March 5, 2025

This Week's Highlights & Events

Webinar: Expand Your Practice With Annuities

This afternoon, March 3rd at 2:00 pm Central

Join Ronnie Russell, Regional Sales Manager with American National, as he breaks down how to leverage annuities to grow your business and meet client needs. With Baby Boomers holding over 50% of wealth and $2 trillion in annuities coming out of surrender, now is the time to position these solutions effectively.

What You’ll Learn:

The growing market demand for annuities
How fixed and indexed annuities fit into financial strategies
Overview of ANICO’s annuity portfolio (FIA, MYG & SPIA)
Best practices for positioning annuities with clients

Life Insurance

Join Samuel Mimbs and Nancy Fahy as we kick off a series of webinars highlighting how we’re evolving to meet your needs.

Banner Life Insurance has new OPTerm level term rates effective, 2/13/2025 for our existing OPTerm Level Premium Plans and Term Riders. No changes were made to William Penn (NY).

Stay In The Loop. Check out our latest edition:

We're updating rates on select products
Flexible term coverage tailored for clients
Keep momentum going as Insure Your Love month wraps up
Download 2024 tax documents now — secure, easy and online

Wondering how to use PL Promise' life insurance products with your clients? Check out our sales idea you can put to work today to help grow your client relationships and unlock new opportunities.

See how you can use PL Promise CUL to help meet your clients’ changing needs.

Check out our Quarterly Market Update - 2025 Market Outlook.

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

Move Sales Ahead: Using Our Backcasting Tool.

Do you have a client with a special needs child? Don’t let them leave the care of that child to chance. Help them plan today for a secure tomorrow. View our white paper on life insurance and special needs trusts.

How do you best help a client who is on a budget but may need lifelong protection? By allowing for a term conversion with our Nautical Term. Set up affordable term coverage today with the option to convert to permanent IUL in the future.

Empower women to control their financial future.

What can paying an extra $3 a day into an IUL policy premium do for your clients?

Check out the latest edition of In The Know.

Leverage the secret to cap rate stability for your IUL clients.

Get more with LifeCare from John Hancock.

Check out Living Longer. Healthier. Better. — a quarterly newsletter designed to keep you up to date on the exciting work happening across our insurance business.

Help clients protect and fund their future at the same time. Give clients a competitive accumulation option they can depend on with our enhanced Eclipse Accumulator II Indexed Universal Life product. It offers immediate protection while keeping charges low to allow for accumulation potential and market resiliency.

Apex VUL adds seven new funds. Check out the Apex VUL Investor Guide & the new Fund flyer to learn more about the investment options available to clients.

Check out the latest Symetra Sales Flash:

SwiftTerm ® replaces Symetra Term for lower face amounts
Maximize policy growth potential with the help of a globally recognized index
Highlighting National Cancer Prevention Month in February
Symetra’s high-net-worth foreign national marketplace goes digital
Private split-dollar arrangements: An efficient way to transfer family wealth

Help clients navigate the financial burden of cancer.

Guide clients in unlocking the power of cash value life insurance and help them understand how it provides death benefit protection while offering the potential to accumulate cash value. This cash value can increase the death benefit and can also be accessed to help supplement retirement income and cover expenses such as college tuition, health care costs, and more.
Activate your latest sales idea by using the sales kit on the Trimester Sales Strategies site

Discover the Protection series, consisting of two products, Signature Protection IUL and Signature Protection Plus IUL. Both provide cash value accumulation potential, with each providing unique offerings that can be utilized in different ways.

Explore the newly designed Plan for Life brochure and discover how unexpected events can challenge your clients’ financial stability.

Read: The Health Download: Q1 2025.

Help clients save their hard-earned savings...

To help you better meet your goals and serve families with the right insurance solutions, we're introducing important updates to persistency requirements for simplified issue products-effective March 2025.

Fall in love with learning
Register today to maximize the benefits of our comprehensive portfolio. Select sessions are also presented in Mandarin and Spanish.

Product deep dives
Uncovering sales opportunities
Advanced Sales concepts including CPE credit-eligible training
Retirement Sales strategies and best practices
Running and using illustrations (from basic to advanced design)
Field underwriting and best practices for app submission
New agent introduction to doing business with National Life Agent Portal

New year, new product, potential for new life insurance needs. It's the perfect time to reach out to clients to discuss life changes or see if you can help upgrade their current policy to one with living benefits. Order postcards from North American with your name and contact information to start the conversation.

Discover the new, secure process for submitting and retrieving inforce policy documents. This process will protect sensitive information, ensure faster processing, and provide convenient access through the Agent Portal starting March 17.

Take a look at the latest issue of The Lincoln Leader with the following articles:

Lincoln DesignIT Illustration Updates
ICYMI: Pricing Update - Lincoln LifeElements and Lincoln TermAcel
Enhanced safety measures for Lincoln's websites
Updated web content helps clients prepare for 2024 tax season
And more...

Help your clients' coverage keep pace with business growth.

Get the latest about our life insurance products and new business and underwriting services to help you effectively write, submit, and place your business.

Underwriting & New Business

Use Agile Underwriting+ with our IULs providing a faster lab-free path to up to $2M in meaningful coverage and potentially valuable supplemental retirement income.

Simplifying the MassMutual underwriting experience and streamlining paperwork.

Advanced Markets

Unlock the potential of Business Valuations...

Join the Advanced Markets team as we talk through RISR - the recently launched comprehensive business owner engagement platform.

Resources designed to make an impact...

Win in this market. Win in all the markets.

Beyond the Basic: Advanced Uses for Life Insurance. Save your spot for our next Spotlight Series event.

Hybrid Products, LTC & DI

Increase disability benefits without medical underwriting.

Important Update: LTC13 Pre-Rate Refresh Increase Information.

Reminder: Updated claims flyer, focus on comprehensive policy stats for Long-Term Care.

Asset Care 2024 in 2025. As your new One America Financial Account Management team we're kicking of the year by making sure all our key distribution partners have all the tools needed while we continue our Asset Care 2024 product rollout.

California Life Training Requirement - New life insurance training is required. Please review the corporate compliance bulletin for details.

Rates for some OneAmerica Financial company products changed February 15. Review the rate changes that recently took effect.

Annuity Solutions

3 Steps to a Better Retirement Income Plan Guarantee

An important part of the retirement income planning process is to organize thoughts around cash flow needs and whether or not the spending is essential or non-essential. A good place to start with this approach, is by running finances through an income hierarchy chart. This can help map out the different expenses you might expect (as well as those you may not) throughout retirement. Use our guide to help your clients build a better retirement income plan.

Guarantees. Every step of the way.

As you help your clients navigate life's ups and downs, ensuring financial security for their tomorrows becomes paramount. That is why we are proud to present VantagePoint – a multi-year guaranteed annuity (MYGA) product that offers a unique combination of safety and guarantees every step of the way. The VantagePoint MYGA offers fixed-rate returns over multiple years, keeping your clients on track despite any market fluctuations and ensuring a steady income stream. Explore rates and resources.

Simplicity with Upside Potential

American National’s Rate Certainty Annuity focuses on a single index - the S&P 500 Dynamic Intraday TCA Index with 4 accumulation-focused crediting strategies. See how this this product stands apart, with 3 performance trigger strategies using just one S&P Index. Rate Certainty Annuity simply and safely puts your clients in the driver's seat of their financial future.