit Solutions Rates Improve * Benefit Solutions II Rates for AK, MN, MO, OR, PA, UT, VA, WA * Benefit Solutions Rates for CT,DE,FL,IN,MD,MS,NV, OH, OK, SC, TX * New - [Legacy Marketing - Rate Updates](https://financial-brokerage.com/legacy-marketing-rate-updates-2/) - Legacy Rate Announcement The latest rates are in for Legacy Exclusive Products. To be among the first to know, download the complete package of current Quick Reference sheets, showcasing rate information, product highlights, and state availability. Any changes are indicated in blue. To view the rates, click here. - [American General - AG News for February 9, 2017](https://financial-brokerage.com/american-general-ag-news-for-february-9-2017/) - American General has issued the following bulletins: LTC/CI Campaign in a Box A&H Playbook 2017 Life Insurance Planning Annual Statements How To Guide Inforce Business Technology Underwriting - [State Life - Interest Rate Notice](https://financial-brokerage.com/state-life-interest-rate-notice-11/) - Interest Rate Notice In response to the current interest rate environment, new business interest rates for Indexed Annuity Care will be decreasing effective Wednesday, Feb. 15, 2017. View all rates The new rates will be as follows: Indexed Annuity Care Point-to-point Cap: 2.75% Point-to-point Par: 20% Monthly average Cap: 2.75 % Monthly average Par: 28% - [Mutual of Omaha - Important Product Update and Express Newsletter](https://financial-brokerage.com/6105-2/) - Mutual of Omaha is committed to providing insurance solutions to help you protect your customers and prepare them for the future. As we continue to review our product portfolio, we must make business decisions that are in the best interest of our policyholders and our company. Effective March 1, 2017, we are suspending sales of - [National Western - Option J Now Available](https://financial-brokerage.com/national-western-option-j-now-available/) - Options Are A Good Thing Having lots of options can make life more interesting. Now, we're using options to make Annuities more interesting by introducing a new indexed option for indexed annuities! Option J is NOW AVAILABLE offering an annual point-to-point strategy for NWL Indexed Annuities. This option is initially available only on new issues - [American National - The Independent Voice](https://financial-brokerage.com/6099-2/) - February Rates Sales Tips for Selling Life Insurance Most people will accept the need for health, auto, and homeowners insurance but selling life insurance is often times more challenging. Good solid sales techniques enable a sale regardless of economic conditions. Common mistakes Agents make selling life insurance: Individuals are less likely to buy a product - [Legacy Marketing - Rate Updates](https://financial-brokerage.com/legacy-marketing-rate-updates/) - Legacy Rate Announcement The latest rates are in for Legacy Exclusive Products. To be among the first to know, download the complete package of current Quick Reference sheets, showcasing rate information, product highlights, and state availability. Any changes are indicated in blue. - [AXA Equitable - Life Communications](https://financial-brokerage.com/axa-equitable-life-communications/) - What's new? - Improvements are being made with your needs in mind. A new change will simplify requirements gathering and tracking efforts within the pending business process for new life insurance applications. Read about it here. - Did you know that 87% of adults age 65+ want to stay in their current home as they age? - [American General - AG News](https://financial-brokerage.com/american-general-ag-news-2/) - American General has issued the following bulletins: Accidental Injury Prospecting New Child Rider on Select-a-Term LTC Coordination Brochure Your Inforce Connection A & H Product Discontinuation in New Mexico and Washington DC - [Columbus Life - News Updates](https://financial-brokerage.com/columbus-life-news-updates/) - Columbus Life has issued their latest newsletter. To view the Inside Columbus Life, click here. - [North American - Product Updates](https://financial-brokerage.com/north-american-product-updates/) - Changes to Custom Guarantee UL We are making guaranteed premium changes to our Custom Guarantee UL product. Find out more about the changes here. New IUL Products: Builder IUL, Guarantee Builder IUL and Rapid Builder IUL North American is pleased to announce our newly revised Indexed Universal Life Insurance products. Learn more about important updates - [Legacy Marketing - Important Information](https://financial-brokerage.com/legacy-marketing-important-information-2/) - Legacy Marketing has issued the following bulletins: Learn About a Powerful Retirement Income Plan Webinar Legacy's 2017 Strategies for Success Tour Bonus Blitz Extended Through March 31 - [American National - Rates and Important Information](https://financial-brokerage.com/american-national-rates-and-important-information-4/) - American National has issued the following bulletins: American National Rate Sheet - February Deadlines: App, Exchanges, Cash with App, & Wire Transfer Deadlines: Signed & Dated: 1/31 Received: 2/3 (3rd business day) Exchanges: Monies must be received within 60 days - [Lincoln Financial - February Fixed Annuity Rate Notice](https://financial-brokerage.com/lincoln-financial-february-fixed-annuity-rate-notice/) - Lincoln Financial Fixed Annuity rates are decreasing slightly for February. If you are working on a case that you would like to secure January rates, please make sure the application is at Lincoln Financial prior to 4PM EST on 1/31/17. February Fixed Annuity Rates Rate Lock Procedure New York February Fixed Annuity Rates New York - [MetLife - Reminder - MetLife Product Sunset](https://financial-brokerage.com/metlife-reminder-metlife-product-sunset/) - A reminder about the upcoming product sunset. Attached is the announcement that has all the key details. New Business and Conversions with Underwriting must be received in good order by February 3rd. Conversions without Underwriting must be received in good order by March 3rd. - [Bankers Fidelity - New Senior Hospital Indemnity Product](https://financial-brokerage.com/bankers-fidelity-new-senior-hospital-indemnity-product/) - We’re excited to let you know that our new Senior Security Series Senior Hospital Indemnity Policy is now available in the following states. Arkansas Pennsylvania - [Fidelity & Guaranty - Annuity and Life Interest Rates](https://financial-brokerage.com/fidelity-guaranty-annuity-and-life-interest-rates-3/) - Fidelity & Guaranty has issued the following interest rates for February 2017. Annuity Interest Rates Life Interest Rates - [Legacy Marketing - LibertyMark Rate Changes](https://financial-brokerage.com/legacy-marketing-libertymark-rate-changes/) - Effective January 29, 2017, rates on some LibertyMark strategies are changing. To view the rate changes, click here. - [National Western - The Score Newsletter](https://financial-brokerage.com/national-western-the-score-newsletter-5/) - It's Always Good to Have Options! Option J - NOW AVAILABLE! A new interest strategy has recently been added to NWL's indexed annuities! Option J, an annual point-to-point strategy, is NOW AVAILABLE on new issues of the NWL Ultra Classic in a majority of states. Option J will be offered on our other indexed annuities - [Fidelity & Guaranty - Underwriting News You Can Use](https://financial-brokerage.com/fidelity-guaranty-underwriting-news-you-can-use/) - Recent developments have changed and will continue to change how the life insurance business is underwritten. To help you stay on top of the latest industry underwriting updates, Barb Lutz, FGL’s AVP, Chief Underwriter, has begun a new email series “Underwriting – Tips & Topics.” Please click below for your first installment and stay tuned - [Bankers Fidelity Life - Rate Revision and 2018 Sales Leader Conference](https://financial-brokerage.com/bankers-fidelity-life-rate-revision-and-2018-sales-leader-conference/) - Bankers Fidelity has issued the following bulletins: * Rate Revision in Kentucky * 2018 Sales Leader Conference - [Lincoln Financial - Life Product Updates](https://financial-brokerage.com/lincoln-financial-life-product-updates/) - Our industry is operating in a challenging and changing environment. We continue to face nearly a decade of persistently low interest rates, including recent historical lows late last year, volatile markets, and an evolving regulatory landscape. Lincoln is committed to proactively managing its business in this environment to ensure we are operating responsibly, and continuously - [Legacy Marketing - Rate Update and Information](https://financial-brokerage.com/legacy-marketing-rate-update-and-information/) - Legacy Marketing has issued the following bulletins: * LegendMark Rate Updates * New LibertyMark Supplemental Suitability Form for California * LibertyMark 7-Year Products Available in California Again - [American General - AG News for January 12, 2017](https://financial-brokerage.com/american-general-ag-news-for-january-12-2017/) - American General has issued the following bulletins: New Playbook Index Strategy GUL 3 Did You Know? Life Interest Rate Summary Guide to New Commission Statements New Term Conversion Address Temporary Coverage During Application Process - [Transamerica - TransWeekly Newsletter for January 12, 2017](https://financial-brokerage.com/transamerica-transweekly-newsletter-for-january-12-2017/) - Marketing Updated Tax Facts Client Guide Planning for the new year? The 2017 Tax Facts Client Guide will help add value to your next client planning session. Keep the latest information at your fingertips including lifetime gift and estate tax exemptions, 2017 tax rate tables, capital gains taxes and more. CHECK IT OUT > Operations - [Fidelity & Guaranty - Important Announcements](https://financial-brokerage.com/fidelity-guaranty-important-announcements/) - Fidelity & Guaranty has issued the following bulletins Updated Rates Commissions Special Agency Services Bulletin - [EquiTrust - Important Updates](https://financial-brokerage.com/equitrust-important-updates/) - EquiTrust has issued the following bulletins: * Chronic Illness DOUBLER Added to DynaMARC Index Annuity's Income Rider * Delaware Agent Training Requirement - [State Life - Interest Rate Notice](https://financial-brokerage.com/state-life-interest-rate-notice-10/) - In response to the current interest rate environment, new business interest rates for Annuity Care and Indexed Annuity Care will be increasing effective Sunday, Jan. 15, 2017. View all rates » The new rates will be as follows: Annuity Care (original and II) LTC Fund/LTC Accumulated Value: 1.90% Cash Fund/Accumulated Value: 1.40% Important: - [American Equity - California Product Information](https://financial-brokerage.com/american-equity-california-product-information/) - New Product Available in California American Equity is pleased to announce the addition of a new fixed index annuity product to our competitive portfolio. The California Gold (CA16 IDX11) will be available January 1, 2017. California Gold: * 5% premium bonus which vests over a nine year period * 10% penalty-free withdrawal after the first - [Columbus Life - Rates](https://financial-brokerage.com/columbus-life-rates/) - Revision to 2017 Change in Universal Life Product Interest Rates On December 1, you received an email detailing changes to Columbus Life’s UL interest rates. Since that time, we have experienced additional changes to our rates that will take effect on January 1. A reduction of 10 basis points will apply to all UL policies issued - [North American - New Rates and Product](https://financial-brokerage.com/north-american-new-rates-and-product/) - GREAT NEWS! Most interest rates improve effective January 5, 2017 New interest rates will apply to applications received in the Home Office on or after January 5, 2017. Updated rate sheets will be available on our website on January 5, 2017. www.NorthAmericanCompany.com We're excited to release our new fixed annuity series on January - [Lincoln Financial - New Rates](https://financial-brokerage.com/lincoln-financial-new-rates/) - Happy New Years! Great news, Fixed and Fixed Indexed rates on Annuity Solutions are increasing for applications received on or after 1/1/17! Below are a few highlights. Short term accumulation New Directions, multi-year guaranteed rate as high as 2.6% and performance trigger rate as high as 4.4% or Uncapped strategy Optiblend, S&P 500 one year - [American General - New Annuity Rates](https://financial-brokerage.com/american-general-new-annuity-rates-3/) - New Annuity Rates To view the new American General rates, click here. - [Legacy Marketing - January Rate Update](https://financial-brokerage.com/legacy-marketing-january-rate-update/) - Legacy Rate Announcement The latest rates are in for Legacy Exclusive Products. To be among the first to know, download the complete package of current Quick Reference sheets, showcasing rate information, product highlights, and state availability. Any changes are indicated in blue. Rates, Dates, and States - [Transamerica - TransWeekly Newsletter](https://financial-brokerage.com/transamerica-transweekly-newsletter-3/) - Underwriting Updated Trial Application Submission Guidelines As a reminder, effective January 1, 2017, trial applications will only be available on permanent products for insured ages 50-80 and with face amounts of $5 million or greater. Those that do not meet these age/face guidelines will be reviewed if the annual premium is $25,000 or greater and - [American National - Rates and Important Information](https://financial-brokerage.com/american-national-rates-and-important-information-3/) - Interest Rates will INCREASE in January! PLUS earn a Cash Bonus for 2017 Annuity Sales American National Rate Sheet - January - [North American - New Rates and New Product](https://financial-brokerage.com/north-american-new-rates-and-new-product/) - North American has announced new rates effective January 5th, 2017. http://inhouse.fb-inc.com/bulletins/BulletinView.aspx?BulletinID=20186 - [North American - Rates and Updates](https://financial-brokerage.com/north-american-rates-and-updates/) - GREAT NEWS! Most interest rates are improving effective January 5, 2017 * Fixed interest rates increasing as much as 85 basis points * S&P 500 Annual Point-to-Point Caps increasing as much as 160 basis points * S&P 500 Annual Point-to-Point Margins decreasing as much as 175 basis points New Allocation Forms We are implementing new - [Lincoln Financial Group - Term Product Updates](https://financial-brokerage.com/lincoln-financial-group-term-product-updates/) - Lincoln is committed to the Term market, and providing a strong line-up of competitively priced Term products and innovative process and underwriting approaches that make obtaining coverage faster and simpler. We also recognize the important role Term Conversions may play with some policyholders and Lincoln is committed to meeting their permanent insurance needs. Today we - [EquiTrust - Reminder - California Annuity Changes](https://financial-brokerage.com/equitrust-reminder-california-annuity-changes/) - Reminder - California Annuity Changes Effective January 1, 2017 To view more details, click here. - [American Equity - California Product Changes](https://financial-brokerage.com/5958-2/) - IMPORTANT INFORMATION – PLEASE READ CAREFULLY **American Equity Products Discontinued in California** As required by the state of California, sales for the following American Equity products will be discontinued effective December 30, 2016. * Bonus Gold (INDEX-1-07) * Retirement Gold (INDEX-2-09) * Advantage Gold (INDEX-6-07) * Premier Eagle 10 (FPDA-7-08) * Premier - [Bankers Fidelity - 2017 Medicare Deductibles Annual Mailing](https://financial-brokerage.com/bankers-fidelity-2017-medicare-deductibles-annual-mailing/) - 2017 Medicare Deductibles - Annual Mailing Please see the attached agent bulletin FB 16-081 regarding our 2017 Medicare Deductibles - Annual Mailing. - [EquiTrust - Rate Increase and Important Information](https://financial-brokerage.com/equitrust-rate-increase-and-important-information/) - Rate Increase and Important Information EquiTrust has issued the following bulletins: * Rate Increase * Agent App Provides Real-Time Notifications - [American General - Annuity Rates are Changing](https://financial-brokerage.com/american-general-annuity-rates-are-changing-8/) - Annuity rates are changing Click to view new rates - [MetLife - Important MetLife Update](https://financial-brokerage.com/metlife-important-metlife-update/) - LIFE INSURANCE Product News Life Insurance Product Portfolio Update MetLife to sunset life insurance products in 2017 Get the latest insights from MetLifePro.com - [American Equity - New Suitability Form for California](https://financial-brokerage.com/american-equity-new-suitability-form-for-california/) - ***IMPORTANT INFORMATION – PLEASE READ*** American Equity's Suitability Acknowledgement form has been revised to meet state regulatory requirements. The new version is required for all business written in the state of California. Effective immediately, the new Suitability Acknowledgement form will be form #4106-CA dated 12.01.16. For your convenience, please CLICK HERE to view the new - [National Western - The Score Newsletter](https://financial-brokerage.com/national-western-the-score-newsletter-4/) - Are You on Target? Find Out! Now it's easy to view your progress and find out if you need to add new luggage to your holiday wish list for that big trip to Miami and Key West in 2017! We've given the "Am I on Target" widget on MyNWL an overhaul! It’s user-friendly, real-time accurate, - [American National - Agent Alert](https://financial-brokerage.com/american-national-agent-alert/) - ANICO Strategy Indexed Annuity PLUS – New Strategy Available Effective January 1, 2017, the One-Year Point to Point with 50% Participation strategy will be available. California: Century 1, 3, 5, and 7 Temporarily Withdrawn Due to California regulations, Palladium Century 1, 3, 5, and 7 will be withdrawn December 31, 2016. No Century 1, 3, - [Three Options for Long-Term Needs](https://financial-brokerage.com/three-options-for-long-term-needs/) - Presented by Gary Peterson Long term care is exploding with the Baby Boomers coming of age. As an agent, you need to prepare your clients for this reality. There are multiple ways you can help your clients cover the costs involved. Three of those ways are described below. One option is to use funds that - [American General - Rates and AG News](https://financial-brokerage.com/american-general-rates-and-ag-news-8/) - American General has issued the following bulletins * Annuity Rates are Changing * New Term Rates * Buzz Term * Low Band Term * Term Conversion * Bulletins - [North American Company for Life and Health Insurance®](https://financial-brokerage.com/5925-2/) - The following annuities will be discontinued effective 12-30-16: * Freedom Choice Fixed Index Annuity * North American Ten Fixed Index Annuity Applications for these products must be received in the Home Office on or before 12-30-2016, 12:30 pm CST. - [North American - Product, Rider and Rate Changes](https://financial-brokerage.com/5924-2/) - Fixed Index Annuity Changes NAC IncomeChoice Lifetime Payment Percentages (LPPs) will be age banded every 5 years NAC BenefitSolutions and NAC BenefitSolutions II Guaranteed Lifetime Payment Amounts (LPAs) are decreasing Guaranteed Lifetime Withdrawal Benefit (GLWB) Rider Changes Income Pay will no longer be available on Performance Choice 8 Plus and 12 Plus and the Bonus - [Americo - Upcoming Product Changes](https://financial-brokerage.com/americo-upcoming-product-changes/) - Click on the link below for an important notice regarding upcoming product changes, effective January 1, 2017, and Home Office reminders. Agent Notice - [Central States - Rate Adjustments for Arkansas, Kentucky and Nebraska](https://financial-brokerage.com/central-states-rate-adjustments-for-arkansas-kentucky-and-nebraska/) - Central States Indemnity Co. of Omaha has received approval for the following rate adjustments. * Arkansas * Kentucky * Nebraska - [Fidelity & Guaranty - Product Changes for California and New Jersey](https://financial-brokerage.com/fidelity-guaranty-product-changes-for-california-and-new-jersey/) - Product Changes for California and New Jersey We are making product changes to our product portfolio in both New Jersey and California. Please click below to download our dedicated flier for answers. FIND OUT MORE - [American Equity - Rate Increase](https://financial-brokerage.com/american-equity-rate-increase-2/) - Choice Series Rate Adjustments Effective December 6, 2016 American Equity’s Choice Series rates will change on December 6, 2016. We are happy to announce that rates are increasing on the Annual Point to Point with Cap and Annual Point to Point with Participation Rate. All contracts issued December 6, 2016 or after will receive the - [American General - Annuity and Life Rates](https://financial-brokerage.com/american-general-annuity-and-life-rates/) - American General has issued the following new interest rates: * Annuity Rates * Life Rates - [Laddering Life Insurance](https://financial-brokerage.com/laddering-life-insurance-2/) - VLOG Episode 10 - Laddering Life Insurance (view on our youtube channel) - [Protective Life - News Updates](https://financial-brokerage.com/protective-life-news-updates/) - Protective Life has issued the following operations updates: Protective Custom Choice UL Rate Decrease Protective Indexed Choice UL Loan Interest Rate Reduction and Illustration Updates Products Available for Conversion—Correction Increases to Underwriting Limits - [Columbus Life - DOL Rule Update](https://financial-brokerage.com/columbus-life-dol-rule-update/) - The Department of Labor Fiduciary Rule Recent Business Decisions and Other DevelopmentsSince our last update, leaders from Columbus Life and the Western & Southern Financial Group have been actively reviewing the Department of Labor's Fiduciary Rule. A significant number of resources have been and will continue to be focused on our collective response so that - [American General - In The Know Newsletter](https://financial-brokerage.com/american-general-in-the-know-newsletter-3/) - American General has issued their latest newsletter. To view the In the Know, click here. - [North American - MYGA Rate Increase](https://financial-brokerage.com/north-american-myga-rate-increase/) - MYGA interest rate increase effective December 6, 2016 North American Guarantee Choice Multi-Year Guarantee Annuity (MYGA) interest rates are increasing as follows: Surrender Charge Period1 New High Band Rate Old High Band Rate New Low Band Rate Old Low Band Rate 3-Year 1.60% 1.30% 1.30% 1.00% 4-Year 1.80% 1.50% 1.55% 1.25% 5-Year 2.45% 2.25% 2.20% - [Fidelity & Guaranty - Rate Special and Product Update](https://financial-brokerage.com/fidelity-guaranty-rate-special-and-product-update/) - Rate Special and Product Update Fidelity & Guaranty has issued the following bulletins: * The MYGA 3.10% Interest Rate Special * Safe Income Plus Revision - [Lincoln Financial - December Rates](https://financial-brokerage.com/lincoln-financial-december-rates/) - Lincoln Financial has issued the following bulletin: Fixed Annuity Rate Increase - [Fidelity & Guaranty - December Interest Rates](https://financial-brokerage.com/fidelity-guaranty-december-interest-rates/) - FGL Annuity Interest Rate Updates for December 2016 INTEREST RATES - [American General - Annuity Rates are Changing](https://financial-brokerage.com/american-general-annuity-rates-are-changing-7/) - Annuity rates are changing Click to view new rates - [Legacy Marketing - LibertyMark Rate Change](https://financial-brokerage.com/5879-2/) - LibertyMark Rate Changes Effective 12/8/2016 Effective December 8, 2016, rates on some LibertyMark strategies are changing. To view the rates, click here. - [Americo - Important Notices](https://financial-brokerage.com/americo-important-notices/) - eApplication Signature Reminder As a reminder, if you are using our eApplication and select ‘tablet signing’, the signor (proposed insured, owner, or payor) must sign the application directly using the tablet. Full signatures are required, initials are not sufficient. If you are using ‘remote signing’, the person signing the application must be the person - [Savings Bank - Financial Strength Ratings](https://financial-brokerage.com/savings-bank-financial-strength-ratings/) - SBLI's A.M. Best Financial Strength Rating: A (Excellent) A.M. Best recently issued a press release in relation to our Financial Strength Rating. It reflects an adjustment from A+ (Superior) with a negative outlook to A (Excellent) with a stable outlook. While we at SBLI are disappointed with the downgrade, we were not surprised. The tight - [National Western - The Score Newsletter](https://financial-brokerage.com/national-western-the-score-newsletter-3/) - Changes to California Take Effect Jan. 1, 2017 In September, the state of California adopted Bill #2484 which modified the maturity date for annuities. Specifically, the bill added the following language to current regulations: "In the case of annuity contracts under which the fixed maturity date is later than the later of the anniversary of - [5 Things You May Not Have Known About Long Term Care Insurance](https://financial-brokerage.com/5-things-you-may-not-have-known-about-long-term-care-insurance/) - Presented by Michelle Daharsh November is Long Term Care Awareness month, so ask yourself, “what do you know about long term care insurance?” Unfortunately, some of our clients and prospects hold certain misconceptions or may even have an unfavorable opinion of long term care insurance, largely stemming from issues related to its early days of - [Legacy Marketing - Important Information](https://financial-brokerage.com/legacy-marketing-important-information/) - Legacy Marketing has issue the following bulletins: * Last Chance to Offer Premium Bonus on SpectraMark FIA's * Starting 1/1/2017, LibertyMark Goes "LT" in California * Earn Extra Dollars - [American General - Annuity Rates are Changing](https://financial-brokerage.com/american-general-annuity-rates-are-changing-6/) - Annuity rates are changing Click to view new rates - [Lincoln Financial - Lincoln Leader Newsletter and LTC Planning Tool](https://financial-brokerage.com/lincoln-financial-lincoln-leader-newsletter-and-ltc-planning-tool/) - Lincoln Financial has issued their latest newsletter. To view the Lincoln Leader,click here. To view the LTC cost of care map,click here - [American Equity - Catch Up News](https://financial-brokerage.com/american-equity-catch-up-news-3/) - DOL Update Department of Labor Fiduciary Rule On November 1, American Equity released a statement on the DOL Fiduciary Rule. Click on the link below to listen to this important Teleconference. To access the Teleconference, log-in to the agent website, then go to the Announcements tab and click Web Conferences. Click Here to Listen to - [Voya - Product Changes](https://financial-brokerage.com/voya-product-changes/) - Product Changes To achieve our vision to be America's Retirement Company, Voya must continually evolve our strategy in response to changing, and often challenging, market conditions. The insurance industry continues to face strong headwinds, including historically low interest rates, heightened volatility and regulatory changes. In response to these conditions and as part of our evolution - [Savings Bank Life - New Program and Year-End Deadlines](https://financial-brokerage.com/savings-bank-life-new-program-and-year-end-deadlines/) - New Program and Year-End Deadlines Savings Bank Life has issued the following bulletins: * Year-End Dates and Guidelines * New Upsell Program - [Bankers Fidelity - Rate Revision](https://financial-brokerage.com/bankers-fidelity-rate-revision/) - Medicare Supplement Rate Revision Please see the linked bulletin FB 16-076 regarding Medicare Supplement Closed B 9200 Series Rate Revision. - [Fidelity & Guaranty - Important Updates](https://financial-brokerage.com/fidelity-guaranty-important-updates-6/) - Fidelity & Guaranty has issued the following bulletins: * Safe Income Plus Decrease Payout Factors * Power Producer Conference - [American General - Rates and AG News](https://financial-brokerage.com/american-general-rates-and-ag-news-7/) - American General has issued the following bulletins: * Annuity Rates are Changing * DOL Ruling Impact * CI Infographic * Term Conversions * GUL3 Competition * LIRP Illustrations * Did You Know * Bulletins - [Columbus Life has issued the following bulletins:](https://financial-brokerage.com/columbus-life-has-issued-the-following-bulletins/) - Columbus Life has issued the following bulletins: * Current Interest Rates * Harness the Power of iGO * Zero to 80 in 20 minutes - [Life is Precious and We are Only Here for a Limited Time](https://financial-brokerage.com/life-is-precious-and-we-are-only-here-for-a-limited-time/) - Presented by Leonard Berthelsen Wow, is that a profound statement or what? The loss of a loved one or even an acquaintance brings us back to the stark reality that our time is certainly limited in this world and hopefully we have made the most of it. Some 20 months ago, I wrote about my - [State Life - Interest Rate Notice](https://financial-brokerage.com/state-life-interest-rate-notice-9/) - New business interest rates for the OneAmerica Care Solutions product suite remain unchanged, effective Tuesday, Nov. 15, 2016. View all rates Note: All products may not be available in all states or may vary by state. Policies are issued by The State Life Insurance Company, Indianapolis, Indiana. - [Fidelity & Guaranty - New Enhanced Death Benefit](https://financial-brokerage.com/fidelity-guaranty-new-enhanced-death-benefit-2/) - What are some FG Retirement Pro features? *13.00 percent cap - 1 year S&P 500 Annual Pt-to-Pt * 4.50 percent cap - 1 year S&P 500 Monthly Pt-to-Pt * 20.00 percent cap - S&P 500 Monthly Average * 4.50 percent - Initial rate on Benefit Base Fixed Interest Option * 7 percent vesting premium bonus** - [Legacy - Rates and Product Enhancements](https://financial-brokerage.com/5803-2/) - Rates and Product Enhancements Legacy has issued the following bulletins: Americo Rate Updates LibertyMark Product Enhancements Holiday Schedules and Year-End Deadlines - [Lincoln Financial - Term Conversion Guidelines](https://financial-brokerage.com/lincoln-financial-term-conversion-guidelines/) - Lincoln provides a highly competitive term portfolio Know the facts on term conversions for Lincoln term policies effective on or after September 12, 2016 To view more details, click here - [State Life - New DOL Rule](https://financial-brokerage.com/state-life-new-dol-rule/) - New DOL Rule The Department of Labor's Conflict of Interest Rule, also known as the fiduciary rule, will go into effect April 10, 2017. At OneAmerica, we're committed to continue helping you meet your clients' needs as they prepare for retirement, and supporting and protecting you when working as a fiduciary under the new - [Americo - Rates and Compliance Update](https://financial-brokerage.com/americo-rates-and-compliance-update/) - Americo has issued the following bulletins: New Annuity Rates Compliance Update - [American General - Rates and Important Information](https://financial-brokerage.com/american-general-rates-and-important-information-13/) - American General has issued the following bulletins: Annuity Rates are Changing Bank Draft Authorization Form and Procedures Bank Draft / EFT Failures New Part A Applications and LTLIA Agreement Available in Kansas - [North American - Updates to Underwriting Financial Guidelines](https://financial-brokerage.com/north-american-updates-to-underwriting-financial-guidelines/) - Please be advised that we recently made updates to our Financial Underwriting Guidelines. Read more information here. - [Lincoln Financial - Rates and