Funding a Buy/Sell arrangement with Indexed Universal Life Insurance Policies
Call your BSI Marketing Team to discuss your next Insurance Business Case!
SALES ARTICLES
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Planning for the long term - Long-term care riders may make today's life insurance policies even more valuable to
your clients.
How to get Maximum Benefits for Professional Home Health Care - LTC Sales Idea
Retirement "Financial Defense" With Life Insurance - NEW from ING
The 4 pillars of your final expense business
LIFE INSURANCE
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5 things to know about children's life insurance
A 3-step plan for reaching the special needs community
AIG:
o Elite Survivor Index II - help your clients with careful Estate Planning and Wealth Transfer options
Elite Survivor Index II is a last survivor life insurance policy that pays death benefits upon the second
death providing liquidity at a time when it is really needed. Be sure to view the consumer brochure,
producer guide and product highlights.
o Living Benefits Rider provides funds for chronic illness expenses - Accelerated Access Solution (AAS)
provides income tax-free access to death benefits while living if diagnosed with a chronic illness. This
rider can help pay for virtually any expense, without any receipts required. AAS is available on Elite Index
II policies. Also available on AG Secure Lifetime GUL II with or without the Lifestyle Income Solution.
o Impress affluent clients, their attorneys and advisors - Facilitate collaboration amongst your clients' legal
and tax counsel by providing sample documents like this CRAT as a professional courtesy.
o Retirement insurance with unparalleled financial security and flexibility - Help your clients protect
their retirement plan with one permanent life insurance policy that can cover them in three situations: an
untimely death, a chronic illness or simply outliving retirement funds. Learn more in the new market
opportunity and overview flyers, as well as our FAQs, and find all the resources you need on
RetireStronger.com.
ING:
o Orange Pass -non-medical underwriting with IUL-Protector - NEW!
Now your clients can breeze through underwriting and fulfillment the orange way. Orange Pass is an
innovative process using improved efficiencies to make your clients' experience easier and help get them
their policy faster.
 No invasive tests or bloodwork for your clients
 No paramed exams to eliminate delays
 Fewer questions on application
 Policies $500,000 or less could be issued in as little as 5 business days
 View details and transition rules
o ROP Product Guide
MetLife:
o Enhanced underwriting to allow for better offers on four impairments - Learn more about
underwriting Anxiety, Atrial Fibrillation, Kidney Stones and Papillary Thyroid Carcinoma. In addition, if
you have cases that are up to $1m of coverage and up to age 50 they could qualify for the Jet Issue
program; which could result in 24-hr issued status!
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Mutual/United of Omaha:
o Fit underwriting credit program - a win-win for you and your clients.
o A gift your child won't outgrow - Are your children or grandchildren protected? Build a secure financial
future with life insurance.
o Living Promise rate sheets - make selling easier - NEW
o Sell GUL - for your clients looking for guarantees AND lifetime protection!
It's protection that's guaranteed for Life. This concept brochure shows you how to put a plan in place for
your clients.
o TLA, GUL or AccumUL Answers - discover which one is right for your client. These are three great
products for your clients. You can find answers in this short breakdown of the differences among TLA,
GUL and AccumUL Answers.
o Accelerated Death Benefit Rider details - Mutual of Omaha's ABR rider has a $1 million benefit amount
and is available on ALL Term Life Answers policies.
Prudential:
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o Product re-prices - effective August 11
The following products will be re-priced on August 11th:
 PruLife UL Protector
 PruLife SUL Protector
 Term Essential
 Term Elite
SBLI:
o New bands and rates for Level Term Plans - reminder
o Term renewals - SBLI will begin paying you renewals on many of your agency's term policies that renew
next year, for apps received at SBLI July 1, 2014 and after! Here is a summary of the new schedule:
 Term policies included for renewals are T20, T25, and T30 which have a face amount of
$500,000 and larger
 Amount payable is 2% for 5 years (years 2-6)
 Term riders on whole life for the same duration and face amount as above are also included at 1%
for 5 years (years 2-6)
o SBLI ranks in the top 3 nine times out of ten!
Transamerica:
o TransNavigator IUL - NEW PRODUCT!
