November 20, 2024

This Week's Highlights & Events

Webinar: ANICO Launches FIA Product with No Renewal Rate Risks

Wednesday, November 20, 2:00 pm Central

Join Ronnie Russell from American National for an in-depth session on American National's Rate Certainty Annuity (RCA) 7, 10, and 20, designed to balance growth potential with predictable security. Discover how RCAs use the S&P 500 Dynamic Intraday TCA Index to enhance growth while providing flexibility with various crediting strategies and rate guarantees.

Gain insights on surrender options, waiver features, and how these annuities can fit into client portfolios for long-term stability and growth.

Life Insurance

Offer term clients future protection and fill coverage gaps with our conversion rider.

As of December 31, 2024, new sales of Protective Custom Choice UL will be discontinued. We are pleased to offer a comprehensive alternative: Protective Classic Choice term and the optional Conversion Choice rider with ExtendCare. Here are our top sales ideas for CCUL:

Where Does PL Promise GUL Fit with Your Clients?

It’s National Long-Term Care Awareness Month. What better time than now to bring up chronic illness protection — available with PL Promise GUL — with your clients.

Find the appropriate product for your clients’ needs with the help of our handy flyer.

Register for our November In the K.N.O.W. event - Put Illustrations with Impact to work for you.

Estimate and compare the future value difference between a taxable product and a tax-deferred product.

Reminder: Annual Advertising Notice.

Get the Guide: Navigate Business Replacements.

Unmask our valuable tool for older clients.

Florida Fact: Annual Churning Notice. It’s a Florida fact. The NAIC requires all Florida resident and non-resident agents to be informed annually regarding churning. Please review the notice.

Check out out redesigned Policy Highlights page of Max Accumulator+ III and Value+ Protector III's illustrations. Now the Policy Highlights pages map out key benefits based on different life stages or scenarios of the insured.

Max Accumulator+ III Updated with Enhanced Income Potential!

Help support our heroes...

Discover the science of aging with Dr. Andrew Steele on the latest episode of Longer. Healthier. Better.

Join us for a live webinar where we will discuss ways to address long-term care and longevity planning with high-net-worth clients.

Have you heard the news?

New SVEA enhancements now available in even more states - take a look.

Help protect and fund your client’s future. See the 3 top reasons to recommend Eclipse Accumulator IUL.

See the new reasons for you to consider MassMutual Disability Income (DI) insurance. MassMutual DI announces occupational class upgrades and new underwriting enhancements.

Multiple ownership options now available on SwiftTerm - check it out...

Check out the latest enhancements available as of November 8, 2024 on Symetra's IUL products.

Learn what's new in Life Essentials...

Knowing today’s risks is key, but effectively managing them means helping protect against tomorrow’s unforeseen financial risks. You’ll be able to empower clients to understand how life insurance, with its death benefit, can help provide protection for today and flexible
options for the future. Engage the sales kit on our Trimester Sales Strategies site and put this sales idea into action.

November is Alzheimer’s Awareness Month, a critical time to highlight the emotional and financial challenges faced by those impacted by Alzheimer’s. With nearly 6.7 million Americans affected—and numbers projected to rise—there’s a growing need for early planning, especially around long-term care. National Life’s resources, including living benefits, help families prepare financially for the future, alleviating some of the caregiving burden. This month, take the opportunity to educate clients on options that can safeguard their financial well-being.

Get Ready - We're Dropping Knowledge...

Find out the many ways your client can customize their Life Protection Advantage policy to best fit their unique life insurance needs.

Effective January 1, 2025, the sale of the Guaranteed ADvantage will be discontinued in the state of New Mexico.

Stay ahead of fraud.

Have you thought of this IUL strategy?

Create a legacy with Smart Builder IUL 3.

Did you know that clients are more likely to make decisions when they’re presented with options? The next time you’re talking about solutions, be sure to show a few. Oh, and speaking of options, let’s talk about one product that is full of optionality: Lincoln AssetEdge® VUL. This solution offers access to over 75 investment options, 4 indexed accounts, a death benefit guarantee (for 20 years or up to age 70), optional rider options and the flexibility to meet a multitude of client goals. Want to hear more about how adding options can benefit clients and your business?

Submit your questions for a Q&A with our VP.

Cut the checks - switch to ACH for faster payments...

Check out our most recent webinar on LGA's latest interactive tool, now available.

Estate Planning in an Uncertain Tax Environment.

Private Switch Dollar using an ILIT.

Underwriting & New Business

Close more cases before year end with John Hancock Underwriting.

Skip the lab work and get business issued faster.

We want to help you with your large cases. We have a Large Case Underwriting Team dedicated to providing a concierge level of service for your larger life insurance cases. The team provides the efficient and detailed attention your large cases deserve when going through the application and underwriting process. Find out how the Large Case Underwriting Team helped process a $65 million dollar case in record time - only 13 days.

Advanced Markets

Get the edge on estate planning. Join us December 12, 2024. Select the time the best fits your schedule:

12:30 pm Eastern

3:00 pm Eastern

By understanding the extra challenges families with special needs individuals face, you can help them prepare for their financial future with a personalized estate plan. Parents welcome your advice so they can ensure their love lives on. Join the Securian Financial Advanced Sales Team for a live webinar on the virtues and benefits of this relatively untapped market.

View our dedicated resources on estate planning for individuals with special needs.

Hybrid Products & LTC

Hear from Carrie Hartgen, Vice President of State Government Relations on the latest legislative and regulatory updates affecting long-term care (LTC) services and programs. We cover what’s going on at the state level with proposed programs in California, Washington state, and Minnesota, as well as what’s happening with states currently studying the possible impact of future LTC needs. Get up-to-date information, plus insights into what effect an election year is having on these legislative and regulatory activities.

Check out some social media post ideas that some top producers are having success using. The attached item has both text ideas and link, a simple plug and play.

Read our Care Solutions News.

Long-term Care Awareness is an excellent opportunity to help spread awareness while simultaneously reminding your agents and prospects that your firm can help them solve this growing client concern. See below for several recent articles you can use in efforts:

Are you neglecting these LTC prospects?

Unlock successful LTC conversations.

New chronic illness coverage options now available in CA...

As we continue to celebrate Long-Term Care Insurance Awareness Month, we want to remind you of the valuable resources available to help you engage clients and prospects.

Check out the replay of our National Long-Term Care Awareness Month webinar in partnership with CLTC.

Annuity Solutions

Training Webinar for Luma's innovative platform.

Reserve your seat. This will provide resources to our advisors to save you time and grow your business. You will have access to Luma's full suite of assets, from learning about the various products, selecting products from a wide range of options, and the ability to assess product performance based on data and analytics. You will be able to easily and instantly compare annuities to find what works best for your clients, all directly through the Luma platform.

Luma's technology will integrate directly with our current applications to provide a seamless transition to the platform.

Have you had conversations with clients about Roth IRAs and converting money over from their Traditional IRA? Good news — EquiTrust makes it easy. View our flyer to learn more.