Important Updates](https://financial-brokerage.com/lincoln-financial-rates-and-important-updates/) - Lincoln Financial has issued the following bulletins: All Products Rate Sheet Income Annuity Rate Sheet Important Term Conversion Updates - [Legacy Marketing - Rates and Important Information](https://financial-brokerage.com/legacy-marketing-rates-and-important-information/) - Legacy Marketing has issued the following bulletins: Rate Announcement New Bonus Blitz Program LibertyMark Being Discontinued in Missouri Income XL Rider Now XXL in Florida - [Columbus Life - Information and Upcoming Webinar](https://financial-brokerage.com/columbus-life-information-and-upcoming-webinar/) - Columbus Life has issued the following bulletins Fixed Annuity Enhancements have arrived Current interest rates Underwriting Tips and Tricks Webinar Harness the Power of iGO Webinar - [American Equity - Catch Up News](https://financial-brokerage.com/american-equity-catch-up-news-2/) - American Equity has issued the following bulletins: Gold Eagle Program Real Benefits 2017 Gold Eagle Producer Forum - [Life Changes. Are Your Clients Prepared?](https://financial-brokerage.com/life-changes-are-your-clients-prepared/) - Presented by Gary Peterson Sometimes it benefits your client to have them pay a little more for their term insurance. Check out the short article below: Life Changes. Are Your Clients Prepared? By Rachel Perez, Sales Development Specialist with North American When it comes to helping your clients select a term life insurance policy, you - [Fidelity & Guaranty - Annuity and Life Interest Rates](https://financial-brokerage.com/fidelity-guaranty-annuity-and-life-interest-rates-2/) - Fidelity & Guaranty has issued the following November interest rates. Annuity Interest Rates Life Interest Rates - [EquiTrust - Confidence Income Annuity](https://financial-brokerage.com/equitrust-confidence-income-annuity/) - Convert a lump sum to a stream of stable, guaranteed income! To view more details,click here. - [State Life - New California Approval](https://financial-brokerage.com/state-life-new-california-approval/) - Your clients work hard to accumulate retirement assets and leave a legacy for the people and charities they love most. But their assets could be jeopardized if they ever need long-term care (LTC). LTC doesn't just carry a financial price tag. There's also a high emotional price that is often paid by the entire family. - [American National - Value-Lock 10 Product Withdrawal](https://financial-brokerage.com/american-national-value-lock-10-product-withdrawal/) - Product Withdrawn: Value-Lock 10 Effective 11/1/2016, Value-Lock 10 Indexed Annuity will no longer be available for new sales. New Value-Lock applications must be dated by 10/31 and received by 11/3/2016. - [Fidelity & Guaranty - Requests to Reconsider Agent Applications](https://financial-brokerage.com/fidelity-guaranty-requests-to-reconsider-agent-applications/) - Fidelity & Guaranty Life Insurance Company is excited to receive requests from new agents for appointment and remain committed to helping them succeed in the application review process. There are limits as to what types of applications for appointment we will reconsider. This is a reminder of what situations will not be reconsidered. FIND OUT - [American General - Rates and Important Information](https://financial-brokerage.com/american-general-rates-and-important-information-12/) - American General has issued the following bulletins: * Annuity Rates are Changing * American Pathway Updates - [EquiTrust - Rate Increase](https://financial-brokerage.com/equitrust-rate-increase-2/) - ChoiceFour Annuity Rate Increase! Annual Reset Up To 2.6%! Effective 10/20 To view more details, click here. - [Illinois Mutual - Important Change to Universal Life](https://financial-brokerage.com/illinois-mutual-important-change-to-universal-life/) - Due to regulatory changes impacting universal life products, Illinois Mutual will be transitioning out of the universal life market effective November 15, 2016. We will continue to accept ValueLife Protector Universal Life applications until November 15, 2016. All ValueLife Protector applications must be received in the Home Office by Tuesday, November 15, 2016 and issued and - [North American - Important Updates](https://financial-brokerage.com/north-american-important-updates-9/) - Product Changes in California Recently signed California Assembly Bill 2884 will require changes to annuity products currently available in California. These changes potentially impact issue ages and surrender charges. While we and other carriers are working now to revise our products, we wanted to make you aware that we will be announcing specific changes and - [EquiTrust - California Product Changes](https://financial-brokerage.com/5743-2/) - California passed a legislative bill (Assembly Bill 2884) that places certain restrictions on fixed annuity surrender charges – resulting in some products being withdrawn from sale in California, and others offered with lower surrender charges. Products Withdrawn in California effective 1/1/17: * MarketPower Bonus Index – Withdrawn * MarketTwelve Bonus Index – Withdrawn * MarketBooster Index – Withdrawn 1035 - [Transamerica - TransWeekly Newsletter for October 20, 2016](https://financial-brokerage.com/transamerica-transweekly-newsletter-for-october-20-2016/) - Contract and Licensing New Agent Contracting Updates There are a number of updates that apply to all new agent contracts submitted on and after October 17, 2016. SEE FULL DETAILS Business Forms Here is the most recent Transamerica Forms Update document, which can also be found on the TransACT home page, under the Now Available - [Columbus Life - Important Enhancements and Rates](https://financial-brokerage.com/columbus-life-important-enhancements-and-rates/) - Important Enhancements and Rates Columbus Life has issued the following bulletins:* Enhanced Advantage FIA * Upcoming Enhancements to iGO * Current Interest Rates - [Sales Concept Playbook](https://financial-brokerage.com/sales-concept-playbook/) - Presented by Gary Peterson Agents are always asking the question, “How can I get my clients and prospects interested in buying Life insurance?” At Financial Brokerage, we have partnered with many carriers to offer sales ideas and concepts for you to use. Here is an example from North American’s “Sales Concept Playbook”. Legacy Building: Help - [The Income Stream Death Benefit](https://financial-brokerage.com/the-income-stream-death-benefit/) - Presented by Brian Leising on ProducersWeb.com, I’d like to help you close more life insurance sales by showing how an income stream death benefit can help your clients save money and better understand how their coverage works. We will explore the problem, present a money-saving solution and work to simplify it all for our clients. - [AXA Equitable - Life Communications for October 13, 2016](https://financial-brokerage.com/axa-equitable-life-communications-for-october-13-2016/) - Introducing BrightLife Term Series 157 - We’ve made our Term product more competitive, and we're working hard to provide a more consistent, better sales experience for you and your clients. Submit your informal applications to AXA today! -Updated: Smooth Sailing on Uncertain Waters client brochure and sales idea. The Sequence of Returns on your investments is - [American General - Rates, Webinar and Important Information](https://financial-brokerage.com/american-general-rates-webinar-and-important-information/) - Rates, Webinar and Important Information American General has issued the following bulletins: * Annuity Rates are Changing * New Client Profile Form * The Power Protector Index Webinar - [Prudential - Face Amount Restrictions](https://financial-brokerage.com/prudential-face-amount-restrictions/) - Face Amount Restrictions Prudential will be capping the face amounts on their GULs and Guaranteed SUL. * GUL max face will be $5M * SUL (guaranteed) max face will be $10M Transition rules: * Signed illustration in the home office by 10/23/2016 * Signed application in the home office by 10/28/2016 * INCLUDES CONVERSIONS To - [Bankers Fidelity - Medicare Supplement Rate Revisions](https://financial-brokerage.com/bankers-fidelity-medicare-supplement-rate-revisions/) - Medicare Supplement Rate Revisions Bankers Fidelity has issued the following bulletins: * Iowa Rate Revision * Texas Rate Revision * Kansas Rate Revision * Tennessee Rate Revision - [MetLife and Brighthouse Financial Separation](https://financial-brokerage.com/metlife-and-brighthouse-financial-separation/) - MetLife and Brighthouse Financial Separation Brighthouse Financial filed documents with the SEC to outline the planned separation from MetLife. Attached are some documents that provide additional details. Press Release Key Message Document - [Foresters - Application Amendment Process](https://financial-brokerage.com/foresters-application-amendment-process/) - You have more options to submit corrections to your non medical business before it's issued. You can now submit changes via fax, email or SecureDocs. Pre-issue changes to the original application must be initialed by the client with a revised signature page submitted to Foresters Financial. The changes will form part of the contract once - [Manhattan Life - Marketing Allowance Program Extended](https://financial-brokerage.com/manhattan-life-marketing-allowance-program-extended/) - Manhattan Life Agent Marketing Allowance Program Extended! This is a reminder that our Agent Marketing Allowance program for your Manhattan Life Medicare Supplement business has been extended through December 31, 2016! Earn an extra $100 for each underwritten case and $25 for each non-underwritten case, excluding G. I. business written during the normal 63 - [State Life - Interest Rate Notice](https://financial-brokerage.com/state-life-interest-rate-notice-8/) - Interest Rate Notice New business interest rates for the OneAmerica Care Solutions product suite remain unchanged, effective Saturday, Oct. 15, 2016. View all rates - [American General - Rates and Important News](https://financial-brokerage.com/american-general-rates-and-important-news-4/) - Important change to Secure Lifetime GUL 3 On October 17, in response to the historically low interest rate environment, we have an upcoming pricing change to our Secure Lifetime GUL 3 product for new sales. Premiums will increase an average of 1-5% depending on age, underwriting classes, and funding pattern. Full details, including transition rules, - [Protective Life - News Update](https://financial-brokerage.com/protective-life-news-update-2/) - Protective Life has issued their latest newsletter. To view the Protective Today, click here. - [Prudential - Guaranteed Universal Life Premium Changes](https://financial-brokerage.com/prudential-guaranteed-universal-life-premium-changes/) - Prudential continuously reviews their product portfolio to make sure that they are offering a competitive suite of products that meets the needs of your clients. Based on their recent review, Prudential has decided to increase premiums on PruLife® Universal Protector and PruLife SUL Protector. Find out What This Means to You and Your Clients - [Legacy Marketing - Rate Updates and New State Approvals](https://financial-brokerage.com/legacy-marketing-rate-updates-and-new-state-approvals/) - LegendMark 10 LT, 10 LT Plus Now Available in MN, OR, PA, and WA! Tired of limited FIA offerings in your state? You can now add one of the market's strongest, most innovative FIAs to your portfolio—LegendMark from Fidelity & Guaranty Life Insurance Company! Clients get the best of both worlds for accumulation - [American National - Product Withdrawal Value-Lock 10](https://financial-brokerage.com/american-national-product-withdrawal-value-lock-10/) - Effective 11/1/2016, Value-Lock 10 Indexed Annuity will no longer be available for new sales. New Value-Lock applications must be dated by 10/31 and received by 11/3/2016. - [Illinois Mutual - Occupation Class Upgrade](https://financial-brokerage.com/illinois-mutual-occupation-class-upgrade/) - With Illinois Mutual’s Personal Paycheck Power DI, your eligible W-2 clients may receive a one-class occupation upgrade, which allows them to apply for additional optional benefits and riders offering them more coverage options. To learn more, download the W-2 Employee Occupation Class Upgrade for DI (Form A9680) flyer available on our Resource Library on the - [North American - Per Stirpes Beneficiary Designation](https://financial-brokerage.com/north-american-per-stirpes-beneficiary-designation/) - We would like to remind you that Per Stirpes is an acceptable beneficiary designation. Read more information about how to request Per Stirpes at the time of application. - [American General - Important Information](https://financial-brokerage.com/american-general-important-information-3/) - American General has issued the following bulletins: NEW Underwriting Enhancements at AIG Updates to American Pathway Coming Soon - [American National - Interest Rates and Important Information](https://financial-brokerage.com/american-national-interest-rates-and-important-information/) - ASIA PLUS Interest Rates Increase 10/1! American National Rate Sheet - October Highlights: ANICO Strategy Indexed Annuity PLUS 7 & 10 Rates/caps INCREASE for all 1 year strategies. See Rate Sheet for details. No Changes to Other Caps/Rates! Deadlines: App, Exchanges, Cash with App, & Wire Transfer Deadlines: Signed & Dated: 9/30 Received: 10/5 - [Banner/William Penn - Financial Strength Ratings Reaffirmed](https://financial-brokerage.com/bannerwilliam-penn-financial-strength-ratings-reaffirmed/) - Legal & General America continues to back our market-leading competitive position and solid operating performance with exceptional financial strength ratings from three of the world's top ratings agencies. Standard & Poor's 'AA-' (Very Strong) Financial Strength Rating The Standard & Poor's review dated July 20, 2016, reaffirmed the AA- (Very Strong) rating we share with - [Fidelity & Guaranty - October Interest Rates](https://financial-brokerage.com/fidelity-guaranty-october-interest-rates/) - Fidelity & Guaranty Life Insurance Company is dedicated to providing you with the most recent information in a timely manner. Simply click below to download your October 2016 rate sheets, state availability and product features sheet. Annuity Rates Life Rates - [Fidelity & Guaranty - Important Updates](https://financial-brokerage.com/fidelity-guaranty-important-updates-5/) - Fidelity & Guaranty has issued the following bulletins: Life Insurance Awareness Month Have Your Clients Ever Considered IUL Insurance Many of Your Clients May Be Underinsured Did You Know? Performance Pro Update Top Selling FIA's Now Available in MN, OR, PA, and WA FIA's in Florida Now Offer the EGMWB Rider - [Americo - Compliance Update](https://financial-brokerage.com/americo-compliance-update-2/) - LIMRA Website Username Change As a result of heightened awareness of Cyber-Security, privacy, identity theft, and unauthorized use of Personally Identifiable Information (PII), effective September 30, 2016, LIMRA is changing the Username for current users. Going forward new and current users will be asked for their National Producer Number (NPN) as the Username. For current - [Insuring a Non-Working Spouse](https://financial-brokerage.com/insuring-a-non-working-spouse/) - Presented by Jim Linn Have you ever considered the cost to replace a stay-at-home spouse? According to an article on http://www.businessinsider.com/value-of-stay-at-home-moms-2013-5 that value is in excess of $100,000 per year. Consider the fact that the role of a stay-at-home spouse encompasses cooking, cleaning, errand running, chauffeuring and child care along with a list of additional - [American General - Rates and Important News](https://financial-brokerage.com/american-general-rates-and-important-news-3/) - American General has issued the following bulletins: Annuity Rates are Changing The Power Series of Indexed Annuities Webinar LIAM Leads on LinkedIn Impacts of ACA Generous Term Conversions Tax diversification customizable PDF ePolicy Enhancements - [North American - Rates](https://financial-brokerage.com/north-american-rates-2/) - North American rate update - [State Life - Asset-Care PEC Funding Deadline and Required Annuity Training](https://financial-brokerage.com/state-life-asset-care-pec-funding-deadline-and-required-annuity-training/) - REMINDER: Asset-Care PEC Funding Deadline is Sept. 30 This is a reminder that the deadline to fund Asset-Care applications that qualify for pre-July 1, 2016 base premium rates is Friday, Sept. 30, 2016. Transition rules are as follows: * All business submitted/received no later than Thursday, June 30 and fully funded no later than Friday, - [Legacy Marketing - Rate Updates](https://financial-brokerage.com/5658-2/) - Legacy Rate Announcement The latest rates are in for Legacy Exclusive Products. To be among the first to know, download the complete package of current Quick Reference sheets, showcasing rate information, product highlights, and state availability. Any changes are indicated in blue. - [EquiTrust - Rate Change](https://financial-brokerage.com/equitrust-rate-change-2/) - Rate Change to Monthly Cap Index Accounts - [Americo - Annuity Rate Change Notice](https://financial-brokerage.com/americo-annuity-rate-change-notice-2/) - New Annuity Rates Effective September 22, 2016 We are excited to announce that Americo has made more positive rate adjustments to our Ultimate One Index Series and Future Provider Series annuity products. New contracts issued on or after September 22, 2016 will receive the new rates. Rates in GREEN indicate an increase. For more information and - [Foresters - Important Information](https://financial-brokerage.com/foresters-important-information-3/) - A.M. Best Company has affirmed an "A" (Excellent) rating for The Independent Order of Foresters — for the 16th consecutive year! We share our strength with our members — keep your clients informed on our historical dividend2 performance and asset mix with this helpful proof point. - [Mutual of Omaha - Life Portfolio Changes](https://financial-brokerage.com/mutual-of-omaha-life-portfolio-changes/) - Upcoming Changes to Our Life Portfolio Our industry has faced many challenges over the past several years – from persistently low interest rates to changing industry regulations. This environment significantly impacts how we are able to price our life insurance products, especially those with no-lapse guarantees, while still maintaining a profitable business model so that - [Legacy Marketing - Annuity Suitability Training for Massachusetts](https://financial-brokerage.com/legacy-marketing-annuity-suitability-training-for-massachusetts/) - Click here to read Fidelity & Guaranty Life’s Agency Services Bulletin announcing mandatory annuity suitability CE training in Massachusetts. Click here to read Americo Financial Life and Annuity Insurance Company’s notice regarding Massachusetts’ adoption of new regulations related to suitability in annuity transactions. - [Are Medicare Supplements On Your Radar This Fall?](https://financial-brokerage.com/are-medicare-supplements-on-your-radar-this-fall/) - Presented by Leonard Berthelsen That time of the year is quickly approaching where there is much focus on the Medicare program and supplemental coverage that is a part of your client's insurance portfolio or soon will be. Are you ready, do you know how the whole program works? Let’s start with a common misconception about - [LifeSecure - News Updates](https://financial-brokerage.com/lifesecure-news-updates-2/) - Life Secure - News Updates - [AXA Equitable - Life Communications for September 12, 2016](https://financial-brokerage.com/axa-equitable-life-communications-for-september-12-2016/) - AXA Equitable - Life Communications - [Accordia - Underwriting Upgrade](https://financial-brokerage.com/accordia-underwriting-upgrade/) - Need an Automatic Underwriting Upgrade? Check this out! To view more details, click here. - [John Hancock - New Lower Term Rates](https://financial-brokerage.com/john-hancock-new-lower-term-rates/) - John Hancock has lowered new term rates. To view more details, click here. - [North American - Important Upcoming Changes](https://financial-brokerage.com/north-american-important-upcoming-changes/) - Important Upcoming Changes for October 8, 2016 As one of the leading providers of life insurance and annuities in the United States, we have continuously fulfilled commitments to our customers since 1886. Today, we remain focused on our commitment to our policy owners and our distribution partners and continue to make decisions for the long-term. - [Where Am I?](https://financial-brokerage.com/where-am-i/) - Presented by Gary Peterson In our technological world, we can use our GPS system to find out where we are and how we can get to another place. Now is a good time to turn on your “Sales GPS”, using it to guide you through the remainder of 2016. You can find a path to - [Transamerica - TransWeekly Newsletter for September 8, 2016](https://financial-brokerage.com/transamerica-transweekly-newsletter-for-september-8-2016/) - Underwriting Policy Change Processing Updates In an effort to streamline policy change processing and create consistent standards across all distribution groups and products, the following guidelines will be implemented beginning September 8, 2016. Take a look below for common policy change scenarios. Learn More ________ Business Forms Here is the most recent Transamerica Forms Update - [Savings Bank Life - The Changes Program](https://financial-brokerage.com/savings-bank-life-the-changes-program/) - The Changes Program A client’s life can change at a moment’s notice and, with it, his or her term life insurance needs. Whether it’s marriage, the birth of a child, or the purchase of a new home, you can now bring your clients increased protection and peace of mind quicker and easier than ever before. To view - [Bankers Fidelity - Important Updates](https://financial-brokerage.com/bankers-fidelity-important-updates-2/) - Bankers Fidelity has issued the following bulletins: * New CSG Mobile Quoting App * PHI Process - [Americo - Annuity Rate Change Notice](https://financial-brokerage.com/americo-annuity-rate-change-notice/) - New Annuity Rates Effective September 8, 2016 Americo has made some positive rate adjustments to our Ultimate One Index Series and Future Provider Series annuity products. New contracts issued on or after September 8, 2016 will receive the new rates. Rates in GREEN indicate an increase. For more information and to view new rates, click - [Protective - Lower Rates for Custom Choice UL](https://financial-brokerage.com/protective-lower-rates-for-custom-choice-ul/) - Lower Rates for Custom Choice UL Protective Custom Choice UL—now even more competitive with a 1.5% premium decrease in level death benefit periods of 15, 20, 25 and 30 years for non-smoker risk classes. And don’t forget about the added value Protective Custom Choice UL offers clients, like level premiums after the coverage period ends. - [Legacy Marketing - Americo Rate Update](https://financial-brokerage.com/legacy-marketing-americo-rate-update/) - The latest rates are in for Legacy Exclusive Products. To be among the first to know, download the complete package of current Quick Reference sheets, showcasing rate information, product highlights, and state availability. Any changes are indicated in blue. - [State Life - Noteworthy News](https://financial-brokerage.com/state-life-noteworthy-news-5/) - OneAmerica Celebrates Two Big Wins A.M. Best affirmed our strong rating*, and LifeHealthPro ranked us 42 (up from 44 last year) on its annual top 50 list of life insurers. State Life has issued the following bulletins: Review the full updated guidelines for producers Navigate Section 1035 Exchange and Transfer Guide September 9: OneAmerica Training: Hybrid Life - [Lincoln Financial - Important Product Updates and Upcoming Webinar](https://financial-brokerage.com/lincoln-financial-important-product-updates-and-upcoming-webinar/) - Lincoln Financial has issued the following bulletins: Lincoln Leader - Important Pricing Information Lincoln Financial Group - FIA Basic Video Lincoln Financial Group - LINC Edge Video Competitive Services Webinar Important Product Updates Planning for Retirement Advisory Guide Planning for Retirement Client Workbook - [American Equity - Compliance Zone Now Available](https://financial-brokerage.com/american-equity-compliance-zone-now-available-3/) - American Equity would like to keep you informed and aware of important regulatory and compliance issues. Click here, to view the most recent edition of Compliance Zone, our Compliance newsletter. We appreciate your help and cooperation in being compliant and adhering to our policies. - [Protective Life - Increased Underwriting Limits](https://financial-brokerage.com/protective-life-increased-underwriting-limits-2/) - Have you heard the good news yet? Protective Life announced increases to certain underwriting limits that could make it easier for you to place your larger cases with us. Retention limit increases from $2 million to $5 million for most ages and policies First-year premium increases from $1 million to $2 million for all policies Autobind - [American National - New Interest Rates and Applications](https://financial-brokerage.com/american-national-new-interest-rates-and-applications/) - Click here to read. - [National Western - The Score Newsletter Including Rates for August 22, 2016](https://financial-brokerage.com/national-western-the-score-newsletter-including-rates-for-august-22-2016/) - Riders Now Available in MN and NJ The Accelerated Death Benefit Rider (ADBR) for Terminal Illness and the Accelerated Death Benefit Rider (ADBR) for Chronic Illness on both the NWL Lifetime Returns Select and NWL SafeGuard Select are now approved in MN and NJ. Updated illustration software, version 81 includes these additional riders and will - [Legacy Marketing - MVA Rider Removed form FIA's in Missouri](https://financial-brokerage.com/legacy-marketing-mva-rider-removed-form-fias-in-missouri/) - AdvanceMark Ultra, LegendMark, and SpectraMark fixed deferred indexed annuity contracts in Missouri will not include a market value adjustment (MVA), effective with policies issued on or after Wednesday, August 31, 2016. To view more details, click here - [Fidelity & Guaranty - MVA Rider Removed from FIA's in Missouri](https://financial-brokerage.com/fidelity-guaranty-mva-rider-removed-from-fias-in-missouri/) - Effective with the September 8, 2016 buy date, FGL will remove the Market Value Adjustment (MVA) rider from fixed indexed annuities in the state of Missouri. FIND OUT MORE - [Bankers Fidelity - Important Information and Approvals](https://financial-brokerage.com/bankers-fidelity-important-information-and-approvals/) - Bankers Fidelity has issued the following bulletins: New Senior Hospital Indemnity Product in Iowa New Senior Hospital Indemnity Product in Nebraska New Senior Hospital Indemnity Product in Texas Appointment Fees Agency Standards - [American National - Signature GUL Updates](https://financial-brokerage.com/american-national-signature-gul-updates/) - Current Rates NY Current Rates Signature GUL Data Page Correction A remediation letter and new data page has been mailed out to all clients and their agent of record to correct the dates listed for the guaranteed cash out option periods. The old data page incorrectly printed the starting year of all rider option periods - [Protective Life - Rate Reductions and Conversion Correction](https://financial-brokerage.com/protective-life-rate-reductions-and-conversion-correction/) - Protective has issued the following bulletins: Protective Indexed Choice UL Loan Interest Rate Reduction and Illustration Updates Protective Custom Choice UL Rate Decrease Products Available for Conversion - CORRECTION. - [North American - New Rates and Important Information](https://financial-brokerage.com/north-american-new-rates-and-important-information-2/) - North American has released new MYGA rates. - [Transamerica - TransWeekly Newsletter for August 25, 2016](https://financial-brokerage.com/transamerica-transweekly-newsletter-for-august-25-2016/) - Product New Trendsetter Term Consumer Letters Check out the latest Trendsetter materials. Use the new term life insurance, Trendsetter® Super, and Trendsetter® LB letters to make a connection with new and existing clients. ________ Forms Updated Questionnaires Now Available All supplemental questionnaires have been updated, which required an assignment of new form numbers. View affected - [Fidelity & Guaranty - Annuity and Life Interest Rates](https://financial-brokerage.com/fidelity-guaranty-annuity-and-life-interest-rates/) - Fidelity & Guaranty has issued the following September interest rates. * Annuity Rates * Life Rates - [AXA Equitable - Life Communications for August 19, 2016](https://financial-brokerage.com/axa-equitable-life-communications-for-august-19-2016/) - AXA Equitable has issued their latest newsletter. To view the Life Communications , click here. - [Bankers Fidelity - Important Updates](https://financial-brokerage.com/bankers-fidelity-important-updates/) - NEW Agents Underwriting Guide Please see the linked bulletin FB 16-050 regarding the NEW Agent's Underwriting Guide. Telemarketing Suspension in Louisiana Please see the linked bulletin in FB 16-055 regarding a Suspension of Telephonic Solicitations in Louisiana. - [Overcoming objections in a LTC sale](https://financial-brokerage.com/overcoming-objections-in-a-ltc-sale/) - Presented by Tim Dreher In my many years of working with Long Term Care insurance, I’m pretty confident that I’ve heard just about every objection there is to hear. Over the next several blog posts, I will focus on what I believe are the three most common objections. The first objection: “I don’t need Long - [Fidelity & Guaranty - New Enhanced Death Benefit](https://financial-brokerage.com/fidelity-guaranty-new-enhanced-death-benefit/) - Important Updates New Enhanced Death Benefit - Now Available with FG Retirement Pro Effective immediately, FG Retirement Pro fixed indexed annuity offers two death benefit options. It offers the traditional base annuity death benefit or the NEW Enhanced Death Benefit (EDB). The new EDB is available with no explicit fee. It gives your client’s family and loved - [American General - Deferred Income Annuity Adds Withdrawal Benefit](https://financial-brokerage.com/american-general-deferred-income-annuity-adds-withdrawal-benefit/) - American Pathway Deferred Income Annuity (DIA) adds withdrawal benefit The DIA now offers a one-time opportunity to withdraw up to 100% of the present value of remaining guaranteed income payments as a lump sum. - [Legacy Marketing - Reallocations Made Easier](https://financial-brokerage.com/legacy-marketing-reallocations-made-easier/) - Fidelity & Guaranty Life Insurance Company Increases Reallocation Window, Offers Reallocation by Phone To view more details, click here. - [Bankers Fidelity - Medicare Supplement Rate Updates](https://financial-brokerage.com/bankers-fidelity-medicare-supplement-rate-updates/) - Medicare Supplement Rate Revision Please see the linked bulletin FB 16-048 regarding Medicare Supplement Rate Revisions. Medicare Supplement Rate Restructure Please see the linked bulletin FB 16-049 regarding a Medicare Supplement Rate Restructure. - [With whom do you want to leave your money](https://financial-brokerage.com/with-whom-do-you-want-to-leave-your-money/) - Presented by Gary Peterson If given the choice, to whom would your clients want to leave their money: 1. Loved Ones 2. Charity 3. The Government With your assistance, your clients could potentially leave all of their money to all other than the government. Use the RMD from their IRA or qualified plan to purchase life insurance that - [Transamerica - TransWeekly Newsletter for August 11, 