For the week of October 7, 2019

Curated News from IDA’sCore Carriers

Enhanced Savings for SubstandardRisks John Hancock Vitality can help clients withsubstandard ratings get the coverage theyneed and help them improve their health.Based on the success stories, we’re makingsome adjustments that will allow even moresavings! Get the details. JH Solutions Custom Illustrations NowFeaturing Non-Equity CollateralAssignment Split Dollar Check out the newly updated Split Dollarmodule. Remember, you can always callAdvanced Markets at 888-266-7498, option3, to get a customized proposal for yournext client. Updated Benefit Better Site with NewInteractive Calculator Check out our Benefit Better site which nowincludes an interactive calculator to help

illustrate how an Executive Bonus planmight work. Take a look!

What is a Key Person Plan? In today’s competitive world,attracting/retaining key employees can becritical to the success of an enterprise.Therefore, finding a cost-efficient, simple-to-administer method of rewarding selectemployees is important. Click here to learnmore. Term Exchange Program Do you have clients with term policies thatare no longer meeting their needs, or dothey wish to convert their policies but theircurrent carrier has restrictions? LafayetteLife may have a solution for you! Find outmore here. WL or IUL as an Asset Class: The Casefor WL When deciding between competingproducts, rates of return often don’t tell thewhole story. Planning considerations, aclient’s appetite for risk, product nuancesand asset class diversification must beconsidered. Join Advanced Markets AVPMichael Buckner, CLU, ChFC, RICP, CPC,QPA, QKA at 11:30 AM EDT on October 10,for a discussion in which he will present thecase for WL.

Webinar Replay: Enhancements to

Symetra’s Marijuana UnderwritingGuidelines and HNWFN Market Program If you missed our “Enhancements toSymetra’s marijuana underwritingguidelines and HNWFN market program”webinar on Sept. 12, you can now view thereplay. Symetra’s underwriting andmulticultural markets team leadersreviewed these important marketplaceenhancements and discussed salesopportunities. Catch up today Updated Brochure: How IUL Featuresand Performance can Affect FutureDistributions IUL products can help your clients createsupplemental retirement income byaccessing policy value growth through tax-free policy loans/withdrawals. But, with allthe moving parts of some IUL products,what are the chances the policy will performas illustrated? Our recently updatedbrochure highlights a range of hypotheticalscenarios that look at the effect productdesign and performance can have on futuredistributions.

A Convenient Application Process forYou and Your Clients Securian Financial’s Advantage Elite Selectnow offers Drop Ticket on iPipeline! Providebasic client information and we’ll take careof the rest. With Drop Ticket you get:

Client exams scheduled for you24-hour approval for clients whoqualify for our WriteFit Underwritingprogram

Policy delivery in a matter of days witheDelivery

Give your clients this flyer to help themknow what they can expect after theirapplication is submitted. 2017 CSO Updates: Important Dates andTransition Timelines In an effort to streamline our productofferings and launch new, innovative, 2017CSO life insurance products, there will besome changes to our product lineupthrough the end of the year (2019). Loginhere for a summary of current products andcorresponding replacements andretirements.

Accelerated Underwriting Expansion Effective October 5, 2019, the guidelines forColumbus Life’s accelerated underwritingprogram will expand to include clientsapplying for face amounts of up to$1,000,000 – twice the amount of theoriginal limit! Read More Tap into the Expertise of AdvancedMarkets Advanced markets support is a coreelement of Columbus Life’s producer-firstmindset. Learn how the Advanced Marketsteam can assist you on a variety ofconcepts and case designs. Read More Watch Season 9 of Life Insights Now

Our popular Life Insights video series forfinancial professionals has returned withfour new topics. Dive into the insights of afew of our leading professionals. Watch Now

GUL Express Rates Have Dropped Effective October 1, 2019, the guaranteedlifetime rates for GUL Express havedropped. Learn more about what the dropcan mean for you. Our LTC Rider Helps Clients PreserveTheir Independence When the need for LTC services arises,your clients will be concerned aboutprotecting their assets, as well aspreserving their independence. Learn howto maximize their coverage with our LTCRider, available on Income Advantage IULand Life Protection Advantage IUL. October 17th LTC UnderwritingTeleconference Learn about why applications arecommonly declined in Mutual of Omaha’supcoming teleconference. Read ournewsletter article to learn more about ourunderwriting teleconference series and besure to add the October 17thteleconference to your calendar.

Life’s a Pitch! Like a good pitcher, a good underwriterkeeps an eye on the bases and is alwayslooking for new and better ways to pitch thenext best offer. Read the article The Key to Main Street? Main Street, USA, is primarily comprised ofthe broad market, a group earning between$50,000 and $250,000 annually. And if theyare seeking lifelong protection withcertainty, see how whole life insurancecompares to guaranteed universal lifeinsurance. This eye‐opening article maysurprise you! Read the article Technology Can Help Boost YourBusiness eCapability tools can help simplify andexpedite life insurance sales. Learn moreabout these time‐saving technologies forsuccess in the broad market. Read the article

Q4 Mission Addition Limited Time Offer:Now through Dec 31st We're on a mission to make sure yourclients have the protection they need. Toomany Americans are uninsured,underinsured, or have a policy that can'tadjust to meet their changing needs. It'stime to remedy that! With this underwriting program, your clientscan quickly and easily add a permanent lifeinsurance policy of the same amount (up toa $1 million) to their existing life insurance

program. And, if they meet our criteria, we'llgive your clients an opportunity to benefitfrom the Mission Addition Advantage: eitherinclude our Long-Term Care Services Rider,or improve their rating by one class. Eligible clients need a current, fullyunderwritten life insurance policy from AXAEquitable Life Insurance Company orMONY Life Insurance Company of America(MLOA) or a select carrier. Click here forthe details. Attend our webinar next week to learn moreabout the Q4 Mission Addition underwritingprogram.