2016](https://financial-brokerage.com/transamerica-transweekly-newsletter-for-august-11-2016/) - Product New Trendsetter Term Marketing Materials Check out the latest Trendsetter flyers. Show producers how to help clients potentially reduce insurance costs with strategies like advancing premiums and layering policies Compliance Louisiana Mandatory Reporting Update Louisiana La R.S. 22:1546(B) requires producer agencies to register, under its agency license, every member, partner, officer, director, and anyone - [American General - Rates and AG News](https://financial-brokerage.com/american-general-rates-and-ag-news-6/) - American General has issued the following bulletins: Annuity Rates are ChangingIncome for Life Without Winning the Lottery A Step Forward for A&H Get Easy Access to APS Status Beefing Up Security Webinar Wednesdays Compliance - [Legacy Marketing - Rates on the Rise](https://financial-brokerage.com/legacy-marketing-rates-on-the-rise/) - Strategy 7/29/16 Rates and Caps on LibertyMark SE 10 How large of a percentage increase is that? (over 6/29/16 rates and caps) Two-Year Pt-to-Pt 75% Par. Rate 15.38% Two-Year Risk Control Pt-to-Pt 107% Par. Rate 7.00% One-Year Annual Pt-to-Pt 6.10% Cap 8.93% One-Year Pt-to-Pt Inversion 9.30% Cap 13.41% Rates effective July 29, 2016, and - [Protective - Products Available for Conversion](https://financial-brokerage.com/protective-products-available-for-conversion/) - To help meet your clients' needs, Protective Life offers policyholders who own a qualifying* life insurance policy the ability to convert or exchange their policy to an eligible Protective Life permanent insurance option without providing evidence of insurability. To view more details, click here. - [Fidelity & Guaranty - Important Information](https://financial-brokerage.com/fidelity-guaranty-important-information-2/) - Fidelity & Guaranty has issued the following bulletins: Massachusetts Annuity Suitability CE Training FIA Reallocation Request Change - [State Life - Interest Rate Notice](https://financial-brokerage.com/state-life-interest-rate-notice-7/) - New business interest rates for the OneAmerica Care Solutions product suite remain unchanged, effective Monday, August 15, 2016. View all rates - [Prospecting for Disability Income Protection: Who is Your Target Market?](https://financial-brokerage.com/prospecting-for-disability-income-protection-who-is-your-target-market/) - Presented by Michelle Daharsh Are you having the conversation with your prospects about disability income protection? Or are you reluctant to bring up the conversation for fear that you may not know the answer. With so many types of clients, of all ages and different incomes and occupations, who do you prospect for first? The - [American General - Important Information](https://financial-brokerage.com/american-general-important-information-2/) - American General has issued the following bulletins: Important Information Regarding State Replacement Forms Updated Instructions for Viewing APS Status - [Fidelity & Guaranty - FIA Product Updates](https://financial-brokerage.com/fidelity-guaranty-fia-product-updates/) - FIA Product Updates Take Effect With August 15 Buy Date Given today’s low interest rate environment, it’s necessary for us to update the Prosperity Elite Series’ and Safe Income Plus Enhanced Guaranteed Minimum Withdrawal (EGMWB) roll-up rate. The vesting premium bonus for Prosperity Elite 10 and Safe Income Plus will change, as well as cap rates - [LifeSecure - Next Generation PAI and HR Insurance Products](https://financial-brokerage.com/5508-2/) - Our commitment to simplicity, flexibility and innovation is maintained in our new PAI and HR product designs. *View LifeSecure's Product Availability Chart which indicates all states in which the these products are now available. No changes at this time for previously launched states. Additional states will be available soon. View the Hospital Recovery Plan-at-a-Glance flyer Personal Accident Insurance: What's New? - [American General - AG News for July 28, 2016](https://financial-brokerage.com/american-general-ag-news-for-july-28-2016/) - Get with the IN crowd Learn pro-tricks for consumer-friendly illustrations with InsMark in our upcoming InsMark Webinars. Insmark is always free to producers when used with AIG illustration systems. Learn more about InsMark and Advanced Markets Sometimes the stars align The "If Strong Index Performance" feature, for when the index does you a solid, is - [Bankers Fidelity - New Updates](https://financial-brokerage.com/bankers-fidelity-new-updates/) - New PHI Information Please see the linked bulletin FB 16-039 reading New PHI Information. New Senior Hospital Indemnity Product Please see the linked bulletin FB 16-034 regarding the New Senior Hospital Indemnity Product. - [Transamerica - TransWeekly Newsletter for July 27, 2016](https://financial-brokerage.com/transamerica-transweekly-newsletter-for-july-27-2016/) - ________ Inforce Business Service Level Update Due to a recent influx of inforce illustration requests, the team has temporarily increased service levels to 10-15 business days to handle the increased volume. Please wait at least 10 business days before following up with a status request. The team is working hard to bring the response times - [American Equity - News Update](https://financial-brokerage.com/american-equity-news-update/) - NOW AVAILABLE! American Equity's Volatility Control Index Illustrations are Now Available American Equity is excited to announce Volatility Control Illustrations are now available with our Illustration Software. Click here to run an illustration. CONVENTION Join American Equity at Walt Disney World in 2017! American Equity recently announced the 2017 Agent Convention destination - Walt Disney - [AXA Equitable - News and Information](https://financial-brokerage.com/axa-equitable-news-and-information/) - AXA Equitable has issued the following bulletins: * Life Podcast Series * News and Information - [American National - Rates and Important Information](https://financial-brokerage.com/american-national-rates-and-important-information-2/) - American National has issued the following bulletin The Independent Voice including August Interest Rates - [The Eight Elements of Extended Care Riders - Element 8 – Inflation](https://financial-brokerage.com/the-eight-elements-of-extended-care-riders-element-8-inflation/) - Presented by Brian Leising Finding the right formula for each client Not all extended care riders on life insurance policies are created equally. Do you know the differences? Different combinations will appeal to different clients more than others. Here are eight of the major distinguishing features among insurance companies offering extended care riders. All include - [American General - Annuity Rates are Changing](https://financial-brokerage.com/american-general-annuity-rates-are-changing-5/) - Annuity rates are changing Click to view new rates - [Financial Brokerage Inc. Fidelity & Guaranty Agents](https://financial-brokerage.com/5483-2/) - Fidelity & Guaranty has issued their August interest rates. Annuity Rates Life Rates - [Banner/William Penn - State License Requirements](https://financial-brokerage.com/bannerwilliam-penn-state-license-requirements/) - NEED AN APPOINTMENT TO SUBMIT AN APP? NOT ALWAYS. NEED A LICENSE? YOU BET. We are receiving a number of applications where the writing broker was not licensed in the state where the insurance was solicited and/or was intended to be issued. We are also receiving AppAssist Request for Life Insurance Interviews (RLIs) where the - [MetLife Announcement Regarding Brighthouse Financial](https://financial-brokerage.com/metlife-announcement-regarding-brighthouse-financial/) - MetLife Announcement Regarding Brighthouse Financial MetLife, Inc. (NYSE: MET) ("MetLife" or the "Company") announced on July 21st that it will rebrand its U.S. Retail business as Brighthouse Financial after it is separated from the Company. > Press Release FAQs - [North American Multi-Year Guarantee Annuity Rates are Decreasing Effective August 2, 2016](https://financial-brokerage.com/north-american-multi-year-guarantee-annuity-rates-are-decreasing-effective-august-2-2016/) - Click here to read more. - [Legacy Marketing - Commission Rate Changes](https://financial-brokerage.com/legacy-marketing-commission-rate-changes/) - Legacy Marketing has issued the following bulletins: Three Weeks to Secure Higher FGL Rates and Commission Reminder - LibertyMark Commission Rates Changing July 29, 2016. Please call our office for more details. - [State Life - Asset Care PEC Funding Extension](https://financial-brokerage.com/state-life-asset-care-pec-funding-extension/) - OneAmerica is extending the deadline from Wednesday, Aug. 31 to Friday, Sept. 30., 2016 to fund Asset-Care applications that qualify for pre-July 1, 2016 base premium rates. Updated transition rules are as follows: All business submitted/received no later than Thursday, June 30 and fully funded no later than Friday, Sept. 30, 2016 may use the - [North American - Enhancements to SimpleSubmit](https://financial-brokerage.com/north-american-enhancements-to-simplesubmit/) - North American is excited to announce two enhancements for SimpleSubmit. Click here to read more. - [American Equity - New Commission Payout on MYGA Renewals](https://financial-brokerage.com/american-equity-new-commission-payout-on-myga-renewals/) - Effective July 14, 2016, American Equity will pay 50% of your stated commission rate on Guarantee Series/MYGA automatic renewals. The new commission payout will be applied to MYGA renewals issued July 14, 2016 and after. No adjustments will be made to past renewals. No exceptions. - [The Aging of the Baby Boomer Generation has an Enormous Effect on Federal and State Budgets](https://financial-brokerage.com/the-aging-of-the-baby-boomer-generation-has-an-enormous-effect-on-federal-and-state-budgets/) - Presented by Leonard Berthelsen It was only a matter of time before the effect of the aging of Baby Boomers hit the Federal & State budgets. With less than 10% of this class of folks owning long-term care insurance, it has become necessary for the Federal Medicare and Medicaid system to review their budgets but - [Mutual of Omaha - Express Newsletter for July 20, 2016](https://financial-brokerage.com/mutual-of-omaha-express-newsletter-for-july-20-2016/) - Mutual of Omaha has released their latest news letter. Read More - [Assurity Life Insurance](https://financial-brokerage.com/5467-2/) - Assurity has issued the following bulletins: Assurity Advantage Guarantee Program Flyer A Tool to Handle Common Life Insurance Objections Webinar The Chairman's Circle Leaders Conference - [Americo - Annuity Rate Change](https://financial-brokerage.com/americo-annuity-rate-change-4/) - New Annuity Rates Effective July 29, 2016 The deadline to lock in current rates is July 28, 2016. Applications and money must be received in the Home Office by July 28, 2016, 5:00 PM, Central, in order to lock in current rates. 1035 exchange and transfer money on applications received by end of day on July - [EquiTrust - New Rates and Important Information](https://financial-brokerage.com/equitrust-new-rates-and-important-information/) - EquiTrust has issued the following bulletins: New Interest Rates DynaMARC Index Annuity Showbook - [LifeSecure - News Updates](https://financial-brokerage.com/lifesecure-news-updates/) - Soon You'll Be Seeing Things Differently Over the past 10 years, LifeSecure has become known for our simple product features, flexibility, personal service, and innovative tools that streamline selling. That's not changing. In fact, we're working harder than ever to uphold and strengthen the trust we've built with you. But soon we'll have a refreshed - [National Western - Financial Ratings and New Florida Approval](https://financial-brokerage.com/national-western-financial-ratings-and-new-florida-approval/) - Living Benefit Term - Now Available in Florida! We are pleased to announce that NWL's Living Benefit Term product is now approved in the Sunshine State. Check FormSource for the updated product kit. When Ratings Matter, NWL's Strong Financial Standing is Reaffirmed! The ability to maintain strong ratings is increasingly important as our industry continues - [How to Choose a Long Term Care Carrier](https://financial-brokerage.com/how-to-choose-a-long-term-care-carrier/) - Presented by Michelle Daharsh When it comes to selecting an LTCi carrier today, you certainly have lots of choices. Most carriers offer a basic foundation of benefits that look fairly similar from company to company, so how do you make a choice and recommendation to your prospect? Here are three characteristics to consider when making - [Legacy Marketing - New LibertyMark State Approvals](https://financial-brokerage.com/legacy-marketing-new-libertymark-state-approvals/) - Licensed in Delaware, New Hampshire, or Pennsylvania. Newly approved features in your state make it easier to expand your sales of LibertyMark—the pure accumulation fixed indexed annuity series from “A” rated* Americo Financial Life and Annuity Insurance Company. To view more details, click here. - [Foresters - New Illustration Software](https://financial-brokerage.com/foresters-new-illustration-software/) - Foresters Financial is thrilled to announce that effective June 13, 2016, SMART UL and Lifefirst are now available on the latest version of their illustration software- Foresight 6.0. This is the same software on which Advantage Plus and Your Legacy are currently illustrated. This upgrade brings with it a new set of features in addition to - [American General - New Annuity Rates](https://financial-brokerage.com/american-general-new-annuity-rates-2/) - Annuity rates are changing Click to view new rates - [North American - New Rates and Rider Changes](https://financial-brokerage.com/north-american-new-rates-and-rider-changes/) - Effective July 19, 2016 Interest Rates Decrease Interest rates on most fixed index annuities are decreasing (excluding Multi-Year Guarantee Annuities) Rider Availability Changes * Income Pay Plus/Income Pay Guaranteed Lifetime Withdrawal Benefit Riders will no longer be available on North American Charter Plus fixed index annuity * Income Pay Plus/Income Pay will be available - [State Life - Rate Change and Conference Update](https://financial-brokerage.com/state-life-rate-change-and-conference-update/) - State Life has issued the following bulletins: Interest Rate Changes Grand Cayman Conference Producer Qualification Rules - [American Equity - Rate Change](https://financial-brokerage.com/american-equity-rate-change/) - Rate Change Effective July 14, 2016 American Equity's Choice 10 Annual Point to Point with Participation Rate will change on July 14, 2016. Please see the grid below for the new crediting rate. To receive the current rate on the Choice 10 Annual Point to Point with Participation Rate, original applications along with cash or - [Athene - Interest Rate Update](https://financial-brokerage.com/athene-interest-rate-update/) - Effective July 9, 2016, we're adjusting Income Base Bonus Percentages and crediting rates on our Athene Ascent Pro products as listed below. Income Withdrawal Percentages for all ages will also be adjusted. Download the updated income payout chart here. View Rates - [North American - Important News](https://financial-brokerage.com/north-american-important-news/) - Interest Rates Decrease Interest rates on most fixed index annuities are decreasing (excluding Multi-Year Guarantee Annuities). Watch your email for updated rates coming soon. New interest rates will apply to applications received in the Home Office on or after July 19, 2016. To receive current rates get applications in before July 19, 2016 NEW Threshold - [Legacy Marketing - New Advertising Rules in California](https://financial-brokerage.com/legacy-marketing-new-advertising-rules-in-california/) - Effective July 1: New Print Advertising Type Size Requirements in California To view more details, click here. - [AXA Equitable - More Clients Now Eligible for LTC Rider](https://financial-brokerage.com/axa-equitable-more-clients-now-eligible-for-ltc-rider/) - We heard you! Financial professionals told us that our Long-Term Care Services Rider was one of the best in the industry – offering true indemnity coverage with no receipts, the ability to live at home and a flexible payment structure. But you wanted more of your clients to be eligible for this rider. To view - [American General - Rates, Webinars and Important Information](https://financial-brokerage.com/american-general-rates-webinars-and-important-information-4/) - American General has issued the following bulletins: Annuity Rates are Changing Upcoming Webinars Accelerated Access Solution Life to the Max Online Sales Tool Customer Identification Program Rapid Rater Connection to AG Quick Ticket Updated Guidelines to Juvenile Applicants - [Transamerica - TransWeekly Newsletter for June 30, 2016](https://financial-brokerage.com/transamerica-transweekly-newsletter-for-june-30-2016/) - PRODUCT Trendsetter Portfolio Reprice Effective June 25, 2016, Trendsetter Super and Trendsetter LB were repriced to align with Transamerica's strategic focus and to improve our competitive position within key customer markets. In particular, we've improved our rates for clients age 45 and under and for Standard and Preferred Tobacco users. Significant improvements were made for - [State Life - June News Update](https://financial-brokerage.com/state-life-june-news-update/) - Web-based Illustration Software and PEC Rate Change Illustrations created and submitted on our web-based illustration software via Sales Connection (iPipeline) prior to July 1, 2016 can be adjusted to accommodate slight case design changes (different premium amount, rated cases, age changes, etc) and will continue to reflect the pre-July 1, PEC rates when you go - [Fidelity & Guaranty - Rates and Important Updates](https://financial-brokerage.com/fidelity-guaranty-rates-and-important-updates/) - Fidelity & Guaranty has issued the following bulletins: July Interest Rates Increased Living Benefit Rider Amount on Life Products When it Rains Liquid Assets, It Pours - [Legacy Marketing Group - July Interest Rates](https://financial-brokerage.com/legacy-marketing-group-july-interest-rates/) - Legacy Rate Announcement The latest rates are in for Legacy Exclusive Products. To be among the first to know, download the complete package of current Quick Reference sheets, showcasing rate information, product highlights, and state availability. Any changes are indicated in blue - [American Equity - Catch Up News](https://financial-brokerage.com/american-equity-catch-up-news/) - COMPLIANCE Compliance Zone American Equity would like to keep you informed and aware of important regulatory and compliance issues. CLICK HERE to view the most recent edition of Compliance Zone, the Compliance newsletter. FACT VS. FICTION The Truth About Liquidity Options With American Equity's line of fixed and fixed indexed annuities, clients have a number - [North American - New Rates and Important Information](https://financial-brokerage.com/north-american-new-rates-and-important-information/) - North American has issued the following bulletins: Guarantee Choice MYGA Rates Guarantee Choice II MYGA Rates - [Transamerica - Trendsetter Portfolio Updates and Re-price](https://financial-brokerage.com/transamerica-trendsetter-portfolio-updates-and-re-price/) - Portfolio Price Adjustments On June 25, 2016, the Trendsetter term product portfolio is being re-priced to align with Transamerica’s strategic focus and to improve competitive position within key customer markets. In particular, they’ve improved rates for clients age 45 and under and Standard and Preferred Tobacco users. Significant improvements were made for the Trendsetter Super - [Fidelity & Guaranty - July Annuity and Life Interest Rates](https://financial-brokerage.com/fidelity-guaranty-july-annuity-and-life-interest-rates/) - Fidelity & Guaranty has issued their July interest rates. Annuity Rates Life Rates - [The Eight Elements of Extended Care Riders - Element 7 – Payment method](https://financial-brokerage.com/the-eight-elements-of-extended-care-riders-element-7-payment-method/) - Presented by Brian Leising inding the right formula for each client Not all extended care riders on life insurance policies are created equally. Do you know the differences? Different combinations will appeal to different clients more than others. Here are eight of the major distinguishing features among insurance companies offering extended care riders. All include - [Simple](https://financial-brokerage.com/simple/) - Presented by Gary Peterson Let’s get back to making life insurance simple. You can now submit term insurance for $500,000 or less and potentially get Preferred Plus rates for your clients without any medicals. We have three carriers that will look at your clients' information and possibly issue policies in 5-7 days at the best - [Mutual of Omaha - Express Newsletter for June 22, 2016](https://financial-brokerage.com/mutual-of-omaha-express-newsletter-for-june-22-2016/) - LIFE Kansas Temporary Insurance Agreement Changes Due to a recent Kansas regulatory notification, there will be changes to the Temporary Insurance Agreement (TIA) forms. Help your client go from temporary to permanent Remind your clients about the term policies' conversion opportunities and help them get the most out of their policy. Illustrate How an - [American General - Rates, Webinars and Important Information](https://financial-brokerage.com/american-general-rates-webinars-and-important-information-3/) - American General has issued the following bulletins: * Annuity Rates are Changing * New State Replacement Forms * Annuity Webinar Calendar - [Fidelity & Guaranty - Reminder - MYGA Special Ending June 24, 2016](https://financial-brokerage.com/fidelity-guaranty-reminder-myga-special-ending-june-24-2016/) - Effective June 24, 2016, the special 3.15% interest rate on the FG Guarantee-Platinum 5 single premium fixed deferred traditional annuity will end. Please click below for more information. You can also visit MYGA Wiki. FIND OUT MORE - [AXA Equitable - Life Communications for June 17, 2016](https://financial-brokerage.com/axa-equitable-life-communications-for-june-17-2016/) - AXA Equitable has issued their latest newsletter. To view the Life Communications, click here. - [National Western - The Score Newsletter for June 13, 2016](https://financial-brokerage.com/national-western-the-score-newsletter-for-june-13-2016/) - Renewal Rate Change Click here to view the updated rates effective June 20, 2016. Indexing of Life Policy Funds As a reminder, Life New Business will not index policy funds unless all pending requirements have been received at least 3 business days prior to the upcoming index date. If pending requirements have not been satisfied, - [Bonus or No Bonus Annuity](https://financial-brokerage.com/bonus-or-no-bonus-annuity/) - Presented by David Corwin I think I’d take the latter - let me explain why. I’ve been in this ever changing Indexed annuity world for several years now and not unlike any other aspect of the insurance world, it is constantly changing. I’ve worked with hundreds of agents in my career. I work with some - [Not responsible for your parent's debts? Filial responsibility laws may disagree!](https://financial-brokerage.com/not-responsible-for-your-parents-debts-filial-responsibility-laws-may-disagree/) - Presented by Leonard Berthelsen Many times we have a notion that we know how something should turn out, only to find out that the complete opposite is true. Filial responsibility laws are in place in 30 states in our country today. What is the Filial responsibility law? It basically makes an adult child responsible for the - [American National - Signature GUL Webinars](https://financial-brokerage.com/american-national-signature-gul-webinars/) - American National is offering the following dates for their Signature GUL webinars. To view more details and to register, click here. - [North American - Important Updates](https://financial-brokerage.com/north-american-important-updates-8/) - IMPORTANT: Updated Allocation Forms Effective June 7, 2016 Using the right forms is vital to getting your business issued faster. Recent fixed index annuity product changes such as the new crediting method, have required us to update our allocation forms. Please make sure to use these updated allocation forms by product and state. To view - [Protective Life - Increased Underwriting Limits](https://financial-brokerage.com/protective-life-increased-underwriting-limits/) - Have you heard the good news yet? Protective Life announced increases to certain underwriting limits that could make it easier for you to place your larger cases. To view more details, click here. - [State Life - Asset-Care IV in the Marketplace](https://financial-brokerage.com/state-life-asset-care-iv-in-the-marketplace/) - Competitive positioning to boost your sales - [American General - No Permanency Requirement for Qualifying Illnesses](https://financial-brokerage.com/american-general-no-permanency-requirement-for-qualifying-illnesses/) - Accelerated Access Solution is available on IUL: Max Accumulator+ IUL: Value+ Protector GUL: Secure Lifetime GUL 3 Two important updates make our chronic illness rider – the Accelerated Access Solution – even more compelling for your IUL and GUL customers. * Removal of permanency requirement for qualifying conditions * Increased lifetime maximum benefit to - [North American - IALC Files Lawsuit](https://financial-brokerage.com/north-american-ialc-files-lawsuit/) - IALC Files Lawsuit Challenging Fiduciary Rule On Wednesday, June 8, 2016 the Indexed Annuity Leadership Council (IALC) filed a lawsuit challenging the Department of Labor’s (DOL) fiduciary rule. Click on the following link to view the IALC press release. North American Company for Life and Health Insurance is an IALC member. IALC's Position Behind the - [DI Made Easier](https://financial-brokerage.com/di-made-easier/) - Presented by Tim Dreher Are you like me when it comes to selling Income Protection? I love to get out there and meet new people and give them peace of mind by helping them to protect their greatest asset - their ability to earn a paycheck. But after the client says “yes”, I dread all - [Foresters - Reminder - Supplementary Riders](https://financial-brokerage.com/foresters-reminder-supplementary-riders/) - You've made the sale, don't delay your commissions! Correctly completing applications and accompanying forms means quick processing and fast pay when certificates are issued. In Pennsylvania, disclosure statement forms must be completed in-full and submitted to Foresters Financial for applications to be processed. Please be sure to fill out ALL applicable fields including the Supplemental - [North American - New Crediting Strategy](https://financial-brokerage.com/5274-2/) - NEW Threshold Participation Strategy (TPS) Training Required Available on NAC IncomeChoice 10 and NAC Performance Choice (8 Plus-, 8, 12 Plus-, 12-Year) fixed index annuities. (Not available in CA, HI, ID, IL, IN, NH, OH, PA, RI, SC, UT.) TRAINING IS REQUIRED - click the link below for details. NEW Index Accounts and - [Fidelity & Guaranty - MYGA Interest Rate Special is Back](https://financial-brokerage.com/fidelity-guaranty-myga-interest-rate-special-is-back/) - The MYGA 3.15%* Interest Rate Special is Back! The FG Guarantee-Platinum® Interest Rate Special Now Available Get more for your clients with 3.15%* for 5 years! Act now - this competitive interest rate will only be offered for a limited time with FG Guarantee-Platinum 5 single premium fixed deferred annuity. Please click below for the - [Mutual of Omaha - New SPIA with Premium Return](https://financial-brokerage.com/mutual-of-omaha-new-spia-with-premium-return/) - With United of Omaha’s new Income Annuity with Premium Return, you can help clients Enjoy It Now and Pass It On You now have something extra to offer clients who are interested in receiving guaranteed, reliable income. Income Annuity with Premium Return is a single premium immediate annuity that can help your clients who want - [Americo - Compliance Update](https://financial-brokerage.com/americo-compliance-update/) - Click here to read an Americo Compliance Update regarding: Robo-dialers. Advertising and promotional items in Georgia. Anti-money laundering renewal training. - [The Eight Elements of Extended Care Riders - Element 6 Payment Amount](https://financial-brokerage.com/the-eight-elements-of-extended-care-riders-element-6-payment-amount/) - Presented by Brian Leising Finding the right formula for each client Not all extended care riders on life insurance policies are created equally. Do you know the differences? Different combinations will appeal to different clients more than others. Here are eight of the major distinguishing features among insurance companies offering extended care riders. All include - [Transamerica - TransWeekly Newsletter for June 2, 2016](https://financial-brokerage.com/transamerica-transweekly-newsletter-for-june-2-2016/) - ________ Forms Trust Certification and Trustee Powers Form Update As of May 20, 2016, the Trust Certification and Trustee Powers forms have been consolidated into one new form and will replace all previous versions on all the essential websites. The new form number is TRSTFM 1014. There will be a 30-day transition period. The previous - [American National - The Independent Voice for June 1, 2016](https://financial-brokerage.com/american-national-the-independent-voice-for-june-1-2016/) - American National has issued their latest newsletter including new rates. To view the Independent Voice, click here. - [American General - Commission Rate Change and](https://financial-brokerage.com/american-general-commission-rate-change-and/) - American General has issued the following bulletins: Commission Rate Change Term Conversion Addition Annuity Lockbox Addresses Changed New Guide for Annuity Contracts - [State Life - Noteworthy News](https://financial-brokerage.com/state-life-noteworthy-news-4/) - Asset-Care Base Premium Rates Changing July 1, 2016 As an industry leader, OneAmerica is committed to maintaining a rational and sustainable approach in managing the Care Solutions product line for the long term. It is imperative that we make responsible decisions to ensure our products remain priced appropriately to continue to meet the needs of the consumer - [National Western - The Score Newsletter for May 23, 2016](https://financial-brokerage.com/national-western-the-score-newsletter-for-may-23-2016/) - Electronic Interest Election Notices In continued commitment to making processes more primrose agent-friendly, NWL is pleased to announce that the Interest Election Notices are now also available electronically on MyNWL. To access the notices, log on to MyNWL. Go to the Policy Lookup tab on the left side of the home page, then click interest Electronic Notices. Updated - [Americo - Important Agent Notices](https://financial-brokerage.com/americo-important-agent-notices-2/) - Americo has issued the following bulletins. Important Agent Notices - [Take the Financial Brokerage Life Insurance Sales Challenge!](https://financial-brokerage.com/take-the-financial-brokerage-life-insurance-sales-challenge/) - What do I do? Indicate your interest by posting your response (“yes” or “count me in” or “I’ll do it”) in the monthly challenge blogTalk to 10 clients or potential clients about the tax advantages of permanent life insurance policiesPost your conversation results, questions and success stories hereSubmit index universal and whole life insurance applications What - [American General - AG News for May 26, 2016](https://financial-brokerage.com/american-general-ag-news-for-may-26-2016/) - New Business: Reminder about NAIC illustration requirements, and AIG commission payments for insurance that requires them. For full details review New Business Bulletin 16-040. Annuities: Annuity lockbox addresses have changed. Please use the new addresses available in Bulletin 16-008. And checkout the new reference guide for Annuity Service Center phone and fax numbers in Bulletin - [Legacy Marketing - New 4% Solution for Retirement Income](https://financial-brokerage.com/legacy-marketing-new-4-solution-for-retirement-income/) - Legacy Marketing Group announces the launch of Customized Income Solutions, a comprehensive sales package that helps insurance professionals craft a customized retirement income plan for their clients. At the heart of Customized Income Solutions is an interactive calculator that creates hypothetical withdrawal scenarios uniquely tailored for an individual’s retirement goals, providing clients the peace of - [Americo - New HMS Plus eApplication](https://financial-brokerage.com/americo-new-hms-plus-eapplication/) - HMS Plus eApp helps you place more business, so you get paid faster. For more information go to AmericoHMSPlus.com. - [Illinois Mutual - Recent Security Enhancements and DIAM Bonus Opportunity](https://financial-brokerage.com/illinois-mutual-recent-security-enhancements-and-diam-bonus-opportunity/) - Illinois Mutual recently updated security for their online tools to help make sure your sensitive data is more secure. As a result of this enhancement, less personal information will be needed to register, and you will no longer need to use your email as your user name when you log in. In fact, you can select a - [Fidelity & Guaranty - June Interest Rates and Rate Special](https://financial-brokerage.com/fidelity-guaranty-june-interest-rates-and-rate-special/) - Fidelity & Guaranty has issued the following bulletins: Life Interest Rates Annuity Interest Rates Interest Rate Special - [Transamerica - Final Expense Product Updates](https://financial-brokerage.com/transamerica-final-expense-product-updates/) - Final Expense Product Approvals in WA, IL & HI Transamerica updated the Immediate Solution and 10 Pay Solution Final Expense life insurance policies for the states of Hawaii, Illinois and Washington as follows: Hawaii Updated Final Expense application kits will be available on all essential websites on May 20, 2016. There will be a 40-day transition - [North American - Rates](https://financial-brokerage.com/north-american-rates/) - Effective June 2, 2016 North American Guarantee Choice II Multi-Year Guarantee Annuity Rates are decreasing. Surrender Charge Period1 New High Band Rate Old High Band Rate New Low Band Rate Old Low Band Rate 3-Year 1.75% No Change 1.45% No Change 4-Year 1.95% No Change 1.70% No Change 5-Year 2.70% 2.80% 2.45% 2.55% 6-Year 2.45% - [Equitrust - New State Approvals](https://financial-brokerage.com/equitrust-new-state-approvals/) - EquiTrust has issued the following bulletins: * Shorter Duration, Bonus Index Annuities in 49 States - [American General - In Case You Missed It](https://financial-brokerage.com/american-general-in-case-you-missed-it/) - Administrative AML training is now required annually 16-003 New QLAC election form is required for all American Pathway Deferred Income Annuities by June 1, 2016 ALL traditional fixed annuity products require a cover sheet with each application to ensure proper processing (available via Forms Depot) Lockbox addresses have been updated 16-008 The Annuity Service Center - [Keeping up to date](https://financial-brokerage.com/keeping-up-to-date/) - Presented by Jim Linn Whether you are new to the industry or a veteran, there are areas regarding your licensing and contracting that need to be monitored. 1. Most insurance licenses are valid for 2-3 years depending on the state. If you cannot locate your printed copy, you can go to your state's insurance department - [National Western - Rates and New State Approvals](https://financial-brokerage.com/national-western-rates-and-new-state-approvals/) - National Western has issued their latest interest rates and Lifetime Returns approvals. To view the bulletin, click here. - [Fidelity & Guaranty - Updated Income Calculator](https://financial-brokerage.com/5209-2/) - Updated EGMWB Income Calculator - Now on SalesLink for Safe Income Plus! Don't Make Your Clients Wait a Full Year to See Their Income Potential At FGL, the roll-up rate for the income base is credited daily when your clients choose the Enhanced Guaranteed Minimum Withdrawal Benefit (EGMWB) rider with the Safe Income Plus Fixed - [Legacy Marketing - Rate Changes](https://financial-brokerage.com/legacy-marketing-rate-changes/) - Legacy Marketing has issued new interest rates effective May 29, 2016. To view the new rates, click here. - [American Equity - Important Information](https://financial-brokerage.com/american-equity-important-information-3/) - American Equity has issued the following bulletins: A.M. Best Affirms Financial Strength Compliance Announcement for California Agents - [LifeSecure - Temporarily Suspending Individual LTCi in California](https://financial-brokerage.com/lifesecure-temporarily-suspending-individual-ltci-in-california/) - Effective June 1, 2016, LifeSecure will temporarily suspend sales of its Long Term Care Insurance product in California for the individual LTCi market. Earlier this year, LifeSecure filed refreshed LTCi policy forms and applications in California with updated pricing that includes gender-based rates for the individual market, as well as new unisex rates for the - [National Western - The Score Newsletter for May 9, 2016](https://financial-brokerage.com/national-western-the-score-newsletter-for-may-9-2016/) - Roll Out: Revised Lifetime Returns Select 5 & 10 Pay and Lifetime Returns Solutions NWL recently announced revisions to NWL's Lifetime Returns Select Single Pay Option which is now available in a growing list of states. Now, the LTRS 5 & 10 Pay Options along with Lifetime Returns Solutions have also officially launched in select states! - [Financial Brokerage - DOL Fiduciary Ruling](https://financial-brokerage.com/financial-brokerage-dol-fiduciary-ruling/) - On April 6th, the DOL released its new and final ruling (1,023 pages) explaining the definition of a fiduciary and the new regulations impacting financial service professionals, including those marketing fixed indexed annuities. This new rule will have a “phased” implementation approach starting in April, 2017. The new rule will require providers to act in - [Protective Life - Initial Premium Acceptance Rules](https://financial-brokerage.com/protective-life-initial-premium-acceptance-rules/) - With new life insurance applications, Protective encourages premiums to be submitted with the application. In order to simplify your experience, they have developed these guidelines regarding the acceptable forms of money during the New Business process. To view more details, click here. - [American General - New Annuity Rates](https://financial-brokerage.com/american-general-new-annuity-rates/) - Annuity rates are changing Click to view new rates - [Savings Bank Life - New Accelerated Underwriting Process and Rates](https://financial-brokerage.com/savings-bank-life-new-accelerated-underwriting-process-and-rates/) - Effective Monday May 23, 2016 SBLI will be introducing a new accelerated underwriting process, leading the way in progressive underwriting and providing the ideal combination of convenience and value to make life easier for BGAs, brokers, and consumers. SBLI's New Accelerated Underwriting Process All level term cases with a face amount of $500,000 or less, - [Silver Bullet](https://financial-brokerage.com/silver-bullet/) - Presented by Gary Peterson Are you looking for a “Silver Bullet”? Is there a magic formula to finding prospects? The simple answer is No. However, we can prepare and be successful. It requires persistence and perseverance as we work every day in our market place. It requires the knowledge that we gain, not only - [Legacy Marketing Group - Big News - Big Opportunity](https://financial-brokerage.com/legacy-marketing-group-big-news-big-opportunity/) - Are your clients and prospects having a hard time planning for retirement now that the 4% Rule is becoming the 2.8% Rule? Legacy wants to introduce you to a "New 4% Solution for Retirement Income." It helps your clients find a new way to achieve 4% retirement income with flexibility, the ability to consider inflation protection, - [American General - Important Information and Upcoming Webinars](https://financial-brokerage.com/american-general-important-information-and-upcoming-webinars/) - American General has issued the following bulletins: Navigate the Tricky IUL Market New IUL Training Webinars AIG Webinar Training Event Pages Operations ePay Consumer Guide New Authentication Tool Conversion Product Rules Enhanced - [Fidelity & Guaranty - Important Updates](https://financial-brokerage.com/fidelity-guaranty-important-updates-4/) - Fidelity & Guaranty has issued the following bulletins: Updated Marketing Materials and Pre-Issue Requirements for Prosperity Elite Safe Income Plus Webinar - [State Life - Interest Rate Notice](https://financial-brokerage.com/state-life-interest-rate-notice-6/) - In response to the current interest rate environment, new business interest rates for Annuity Care II/III will be decreasing effective Sunday, May 15, 2016. To view the news rates, click here. - [American General - In the Know for May 2016](https://financial-brokerage.com/american-general-in-the-know-for-may-2016/) - In the Know Newsletter for May 2016 New cash accumulation IUL Max Accumulator+ will help insureds accumulate and access tax-deferred funds. Use the new "Life To The Max" interactive sales tool to demonstrate the products’ full value as tailored to your clients' specific needs. View the joint IUL launch Product Bulletin 16-041 for details. New - [Are Commission Eliminations a Trend for Us to be Concerned With?](https://financial-brokerage.com/are-commission-eliminations-a-trend-for-us-to-be-concerned-with/) - Presented by Leonard Berthelsen There has been a lot of talk and many articles in our trade publications about carriers suspending commission payments for open enrollment in the Affordable Care Act (Obamacare). Is this a trend that the industry needs to pay attention to, or is it affecting just this specific kind of insurance? Interesting - [American General - Rates and Important Information](https://financial-brokerage.com/american-general-rates-and-important-information-11/) - American General has issued the following bulletins: Annuity Rates are Changing Embrace IUL Sales Opportunities with New Products and Tools Upcoming Webinars - [Legacy - Rates and Important Information](https://financial-brokerage.com/legacy-rates-and-important-information/) - Legacy has issued the following bulletins: May 2016 Rate Updates Policy Info Enhancements Help You Better Serve Clients - [American National - Important Information](https://financial-brokerage.com/american-national-important-information-2/) - American National has issued the following bulletins: Signature GUL Webinar Submit Delivery Reciepts through ExpertScan California ABR Issue Age Clarification - [Protective - Increases to Underwriting Limits](https://financial-brokerage.com/protective-increases-to-underwriting-limits/) - Effective May 2, 2016, Protective Life is proud to introduce positive changes to certain underwriting limits which could help you more easily place your larger cases. To view more details, click here. - [State Life - Important News](https://financial-brokerage.com/state-life-important-news-2/) - State Life has issued the following bulletins: Addressing 60 Minutes Questions Grand Cayman Leaders Conference, Producer Rules - [Mutual of Omaha - Express for May 4, 2016](https://financial-brokerage.com/mutual-of-omaha-express-for-may-4-2016/) - Mutual of Omaha Express for May 4, 2016. - [Voya - Rates and Important Information](https://financial-brokerage.com/5131-2/) - To take a look at current interest rates offered on Voya Fixed Indexed Annuities please click here. Updated Suitability Process Effective April 1, 2016, Voya implemented an updated suitability form for all fixed products including the SPIA product. Suitability review for SPIAs will now more closely align with the current review process for fixed products, and - [American National - The Independent Voice for May 2016](https://financial-brokerage.com/american-national-the-independent-voice-for-may-2016/) - American National has issued their latest newsletter including May interest rates. To view The Independent Voice, click here. - [Foresters - Important Updates](https://financial-brokerage.com/foresters-important-updates/) - Foresters has issued the following important updates. Plan Right Rate Changes - Visit ezbiz to access changes Resolved - Apptical POS decision issued resolved New Certificate Details Application New foresters.com Launching Soon - [The Eight Elements of Extended Care Riders - Finding the right formula for each client](https://financial-brokerage.com/the-eight-elements-of-extended-care-riders-finding-the-right-formula-for-each-client/) - Presented by Brian Leising Finding the right formula for each client Not all extended care riders on life insurance policies are created equally. Do you know the differences? Different combinations will appeal to different clients more than others. Here are eight of the major distinguishing features among insurance companies offering extended care riders. All include - [Take the Financial Brokerage Life Insurance Sales Challenge!](https://financial-brokerage.com/5109-2/) - What do I do? Indicate your interest by posting your response (“yes” or “count me in” or “I’ll do it”) in the monthly challenge blogTalk to 10 clients or potential clients about index life insurance policies shielding retirement money from stock market lossesPost your conversation results, questions and success stories hereSubmit index life applications What do - [Transamerica - Important Bulletins](https://financial-brokerage.com/transamerica-important-bulletins-3/) - Transamerica has issued the following bulletins: Adjustments to Caps and Maximum Illustrated Rates Military Sales Practice Disclosure Form Update - [Lincoln Financial - Fixed Annuity Rate Update](https://financial-brokerage.com/lincoln-financial-fixed-annuity-rate-update-2/) - Lincoln Financial has issued the May interest rates. To view the rates, click here. - [American General - Discontinuation of American Pathway Flex Fixed 8](https://financial-brokerage.com/american-general-discontinuation-of-american-pathway-flex-fixed-8/) - American Pathway Flex Fixed 8 Annuity Sales to be Discontinued In an effort to streamline the fixed Annuity menu, effective May 1, 2016, American General will no longer offer new sales of the American Pathway Flex Fixed 8 Annuity. Check out these bulletins to learn more about specific transition rules. - [Have you considered a High-Deductible Medicare Supplement Plan F?](https://financial-brokerage.com/have-you-considered-a-high-deductible-medicare-supplement-plan-f/) - Presented by Tim Dreher Do your healthy senior clients ever express to you their frustration about paying high monthly premiums for their Medicare Supplement policies and then rarely using them? Are they tired of getting “the letter” every year from their insurance company announcing yet another round of rate increases? There is an alternative that - [Short Term Care Might Just Be The Answer You Are Looking For](https://financial-brokerage.com/short-term-care-might-just-be-the-answer-you-are-looking-for/) - Presented by Michelle Daharsh Short Term Care . . . why you and your clients should consider it. If you understand the need for Long Term Care insurance but find the premiums are too expensive, your client can’t make it through underwriting or they are over the age of 79, then a conversation about Short - [American General - Important Information](https://financial-brokerage.com/american-general-important-information/) - Updated Qualified Longevity Annuity Contract (QLAC) Election Form required for new business Based on your feedback, we have enhanced the American Pathway® Deferred Income Annuity QLAC election form to help clients more easily determine their eligibility. The updated form should be used for new business as of April 25, 2016 and will be a good-order - [American General - Important Updates](https://financial-brokerage.com/american-general-important-updates/) - American General has issued the following bulletins: Changes to Wire and Lockbox Locations An Improved Underwriting Experience Awaits You - [American General - Rates and AG News](https://financial-brokerage.com/american-general-rates-and-ag-news-5/) - American General has issued the following bulletins: Annuity Rates are Changing Today AG News for April 14, 2016 - [Level Term Rates with Up-To Lifetime Coverage](https://financial-brokerage.com/level-term-rates-with-up-to-lifetime-coverage/) - Presented by Jim Linn We receive several calls a day requesting quotes on clients that are 60+ years old. Typically the agent is requesting the maximum term length for the least amount of premium. In working with someone 60+ years of age, at best, the longest time frame of term insurance available is 20 years, - [Are Your Clients Prepared For Long Term Care?](https://financial-brokerage.com/are-your-clients-prepared-for-long-term-care/) - Presented by Leonard Berthelsen It has been reported in many articles and news features that Americans are just not prepared for the issue of long term care in the later cycle of their life. Are you? Are your clients? By most accounts most of us fall into the unprepared category. Baby boomers have heard for - [National Western - Updated WBR Revisions](https://financial-brokerage.com/national-western-updated-wbr-revisions/) - Due to recent regulatory requirements affecting withdrawal benefit riders, NWL has revised the current rider charges and roll-up rates of these benefits. To view more details, click here. - [American National - Cash Bonus for Life Ends April 30, 2016](https://financial-brokerage.com/american-national-cash-bonus-for-life-ends-april-30-2016/) - Earn extra CASH for your 2016 life sales with up to $3,000 in bonuses! PLUS double conference credits! To view more details, click here. - [Mutual of Omaha - Express Newsletter for April 13, 2016](https://financial-brokerage.com/mutual-of-omaha-express-newsletter-for-april-13-2016/) - Mutual of Omaha has issued their latest newsletter. To view the Express, click here. - [North American - New State Approvals](https://financial-brokerage.com/north-american-new-state-approvals-2/) - North American has issued the following bulletins: Income Pay Plus Available in Florida North American Charter Plus in New Hampshire - [Foresters - PlanRight Rates will Change April 25, 2016](https://financial-brokerage.com/foresters-planright-rates-will-change-april-25-2016/) - It is important for Foresters to review products and make adjustments as required to keep their products current and sustainable. On April 25, 2016 they are changing PlanRight rates for the first time since August 2012 (almost 4 years). To view more details, click here. - [State Life - Interest Rate Notice](https://financial-brokerage.com/state-life-interest-rate-notice-5/) - State Life has issued new interest rates. To view the rates, click here. - [Loans Too Heavy?](https://financial-brokerage.com/loans-too-heavy/) - Presented by Gary Peterson As agents, you likely have clients that have used various living benefits of their life insurance over the years. Some have amassed loans that may be too heavy to repay and have high interest rates. Financial Brokerage works with a carrier that will examine the policy, and if it qualifies, they - [Transamerica - Important Bulletins](https://financial-brokerage.com/transamerica-important-bulletins-2/) - Transamerica has issued the following bulletins: TransNavigator Cap and Floor Flyer Trial Application Guidelines Underwriting Chart Non-Resident Underwriting Guidelines Agency Managers’ Bulletin 3966 TransCare II Important Updates - [Assurity - Kentucky Compliance Information](https://financial-brokerage.com/assurity-kentucky-compliance-information/) - The Commonwealth of Kentucky Department of Insurance ("Department") issued an Advisory Opinion regarding Alternative Compensation. The purpose of this Advisory Opinion is to provide interpretation of Alternative Compensation under KRS 304.11-042 and to clarify inquiries received by the Department. Please click here to view the file. - [American General - In the Know Newsletter](https://financial-brokerage.com/american-general-in-the-know-newsletter-2/) - American General has issued their latest life newsletter. To view the In the Know, click here. - [Foresters - New Product and New Application Process](https://financial-brokerage.com/foresters-new-product-and-new-application-process/) - Foresters has issued the following bulletins: New Product Coming Soon Application Amendment Process - [North American - New State Approvals](https://financial-brokerage.com/north-american-new-state-approvals/) - * New FIA and Rider Available in MN, OR, WA * New FIA and Rider Available in MO, UT, VA - [Mutual of Omaha - Express Newsletter and New State Approval](https://financial-brokerage.com/mutual-of-omaha-express-newsletter-and-new-state-approval/) - Mutual of Omaha has issued the following bulletins: Express Newsletter Including April Rates New ABR Rider Available in California - [American General - Rates, News and Upcoming Webinars](https://financial-brokerage.com/american-general-rates-news-and-upcoming-webinars/) - American General has issued the following bulletins: Annuity Rates are Changing AG News for March 31, 2016 Notice of Discontinuation of American Pathway Flex Fixed 8 - [American Equity - LIBR Updates](https://financial-brokerage.com/american-equity-libr-updates/) - American Equity has issued the following bulletins: Updated LIBR Disclosures in California and Delaware Indexing Income Option Available on LIBR for CT, HI, ID, IL, MN, MO, and WA Important LIBR Training Information - [EquiTrust - Revised Form and Updates](https://financial-brokerage.com/equitrust-revised-form-and-updates/) - EquiTrust has issued the following bulletins: Revised Trust Certification Form DynaMARC Index Annuity and the Advantage of Participation - [North American - Important Updates](https://financial-brokerage.com/north-american-important-updates-7/) - North American has issued the following bulletins: e-App Now Available New Income Pay Plus Rider in Florida New North American Charter Plus in New Hampshire - [Banner/William Penn - The Basics Procedures Manual Updated](https://financial-brokerage.com/bannerwilliam-penn-the-basics-procedures-manual-updated/) - Banner/William Penn found ways to improve The Basics. This manual provides an overview of procedures for the defined business areas at the Legal & General America companies; Banner Life Insurance Company and William Penn Life Insurance Company of New York. To view more details, click here. - [Foresters - Increase Your Odds of Winning](https://financial-brokerage.com/foresters-increase-your-odds-of-winning/) - Foresters has more contest updates. To view more details, click here. - [American Equity - MYGA Rate Change Effective April 13, 2016](https://financial-brokerage.com/american-equity-myga-rate-change-effective-april-13-2016/) - American Equity’s Guarantee Series rates will change on April 13, 2016. To receive the current rates, original applications along with cash or 1035/Direct Transfer paperwork must be received in the American Equity office by 4:45PM CT on Tuesday, April 12, 2016. Transfer funds must be received in their office by 4:45PM CT on Tuesday, May 10, 2016. - [American National - The Independent Voice and Rates for April 4, 2016](https://financial-brokerage.com/american-national-the-independent-voice-and-rates-for-april-4-2016/) - American National has issued their latest newsletter. To view the Independent Voice, click here. - [The Eight Elements of Extended Care Riders - Element 4 – Tax Code and Benefit Qualification](https://financial-brokerage.com/the-eight-elements-of-extended-care-riders-element-4-tax-code-and-benefit-qualification/) - Presented by Brian Leising The Eight Elements of Extended Care Riders Finding the right formula for each client Not all extended care riders on life insurance policies are created equally. Do you know the differences? Different combinations will appeal to different clients more than others. Here are eight of the major distinguishing features among insurance - [North American - Important Information and Updates](https://financial-brokerage.com/north-american-important-information-and-updates/) - North American has issued the following bulletins: North American Update e-App Now Available - Plus Earn $500 - [MetLife - Important Bulletins](https://financial-brokerage.com/metlife-important-bulletins/) - MetLife has issued the following bulletins: Enhanced Rate Plus This underwriting program simplifies and streamlines the traditional process for qualifying clients; including eliminating the need for blood and urine samples - in order to deliver a policy in less than a week. Life and DI policy owners in the state of Texas will receive an - [Protective Life - Important Information](https://financial-brokerage.com/protective-life-important-information/) - Protective Life has issued the following bulletins: Compliance Requirements for Life Insurance and Annuity Advertising Kentucky Advisory Opinion - [Lincoln Financial Group - Rates and Important Information](https://financial-brokerage.com/lincoln-financial-group-rates-and-important-information-5/) - Lincoln Financial has issued the following bulletins: Lincoln Fixed Annuity Rates Income Annuity Rates Rate Lock Procedure Competitive Services Webinar Lincoln Leader for Life - [Prudential - Cap and Illustration Changes](https://financial-brokerage.com/prudential-cap-and-illustration-changes/) - As of April 1, 2016, the cap rate and fixed rate for the Founders Plus and the Fixed rate for the IAUL will change. As a result, the max crediting rate that can be illustrated will be going down. To view more details, click here. - [Mutual of Omaha - Express Newsletter and April Rates](https://financial-brokerage.com/mutual-of-omaha-express-newsletter-and-april-rates/) - Mutual of Omaha has issued their latest newsletter. To view the Express, click here. - [Fidelity & Guaranty - April Webinars and Important Information](https://financial-brokerage.com/fidelity-guaranty-april-webinars-and-important-information/) - Fidelity & Guaranty has issued the following bulletins: April Webinars Sales of Trust Owned Annuities - [American National - Rates and Important Information](https://financial-brokerage.com/american-national-rates-and-important-information/) - American National has issued the following bulletins: April Interest Rates New Suitability Training System Discover Your ExpertIllustrator - [American Equity - Reminder - Rate Adjustment Effective April 5, 2016](https://financial-brokerage.com/american-equity-reminder-rate-adjustment-effective-april-5-2016/) - American Equity has issued a reminder about the upcoming rate adjustment. To view more details, click here. - [Banner/William Penn - Low Rates Infosnack](https://financial-brokerage.com/bannerwilliam-penn-low-rates-infosnack/) - Always low rates, OPTerm has more options. To view more details, click here. - [National Western - The Score Newsletter for March 21, 2016](https://financial-brokerage.com/national-western-the-score-newsletter-for-march-21-2016/) - National Western has issued their latest newsletter. To view the Score Newsletter, click here. - [Helping a Business Owner Keep The Business Running](https://financial-brokerage.com/helping-a-business-owner-keep-the-business-running/) - Presented by Michelle Daharsh When small business owners become disabled, there’s a lot more at stake than just their personal obligations to their family. Ongoing business expenses such as rent, utilities, employee salaries and property taxes all need to be met, regardless if the business owner is there or not. Your clients may already have - [American General - Rates and Important Information](https://financial-brokerage.com/american-general-rates-and-important-information-10/) - American General has issued the following bulletins: Income Annuity Rates Will Decrease on Monday, March 28, 2016 Term Conversion Product Rules Enhanced - [AXA Equitable - New Aegis Internal Rate of Return Report](https://financial-brokerage.com/axa-equitable-new-aegis-internal-rate-of-return-report/) - Click here to view the bulletin - [Foresters - Foresters Name Change](https://financial-brokerage.com/foresters-foresters-name-change/) - On September 21, 2015, Foresters announced plans for the Foresters family of companies to be known collectively by one name - Foresters Financial. Effective, March 21, 2016, Foresters will officially begin business operations under Foresters Financial. To view more details, click here. - [Protective Life - HIPAA Authorization Requirements](https://financial-brokerage.com/protective-life-hipaa-authorization-requirements/) - Protective Life Insurance Company is dedicated to providing quality service, building trust and simplifying everything for you and your mutual customers. As part of that effort, Protective wants to ensure you stay informed and compliant regarding regulations within our industry. Please review the following reminder about federal regulations that may affect the processing of your submitted business - [More Final Expense Commercials](https://financial-brokerage.com/more-final-expense-commercials/) - Presented by Jim Linn Have you noticed more and more commercials about Final Expense insurance? In the last 2 months, I have seen more commercials about Final Expense insurance than the last 2-3 years combined. The reasoning is that currently 10,000 people are turning 65 each day and carriers are focusing on their life-changing event. - [Why You Need to Sell DI Regardless of Your Specialty](https://financial-brokerage.com/why-you-need-to-sell-di-regardless-of-your-specialty/) - Presented by Tim Dreher Many agents and advisors that I talk to just like you are not what I would consider “generalists” but have specialized in one type of insurance product or service. Regardless of your focus, Income Replacement insurance is a product that you should also be talking to all of your clients about - [Assurity - Leaders Conference 2017](https://financial-brokerage.com/assurity-leaders-conference-2017/) - Assurity has issued information on their Leaders Conference in Ireland. To view more details, click here. - [Lincoln Financial Group - Important Rate Updates](https://financial-brokerage.com/lincoln-financial-group-important-rate-updates/) - Lincoln Financial has issued the following bulletins: Important Rate Updates for Lincoln Term The Lincoln Leader - [Prudential - Life Essentials Newsletter for March 14, 2016](https://financial-brokerage.com/prudential-life-essentials-newsletter-for-march-14-2016/) - Prudential has issued their latest newsletter. To view the Life Essentials, click here. - [National Western - The Score Newsletter for March 7, 2016](https://financial-brokerage.com/national-western-the-score-newsletter-for-march-7-2016/) - National Western has issued their latest newsletter. To view the Score, click here. - [Voya - Rate Update](https://financial-brokerage.com/voya-rate-update-3/) - Voya has issued their latest rate update. To view the new rates, click here. - [Athene - News Updates](https://financial-brokerage.com/athene-news-updates/) - Athene has issued their latest newsletter. To view the issue, click here. - [Banner - Connecticut Disallows Voice Signature](https://financial-brokerage.com/banner-connecticut-disallows-voice-signature/) - The State of Connecticut Insurance Department, in Bulletin S-16, clarified its requirements for "telephonic applications". The ruling affects applications from Connecticut residents. According to Bulletin S-16: The