10 Tips For Tax-Efficient Planning As you help clients plan for retirement,considering tax and distribution flexibilitymay help them avoid higher tax bracketsand reduce unintended taxes on incomesources like Social Security. Tax efficiencycan be complicated, and it may benecessary to work with a tax expert. In themeantime, here are a few helpful tips, fromNationwide’s Retirement Institute forpotentially generating tax-efficientretirement income.

Are Your Clients Keeping up with

Changing Needs? Conducting regular reviews of your clients’life insurance is not only a best practice forproviding good customer service, but it’salso a means to help strengthen existingrelationships. As clients’ lives change, sodo their needs. Our life insurance reviewpackage offers tools to help you identifygood prospects and have meaningfulconversations. Visit the website. You’re Invited: Year-end Key EmployeeBenefit Opportunities On October 7, 2019 at 10:30-11:00amCentral, join us as we discuss how you can:Recognize key opportunities for businessowners that still exist in 2019; Understandhow non-qualified plans can be designedspecifically for owners and key employeesof C corporations and pass-throughbusinesses; Learn how recent life productchanges impact business and keyemployee solutions. Dial in: 888-804-6749, Conference ID:1733733557; Lines are limited, so dial inearly.

External 1035 Exchange TransitionGuidelines for Lincoln MoneyGuardSolutions With the new impending regulation changesthis year, PBR and the 2017 CSO Table,Lincoln is focused on making the transitionas seamless as possible for you and yourclients. We are taking prudent measuresacross all business lines to ensure ouragents and customers have a positiveexperience as they work to place year-end

business. Due to the unique business processes forLincoln MoneyGuard and to help ensure apositive client experience while complyingwith these new industry regulations, allexternal 1035 exchange applications forLincoln MoneyGuard II (2019) and LincolnMoneyGuard Reserve must be received byLincoln on or before October 1, 2019.Lincoln MoneyGuard II and MoneyGuardReserve are non-PBR/2017 CSO compliantand all non-compliant products must beplaced in-force with premium by December31, 2019. More Details Here

Deep Dive for Clients: Continuation ofBenefits (COB) Rider The COB rider is available on both ourwhole life and annuity-based contracts andmay help protect against the costs of anextended long-term care (LTC) event. Onceyour base policy benefits have beenexhausted, the COB rider kicks in for thelength of time that you choose. This flyer will help explain it to your clients.

REPEAT: The Global Atlantic Story inVideo Global Atlantic has a very unique story totell. Check out the video to hear it. REPEAT: Important Product Changes Global Atlantic is updating its life insurance

product portfolio to be compliant with the2017 Commissioners’ Standard OrdinaryMortality Tables (CSO). Of our currentproduct portfolio, Lifetime FoundationELITE IUL is 2017 CSO compliant. Work isunderway to re-price Lifetime Builder ELITEIUL for 2017 CSO. Please reviewthe Frequently Asked Questions andproduct transition rules document for detailsthis and other product deadlines.

Why SBLI Flex Whole Life? The strength of a whole life policy lies in itsversatility. On the one hand, it helpsguarantee the protection of your family’sfinancial future. On the other, it’s a concreteasset when the financial markets are down;building guaranteed cash value over timeand offering the potential for enhancedgrowth with dividends that can supplementyour income needs when you need it most.Click here for more information and ourcustomizable marketing piece!

Discontinue sales of Allianz Life Pro+Survivor As we look to streamline our productportfolio due to the 2020 CSO tablechanges, effective October 29, 2019, wewill discontinue sales of Allianz Life Pro+

Survivor® Fixed Index Universal LifeInsurance Policy. › Learn more

Get 4 Top Reasons VUL ProtectorStands Apart from the Competition Price is one reason, but it isn’t the onlyfactor to consider when comparing lifeinsurance policies. Learn more Changes Coming to Our Term Portfolioon October 28, 2019

Term Essential® and Term Elite® are beingrevised and remain competitive andattractive to clients. Learn more

Platinum Choice VUL 2 new launch date The Platinum Choice VUL 2 launchscheduled for September 30, 2019 hasbeen delayed. The new launch date is nowscheduled for October 7, 2019. Theredesigned product uses the 2017 CSOMortality Tables and will provide your clientswith more guarantees, no matter howmarkets perform. Learn more here! Protect to 100: Protection for Today andTomorrow Show clients how Term life insurance canprotect against financial risks now, andPermanent life insurance can help alleviaterisks in the future - all while staying withintheir budget. Check out the new flyer here!

Gregg Janes, Vice President ofMarketing InsuranceDesigners ofAmerica, LLC Email:gregg@ida-national.com Phone: (678)971-3688

3325 Paddocks Parkway, Suwanee, GA 30024 P: (678) 971-3688

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