completed application must be delivered for review and signature prior to the delivery of the contract. Delivery may be electronic and electronic signatures are acceptable. Voice response signatures - [Fidelity & Guaranty - MYGA Special Extended](https://financial-brokerage.com/fidelity-guaranty-myga-special-extended/) - The special 3.15% FG Guarantee-Platinum 5 single premium fixed deferred traditional annuity interest rate will be extended until March 18, 2016. To view more details,click here. - [Athene - News and Updates for March 2016](https://financial-brokerage.com/athene-news-and-updates-for-march-2016/) - Athene has issued their latest newsletter. To view the News and Updates, click here. - [American National - Important Bulletins](https://financial-brokerage.com/american-national-important-bulletins-2/) - American National has issued the following bulletins: Cash Bonus for Life Deduction Ideas for Business Owners Webinars - [American General - Rates and Important Information](https://financial-brokerage.com/american-general-rates-and-important-information-9/) - American General has issued the following bulletins: Income Annuity Rates will Increase on Monday, March 14, 2016 Annuity Rates are Changing Effective Monday, March 14, 2016 You're Cordially Invited to Attend the Online Annuity Events AG News for March 10, 2016 - [AXA Equitable - Life Communications for March 9, 2016](https://financial-brokerage.com/axa-equitable-life-communications-for-march-9-2016/) - AXA Equitable has issued their latest newsletter. To view the Life Communications, click here. - [John Hancock - LTC News for March 7, 2016](https://financial-brokerage.com/john-hancock-ltc-news-for-march-7-2016/) - John Hancock has issued their latest newsletter. To view the LTC News, click here. - [Fidelity & Guaranty - Safe Income Plus Update](https://financial-brokerage.com/fidelity-guaranty-safe-income-plus-update/) - Safe Income Plus Provides Guaranteed Income Stream that cannot be outlived. To view more details,click here. - [Banner/William Penn - New Product OPTerm 25](https://financial-brokerage.com/bannerwilliam-penn-new-product-opterm-25/) - You have expertise in recommending insurance solutions for your clients. Banner/William Penn has the expertise in the level-term life insurance marketplace and they're excited to announce a new addition to their term portfolio. With more and better digital platforms than any other competitor, top-tier financial strength ratings and finely honed processes, Legal & General America is more competitive than - [Mutual of Omaha - Express for March 9, 2016](https://financial-brokerage.com/mutual-of-omaha-express-for-march-9-2016/) - Mutual of Omaha has issued their latest newsletter. To view the Express, click here. - [EquiTrust - New Illinois Approvals](https://financial-brokerage.com/equitrust-new-illinois-approvals/) - Additional Index Accounts Approved by Illinois for MarketPower Bonus Index and MarketValue Index! To view more details,click here. - [AXA Equitable - Life Communications for March 8, 2016](https://financial-brokerage.com/axa-equitable-life-communications-for-march-8-2016/) - Have you visited AXA for Life, a new online portal to help life insurance professionals become even more successful? With no login required, you can easily access educational articles, powerful sales strategies and much more. New eNotice: Additional Limitations on "Valuation Discounts" Still Anticipated How to submit your business planning case to AXA underwriting. See - [State Life - Care Solutions Rates and Upcoming Webinars](https://financial-brokerage.com/state-life-care-solutions-rates-and-upcoming-webinars/) - State Life has issued the following bulletins: Care Solutions Interest Rate Notice Care Solutions Webinar Series - [New Benefits](https://financial-brokerage.com/new-benefits/) - Per Gary Peterson A new form of life insurance has hit the market. Not only can the family benefit through a Death Benefit, but the insured can now receive benefits through Living Benefits, Income Riders and Return of Premium (ROP). Several carriers offer one or all of these benefits for you to give your clients - [We Have So Many Responsibilities As Advisers](https://financial-brokerage.com/we-have-so-many-responsibilities-as-advisers/) - By Deb Strong Tax season is upon us again and as financial planners, it’s our job to work with clients on IRAs, RMDs, QLACs and any other financial aspect that can be listed as an acronym! Seriously, we do have an obligation to be fully aware of the strategies that can help our clients in - [Fidelity & Guaranty - Social Security's Real Retirement Age is 70](https://financial-brokerage.com/fidelity-guaranty-social-securitys-real-retirement-age-is-70/) - When do you plan to retire? Even though most people typically think about retiring at age 65, this video series explores how the "new" retirement age may be closer to age 70. Learn more from a new FGL educational series with Alicia Munnell, Director for the Center for Retirement Research at Boston College. To view more - [American General - Rates and Important Bulletins](https://financial-brokerage.com/american-general-rates-and-important-bulletins/) - American General has issued the following bulletins: Revised Lockbox and Wire Instructions Annuity Rates are Changing Effective March 7, 2016 In the Know Newsletter - [Transamerica - News Bulletins](https://financial-brokerage.com/transamerica-news-bulletins/) - Transamerica has issued the following bulletins: Social Media Marketing Forms Update TransWeekly for March 2, 2016 - [North American - News Updates](https://financial-brokerage.com/north-american-news-updates/) - North American has issued the following bulletins: News Updates for Februray 29, 2016 NAC IncomeChoice - No Rider Charge TSA/403(b) Premium Letter Update FIA Rates Decrease Effective March 4, 2016 - [Mutual of Omaha - Express Newsletter and the New IUL is Here](https://financial-brokerage.com/mutual-of-omaha-express-newsletter-and-the-new-iul-is-here/) - Mutual of Omaha has issued the following bulletins: Express Newsletter for March 2, 2016 The New IUL is Here - [MetLife - MetLife and MassMutual Agreement](https://financial-brokerage.com/metlife-metlife-and-massmutual-agreement/) - MetLife has issued an announcement about their agreement with MassMutual. To view the announcement, click here. - [Fidelity & Guaranty - Important Information](https://financial-brokerage.com/fidelity-guaranty-important-information/) - Fidelity & Guaranty has issued the following bulletins: 3.15% Ending Soon on FG Guarantee-Platinum 5 Special Notice for Kansas Agents and Marketing Organizations - [American National - The Independent Voice and Rates for March 2016](https://financial-brokerage.com/american-national-the-independent-voice-and-rates-for-march-2016/) - American National has issued their latest newsletter with March interest rates. To view the Independent Voice, click here. - [National Western - The Score Newsletter for February 29, 2016](https://financial-brokerage.com/national-western-the-score-newsletter-for-february-29-2016/) - National Western has issued their latest newsletter. To view the Score, click here. - [State Life - Important News](https://financial-brokerage.com/state-life-important-news/) - State Life has issued the following bulletins: New APS Vendor New Jesey Now Uses Standard Consumer Suitability and Due Diligence Questionnaire Help Clients Afford a Long Life - [Voya - News You Can Use for February 26, 2016](https://financial-brokerage.com/voya-news-you-can-use-for-february-26-2016/) - Voya has issued their latest newsletter. To view the News You Can Use, click here. - [Prudential - Life Essentials Newsletter for February 29, 2016](https://financial-brokerage.com/prudential-life-essentials-newsletter-for-february-29-2016/) - Prudential has issued their latest newsletter. To view the Life Essentials, click here. - [Fidelity & Guaranty - March Interest Rates](https://financial-brokerage.com/fidelity-guaranty-march-interest-rates/) - Fidelity & Guaranty Life Insurance Company is dedicated to providing you with the most recent rate information in a timely manner. Simply click on the buttons below to download the March 2016 rate sheets. Here are your March 2016 interest rate sheets: Annuity Interest Rate Sheets FG Retirement Pro Rate Sheet Annuity State Availability - [North American - New Rates](https://financial-brokerage.com/north-american-new-rates/) - North American has issued the following bulletins: Fixed Indexed Annuity Rates Decrease Effective March 4, 2016 - [The Eight Elements of Extended Care Riders - Element 3 – Waiver of Premium](https://financial-brokerage.com/the-eight-elements-of-extended-care-riders-element-3-waiver-of-premium/) - Presented by Brian Leising Finding the right formula for each client Not all extended care riders on life insurance policies are created equally. Do you know the differences? Different combinations will appeal to different clients more than others. Here are eight of the major distinguishing features among insurance companies offering extended care riders. All include - [“Thanks, but no thanks. I already have DI through work.”](https://financial-brokerage.com/thanks-but-no-thanks-i-already-have-di-through-work/) - Presented by Tim Dreher I’m sure that most of you who market Disability Income Protection have heard this before, perhaps even many times. Personally, I actually like it when I hear that response from potential clients. Either it tells me that they were savvy enough to recognize the need for Income Protection and did something - [American General - AG News for February 25, 2016](https://financial-brokerage.com/american-general-ag-news-for-february-25-2016/) - American General has issued their latest newsletter. To view the AG News, click here. - [Fidelity & Guaranty - MYGA Special Interest Rate](https://financial-brokerage.com/fidelity-guaranty-myga-special-interest-rate/) - For applications received on or after February 26th, 2016, the special interest rate on the FG Guarantee-Platinum 5 single premium fixed deferred traditional annuity will increase from 3.00% to 3.15%. This special rate will end on March 11, 2016 subject to transition rules. To view more details, click here. - [American National - Rate Change](https://financial-brokerage.com/american-national-rate-change/) - Lock-In February Rates by 2/29! To view more details, click here. - [Transamerica - Product Update](https://financial-brokerage.com/transamerica-product-update-2/) - Transamerica has issued the following bulletins: Index Universal Life Products Update - [EquiTrust - Annuity Rate Change](https://financial-brokerage.com/equitrust-annuity-rate-change/) - EquiTrust has issued a rate change for March 3, 2016. To view the new rates, click here. - [Lincoln Financial - Fixed Annuity Rates Update](https://financial-brokerage.com/lincoln-financial-fixed-annuity-rates-update/) - Lincoln Financial has issued the following bulletins: Fixed Annuity Rate Update Lincoln Leader for February 22, 2016 - [American National - New GUL with Guaranteed Cash-Out](https://financial-brokerage.com/american-national-new-gul-with-guaranteed-cash-out/) - Signature Guaranteed UL’s premiums and premium Cash-Out amounts are priced to stand up to the competition! To view more details,click here. - [LifeSecure - News for February 22, 2016](https://financial-brokerage.com/lifesecure-news-for-february-22-2016/) - LifeSecure News for February 22, 2016 Personal Accident & Hospital Recovery Now in More States Did you hear the news? LifeSecure's Personal Accident insurance is now available in Pennsylvania and the Hospital Recovery product is now available in Tennessee. Click here for more details. These products can be offered to individuals, and also as a voluntary offering - [Mutual of Omaha - Express for February 24, 2016](https://financial-brokerage.com/mutual-of-omaha-express-for-february-24-2016/) - Mutual of Omaha has issued their latest newsletter. To view the Express, click here. - [Foresters - Life Happens - Legal Link Can Help](https://financial-brokerage.com/foresters-life-happens-legal-link-can-help/) - Legal Link provides Foresters members with complimentary or discounted services on legal matters. You can open a discussion with your clients on how Legal Link can address various questions. To view more details and other news,click here. - [Fidelity & Guaranty - March Life Rates](https://financial-brokerage.com/4779-2/) - Fidelity & Guaranty has issued the following rate updates for March 2016. Life Interest Rates - [Americo - Annuity Rate Change](https://financial-brokerage.com/americo-annuity-rate-change-3/) - New Annuity Rates Effective February 29, 2016 The deadline to lock in current rates is February 26, 2016. Applications and money must be received in the Home Office by February 26, 2016, 5:00 P.M., Central, in order to lock in current rates. 1035 exchange and transfer money on applications received by end of day on February 26, - [American National - Indexed Universal Life Illustration Regulation Changes](https://financial-brokerage.com/american-national-indexed-universal-life-illustration-regulation-changes/) - Effective March 1, 2016, new illustration guidelines set forth by the NAIC in Actuarial Guideline 49 will go into effect. The new regulation states that the illustrated rate credited to the variable loan balance cannot exceed the illustrated variable loan interest rate by more than 1%. As an example, in March 2016 the minimum variable - [Protective Life - Compliance Requirements for Life Insurance Illustrations](https://financial-brokerage.com/protective-life-compliance-requirements-for-life-insurance-illustrations/) - Protective Life is dedicated to providing quality service, building trust and simplifying everything for you and their mutual customers. As part of that effort, they want to ensure you stay informed and compliant regarding regulations within the industry. Please review the following reminders about state regulations that may affect the processing of your submitted business with Protective Life. - [Fidelity & Guaranty - New Universal Life Guidelines Phase 2](https://financial-brokerage.com/fidelity-guaranty-new-universal-life-guidelines-phase-2/) - In August 2015, the NAIC approved New Illustration Actuary Certifications under The Application of the Life Illustrations Model Regulation to Policies with Index-Based Interest (AG49). Because of the implementation of AG49, FGL was required to make changes to how FIUL products are illustrated. On September 1, 2015, FGL implemented Phase 1 of the required changes by - [4 Common Mistakes Your Clients May Be Making When Protecting Their Paycheck](https://financial-brokerage.com/4-common-mistakes-your-clients-may-be-making-when-protecting-their-paycheck/) - Presented by Michelle Daharsh When having a conversation about disability income protection with your clients, you will probably come across some common reasons stated as to why they don’t need it or want it. Most times when your client is asked about “disability insurance” they think it’s about getting hurt or injured. A better way - [Special Dates](https://financial-brokerage.com/special-dates/) - Presented by Jim Linn Have you ever forgotten a special date, perhaps a birthday or anniversary? We all have, including your clients. Here are a few ideas to utilize that will build value with your clients and set yourself apart from other advisors. Birthday calls: A couple of days before your client’s birthday, call to - [Mutual of Omaha - Express for February 17, 2016](https://financial-brokerage.com/mutual-of-omaha-express-for-february-17-2016/) - Mutual of Omaha has issued their latest newsletter. To view the Express, click here. - [Transamerica - Important Bulletins](https://financial-brokerage.com/transamerica-important-bulletins/) - Transamerica has issued the following bulletins: TransNavigator IUL Offers New Benefits Customer-Focused Approach to Social Media Marketing Webinar iGo System Maintenance February 19, 2016 Grand Prize sweepstakes International Underwriting Coding Producer Information on New Business Applications - [American General - Fixed Annuity Rates are Changing](https://financial-brokerage.com/american-general-fixed-annuity-rates-are-changing/) - Annuity rates are changing... Click to view new rates - [Rate Increase and Important Updates](https://financial-brokerage.com/rate-increase-and-important-updates/) - Protective life has issued the following bulletins: Protective Indexed Choice UL Maximum Illustrated Rate Increase and AG49 Updates Correction to Compliance Requirements for Life Insurance Illustrations - [Voya - Rate Update](https://financial-brokerage.com/voya-rate-update-2/) - Voya has issued a rate update and other important information. To view the bulletin, click here. - [State Life - Noteworthy News](https://financial-brokerage.com/state-life-noteworthy-news-3/) - State Life has issued their latest newsletter. To view the Noteworthy News, click here. - [National Western - Rate Change and Commission Bonus](https://financial-brokerage.com/national-western-rate-change-and-commission-bonus/) - National Western has issued the following bulletins: Interest Rate Change 1% Annuity Commission Bonus - [American General - Reminder - Changes to Wire and Lockbox Locations](https://financial-brokerage.com/american-general-reminder-changes-to-wire-and-lockbox-locations/) - Effective February 17, 2016, American General is implementing new mailing addresses and lockbox information for paperwork with premium (check) and wiring of funds for their suite of fixed, income and index annuities. To view more details, click here. - [Term Garden](https://financial-brokerage.com/term-garden/) - Presented by Gary Peterson Are you cultivating your “Term” garden? Those policies you delivered in the past can produce a bumper crop of clients through conversion to a permanent plan of insurance. If they have health issues, they can keep their better rate. If they are healthy, they may be able to get a better - [Medicare Supplement plans - enhancing your bottom line](https://financial-brokerage.com/medicare-supplement-plans-enhancing-your-bottom-line/) - Presented by Leonard Berthelsen As an industry, we have been talking about the impact that the baby boom generation was going to have as these folks become Medicare eligible, and well, it is upon us. Despite being well-versed in Medicare and the options available, there is still a tinge of anxiety that comes up when - [Does This Ever Happen to You?](https://financial-brokerage.com/does-this-ever-happen-to-you/) - By Kevin Kusleika, President You've spent the money and the time and the effort to attract a new prospect to discuss the greatest annuity product ever created. They're obviously interested in the annuity information they found on your website since they took the time not only to do the research, but to also fill out - [LifeSecure Newsletter](https://financial-brokerage.com/lifesecure-newsletter/) - LifeSecure has issued their latest newsletter. To view the newsletter click here. - [Lincoln Financial Group - Follow-Up from Competitive Services Group ONE Meeting](https://financial-brokerage.com/lincoln-financial-group-follow-up-from-competitive-services-group-one-meeting/) - This is a follow-up from the February ONE meeting where Lincoln Financial discussed taxes, specifically how life and long-term care insurance can lessen the burden of taxes. A lot of new resources were discussed that are available to assist you in having these conversations with your clients. To view more details, click here. - [State Life - Care Solutions Interest Rate Notice](https://financial-brokerage.com/state-life-care-solutions-interest-rate-notice/) - In response to the current interest rate environment, new business interest rates for Indexed Annuity Care will be decreasing effective Monday, February 15, 2016. View all rates >> The Indexed Annuity Care rates will be as follows: Point-to-point Cap = 3.25% Point-to-point Par = 20% Monthly average Cap = 3.50% Monthly average Par = 27% Fixed account - [Voya - News You Can Use](https://financial-brokerage.com/voya-news-you-can-use-4/) - Voya has issued their latest newsletter. To view the News You Can Use, click here. - ["Mailbox Money"](https://financial-brokerage.com/mailbox-money-2/) - Presented by David Corwin Living too long is a risk that many seniors are faced with today. Studies show that a 65 year-old man has a 34% chance of living to age 90 and a 17% chance of making it to 95. A 65 year-old woman has a 44% chance of living to age 90 - [The Eight Elements of Extended Care Riders - Element 2 – No-lapse guarantee](https://financial-brokerage.com/the-eight-elements-of-extended-care-riders-element-2-no-lapse-guarantee/) - Presented by Brian Leising Finding the right formula for each client Not all extended care riders on life insurance policies are created equally. Do you know the differences? Different combinations will appeal to different clients more than others. Here are eight of the major distinguishing features among insurance companies offering extended care riders. All include - [Our Primary Role in the Insurance Business is Protection...](https://financial-brokerage.com/our-primary-role-in-the-insurance-business-is-protection/) - By Deb Strong The insurance business is, for the most part, about protection; protecting homes, cars, belongings, assets and lives (not necessarily in that order). Many times when working with clients approaching retirement, we’re looking closely at providing income they can’t outlive; a key component of a happy retirement. But, what about those events that - [Foresters - News](https://financial-brokerage.com/foresters-news/) - Foresters has issued their latest newsletter. To view the newsletter, and to register for the upcoming webinars, click here. - [Principal Financial Group - New More Competitive DBO Product Available](https://financial-brokerage.com/principal-financial-group-new-more-competitive-dbo-product-available/) - Principal Life Insurance Company introduces a NEW DBO insurance product (HH794) in approved states. To view more details, click here. - [American National - The Independent Voice with February Rates](https://financial-brokerage.com/american-national-the-independent-voice-with-february-rates/) - American National has issued their latest newsletter with February rates. To view the Independent Voice, click here. - [North American - New Enhancements and Reward Program](https://financial-brokerage.com/north-american-new-enhancements-and-reward-program/) - North American has issued the following bulletins: New Improved NAC IncomeChoice Volatility Control Index Rates 2016 EPIC Program - [American General - Rates and Important Information](https://financial-brokerage.com/american-general-rates-and-important-information-8/) - American General has issued the following bulletins: Income Annuity Rates Will Decrease on Monday, February 8, 2016 Income Annuity Rates are Changing Monday, February 8, 2016 See American General's commitment to GUL In the Know - [Prudential - Life Essentials Newsletter for February 1, 2016](https://financial-brokerage.com/prudential-life-essentials-newsletter-for-february-1-2016/) - Prudential has issued their latest newsletter. To view the Life Essentials, click here. - [Transamerica - TransWeekly Newsletter for February 3, 2016](https://financial-brokerage.com/transamerica-transweekly-newsletter-for-february-3-2016/) - Index Loans Now Available on TransNavigator IUL Effective January 25, 2016, Index Loans are available on TransNavigator IUL. Now it's possible to run an illustration showing either a conventional or an index loan when taking loans against the policy. Index loans are available beginning on the third policy anniversary. This type of loan is charged - [Assurity - Connecticut Training](https://financial-brokerage.com/assurity-connecticut-training/) - Effective October 1, 2015, Connecticut enacted "An Act Protecting Elderly Consumers from Exploitation," which requires all Connecticut producers to participate in mandatory training to assist them in recognizing and detecting the potential of elderly fraud, exploitation and/or financial abuse. Please view the training module by clicking on the link provided. http://coa.cga.ct.gov/index.php/training-video - [American General - Annuity Rates are Changing](https://financial-brokerage.com/american-general-annuity-rates-are-changing-4/) - Annuity rates are changing... Click to view new rates - [Long Term Care vs. Short Term Care - What is the Right Answer?](https://financial-brokerage.com/long-term-care-vs-short-term-care-what-is-the-right-answer/) - Presented by Leonard Berthelsen Most agents probably haven’t given much thought to this issue and quite frankly, I can’t blame them. Long term care insurance has experienced slow growth over the past several years for a variety of reasons. Lack of understanding the protection, underwriting challenges, cost of coverage which continues to increase, and then - [Long Term Care Concerns](https://financial-brokerage.com/long-term-care-concerns/) - Presented by Michelle Daharsh Not many people really ever want to think that they will need long term care services because it is not a pleasant thought. Having to rely on someone else because we became frail or our cognitive ability has slowed are certainly not things that we look forward to. According to the - [American General - AG News for January 28, 2016](https://financial-brokerage.com/american-general-ag-news-for-january-28-2016/) - American General has issued their latest newsletter. To view the AG News, click here. - [AXA Equitable - Life Communications for January 27, 2016](https://financial-brokerage.com/axa-equitable-life-communications-for-january-27-2016/) - AXA Equitable has issued their latest newsletter. To view the Life Communications, click here. - [State Life - Noteworthy News](https://financial-brokerage.com/state-life-noteworthy-news-2/) - State Life has issued their latest bulletin. To view the Noteworthy News, click here. - [American National - Supplemental Application Changes](https://financial-brokerage.com/american-national-supplemental-application-changes/) - Effective immediately, the ASIA PLUS Supplemental Applications have been updated. The form numbers have been changed as part of this update. To view more details, click here. - [Mutual of Omaha - Express for January 27, 2016](https://financial-brokerage.com/mutual-of-omaha-express-for-january-27-2016/) - Mutual of Omaha has issued their latest newsletter. To view the Express, click here. - [Lincoln Financial Group - Fixed Annuity Rate Update](https://financial-brokerage.com/lincoln-financial-group-fixed-annuity-rate-update/) - Lincoln Financial has issued the following rate bulletins: National and New York Fixed Rate Announcement Index Annuity Rate Lock Procedure Fixed Non-Indexed Rate Lock Procedure Lincoln Leader for January 2016 Income Annuity Rate Lock Procedure - [American National - Rates and New Signature Guaranteed UL](https://financial-brokerage.com/american-national-rates-and-new-signature-guaranteed-ul/) - America National has issued the following bulletins: February Interest Rates New Signature Guaranteed UL - [Mutual of Omaha - Get Geared Up for Income Advantage IUL](https://financial-brokerage.com/mutual-of-omaha-get-geared-up-for-income-advantage-iul/) - Get Geared Up for Income Advantage IUL On March 1, 2016, United of Omaha will add a powerful new life product to its lineup. Will you be ready? You can be with DiscoverIUL.com. It has everything they need to get up to speed on Income Advantage and deliver its benefits to your clients. Help spread the word by - [North American - New Rider](https://financial-brokerage.com/north-american-new-rider/) - North American has issued the following bulletins: New Year - New Rider Live Webcast - RMD Solutions for Your Clients - [American General - Rates and Important Information](https://financial-brokerage.com/american-general-rates-and-important-information-7/) - American General has issued the following bulletins: Fixed Rates are Changing Today Lockbox and Wire Instructions Changing Soon - [Disability Income Protection - Good for Both the Client and the Producer](https://financial-brokerage.com/disability-income-protection-good-for-both-the-client-and-the-producer/) - Presented by Tim Dreher There are many good reasons for making the effort to start talking to your clients about Disability Income protection. Two very important ones are protecting your clients from the financial consequences of a debilitating accident/injury or serious sickness/illness, and the potential significant increase in your income from writing a new line - [Document Your Appointment](https://financial-brokerage.com/document-your-appointment-2/) - Presented by David Corwin I read an article recently that caused me to think about a few things. When Insurance Professionals meet with their clients to sell annuities and/or life policies, very few of them will document or take some extra time to make notes about the appointment. It is critical to do so due - [Foresters - Keep in the Green - Track Your Progress](https://financial-brokerage.com/foresters-keep-in-the-green-track-your-progress/) - You can now watch your convention credits grow with the Convention Tracker. To view more details, click here. - [American National - Important Bulletins](https://financial-brokerage.com/american-national-important-bulletins/) - American National has issued the following bulletins: New GUL with Cash-Out Option Sales Ideas to Power Your Life Business Approved - California Accelerated Benefit Riders - [Banner/William Penn - Easy Access to Lower Term Marketing Materials](https://financial-brokerage.com/bannerwilliam-penn-easy-access-to-lower-term-marketing-materials/) - Easy Access to Lower Term Marketing Materials LET'S BE REAL. Much as we all might agree that price shouldn't be so important in a term selling/buying decision, the market acts first on price. So to foster a consistent flow with few interruptions in their relationship with you, LGA uses its pricing power to react nimbly to - [American Equity - Choice Series Product and Application Changes](https://financial-brokerage.com/american-equity-choice-series-product-and-application-changes/) - Choice Series Product and Application Changes American Equity is pleased to announce the following changes for the Choice Series effective January 14. The maximum issue age is increasing from 80 to 85 on the Choice 6 and Choice 8 products. The maximum issue age remains 80 for the Choice 10. Commission Options B and C - [EquiTrust - Optional Rider on Certainty Select Discontinued](https://financial-brokerage.com/equitrust-optional-rider-on-certainty-select-discontinued/) - Optional Rider on Certainty Select Discontinued Currently, Certainty Select (MYGA) features two versions: the Base Contract and Optional Rider. Effective 2/1/16, the Optional rider will no longer be available. Transition Rules * To get the Optional Rider, original applications must be received in the EquiTrust home office by Friday, 1/29/16. * Pending sales of Optional Rider received - [Fidelity & Guaranty - MYGA Special Soon to Accept Transfers](https://financial-brokerage.com/fidelity-guaranty-myga-special-soon-to-accept-transfers/) - Fidelity & Guaranty has issued the following bulletins: 3.00% Limited Time Only on FG Guarantee-Platinum 5 Advertising Guidelines - [Protective Life - Advantage Choice UL and Custom Choice UL Updates](https://financial-brokerage.com/protective-life-advantage-choice-ul-and-custom-choice-ul-updates/) - Protective Life remains committed to being your carrier of choice to address the core protection product needs of your agents and the clients which they serve. Based on this commitment, Protective is launching an enhanced version of the Protective Advantage Choice UL which will improve competitive positioning in the most frequently sold ages, risk classes and funding - [Mutual of Omaha - Express and Life Media Kit](https://financial-brokerage.com/mutual-of-omaha-express-and-life-media-kit/) - Mutual of Omaha has issued the following bulletins: Express for January 20, 2016 Life Media Kit - [When does a 10% increase equal a 20% commission increase?](https://financial-brokerage.com/when-does-a-10-increase-equal-a-20-commission-increase/) - Presented by Jim Linn When it comes to placed business ratio: Let use this as an example: Agent submits 10 applications at a monthly premium of $100. 10 x $100 x 12 months= $12,000 Annual Premium For illustration purposes, assume a commission rate of 80% Placement ratio of 50% = $4,800 commission Placement ratio of - [National Western - Option Life Series is Now Available](https://financial-brokerage.com/national-western-option-life-series-is-now-available/) - Rapid Issue Life and Graded Death Benefit are now available! The application process has been simplified and is available through electronic application (e-App) and "NOW" Underwriting simplified issue process. To view more details, click here. - [Transamerica - TransWeekly and Important Information](https://financial-brokerage.com/transamerica-transweekly-and-important-information-3/) - Transamerica has issued the following bulletins: * Transamerica Solutions Portfolio TransWeekly Newsletter for January 13, 2016 PRODUCT DEVELOPMENT & MANAGEMENT Accelerated DB Rider Now Available on Immediate and 10 Pay Solutions in CA The Accelerated Death Benefit Rider is now available on the Final Expense Immediate and 10 Pay Solutions in the state of California. - [American National - Cash Bonus](https://financial-brokerage.com/american-national-cash-bonus/) - American National has issued the following bulletins: Cash Bonus for Life - [EquiTrust - New Illustrations For All Index Annuities](https://financial-brokerage.com/equitrust-new-illustrations-for-all-index-annuities/) - Now you can show your prospects a detailed analysis of their index annuity, consisting of both guaranteed and non-guaranteed values. To view more details, click here. - [Lincoln Financial - Follow-up From Competitive Services Group ONE Meeting](https://financial-brokerage.com/lincoln-financial-follow-up-from-competitive-services-group-one-meeting/) - This is a follow-up from the January ONE meeting where Lincoln Financial discussed Resolutions and Solutions for 2016. This was the first ONE Meeting of the new year and was a great way to kick off 2016. To view more details, click here. - [Voya - Rate Changes](https://financial-brokerage.com/voya-rate-changes/) - Voya has issued their latest rate changes. To view the rates, click here. - [State Life - Interest Rate Notice](https://financial-brokerage.com/state-life-interest-rate-notice-4/) - Interest Rates Notice New business interest rates for the Care Solutions product portfolio remain unchanged, effective Friday, January 15, 2016. View rates >> Indexed Annuity Care continues to offer Most Beneficial Rate: Indexed Annuity Care offers your clients the opportunity to receive the best declared interest (or cap, or par) rate available between - [The Eight Elements of Extended Care Riders - Element 1](https://financial-brokerage.com/the-eight-elements-of-extended-care-riders-element-1/) - Presented by Brian Leising Finding the right formula for each client Not all extended care riders on life insurance policies are created equally. Do you know the differences? Different combinations will appeal to different clients more than others. Here are eight of the major distinguishing features among insurance companies offering extended care riders. All include - [North American - Important Information for Delaware and North Dakota](https://financial-brokerage.com/north-american-important-information-for-delaware-and-north-dakota/) - Important Information for Delaware and North Dakota North America has issue the following bulletins:* New in North Dakota - North American Charter Plus * New in Delaware - North American Charter Plus * New in Delaware - Income Pay Plus Rider - [Fidelity & Guaranty - New Retirement Pro Approvals](https://financial-brokerage.com/fidelity-guaranty-new-retirement-pro-approvals/) - Great news! FGL’s FG Retirement Pro is now available for sale in the states of California, Illinois, Missouri and New Jersey. Retirement Pro offers: * 7% bonus * Strong performance-driven income * No fee * Impairment doubler (not offered in IL) * 8.5% street comp To view more details, click here. - [American National - New California Approval](https://financial-brokerage.com/american-national-new-california-approval/) - Accelerated Benefit Riders approved in California for Critical, Chronic & Terminal Illness! Learn more. - [American General - Annuity Rates are Changing](https://financial-brokerage.com/american-general-annuity-rates-are-changing-3/) - Annuity rates are changing Click to view new rates - [](https://financial-brokerage.com/4554-2/) - American General has issued their latest newsletter. To view the AG News, click here. - [State Life - Updates to Annuity Care II](https://financial-brokerage.com/state-life-updates-to-annuity-care-ii/) - State Life has issued the following Annuity Care II updates. To view the updates, click here. - [Principal Financial Group - IDI Product News](https://financial-brokerage.com/principal-financial-group-idi-product-news/) - Principal Financial has issued their latest newsletter. To view the IDI Product News, click here. - [Transamerica - TransWeekly Newsletter for January 6, 2015](https://financial-brokerage.com/transamerica-transweekly-newsletter-for-january-6-2015/) - PRODUCT DEVELOPMENT & MANAGEMENT Transamerica to Replace Copies of Certain Customer Correspondence with Report Effective Jan. 19, 2016, Transamerica will begin replacing the mailing of individual agent copies of certain customer correspondence with a detailed report to be mailed twice weekly. To learn more about the time frame and what types of correspondence will be - [National Western - Lifetime Returns Updates](https://financial-brokerage.com/national-western-lifetime-returns-updates/) - National Western has issued the following bulletins: * Lifetime Returns Plus * Lifetime Returns Select Has Been Redesigned - [Assurity - Software Update](https://financial-brokerage.com/assurity-software-update/) - IMPORTANT Software UPDATE! January 6, 2016 To all Agents offering life insurance: A new illustration update for Life Portraits was implemented 1/5/2016. If you're a desktop user of Life Portraits -a manual update is required. >>>This can be accomplished by clicking System Update on the home screen of Life Portraits. If you have any questions, - [Banner/William Penn - Term Rates and Underwriting Dialogue](https://financial-brokerage.com/bannerwilliam-penn-term-rates-and-underwriting-dialogue/) - Banner/William Penn has issued the following bulletins: * Term Rates are Lower * New Underwriting Dialogue - [EquiTrust - Outstanding SPIA Rates](https://financial-brokerage.com/equitrust-outstanding-spia-rates/) - Monthly Guaranteed Payout on $100,000 Premium 5 Years 10 Years 20 Years Male 65/Life Female 65/Life $1,706.12 $924.71 $555.95 $549.13 $501.11 Rates as of 12/17/15 Click on the links below to: Run an Illustration Print Client Brochure Print Agent Guide See State Approvals See More Rate Information - [American National - Cash is King in 2016](https://financial-brokerage.com/american-national-cash-is-king-in-2016/) - American National is having cash bonus incentive for annuity sales January 1 through March 31. Click here for more information. - [Mutual of Omaha - Express for January 6, 2016](https://financial-brokerage.com/mutual-of-omaha-express-for-january-6-2016/) - Mutual of Omaha has issued their latest newsletter. To view the Express, click here. - [American National - New IUL Product and Cash Bonus for Life](https://financial-brokerage.com/american-national-new-iul-product-and-cash-bonus-for-life/) - Signature Plus Indexed Universal Life Insurance from American National Insurance Company offers FOUR One-Year Indexed Interest Crediting Strategies and a Fixed Account. To view more details, click here. Cash Bonus for Life The New Life Sales Bonus Program runs January 1, 2016 through April 30, 2016. To view more details,click here. - [American General - Rates and Important Information](https://financial-brokerage.com/american-general-rates-and-important-information-6/) - American General has issued the following bulletins: Income Annuity Rates Will Decrease January 11, 2016 SPIA Adds a Competitive New Feature - [The Right Fit](https://financial-brokerage.com/the-right-fit/) - Presented by Deb Strong Do you have clients that can’t tolerate the stock market roller-coaster ride? Maybe they’re close to, or in retirement, and protection of assets accumulated from years of hard work just can’t be exposed to volatility. Maybe they need to mitigate the risk of a potential long-term care event. Maybe the goal - [Lincoln Benefit - Using the NAIC Expense Table in 2016](https://financial-brokerage.com/lincoln-benefit-using-the-naic-expense-table-in-2016/) - Lincoln Benefit - Using the NAIC Expense Table in 2016 To comply with the National Association of Insurance Commissioners (NAIC) Life Insurance Illustrations Model Regulation, Lincoln Benefit is required to disclose the method of expense allocation used in illustration testing at least once per year. This is to advise that for 2016 they are using the "Generally Recognized - [Fidelity & Guaranty - FG Life-Choice Minimum Face Amount to be Lowered](https://financial-brokerage.com/fidelity-guaranty-fg-life-choice-minimum-face-amount-to-be-lowered/) - Fidelity & Guaranty - FG Life-Choice Minimum Face Amount to be Lowered Great news! Effective December 30, 2015, FGL will be lowering the minimum face amount to $100,000 for issue ages 46-75 on new applications for FG Life-Choice! This is great news for your clients who are looking for life insurance, but at a lower - [American Equity - Compliance Zone](https://financial-brokerage.com/american-equity-compliance-zone/) - American Equity - Compliance Zone American Equity would like to keep you informed and aware of important regulatory and compliance issues. CLICK HERE to view the most recent edition of Compliance Zone, the Compliance newsletter. American Equity appreciates your help and cooperation in adhering to compliance issues and policies. - [Assurity - Juvenile Whole Life Policies Webinar](https://financial-brokerage.com/assurity-juvenile-whole-life-policies-webinar/) - Assurity - Juvenile Whole Life Policies Webinar This webinar will help you identify clients and prospects for juvenile whole life, and how to grow your business while helping them meet sound financial protection goals. To view more details and to register, click here. - [Lincoln Financial Group - Competitive Services Webinar](https://financial-brokerage.com/lincoln-financial-group-competitive-services-webinar/) - Lincoln Financial Group - Competitive Services Webinar If one of your resolutions for 2016 is to do more life insurance and LTC business, then this is the ONE meeting you do not want to miss! To view more details and to register, click here. - [American National - New Rates and New Product](https://financial-brokerage.com/american-national-new-rates-and-new-product/) - American National - New Rates and New Product American National has issued the following bulletins: * New Rates, New Product, New Year * Uncapped Potential - [Mutual of Omaha - Express for December 23, 2015](https://financial-brokerage.com/mutual-of-omaha-express-for-december-23-2015/) - Mutual of Omaha has issued their latest newsletter. To view the Express, click here. - [New Annuity Applications](https://financial-brokerage.com/new-annuity-applications/) - Effective January 5, 2016, North American is pleased to announce a new fixed annuity application, redesigned for fewer state versions along with other enhancements. The new application will be available for business received on or after January 5, 2016. Old applications will be accepted through February 5, 2016. To view more details, click here. - [American National - New IUL Product](https://financial-brokerage.com/american-national-new-iul-product/) - Signature Plus Indexed Universal Life Insurance from American National Insurance Company offers FOUR One-Year Indexed Interest Crediting Strategies and a Fixed Account. To view more details, click here. - [Protective Life - News Update](https://financial-brokerage.com/protective-life-news-update/) - Protective Life has issued their latest newsletter. To view the News Update, click here. - [North American - Are You In The Zone](https://financial-brokerage.com/north-american-are-you-in-the-zone/) - Are You In The Zone The NEW Annuity Marketing Zone includes product materials, competitive advantage resources, videos, tutorials and more!To view more details, click here. - [Assurity - Important Information](https://financial-brokerage.com/assurity-important-information-3/) - Assurity - Important Information Producers licensed to sell in North Dakota If you are developing your own sales materials, social media postings, websites and advertising, you must have compliance approval from the Assurity home office. Please submit materials by email to adapproval@assurity.com, or fax to (402) 458-2185. Websites: In addition, producers with websites containing links - [Americo - Compliance Notice and Holiday Schedule](https://financial-brokerage.com/americo-compliance-notice-and-holiday-schedule/) - Americo - Compliance Notice To: Americo Agents Re: Important Agent Notices Click on the link below for important agent notices. Agent Notice ------------------------------------------------------------------------------------------------------------------------------- Americo Holiday Schedule In celebration of the Holidays, Americo's office schedule will be as follows: December 23 - Closing at 3:00 pm central December 24 & 25 - Closed January 1, 2016 - - [EquiTrust - New Feature on DynaMARC Index Annuity Illustrations](https://financial-brokerage.com/equitrust-new-feature-on-dynamarc-index-annuity-illustrations/) - EquiTrust - New Feature on DynaMARC Index Annuity Illustrations How much additional income might your clients receive if they delay their Strategic Income Option withdrawals? The answer is now graphically displayed in all DynaMARC Index Annuity illustrations in which the Strategic Income Option is selected. To view more details, click here. - [North American - Holiday Hours](https://financial-brokerage.com/north-american-holiday-hours/) - North American - Holiday Hours Upcoming Holiday Office Closures As we wrap up the year, we want to keep you informed of our holiday schedule to ensure you have the access you need for your North American fixed annuity business. Holiday Break: Closed December 24 and 25, 2015 New Year's Break: Closed January 1, 2016 - [American National - California Accelerated Benefit Riders Webinar](https://financial-brokerage.com/american-national-california-accelerated-benefit-riders-webinar/) - American National - California Accelerated Benefit Riders Webinar Available on American National life insurance policies in January 2016. Available Policies include: ANICO Signature Term, ANICO Signature Term SI, Signature IUL, ANICO Executive UL, ANICO Executive SI UL, & Affinity 7 Whole Life. To view more details and to register, click here. - [Utilizing ROP Term to pay off a mortgage early and save THOUSANDS of dollars](https://financial-brokerage.com/utilizing-rop-term-to-pay-off-a-mortgage-early-and-save-thousands-of-dollars/) - Presented by Jim Linn Most clients' largest financial debit is their home and if something were to happen to them they want the mortgage paid off. We have heard this countless times from clients. If you had the ability to show them a product, that not only covers the mortgage should they die prematurely, but - [National Western - Holiday Cut-Off Dates](https://financial-brokerage.com/national-western-holiday-cut-off-dates/) - National Western - Holiday Cut-Off Dates National Western has issued their holiday cut-off dates. To view the bulletin, click here. - [Principal Financial - Higher DI Benefit Amounts for Clients](https://financial-brokerage.com/principal-financial-higher-di-benefit-amounts-for-clients/) - Higher DI Benefit Amounts for Clients Your clients may now qualify for higher benefit amounts1 for Individual Disability Income (DI) insurance (at the same income) with Principal Life Insurance Company. Available on new Individual DI insurance policies, we have increased benefits at nearly every income level. Here’s an example of how the new benefit tables - [Protective Life - Time is Running Out to Get to Napa](https://financial-brokerage.com/protective-life-time-is-running-out-to-get-to-napa/) - Protective Life - Time is Running Out to Get to Napa Need help getting there? Get to Napa by providing clients the ability to tailor a solution using unique options for chronic illness protection and beneficiary income streams. Learn more » An enchanting experience awaits you. Celebrate your hard-earned success in Napa Valley at the - [American National - Year End Business Procedures](https://financial-brokerage.com/american-national-year-end-business-procedures/) - American National - Year End Business Procedures American National has issued their year end business procedures. To view the bulletin, click here. - [Transamerica - TransWeekly Newsletter for December 16, 2015](https://financial-brokerage.com/transamerica-transweekly-newsletter-for-december-16-2015/) - Transamerica - TransWeekly Newsletter for December 16, 2015 Transamerica has issued their latest newsletter. To view the TransWeekly, click here. - [Mutual of Omaha - Express for December 16, 2015](https://financial-brokerage.com/mutual-of-omaha-express-for-december-16-2015/) - Mutual of Omaha - Express for December 16, 2015 Mutual of Omaha has their latest newsletter. To view the Express, click here. - [Foresters - Important Information](https://financial-brokerage.com/foresters-important-information-2/) - Foresters - Important Information Foresters has issued the following bulletins: * Year End Processing Deadlines and Holiday Hours * Sell Foresters Go to Alaska - [North American - Product Changes](https://financial-brokerage.com/north-american-product-changes/) - Product Changes North American has issued the following bulletins: * NAC BenefitSolutions Changes Coming January 5, 2016 * NAC BenefitSolutions II Changes Coming January 5, 2016 - [EquiTrust - Rate Increase](https://financial-brokerage.com/equitrust-rate-increase/) - EquiTrust - Rate Increase Certainty Select & Confidence Income rate increase effective Thursday, December 17th. To view more details, click here. - [Financial Brokerage Holiday Closings](https://financial-brokerage.com/financial-brokerage-holiday-closings/) - Financial Brokerage Holiday Closings The Financial Brokerage office will be closed on Thursday and Friday, December 24 and 25, 2015 and also on January 1, 2016 to celebrate the Christmas and New Year’s Holidays. At this time, we’d like to wish each and every one of you a safe and happy holiday! - [Banner/William Penn - New Term Rates](https://financial-brokerage.com/bannerwilliam-penn-new-term-rates/) - New Term Rates No Increases - All Decreases To view more details, click here. - [American General - Rates and Important News](https://financial-brokerage.com/american-general-rates-and-important-news-2/) - Rates and Important News American General has issued the following bulletins: * Fixed Annuity Rates are Changing * Changes to Wire and Lockbox Locations * Monthly Highlights * New Client Profile Form * AG News for December 17, 2015 - [Where There’s a Problem – We Have a Solution](https://financial-brokerage.com/where-theres-a-problem-we-have-a-solution/) - Presented by Deb Strong Do you have clients that are concerned with how they are going to pay for Long Term Care coverage? If you do, you need to call your Sales Manager at Financial Brokerage at 800-397-9999. We have many products that are protected by the Pension Protection Act, which means that structured properly, the - [North American - Special Extended - Earn More Commission](https://financial-brokerage.com/north-american-special-extended-earn-more-commission/) - Great News - Commission Special Extended for a Limited Time! Click here for more details. - [Transamerica LTC - LTC News for December 10, 2015](https://financial-brokerage.com/transamerica-ltc-ltc-news-for-december-10-2015/) - LTC News for December 10, 2015 Transamerica LTC has issued their latest newsletter.To view the LTC News, click here. - [Turn Your Clients’ “Lazy Money” Into Life Sales](https://financial-brokerage.com/turn-your-clients-lazy-money-into-life-sales/) - Presented by Gary Peterson Have you heard about the Smart Money Concept? If you have clients that are planning on leaving assets to their family, or have money set aside for an emergency, this may offer a safe way for them to pursue their goals. Permanent life insurance offers four key benefits: · Income tax-free - [State Life - Rates and Updates to Annuity Care II](https://financial-brokerage.com/state-life-rates-andupdates-to-annuity-care-ii/) - State Life has issued the following bulletins with rates and new state approvals and state updates. To view the rates, click here. To view the updates, click here. - [Lincoln Financial Group - Underwriting Enhancements](https://financial-brokerage.com/lincoln-financial-group-underwriting-enhancements/) - Lincoln Financial has issued the following bulletins regarding underwriting enhancements and premium financing information. * Underwriting Guidelines * Premium Financing Information * Planning on Submitting a Premium Financing Case? - [Protective Life - New Income Builder Cap Rate](https://financial-brokerage.com/protective-life-new-income-builder-cap-rate/) - Annual Point-to-Point Interest Crediting Strategy Rate Cap for Contract Value of $100,000 or more 5.70% Rate effective December 8, 2015. Amounts allocated to this strategy earn interest in arrears based, in part on the performance of the S&P 500 Index. The interest credited is equal to the percentage change of the index up to the - [Transamerica - TransWeekly Newsletter for December 9, 2015](https://financial-brokerage.com/transamerica-transweekly-newsletter-for-december-9-2015/) - Transamerica has issued their latest newsletter. To view the TransWeekly, click here. - [Lincoln Financial Group - New Leading Edge Underwriting Advantage](https://financial-brokerage.com/lincoln-financial-group-new-leading-edge-underwriting-advantage/) - Now Lincoln Financial is eliminating many EKG requirements To help streamline the process and give your clients a better experience, an EKG is no longer needed for many age and face amounts. No EKG requirements for For any face amount Ages 50 and below Ages 70 and above Lincoln continues to eliminate requirements for our customers - [Mutual of Omaha - Express for December 9, 2015](https://financial-brokerage.com/mutual-of-omaha-express-for-december-9-2015/) - Mutual of Omaha has issued their latest newsletter. To view the Express, click here. - [The Time has Come for Some Frank Discussions with Gen Xers and Millennials About Retirement](https://financial-brokerage.com/the-time-has-come-for-some-frank-discussions-with-gen-xers-and-millennials-about-retirement/) - Presented by Leonard Berthelsen Over the last dozen or so years, the financial services industry has been focused on how well the baby-boom generation has prepared itself for retirement. As it turns out, some have planned well, others not so well, and the remaining didn’t do anything. I don’t think it is a generational issue, - [Be “that guy” at the party](https://financial-brokerage.com/be-that-guy-at-the-party/) - Presented by David Corwin I should say “that financial professional” to cover the women who work in this wonderful profession too. What do I mean by being that guy or professional is to know your stuff, or at least enough to impress; not gloat or brag, but just know a few things to catch their - [We are a better option for insurance and financial advice than Google!](https://financial-brokerage.com/we-are-a-better-option-for-insurance-and-financial-advice-than-google/) - Presented by David Corwin As long as we remember that clients can now go online for insurance services, we will need to solidify long term relationships, get more qualified referrals, and keep our industry, that we all love, in good standing with the public at large. What do I mean by that? I have worked - [Transamerica - Upcoming Convention and TransWeekly Newsletters](https://financial-brokerage.com/transamerica-upcoming-convention-and-transweekly-newsletters/) - Upcoming Convention and TransWeekly Newsletters Transamerica and Transamerica Family Markets has issued the following communications.* Transamerica Family Markets 2016 ConventionTransWeekly for November 25, 2015 FOREIGN NATIONALS IUL May Be a Smart Solution for Foreign Nationals Index Universal Life (IUL) insurance can be an attractive option to meet client needs because some IUL policies offer index interest - [Protective Life - Important Bulletins](https://financial-brokerage.com/protective-life-important-bulletins/) - Protective Life has issued the following bulletins: Protective Today Newsletter for December 2, 2015 2016 Accelerated Death Benefit Increase for ExtendCare - [North American - Important Information](https://financial-brokerage.com/north-american-important-information-5/) - North American has issued the following bulletins: Take Action Now - Proposed DOL Rule New Mobile Friendly Illustrations - [Lincoln Financial Group - Fixed Annuity Rates Update](https://financial-brokerage.com/lincoln-financial-group-fixed-annuity-rates-update-2/) - Please review the current rates for December 1, 2015 Fixed annuity rates are effective 12/1/15. Applications received on or after 12/1/15 will use the rates below. Rate notices National New York Rate lock procedures For specific rate lock procedures, visit LFD.com or click here. Note: Indexed annuities are issued four times a month, on the - [American National - The Independent Voice and Important Upgrade](https://financial-brokerage.com/american-national-the-independent-voice-and-important-upgrade/) - The Independent Voice and Important Upgrade American National has issued the following bulletins: The Independent Voice for December Annuity Emails & Phone Systems Notice Upgrade - [Mutual of Omaha - Express Newsletters](https://financial-brokerage.com/mutual-of-omaha-express-newsletters/) - Mutual of Omaha has issued the following newsletters: Express Newsletter for December 2, 2015 - [North American - Important Updates](https://financial-brokerage.com/north-american-important-updates-6/) - North American has issued the following bulletins: North American News Updated Income Pay Rider Forms New Rider - Income Pay Plus Forms - [American Equity - LIBR Rate Change and Product Discontinuation](https://financial-brokerage.com/american-equity-libr-rate-change-and-product-discontinuation/) - Hurry! Rate Change! Rate Adjustments and Product Changes Effective Dec. 31, 2015 Due to the required use of new mortality factors that will cause higher reserve requirements for guaranteed income riders issued in 2016, American Equity is announcing rate changes to its Lifetime Income Benefit Rider. Additionally, the Enhanced Death Benefit and the Heritage Gold - [American General - Rates and Upcoming Webinars](https://financial-brokerage.com/american-general-rates-and-upcoming-webinars/) - American General has issued the following bulletins: Fixed Rates are Changing Generation Matters Webinars - [Fidelity & Guaranty - MYGA Special Rate](https://financial-brokerage.com/fidelity-guaranty-myga-special-rate/) - An Interest Rate Special on FG Guarantee-Platinum 5 is here. Give your clients the interest rate they’re looking for – guaranteed for five years! Fidelity & Guaranty Life’s FG Guarantee-Platinum 5 single premium fixed traditional annuity will be increasing to 3.00% effective November 30, 2015. This offer is for a limited time! To view more - [Savings Bank Life - Lower Rates and Faster Underwriting](https://financial-brokerage.com/savings-bank-life-lower-rates-and-faster-underwriting/) - By now, you’ve probably noticed the great new term rates. Not only do they remain strong among fortysomethings and pre-retirees, they’re great for younger men and women at smaller face amounts. Did you also know that SBLI is turning around cases with incredible speed? Get this: Savings Bank typically processes more than 40% of cases in 10 days - [State Life - Noteworthy News](https://financial-brokerage.com/state-life-noteworthy-news/) - State Life has issued their latest newsletter. To view the issue, click here. - [Reduce Retirement Risk](https://financial-brokerage.com/reduce-retirement-risk/) - Presented by Brian Leising “I’m too busy building wealth for my clients, why would I integrate permanent life insurance into my financial planning practice?” Sales expert Jeffrey Gitomer says “the fear of loss is greater than the desire to gain.” Think about it, how many calls do you get from concerned clients when the stock - [Foresters - Market Insights - Competitive Scholarships](https://financial-brokerage.com/foresters-market-insights-competitive-scholarships/) - Foresters is proud to contribute to the opportunities that education can bring to individuals, families and communities. Each year, the Foresters Competitive Scholarship Program offers up to 250 tuition scholarships for post-secondary education worth up to $8,000 each in the US, Canada and the UK. To view more details, click here. - [North American - Updated Rates](https://financial-brokerage.com/north-american-updated-rates/) - North American has issued the following bulletin: Updated Rate Sheet - [Legacy Marketing Group - Rate Change and Important Information](https://financial-brokerage.com/legacy-marketing-group-rate-change-and-important-information/) - Legacy Marketing Group has issued the following bulletins: Rate Change Anbang Acquisition Talking Points Legacy's Wholesaler Meeting - [American National - December Rate Change](https://financial-brokerage.com/american-national-december-rate-change/) - American National has issued their December interest rates. To view the new rates, click here. - [With Experience Comes Knowledge.  Are the LTCi Carriers Getting it Right? ](https://financial-brokerage.com/with-experience-comes-knowledge-are-the-ltci-carriers-getting-it-right/) - Presented by Leonard Berthelsen We certainly would like to think that knowledge comes from experience and that we are onto a brighter future with long term care insurance. A recent article on the website LifeHealthPro.com outlines many of the issues affecting LTCi carriers and the impact that it has on policy design and pricing. The - [State Life - Important Bulletins](https://financial-brokerage.com/state-life-important-bulletins/) - State Life has issued the following bulletins: * Illustrations Now Available for Indexed Annuity Care * Care Solutions University Webinar Series - [North American - Rate Change and Upcoming Webinar](https://financial-brokerage.com/north-american-rate-change-and-upcoming-webinar/) - North American has issued the following rate change bulletins: * Guarantee Choice MYGA Rate Change * Guarantee Choice II MYGA Rate Change - [American General - Rates and AG News](https://financial-brokerage.com/american-general-rates-and-ag-news-3/) - American General has issued the following bulletins: * Fixed Annuity Rates are Changing * AG News for November 19, 2015 * Unlock the Mystery of the Millennials - [Savings Bank Life - New Low Rates](https://financial-brokerage.com/savings-bank-life-new-low-rates-2/) - Effective November 16, SBLI is offering new, even lower rates. Not only do they remain strong among fortysomethings and pre-retirees, they’re great for younger men and women at smaller face amounts. To view more details,click here. - [American General - Rates and News](https://financial-brokerage.com/american-general-rates-and-news/) - American General has issued the following bulletins: * Annuity Rates are Changing November 16, 2015 * AG News for November 12, 2015 * Life Insurance Webinar Schedule, Webinar details - [Americo - Annuity Rate Change](https://financial-brokerage.com/americo-annuity-rate-change-2/) - Americo has made some positive rate adjustments to their Ultimate One Index 9 and Future Provider annuity products. New contracts issued on November 30, 2015 or after will receive the new rates. For more information and to view new rates, click the link below. Rate Card - [AXA Equitable - Life Communications for November 19, 2015](https://financial-brokerage.com/axa-equitable-life-communications-for-november-19-2015/) - AXA Equitable has issued their latest newsletter. To view the Life Communications, click here. - [Mutual of Omaha - Express for November 18, 2015](https://financial-brokerage.com/mutual-of-omaha-express-for-november-18-2015/) - Mutual of Omaha has issued their latest newsletter. To view the Express, click here. - [Fidelity & Guaranty - Important Updates](https://financial-brokerage.com/fidelity-guaranty-important-updates/) - Fidelity & Guaranty has issued the following bulletins: * Non-Medical Underwriting Program * Safe Income Plus Updates - [Lincoln Financial Group - Updates](https://financial-brokerage.com/lincoln-financial-group-updates/) - Lincoln Financial Group - Updates and Upcoming Webinar Lincoln Financial Group has issued the following updates and webinar information: * Twelve Things You May Not Know About Lincoln Life Portfolio Webinar * Income Solutions - Create a Wise Plan * November Interest Rates - [Transamerica - News Updates](https://financial-brokerage.com/transamerica-news-updates-2/) - Transamerica - News Updates Transamerica has issued the following bulletins: * The Source Newsletter * Important Information Regarding Transamerica Solutions Final Expense TransWeekly for November 18, 2015 INFORCE BUSINESS Transamerica to Provide Limited Illustrations on Certain Inforce Policies Beginning November 19, Transamerica will illustrate only the guaranteed future interest rate and monthly deductions for inforce - [EquiTrust - DynaMARC Approved in Vermont](https://financial-brokerage.com/equitrust-dynamarc-approved-in-vermont/) - EquiTrust has approved DynaMARC Index Annuity for Vermont. To view more details, click here. - [Universal Life Beats Term!](https://financial-brokerage.com/universal-life-beats-term/) - Presented by Brian Leising For those who attended the Financial Brokerage 2015 Sales Summit (and those who couldn’t make it), two of the most popular sales ideas proved that Universal Life Insurance could cost your clients less money than Term Life Insurance! Here are two scenarios from Prudential and Protective Life: Prudential UL Beats Term- - [Providing LTC Coverage for an Uninsurable Spouse](https://financial-brokerage.com/providing-ltc-coverage-for-an-uninsurable-spouse/) - Presented by Tim Dreher Long Term Care awareness month is November and I wanted to expand on my last blog where I wrote about adding an insurable spouse/partner to take advantage of the substantial discounts that the carriers provide. In most cases the combined premium when adding the spouse/partner at minimum benefits, is less than - [EquiTrust - DynaMARC Approved in Oregon](https://financial-brokerage.com/equitrust-dynamarc-approved-in-oregon/) - Exciting Index Annuity with a Multi-Asset, Risk-Controlled Index! To view more details, click here. - [Savings Bank Life - New Rates](https://financial-brokerage.com/savings-bank-life-new-rates/) - Market Leading Rates Arrive on November 16! SBLI is pleased to announce new, market leading term rates on November 16, 2015. The rates will be much more competitive across a broad spectrum of ages and face amounts, and continue to be strong among fortysomethings and pre-retirement ages. New rates will be available for quoting on SBLIAgent.com, - [North American - Rider Changes Coming](https://financial-brokerage.com/north-american-rider-changes-coming/) - North American has issued the following bulletins: Income Pay Changes Coming December 1, 2015 Income Pay Plus Coming December 1, 2015 - [American General - Rate Change](https://financial-brokerage.com/american-general-rate-change-2/) - American Pathway® Immediate Annuity and American Pathway Deferred Income Annuity rates will INCREASE on Monday, November 16, 2015. - [Fidelity & Guaranty - Power Producer - Time is Running Out](https://financial-brokerage.com/fidelity-guaranty-power-producer-time-is-running-out/) - Time is running out! Less than 2 months (6 buy dates) left for producers to qualify for the Power Producer trip and maximize their Power Producer retirement plan contributions. View the following for more information. Puerto Rico 2016 - Time is Running Out Power Producer - Your Retirement Plan - [MetLife - Year End Cut Off Dates](https://financial-brokerage.com/metlife-year-end-cut-off-dates/) - 2015 Year-End Life New Business Deadlines for Third Party Distribution 2015 year-end new business deadlines are detailed in the attached document. Please note that life applications should be submitted in good order to the MetLife Tampa office by the specified deadlines to meet the cut-off dates for placing cases and to credit them to 2015 business. - [Mutual of Omaha - Express for November 11, 2015](https://financial-brokerage.com/mutual-of-omaha-express-for-november-11-2015/) - Mutual of Omaha has issued their latest newsletter. To view the Express, click here. - [North American - New Online Resource](https://financial-brokerage.com/north-american-new-online-resource/) - The Annuity Marketing Zone is a consolidation of the most popular and effective marketing pieces all in one convenient microsite. To view more details, click here. - [State Life - Rates](https://financial-brokerage.com/state-life-rates/) - State Life has issued the following bulletins: Care Solutions Interest Rate Notice - [North American - Premium Bonus Special Ending](https://financial-brokerage.com/north-american-premium-bonus-special-ending/) - Time is Running Out! The 2% Premium Bonus Increase on the NAC RetireChoice Fixed Index Annuity will end November 30, 2015. To view more details,click here. - [American National - WQ 5 Illustration Correction](https://financial-brokerage.com/american-national-wq-5-illustration-correction/) - The incorrect WQCD 5 rate was loaded into the LPES illustration software on November 1 as click here for details. - [Fidelity & Guaranty - Time is Running Out](https://financial-brokerage.com/idelity-guaranty-time-is-running-out/) - Qualification for FGL's Power Producer Conference Ends December 31, 2015 There are only two months left to qualify for the Fidelity & Guaranty Life Insurance Company 2016 Power Producer Conference being held at the St. Regis Bahia Beach in Puerto Rico! The St. Regis Bahia Beach is the only resort in Puerto Rico with five-diamond - [10 Year Revenue Stream](https://financial-brokerage.com/10-year-revenue-stream/) - Presented by Gary Peterson How would you like to have a revenue stream for 10 years? By referring good agents to Financial Brokerage, you can share in their production for 10 years. Check our web site www.fbinc.wpengine.com for more information or give Gary Peterson a call at 800-397-9999. - [November is Long Term Care Awareness Month](https://financial-brokerage.com/november-is-long-term-care-awareness-month/) - Presented by Tim Dreher The month of November is Long Term Care Awareness month and as we move into the holiday season, now may be an opportune time to begin that LTC conversation that you’ve been putting off with your clients! This is a time of the year when many families gather together to celebrate - [EquiTrust -DynaMARC Index Annuity Video](https://financial-brokerage.com/equitrust-dynamarc-index-annuity-video/) - Invest 4 minutes of your time to learn about this exciting new annuity and its underlying index. To view more details, click here. - [Mutual of Omaha - Express for November 4, 2015](https://financial-brokerage.com/mutual-of-omaha-express-for-november-4-2015/) - Mutual of Omaha has issued their latest newsletter. To view the Express, click here. - [National Western - The Sweet Sound of Double Credit](https://financial-brokerage.com/national-western-the-sweet-sound-of-double-credit/) - The sweet sound of Double Credit will help you hear the sweet serenade of the coqui. The trance-like melody these frogs produce enlivens the evenings and serenades islanders to sleep. Double your chances to qualify and double your chances to experience the coqui serenade by earning Double Credit for all life and annuity applications received - [Protective Life - Check Out the Rate Cap](https://financial-brokerage.com/protective-life-check-out-the-rate-cap/) - Annual Point-to-Point Interest Crediting Strategy Rate Cap for Contract Value of $100,000 or more 5.50% Rate effective November 3, 2015. Amounts allocated to this strategy earn interest in arrears based, in part on the performance of the S&P 500® Index. The interest credited is equal to the percentage change of the index up to the - [Transamerica - TransWeekly and LTC News](https://financial-brokerage.com/transamerica-transweekly-and-ltc-news-3/) - Transamerica has issued the following bulletins: * Finish Strong - Year End Sales Tips Webinar * New Simplified Process for NY Regulation 60 * LTC News * TransWeekly for November 4, 2015 The New Generation of Life Insurance Can Multitask Just like the smartphones of late, the financial services industry has evolved to provide multiple - [Assurity - Individual Product Releases](https://financial-brokerage.com/assurity-individual-product-releases/) - Joint Whole Life Product Application Form Update: Please be advised, Assurity has rolled out an updated Customer Identification Information Form with all Joint Whole Life product application packages, 02-551-05051 (R10-15). Individual Sales Authorization for List Bill Form Update: Please be advised, Assurity has rolled out an updated Individual Sales Authorization for List Bill form, 75-060-05055 (R10-15). - [Lincoln Financial - New Interest Rates](https://financial-brokerage.com/lincoln-financial-new-interest-rates/) - Lincoln Financial has issued their latest interest rates. To view the rates, click here. - [EquiTrust - Exciting Agent Travel Incentive](https://financial-brokerage.com/equitrust-exciting-agent-travel-incentive/) - A Great Adventure Awaits for you! Experience the breathtaking scenery of Banff National Park in Alberta, Canada. Two locations! Fairmont Banff Springs "Castle in the Rockies" and the historic Fairmont Chateau Lake Louise overlooking the glistening emerald lake. To view more details and to watch a video, click here. - [Protective Life - Protective Today Newsletter](https://financial-brokerage.com/protective-life-protective-today-newsletter/) - Protective Life has issued their latest newsletter. To view the Protective Today, click here. - [Voya - News You Can Use for October 30, 2015](https://financial-brokerage.com/voya-news-you-can-use-for-october-30-2015/) - Voya has issued their latest newsletter. To view the News You Can Use, click here. - [American National - The Independent Voice for November 2015](https://financial-brokerage.com/american-national-the-independent-voice-for-november-2015/) - American National has issued their latest newsletter including rates. To view the Independent Voice, click here. - [North American - News Update for October 30, 2015](https://financial-brokerage.com/north-american-news-update-for-october-30-2015/) - North American has issued their latest newsletter including November rates. To view the News Update, click here. - [Charitable Giving](https://financial-brokerage.com/charitable-giving/) - Presented by Jim Linn They may not be Rockefeller, Gates or Buffett, but they can still make a difference. How many of your clients are living on a fixed income? How many are currently contributing to a charitable organization on a weekly, monthly or annual basis? Why do they contribute week after week, month after - [Assurity - Upcoming Contests and Promotions](https://financial-brokerage.com/assurity-upcoming-contests-and-promotions/) - Assurity has issued information on their upcoming contests and promotions. To view more details, click here. - [Transamerica - TransWeekly and LTC News](https://financial-brokerage.com/transamerica-transweekly-and-ltc-news-2/) - TransWeekly and LTC News TransWeekly for October 28, 2015 PRODUCT DEVELOPMENT & MANAGEMENT Trendsetter LB Enhancements Trendsetter LB now has a new maximum face amount of $2,000,000 and qualifying clients will have the ability to accelerate up to the new maximum of $1,500,000 in the time of need due to a qualifying Chronic, Critical or - [EquiTrust - DynaMARC Approved in Mississippi](https://financial-brokerage.com/equitrust-dynamarc-approved-in-mississippi/) - Now Approved in Mississippi - DynaMARC Index Annuity Exciting Index Annuity with a Multi-Asset, Risk-Controlled Index! And NewDesign Income Rider! To view more details, click here. - [American Equity - Now is the Time for Guaranteed Income](https://financial-brokerage.com/american-equity-now-is-the-time-for-guaranteed-income/) - Don't Delay! Now is the Time for Guaranteed Lifetime Income! Looking into the near future, American Equity and other insurance carriers will adopt new mortality tables in January 2016. Although it is too early to predict what exactly those changes entail, this does indicate that guaranteed lifetime payments may never be this good again. This - [](https://financial-brokerage.com/4115-2/) - Fidelity & Guaranty has issued the following interest rate bulletins: Annuity Rates for November 2015 Annuity Rates for November 2015 in Lite States Life Rates for November 2015 Benefits of the Power Producer Program - [Mutual of Omaha - Express for October 28, 2015](https://financial-brokerage.com/mutual-of-omaha-express-for-october-28-2015/) - Mutual of Omaha has issued their latest newsletter. To view the Express, click here. - [American General - Rates and AG News for October 29, 2015](https://financial-brokerage.com/american-general-rates-and-ag-news-for-october-29-2015/) - American General has issued the following bulletins: Annuity Rates are Changing Effective Monday, November 2, 2015 Income Annuity Rates Will Decrease Monday, November 2, 2015 AG News for October 29, 2015 - [American National - Rate Change and Agent Alert](https://financial-brokerage.com/american-national-rate-change-and-agent-alert/) - American National has issued the following bulletins: Rate Change - Lock in October Rates Agent Alert - Revised Suitability Form Deadline - [Lincoln Financial Group - November Annuity Rates](https://financial-brokerage.com/lincoln-financial-group-november-annuity-rates/) - Lincoln Financial has issued the following November annuity rates; Income Annuity Rates for November 2015 Fixed Annuity Lincoln Leader - [Protective Life - Year End Guidelines and Schedule](https://financial-brokerage.com/protective-life-year-end-guidelines-and-schedule/) - Protective Life has issued their 2015 Holiday Schedule and Year End Processing Guidelines. To view more details, click here. - [Americo - Important Compliance Update](https://financial-brokerage.com/americo-important-compliance-update/) - Doing business the RIGHT way is the only way to do business. Americo is committed to helping you build your business in a compliant and ethical manner. Click on the link below for an important Compliance Update about "Doing the Right Thing", Important Notices and State Updates. Compliance Update - [North American - Changes Coming](https://financial-brokerage.com/north-american-changes-coming/) - North American has issued upcoming changes during the 4th quarter. To view the changes, click here. - [John Hancock - Introducing LTC Captivate 2.0](https://financial-brokerage.com/john-hancock-introducing-ltc-captivate-2-0/) - Introducing LTC Captivate 2.0 Since it was introduced, LTC Captivate has provided a convenient online way to educate clients, design a plan, and submit the application. John Hancock is pleased to announce a number of new enhancements, making LTC Captivate 2.0 even easier to use. To view more details and to register for upcoming webinars, - [National Western - The Score Newsletter](https://financial-brokerage.com/national-western-the-score-newsletter-2/) - 1% Commission Bonus The commission bonus now applies to annuity applications dated between August 15th and October 15th, and received in the Home Office by October 30th. Click here for full details. Website Update The National Western Life company website has undergone a facelift. National Western is pleased to bring you a more intuitive design. If you - [Leverage idle assets to increase legacies](https://financial-brokerage.com/leverage-idle-assets-to-increase-legacies/) - Presented by Brian Leising You may have clients approaching age 70 concerned that taking required minimum distributions will increase their tax exposure. They may not need the extra income and want to minimize their tax risk. This strategy featuring life insurance can help them reduce their tax exposure and create wealth for the next generation. - [American General - Rates, Webinars and Important Information](https://financial-brokerage.com/american-general-rates-webinars-and-important-information-2/) - American General has issued the following bulletins: Fixed Annuity Rates are Changing Additional State Add Suitability Requirements Annuity Webinar Calendar Listen to the ML Strategic Balanced Index Call Replay - [Lincoln Financial Group - MoneyGuard and OptiBlend Updates](https://financial-brokerage.com/lincoln-financial-group-moneyguard-and-optiblend-updates/) - If you have risk-averse clients or those nearing retirement, help them save more for the future with an annuity that combines safety, growth opportunities tied to market returns and these features. Learn more here. - [Great American - New Indexed Strategy for American Custom 10](https://financial-brokerage.com/great-american-new-indexed-strategy-for-american-custom-10/) - Great American is pleased to introduce a new indexed strategy available with the American Custom 10 fixed-indexed annuity. Effective October 21, 2015, the S&P 500 Risk Control Annual Point-to-Point with Participation Rate indexed strategy will be available for both new issues and renewals. To view more details, click here. - [Mutual of Omaha - Express for October 21, 2015](https://financial-brokerage.com/mutual-of-omaha-express-for-october-21-2015/) - Mutual of Omaha has issued their latest newsletter. To view the Express, click here. - [Principal Financial Group - IDI Underwriting Changes](https://financial-brokerage.com/principal-financial-group-idi-underwriting-changes/) - To help you finish 2015 strong and continue to sell more Individual Disability Income (DI) insurance long term, Principal Life Insurance Company has increased its Issue and Participation (I & P) limits. To view more details, click here. - [Assurity - Upcoming Conferences](https://financial-brokerage.com/assurity-upcoming-conferences/) - Assurity has issued the following bulletins: Hawaii Leaders' Conference Infographic 2017 Conference Location - Ireland - [North American - Important Information](https://financial-brokerage.com/north-american-important-information-4/) - North American Company for Life and Health Insurance® has issued the following bulletins: New Suitability Regulation for Maine and Tennessee New Product in Massachusetts New Product in Kentucky - [EquiTrust - Rate Change](https://financial-brokerage.com/equitrust-rate-change/) - Effective Friday, October 23, 2015 Current rates are applied to business received on or before Thursday, October 22, 2015, subject to a 60-day rate hold. Please note: EquiTrust will only accept FAXED applications on Thursday, October 22nd until 5:00 PM (Central). If faxed applications are received at EquiTrust by 5:00 PM (Central) on Thursday, October - [John Hancock - LTC Newslink for October 19, 2015](https://financial-brokerage.com/john-hancock-ltc-newslink-for-october-19-2015/) - John Hancock has issued their latest newsletter. To view the LTC Newslink, click here. - [Protective - Custom Choice UL Rate Changes](https://financial-brokerage.com/4075-2/) - Custom Choice UL Rate Changes Protective Life is committed to being a consistent, reliable and competitive life insurance carrier with universal life solutions that deliver more value to clients. As part of that promise, they're pleased to announce lower rates for Protective Custom Choice UL, a solution that meets both short-and long-term needs. Effective October 26, - [News You Can Use for October 16, 2015](https://financial-brokerage.com/news-you-can-use-for-october-16-2015/) - Voya has issued their latest newsletter. To view the News You Can Use, click here. - [Fidelity & Guaranty - Important Bulletins](https://financial-brokerage.com/fidelity-guaranty-important-bulletins-2/) - Fidelity & Guaranty has issued the following bulletins: Introducing a New and Improved Website Maine Annuity Suitability CE Training - [Are you working with Matures, Boomers, Gen X or Millennials?](https://financial-brokerage.com/are-you-working-with-matures-boomers-gen-x-or-millennials/) - Presented by Jim Linn Depending on your business, you could work with some, all or one of them specifically. Today, your clients are not a one size fits all selling process. What works for one, may not work for the others. Knowing about the market you are working in and the selling tactics related to - [New Referral Program - Create A Recurring Revenue Stream!](https://financial-brokerage.com/new-referral-program-create-a-recurring-revenue-stream/) - View Details - [Foresters - October Training Schedule and Be a Hero](https://financial-brokerage.com/foresters-october-training-schedule-and-be-a-hero/) - Foresters - October Training Schedule and Be a Hero Foresters has issued the following bulletins: * October Training Schedule * Be a Local Hero - [Mutual of Omaha - Express Newsletter and Important Information](https://financial-brokerage.com/mutual-of-omaha-express-newsletter-and-important-information/) - Mutual of Omaha - Express Newsletter and Important Information Mutual of Omaha has issued the following bulletins: * Express Newsletter for October 14, 2015 * Med Supp Fall Surge * Med Supp Fall Surge Video - [North American - Annuity Industry Changes Webinar](https://financial-brokerage.com/north-american-annuity-industry-changes-webinar/) - North American - Annuity Industry Changes Webinar Join in for an important live webcast to discover: * 2016 mortality table change and industry impact * What changes to expect from North American * Why NOW is the time to act! * NEW Microsite To view more details and to register, click here. - [Protective Life - Working with Couples Upcoming Webinars](https://financial-brokerage.com/protective-life-working-with-couples-upcoming-webinars/) - Protective Life - Working with Couples Upcoming Webinars If the answer makes you uneasy, Protective has a pair of webinars to help you focus on building more effective relationships with your couple clients. To view more details and to register, click here. - [State Life - Interest Rate Notice](https://financial-brokerage.com/state-life-interest-rate-notice-3/) - State Life - Interest Rate Notice In response to the current interest rate environment, new business interest rates for Annuity Care, Annuity Care II/III, and Indexed Annuity Care, will be decreasing effective Thursday, October 15, 2015. To view the rates, click here. - [Transamerica - TransWeekly Newsletter](https://financial-brokerage.com/transamerica-transweekly-newsletter-2/) - Transamerica - TransWeekly Newsletter for October 14, 2015 PRODUCT DEVELOPMENT & MANAGEMENT Last Chance to Enter Mr. Li Sweepstakes Time is running out to enter the Mr. Li Foreign Nationals Learn & Earn sweepstakes. While the module sweepstakes is closing, the Mr. Li video will remain available on the site. Click here to start learning, and for an opportunity to - [American General - AG News for October 15, 2015](https://financial-brokerage.com/american-general-ag-news-for-october-15-2015/) - American General - AG News for October 15, 2015 American General has issued their latest newsletter. To view the AG News, click here. - [Lincoln Financial Group - Competitive Services ONE Meeting](https://financial-brokerage.com/lincoln-financial-group-competitive-services-one-meeting/) - Lincoln Financial Group - Competitive Services ONE Meeting Greetings, We had tremendous interest in the recent Lincoln Competitive Services Group ONE webinar. So much so that some folks were unable to gain access. We thank those who participated and apologize to those who were unable to join us! With that in mind, I’ve attached a link - [Foresters - Important Information](https://financial-brokerage.com/foresters-important-information/) - Foresters - Important Information Foresters has issued the following bulletins: * Emergency Assistance - Flooding in South Carolina * Have You Forgotten Something? Legal Link and Everyday Money - [Protective Life - Updated Underwriting Guidelines](https://financial-brokerage.com/protective-life-updated-underwriting-guidelines/) - Protective Life - Updated Underwriting Guidelines Protective Life Insurance Company is pleased to announce an enhancement to their underwriting guidelines. The new guidelines will be applied to applications received October 12, 2015 and after. To view more details, click here. - [Fidelity & Guaranty - Commission Specials](https://financial-brokerage.com/fidelity-guaranty-commission-specials/) - Great news! For a limited time, fixed indexed annuity applications received on or after October 15, 2015 will receive a 50bps commission increase. Below is a listing of the applicable FIAs and the special commission for issue ages 0-75. Product Special Commission Rate Street Performance Pro® 8.00% Prosperity Elite® 7 5.00% Prosperity Elite® 10 - [American General - Rates and Important Information](https://financial-brokerage.com/american-general-rates-and-important-information-5/) - American General has issued the following bulletins: Fixed Annuity Rate Change New Applications, New Forms, Available Now In the Know Newsletter - [National Western - The Score Newsletter](https://financial-brokerage.com/national-western-the-score-newsletter/) - 1% Commission Bonus - Extended Again! The commission bonus now applies to annuity applications dated between August 15th and October 15th, and received in the Home Office by October 30th. Click here for full details. Interest Rate Change Interest Rates will change effective October 8, 2015. Please click here to see the rates effective through - [Transamerica - TransWeekly](https://financial-brokerage.com/transamerica-transweekly-3/) - AMB 3963 -- Arizona Replacement Arizona has enacted a replacement regulation that is based on the NAIC Life Insurance and Annuities Replacement Model Regulation. To view the AMB, click here. Or visit TransACT, click on Sales Tools and then on Agency Managers' and Compliance Bulletins under Resources. Then check the box for View All. FOREIGN - [Accordia Life - Conversion Update](https://financial-brokerage.com/accordia-life-conversion-update/) - Accordia is reaching out with a new update on their conversion process. October 7, 2015 Conversion Update - [American Equity - Higher Rates for Your Clients - Traditions Gold](https://financial-brokerage.com/american-equity-higher-rates-for-your-clients-traditions-gold/) - Monthly Average w/cap of 5.00% Annual Point to Point w/cap of 4.50% Monthly Average w/Participation Rate of 45% To view more details, click here. - [Do you have the tools to be successful this Medicare Annual Open Enrollment Period?](https://financial-brokerage.com/do-you-have-the-tools-to-be-successful-this-medicare-annual-open-enrollment-period/) - Presented by Michelle Daharsh Medicare’s Annual Enrollment Period (AEP) is one of the busiest times of the year for producers that work the senior market and it is right around the corner! Every year from October 15 – December 7, people enrolled in Medicare Advantage (MA) plans have the opportunity to dis-enroll from their current - [The Income Stream Death Benefit – Part Three](https://financial-brokerage.com/the-income-stream-death-benefit-part-three/) - Presented by Brian Leising I’d like to help you close more life insurance sales by showing how an income stream death benefit can help your clients save money and better understand how their coverage works. We will explore the problem in part one, present a money-saving solution in part two and simplify everything in part - [Fidelity & Guaranty - Important Updates](https://financial-brokerage.com/fidelity-guaranty-important-updates-3/) - Fidelity & Guaranty has issued the following bulletins: Help Take the Guessing Game Out of Income Planning Change in Statement in Lieu in California Delays in Wisconsin Agent Appointments Tennessee Annuity Suitability CE Training - [Express for October 7, 2015](https://financial-brokerage.com/express-for-october-7-2015/) - Mutual of Omaha has issued their latest newsletter. To view the Express, click here. - [Lincoln Financial Group - Five Opportunities with Treasury Indexed UL](https://financial-brokerage.com/lincoln-financial-group-five-opportunities-with-treasury-indexed-ul/) - If you have clients ages 35–65 who want affordable guaranteed protection and would like to capture the potential of rising 10-year Treasury yields,* recommend Lincoln Treasury Indexed UL. It’s the innovative indexed universal life policy with only one non-guaranteed component — the 10-year Treasury yield. To view more details, click here. - [North American - Important Updates](https://financial-brokerage.com/north-american-important-updates-5/) - North American has issued the following bulletins: North American News Prospecting and Presenting Videos - [Assurity - New Products](https://financial-brokerage.com/assurity-new-products/) - Assurity has issued the following bulletins regarding two new products: New Product Joint Whole Life is Here New Worksite Product - OneLife PRO - [John Hancock - LTC Newslink for October 5, 2015](https://financial-brokerage.com/john-hancock-ltc-newslink-for-october-5-2015/) - John Hancock has issued their latest newsletter. To view the LTC Newslink, click here. - [American National - Revised Suitability Form](https://financial-brokerage.com/american-national-revised-suitability-form/) - Effective 10/01/2015 – In effort to improve the suitability process, the Annuity Suitability Analysis / US Patriot Act Forms (Form 4465 and Form 4465-NJ) have been revised and are now available in Virtual Forms. American National will continue to accept Form 4465 and Form 4465-NJ with revision dates of 01-12 until 11/01/2015. After 11/01/2015, Form 4465 and - [Lincoln Financial - Fixed Annuity Rate Update](https://financial-brokerage.com/lincoln-financial-fixed-annuity-rate-update/) - To view the rates, click here. To view the Income Annuity Rates, click here. - [Transamerica - LTC News](https://financial-brokerage.com/transamerica-ltc-news/) - How Transamerica Secure Makes it Easier for You - Why get on board with Transamerica Secure? You’ll save time and effort while still providing a full-featured stand-alone policy to your clients. New PowerPoint & Flyer Educate Your Clients - New consumer educational materials give your clients an overview of long term care, the costs, and - [American Equity - New Riders Added to Guarantee Series](https://financial-brokerage.com/american-equity-new-riders-added-to-guarantee-series/) - New Riders Added to Guarantee Series American Equity is excited to announce the addition of the Nursing Care Rider* and Terminal Illness Rider* to the Guarantee Series (SPDA-MYGA). Effective October 1, 2015, the Nursing Care Rider and Terminal Illness Rider will be automatically included at no additional cost to eligible annuities issued to Annuitants ages 18-74. - [Principal Financial - The DI Family Plan](https://financial-brokerage.com/principal-financial-the-di-family-plan/) - Principal Life Insurance Company’s Affiliation Discount now lets you offer individual Disability Income (DI) coverage at a 10% discount to families when three or more income-earning adults purchase coverage. To view more details, click here. - [Protective Life - Today Newsletter](https://financial-brokerage.com/protective-life-today-newsletter/) - Protective Life has issued their latest newsletter. To view the Today Newsletter, click here. - [Transamerica - TransWeekly](https://financial-brokerage.com/transamerica-transweekly-2/) - TransWeekly COMPLIANCE Notice of Adverse Underwriting Decisions in Virginia The state of Virginia requires that Transamerica make producers aware of the company’s responsibility to provide a notice of adverse underwriting decisions (AUD) to insureds. Transamerica currently complies with this requirement, and the existing AUD notification process remains unchanged. To view the Administrative Letter, which states this - [Voya - News You Can Use for October 2, 2015](https://financial-brokerage.com/voya-news-you-can-use-for-october-2-2015/) - Voya has issued their latest newsletter. To view the News You Can Use, click here. - [Breakthrough Life Insurance Solutions That Make Sense for Today’s Generations](https://financial-brokerage.com/breakthrough-life-insurance-solutions-that-make-sense-for-todays-generations/) - Presented by Gary Peterson In today’s market, the middle class is in need of life insurance to protect their families. Assurity Life has introduced a product that is family oriented. Using a small permanent plan coupled with a term rider through their First to Die whole life will allow the couple to have protection in - [Life Insurance: Your Legacy of Love](https://financial-brokerage.com/life-insurance-your-legacy-of-love/) - Presented by Jim Linn Once in awhile I come across a sales idea, concept, video, etc., and feel it merits sharing. This is one of those pieces. This video summarizes the importance of what you do and opens the door to what is important to your clients. Don’t pay attention to the length of the - [Insuring a Spouse For Free with LTCi, (well almost)](https://financial-brokerage.com/insuring-a-spouse-for-free-with-ltci-well-almost/) - Presented by Tim Dreher Nearly every day while working with insurance producers, I get a request to run an LTCi illustration for an individual quote for a person whom is either married or has a domestic partner. In these situations, I always ask why we are not quoting the other spouse/partner. The answers that I - [The Income Stream Death Benefit – Part Two](https://financial-brokerage.com/the-income-stream-death-benefit-part-two/) - Presented by Brian Leising I’d like to help you close more life insurance sales by showing how an income stream death benefit can help your clients save money and better understand how their coverage works. We will explore the problem in part one, present a money-saving solution in part two and simplify everything in part - [North American has issued new MYGA interest rates.](https://financial-brokerage.com/3967-2/) - North American has issued new MYGA interest rates. To view the rates, click here. - [Prudential - Bonus Opportunity](https://financial-brokerage.com/prudential-bonus-opportunity/) - Summer may be over, but the fun doesn't have to end! Exciting news! We are extending the Founders Plus Bonus Program through the end of the year! This means you have another three months to earn an additional 20% bonus compensation on all new PruLife Founders Plus UL business you place. So far we've paid - [American National - The Independent Voice for October 2015](https://financial-brokerage.com/3965-2/) - American National has issued their latest newsletter. To view the Independent Voice, click here. - [Mutual of Omaha - Express and Important Information](https://financial-brokerage.com/mutual-of-omaha-express-and-important-information-4/) - Mutual of Omaha has issued the following bulletins: * Express for September 30, 2015 * Sales Professional Access Launch Delayed * Medicare Supplement Household Discount - [American General - Rates and Important Information](https://financial-brokerage.com/american-general-rates-and-important-information-4/) - American General has issued the following bulletins: * Index Annuity Rates are Changing Monday, October 5, 2015 * ML Strategic Balanced Index - [North American - Important Information](https://financial-brokerage.com/north-american-important-information-3/) - North American has issued the following bulletins: * New Product - Charter Plus * New Two Year Crediting Method and Volatility Control Index * Bill Harris Web Event - [American National - October Rates](https://financial-brokerage.com/american-national-october-rates/) - American National has issued the annuity rates for October. To view the rates, click here. - [National Western - The Score Newsletter for September 21, 2015](https://financial-brokerage.com/3960-2/) - Commission Bonus Extended For all of your hard work, National Western has EXTENDED the 1% commission bonus on annuity business! The commission bonus now applies to annuity applications dated between August 15th and September 30th! Click here for full details. Agent Procedure Manual The Agent Rules and Regulation manual has been revised. The layout has been updated - [Banner/William Penn - Administrative Update](https://financial-brokerage.com/bannerwilliam-penn-administrative-update/) - The payor relationship to the insured is one of the material considerations of whether to extend coverage: When a change is requested immediately following policy issue, a re-examination is required to assess whether an offer of insurance remains appropriate in light of the new payor profile. Effective September 28, 2015, payor changes after the underwriting decision will - [Upcoming Mortality Table Changes Will Lower Annuity Payouts - by David Corwin, Annuity Sales Manager](https://financial-brokerage.com/upcoming-mortality-table-changes-will-lower-annuity-payouts-by-david-corwin-annuity-sales-manager/) - [Are you selling the right product?](https://financial-brokerage.com/are-you-selling-the-right-product/) - Presented by David Corwin We are all financial professionals and our role is to fit the proper product and planning to the problem the client is trying to solve. When positioning an annuity, sometimes we think the product with the most options available is the proper tool, when often it’s not the best approach. Nothing - [The Income Stream Death Benefit – Part One](https://financial-brokerage.com/the-income-stream-death-benefit-part-one/) - Presented by Brian Leising I’d like to help you close more life insurance sales by showing how an income stream death benefit can help your clients save money and better understand how their coverage works. We will explore the problem in part one, present a money-saving solution in part two and simplify everything in part - [Savings Bank Life - New ZipApp](https://financial-brokerage.com/savings-bank-life-new-zipapp/) - ZipApp is Easy, Fast, and Free ZipApp™, SBLI’s streamlined online drop ticket solution, will be available in early October. ZipApp provides the ability to quote and submit a ticket faster and easier than ever before, and there are no setup or submission costs. Of course, a faster process means faster policy decisions and faster commissions! - [Lincoln Financial Group - Important Bulletins](https://financial-brokerage.com/lincoln-financial-group-important-bulletins-2/) - Lincoln Financial has issued the following bulletins: Questioning IUL Webinar Now in New York - The New Indexed IUL - [Assurity - Triangle Newsletter](https://financial-brokerage.com/assurity-triangle-newsletter/) - Assurity has issued their latest newsletter. To view the Triangle Newsletter, click here. - [Transamerica - TransWeekly and Important Information](https://financial-brokerage.com/transamerica-transweekly-and-important-information-2/) - PRODUCT DEVELOPMENT & MANAGEMENT New Form Required on All Universal, Term and Final Expense Products in CA A new Beneficiary/Additional Insured Information (BAII) supplemental form (DMF 2014) is required with applications on all Transamerica universal, term and Final Expense products. Note: TransNavigator® IUL does not require this new form. For state variations of the form, - [Foresters - Important Bulletins](https://financial-brokerage.com/foresters-important-bulletins/) - Foresters has issued the following bulletins: Foresters New Brand Name Your Stories - Boost Your Entries - [North American - Important Bulletins](https://financial-brokerage.com/north-american-important-bulletins-2/) - North American has issued the following bulletins: New North American Charter Plus Fixed Indexed Annuity New Volatility Control Index in Florida New Volatility Control Index in Vermont - [American General - AG News](https://financial-brokerage.com/american-general-ag-news/) - American General has issued the following bulletins: AG News for September 24, 2015 New Client Profile Form Requirement - [Americo - Rate Change Notice](https://financial-brokerage.com/americo-rate-change-notice/) - New Annuity Rates Effective September 29, 2015 The deadline to lock in current rates is September 28, 2015. Applications and money must be received in the Home Office by September 28, 2015, 5:00 P.M., Central, in order to lock in current rates. 1035 exchange and transfer money on applications received by end of day on September 28, - [Great American - The DOL Fiduciary Rule](https://financial-brokerage.com/great-american-the-dol-fiduciary-rule/) - The DOL Fiduciary Rule that was proposed on April 20, 2015 is one step closer to becoming final. Following a series of public hearings, the rule continues on a fast track and is anticipated to take effect in 2016, prior to the conclusion of the Obama administration. The proposed rule would change the definition of fiduciary - [John Hancock - LTC Newslink for September 21, 2015](https://financial-brokerage.com/john-hancock-ltc-newslink-for-september-21-2015/) - John Hancock has issued their latest newsletter. To view the LTC Newslink, click here. - [Lincoln Financial Group - Lincoln Leader Newsletter](https://financial-brokerage.com/lincoln-financial-group-lincoln-leader-newsletter/) - Lincoln Financial has issued their latest newsletter. To view the Lincoln Leader, click here. To view September rates, click here. - [Mutual of Omaha - Express for September 23, 2015](https://financial-brokerage.com/mutual-of-omaha-express-for-september-23-2015/) - Mutual of Omaha has issued their latest newsletter. To view the Express, click here. - [Real Benefits of an Index Annuity](https://financial-brokerage.com/real-benefits-of-an-index-annuity/) - Presented by Deb Strong Please look at the attached charts. If you have retirement funds invested in equities, remember how you felt in 2007-2009? Were you nervous? While you may understand that selling during market downturns goes against conventional wisdom, were you concerned about your future retirement security? Did you lose any sleep? I did! - [Jobs Growth = Life Insurance Opportunities](https://financial-brokerage.com/jobs-growth-life-insurance-opportunities/) - Presented by Brian Leising Looking for life insurance prospects? Follow the U.S. Department of Labor’s monthly jobs report to find your target markets. From the report for August 2015: “Total nonfarm payroll employment increased by 173,000 in August, and the unemployment rate edged down to 5.1 percent, the U.S. Bureau of Labor Statistics reported today. - [Mutual of Omaha - Express and Important Information](https://financial-brokerage.com/mutual-of-omaha-express-and-important-information-3/) - Mutual of Omaha - Express and Important Information Mutual of Omaha has issued the following bulletins: * Express for September 16, 2015 * Your Script for Submitting Med Supp Business During Fall Surge - [North American - New Volatility Control Index in Texas](https://financial-brokerage.com/north-american-new-volatility-control-index-in-texas/) - North American - New Volatility Control Index in Texas Effective September 29, 2015 in Texas, North American is excited to enhance the NAC RetireChoice and NAC IncomeChoice fixed index annuity series with a new index and crediting method. To view more details, click here. - [North American - Discover How to Address the Top Six Annuity Objections](https://financial-brokerage.com/north-american-discover-how-to-address-the-top-six-annuity-objections/) - North American - Discover How to Address the Top Six Annuity Objections If you attend this web event with Bill Harris, you can: * Discover how BIG Annuity Producers address objections * Get 2 Addressing Objection worksheets for the Point of Sale * Hear what to say when a prospect says, “ I want to - [Assurity - You're Invited Contest](https://financial-brokerage.com/assurity-youre-invited-contest/) - [Fidelity & Guaranty - Higher Income with FG Retirement Pro](https://financial-brokerage.com/fidelity-guaranty-higher-income-with-fg-retirement-pro/) - Fidelity & Guaranty - Higher Income with FG Retirement Pro Give your clients what they really want – higher income potential due to benefit base caps – with Fidelity & Guaranty Life’s FG Retirement Pro. To view more details, click here. - [Great American - eBusiness Platform](https://financial-brokerage.com/great-american-ebusiness-platform/) - Great American - eBusiness Platform Save time with Great American's eBusiness platform. Submitting new business electronically is a safe and simple way for you to: * Spend less time completing paperwork * Reduce Not in Good Order issues * Get policies issued faster To view more details, click here. - [EquiTrust - Important California Information](https://financial-brokerage.com/equitrust-important-california-information/) - EquiTrust - Important California Information Optional Rider for Certainty Select Not Available in California As a result of a new California regulation, the Certainty Select Optional Rider is no longer available in California effective October 1, 2015. Transition Rules * Pending sales of Optional Rider received before 10/1 will be issued. * The new Disclosure Statement (dated 10/15) is - [Americo - New eApplication Contest](https://financial-brokerage.com/americo-new-eapplication-contest/) - Americo - New eApplication Contest Earn $50 on your 1st submitted and paid Eagle Premier Series eApplication now through December 15, 2015. Plus, for every 5th submitted and paid eApp, you earn an additional $100! The more applications you place, the more CASH you earn! NO LIMIT! Bonus Total Payout 1st paid - [North American - Premium Bonus Increase Extended](https://financial-brokerage.com/north-american-premium-bonus-increase-extended/) - Premium Bonus Increase Extended GREAT NEWS! The 2% Premium Bonus Increase on the NAC RetireChoice Fixed Index Annuity has been extended through November 30, 2015. To view more details, click here. - [Benefits of Permanent Life Insurance](https://financial-brokerage.com/benefits-of-permanent-life-insurance/) - Presented by Gary Peterson Many of us look for the easy or quick sale. We forget that most of the public are not familiar with the many benefits permanent life insurance can offer. I saw that a study was done showing that most people believe that life insurance is used for Final Expenses and income - [Top 5 Reasons To Buy a Fixed Annuity](https://financial-brokerage.com/top-5-reasons-to-buy-a-fixed-annuity/) - Presented by Deb Strong Today more than ever, we all know clients that have had some money invested in the stock market in security products whom may have lost some of their principal. Why not talk to these clients about investing it in fixed annuities, to help them sleep at night. This will allow them - [When a LTC Rate Increase Occurs, How You React to it will determine your Client’s Next Move](https://financial-brokerage.com/when-a-ltc-rate-increase-occurs-how-you-react-to-it-will-determine-your-clients-next-move/) - Presented by Leonard Berthelsen Rate increases in any product line are never popular, nor are they a pleasant conversation with your client. Long term care insurance is especially difficult due to the fact that your client may be considerably older now than when they originally purchased their policy. That distance between purchase time and now - [Laddering Life Insurance](https://financial-brokerage.com/laddering-life-insurance/) - Presented by Brian Leising Laddering is a way to save your clients money on life insurance and give them exactly the amount of coverage they need at the exact time they need it. Instead of one policy covering multiple needs, your clients will have a separate policy for each need. How does this work? Let - [Badmouthing the Competition](https://financial-brokerage.com/badmouthing-the-competition/) - Presented by Jim Linn When you throw dirt, you lose ground! We have all been faced with a client that was unhappy with a previous advisor or carrier and voiced their concern. In trying to identify with the client you may have the urge to side with or even join in with your own two - [John Hancock - LTC Newslink for September 8, 2015](https://financial-brokerage.com/john-hancock-ltc-newslink-for-september-8-2015/) - John Hancock has issued their latest newsletter. To view the LTC Newslink, click here. - [Voya - News You Can Use](https://financial-brokerage.com/voya-news-you-can-use-3/) - Voya has issued their latest newsletter. To view the News You Can Use, click here. - [Leave-On Money](https://financial-brokerage.com/leave-on-money/) - Presented by Brian Leising You can’t take it with you, but you can maximize what you leave behind How many of your clients have “leave-on” money, funds they don’t need to live on but to pass on? What kind of advice have you been able to give them on this money? What commissions have you - [EquiTrust - New DynaMARC Index Annuity and Georgia Agent Training](https://financial-brokerage.com/equitrust-new-dynamarc-index-annuity-and-georgia-agent-training/) - It's Here! - DynaMARC Index Annuity Exciting Index Annuity with a Multi-Asset, Risk-Controlled Index! And New-Design Income Rider! To view more details, click here. Georgia Agent Training Georgia annuity producers must complete 4 hours of General Annuity Training CE credits (provided by a state-approved training vendor) in addition to the EquiTrust product-training requirement already in effect. To view - [Transamerica - TransWeekly Newsletter and Important Information](https://financial-brokerage.com/transamerica-transweekly-newsletter-and-important-information/) - Transamerica - TransWeekly Newsletter and Important Information TransWeekly Newsletter for September 2, 2015 Commission Bonus on Your Next IUL Case New Application for North Carolina - [Using the Affordable Care Act to your Advantage](https://financial-brokerage.com/using-the-affordable-care-act-to-your-advantage/) - Presented by Leonard Berthelsen It really doesn’t matter which side of the fence you’re on when talking about the Affordable Care Act (ACA). There are opportunities for just about everyone in our business. If you sell individual major medical coverage, you’ve probably found a way to embrace the new way of selling and dealt with - [American General - Rates and Important Information](https://financial-brokerage.com/american-general-rates-and-important-information-3/) - American General has issued the following bulletins: Income Annuity Rates will Increase on Tuesday, September 8, 2015 Annuity Rates are Changing Service Improvement Plan Underway In the Know Newsletter - [Protective - Newsletter for August 31, 2015](https://financial-brokerage.com/protective-newsletter-for-august-31-2015/) - Protective has issued their latest newsletter. To view the issue, click here. - [Mutual of Omaha - Express for September 2, 2015](https://financial-brokerage.com/mutual-of-omaha-express-for-september-2-2015/) - Mutual of Omaha has issued their latest newsletter. To view the Express, click here. - [North American - Product Enhancement](https://financial-brokerage.com/north-american-product-enhancement/) - Multi-year crediting methods have become a popular alternative for clients seeking the potential for stronger upside growth. North American is enhancing the NAC RetireChoice and NAC IncomeChoice fixed index annuities with the addition of a new innovative crediting method and index: To view more details, click here. - [Athene - Important Updates](https://financial-brokerage.com/athene-important-updates/) - Athene has issued the following bulletins: * Iowa Annuity Rates * TargetHorizon Commission Bonus * Improved Deferred Annuity Application - [Great American - Fixed Indexed Annuity Renewal Process and Business Updates](https://financial-brokerage.com/great-american-fixed-indexed-annuity-renewal-process-and-business-updates/) - Fixed Indexed Annuity Renewal Process Do you have clients whose fixed-indexed annuities are nearing renewal? This consumer-friendly video can help them understand how the renewal process works. In the video, clients will learn what options they have upon renewal, and how their actions may affect future renewals. To view more details, click here. New Business - [Lincoln Financial Group - New California Approval](https://financial-brokerage.com/lincoln-financial-group-new-california-approval/) - Now California residents can have all the advantages of the latest generation of Lincoln MoneyGuard solutions. As of August 31, 2015, Lincoln MoneyGuard II replaced Lincoln MoneyGuard Reserve Plus. To view more details, click here. - [American National - The Independent Voice with September Rates](https://financial-brokerage.com/american-national-the-independent-voice-with-september-rates/) - American National has issued their latest newsletter. To view the Independent Voice, click here. - [Lincoln Benefit - Indexed Universal Life Illustration Changes](https://financial-brokerage.com/lincoln-benefit-indexed-universal-life-illustration-changes/) - The National Association of Insurance Commissioners adopted the new Actuarial Guideline 49 (AG 49), which provides standardized requirements for calculating maximum illustrated rates for indexed universal life (IUL) policies. The new requirements also impact illustrations where the policy has a loan. Lincoln Benefit Life (LBL) will implement the new requirements for all Ultra Index illustrations - [Lincoln Financial - Reminder - Rate Change](https://financial-brokerage.com/lincoln-financial-reminder-rate-change/) - Please review the current rates for September 1, 2015 Fixed annuity rates are effective 9/1/15. Applications received on or after 9/1/15 will use the rates below. Rate notices National - Fixed Rates New York Income Annuity Rates Rate lock procedures For specific rate lock procedures, visit LFD.com or click here. Note: Indexed annuities are issued four - [North American - Important Updates](https://financial-brokerage.com/north-american-important-updates-4/) - North American has issued the following bulletins: * New Product Enhancement * Benefit Solutions Available in California - [Women Need Insurance Too](https://financial-brokerage.com/women-need-insurance-too/) - Presented by Gary Peterson If you are looking for prospects, look no further than your own client base. A recent study found that about half of adult women do not have any life insurance. And the women who do have insurance only have $128,000 on average. No matter if you are offering life, health or - [Life Insurance Awareness Month](https://financial-brokerage.com/life-insurance-awareness-month/) - Presented by Jim Linn September 1, 2015, does not just mark the start of a new month. It kicks off Life Insurance Awareness Month (LIAM). Each year the LifeHappens.org foundation presents a new spokesperson and featured articles you can use with your clients and prospects. Below is a link to a short video by Anthony - [The Greatest Threat to Retirement Assets](https://financial-brokerage.com/the-greatest-threat-to-retirement-assets/) - Presented by Brian Leising (HINT: It’s not the stock market!) How many of your clients have protected their assets from the greatest threat they face in retirement, the high costs of extended care? What happens to clients and their families with no protection from this risk? What excuses do clients give for not taking action - [Transamerica - TransWeekly and Important Information](https://financial-brokerage.com/transamerica-transweekly-and-important-information/) - Transamerica has issued the following bulletins: * TransWeekly Newsletter for August 26, 2015 * Earn a 10% Commission Bonus - [AXA Equitable - Life Communications for August 25, 2015](https://financial-brokerage.com/axa-equitable-life-communications-for-august-25-2015/) - AXA Equitable has issued their latest newsletter. To view the Life Communications, click here. - [North American - News Update](https://financial-brokerage.com/north-american-news-update-2/) - North American has issued their latest newsletter. To view the North American News, click here. - [American General - Rates and AG News for August 27, 2015](https://financial-brokerage.com/american-general-rates-and-ag-news-for-august-27-2015/) - American General has issued the following bulletins: * Income Annuity Payout Rates Decreasing * AG News for August 27, 2015 - [American National - Agent Alert for August 26, 2015](https://financial-brokerage.com/american-national-agent-alert-for-august-26-2015/) - American National has issued the following bulletin. To view the Agent Alert, click here. - [Protective Life - California Claims Handling Requirements](https://financial-brokerage.com/protective-life-california-claims-handling-requirements/) - Protective Life is providing you this important notice to make sure you are aware of claims handling requirements in California. As directed by subsection 2695.5(d) of the California Fair Claims Settlement Act, all agents licensed within the state of California are required to immediately forward notice of all claims received to the insurer. In accordance - [Athene - Legal and Compliance News](https://financial-brokerage.com/athene-legal-and-compliance-news/) - Please use this information to help you stay current on new laws and compliance topics that are in effect or coming soon. Full text versions of the new law summaries are available for download. Remember, it is your obligation to know the laws and regulations of any state in which you conduct business. To view - [American National - IUL Illustration Changes and Upcoming Webinar](https://financial-brokerage.com/american-national-iul-illustration-changes-and-upcoming-webinar/) - American National has issued the following bulletins: * Rate Change * IUL Illustration Changes * Live e-App Demonstration - [Lincoln Financial Group - Fixed Annuity Rates Update](https://financial-brokerage.com/lincoln-financial-group-fixed-annuity-rates-update/) - Lincoln fixed annuity rate announcement Please review the current rates for September 1, 2015 Fixed annuity rates are effective 9/1/15. Applications received on or after 9/1/15 will use the rates below. Rate notices National New York Rate lock procedures Fixed non-indexed rate lock procedure Indexed annuity rate lock procedure Income annuity rate lock procedure OptiChoice NY - [Foresters - Easier App Management](https://financial-brokerage.com/foresters-easier-app-management/) - Paper app or electronic app? Good news! 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The new Maximum Illustrated Rates are as follows: Prior to 9/1/2015 Effective 9/1/2015 S&P 500®Index Account 7.66% 6.86% Global Index Account 9.03% 6.86% S&P 500®Index - [Fidelity & Guaranty - Maximum Variable Loan Rate Increase](https://financial-brokerage.com/fidelity-guaranty-maximum-variable-loan-rate-increase/) - Effective September 1, 2015, Fidelity & Guaranty is increasing their maximum guaranteed variable loan rates on the FG Life-Elite and FG Life-Choice. Even with these changes, they still offer two of the most competitive maximum guaranteed variable loan rates in the FIUL marketplace. To view more details, click here. - [Great American Life - New Illustration Software](https://financial-brokerage.com/great-american-life-new-illustration-software/) - Showing your clients how a fixed-indexed annuity fits into their retirement portfolio is easier than ever with Great American’s new illustration software! Convenient summary page that lets you find key values quickly Easy-to-navigate format with a table of contents, callouts and headers Reader-friendly tablesand graphs that provide a detailed look at guaranteed and historical values - [John Hancock - LTC Newslink for August 24, 2015](https://financial-brokerage.com/john-hancock-ltc-newslink-for-august-24-2015/) - John Hancock has issued their latest newsletter. To view the LTC Newslink, click here. - [Tripler Benefit](https://financial-brokerage.com/tripler-benefit/) - Presented by Deb Strong We all have clients that will need additional income now or who can wait a little later. One thing we might hear from our clients is that they do not want to pay a fee for having this option available to them. We have a rider that can offer your client - [What has 80 years of Social Security taught us?](https://financial-brokerage.com/what-has-80-years-of-social-security-taught-us/) - Presented by Leonard Berthelsen Looking back on the eighty years since the creation of Social Security, the idea of retirement has changed for many of us, and in some respects, not changed anything at all for others. Understanding that in 1935 when Social Security was established, there weren’t many opportunities for workers to save for - [Fixed Index Annuities: Sales growing, products evolving!](https://financial-brokerage.com/fixed-index-annuities-sales-growing-products-evolving/) - Presented by Richard Mangiameli For the first time, FIAs accounted for more than 50% of the market share for all annuity sales! Not only did sales reach over $48 billion in 2014, they are also gaining popularity in the “Broker-Dealer” channel. FIAs totaled 10% of the total broker-dealer annuity sales in 2014, and broker-dealers expect - [MYTH: “I won’t need life insurance when I retire.”](https://financial-brokerage.com/myth-i-wont-need-life-insurance-when-i-retire-4/) - Presented by Brian Leising Four responses you can use with your clients. 4- Really? So, that means you love the government more than you love your family? Did you know your money can go three places when you die? Your family, charity, or the government. Even if you will all your assets to your family, - [Athene - Ratings Upgrade Video](https://financial-brokerage.com/athene-ratings-upgrade-video/) - All three rating agencies that cover Athene – A.M. Best, Standard & Poor's (S&P) and Fitch – have issued an "A-" rating to Athene’s operating companies. These rating agencies provide an independent assessment of the financial strength, and their "A-" ratings serve as a testament to Athene's strong financial and capital position. To view more details, click here. - [Great American - Reminder - Interest Rate Decrease and Fiduciary Rule](https://financial-brokerage.com/great-american-reminder-interest-rate-decrease-and-fiduciary-rule/) - Please remember interest rates are decreasing for the following fixed-indexed annuities effective August 21, 2015: * Safe Return * Safe Outlook * American Legend III * American Custom 10 * American Valor 10 Cash with Application/Wire In order to receive the higher rate, applications with checks must be received in the Home Office by 5:00 p.m. - [Mutual of Omaha - Express for August 19, 2015](https://financial-brokerage.com/mutual-of-omaha-express-for-august-19-2015/) - Mutual of Omaha has issued their latest newsletter. To view the Express, click here. - [AXA Equitable - Life Communications for August 18, 2015](https://financial-brokerage.com/axa-equitable-life-communications-for-august-18-2015/) - AXA Equitable has issued their latest newsletter. 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