 Product Guide
 Quick Facts
 Guide to Doing Business
 State Availability
 Illustrated Rate Consumer
 TransNavigator Goal Tracker Consumer Flyer
 Statement of Understanding
 LTC Rider Producer Guide
 Product Matrix
 Underwriting Guide
o Freedom Index Universal Life II and Freedom Global IUL II announcement - important
With the release of TransNavigator, Transamerica is withdrawing the Freedom Index Universal Life II and
Freedom Global IUL II products. Applications for these discontinued products must be signed and
received in good order at the Home Office August 8, 2014. This date assumes the TransNavigator is
available as of July 7, 2014. (Please note, if your state is not approved for TransNavigator yet, continue to
sell the Freedom Index Universal Life II and Freedom Global IUL II.) To be considered a received
application, the following conditions must be met:
 The formal application with all fields completed and necessary forms required at time of
application must be submitted with the application.
 Signatures of all necessary parties.
o Compare LTC benefits
View this policy comparison chart so you can see the Transamerica Difference for yourself.
ANNUITIES
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Best of Fixed Annuities
What you need to know about the cost of fixed annuities
How to frame annuities more attractively
ING:
o New states launch RenewalFLEX feature - The new ING RenewalFLEX Feature is available with an ING
Secure Index Five Annuity or ING Secure Index Seven Annuity, which are issued by ING USA Annuity
and Life Insurance Company.
o Video presentations
 Lifetime Income Annuity (5 Minutes, 27 seconds)
ING Lifetime Income offers a simplified approach to guaranteed income, including boosts to the
income benefit base of 150% in year 5 and 225% in year 10.
 Return of Premium Rider (2 minutes, 58 seconds)
In just three minutes, you can learn about one of the most sought after riders for today's
challenging economic environment.
 Performance Trigger Strategy (5 minutes, 10 seconds)
Diversify while you simplify. Fixed Indexed Annuities just got a whole lot easier with the
Performance Trigger Strategy.
 IncomeProtector Withdrawal Benefit Rider (7 minutes, 22 seconds)
You insure your house, your car, your life, and even your flat screen television. Now you can
insure your retirement income through an annuity with a lifetime withdrawal benefit.
 Interest Rate Benchmark (4 minutes, 2 seconds)
Worried about Rising Interest Rates? The Interest Rate Benchmark Strategy was designed to
capture the upside potential of a rising interest rate environment. This optional benefit is
available with a fixed index annuity from ING USA Annuity and Life Insurance Company.
Lincoln National:
o Linc Edge niches - learn what makes this rider stand out.
Protective Life:
o Guaranteed minimum indexed rate increases for Protective Indexed Annuity II.
o Grow Your Sales With Protective Indexed Annuity II - presentation
LONG TERM CARE
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Here's Why You Should Consider Long-Term Care Insurance
Putting more life in long-term care - If you've been sitting on the fence about long-term care insurance, maybe it's
time to lean forward.
Genworth:
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o Privileged Choice Flex 3 launces on July 21 - reminder
o Notice regarding Privileged Choice products - With the launch of Privileged Choice Flex 3, Genworth will
no longer allow clients to purchase multiple individual Genworth LTCI policies. This applies to all
currently available Flex products.
o eValuate - new LTC field underwriting tool.
John Hancock:
o 2013 and 2010 in-force rate action notifications to take place in late August
o LTC Field Underwriting Guide - The LTC Field Underwriting Guide features the most recent guidelines to
medical conditions and underwriting determinations. (Available in all states.)
o Insurability Screening Guide - now available
Mutual of Omaha:
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o MutualCare Solutions launching in Florida on July 18 – reminder
Transamerica:
o LTC News - In this issue:
 Leading the Way in Innovative LTCi - By making LTCi more accessible to the middle market,
Transamerica LTC has expanded your potential client base and made waves in the marketplace.
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Q3 Focus: Multi-life sales - Discover the focus of our third-quarter feature articles on how to
boost your sales with the growing business of worksite LTCi coverage.
TransCare III - LTC Cash Benefit with 0-Day Elimination Period - video
DISABILITY/MEDSUP
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Mutual/United of Omaha:
o DI Calculator - The DI Calculator is a useful tool in helping your clients assess their needs.
o DI: Good Reasons to Protect Your Income - Use the following marketing piece to show your next DI
client.
TECHNOLOGY CORNER
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How can technology help you grow your business
Technology tools
AGENT INCENTIVE
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Genworth:
o 2015 Distribution Leaders Summit (1/1/2014 - 12/31/2014)
Discover South Africa - April 15 - 24, 2015!
Legal & General America:
o Go Figure Contest (3/1/2014 - 12/31/2014)
This agency incentive begins March 1st and runs through 2014, BUT the qualifications restart again on
July 1st, and then again on October 1st. To win an iPad or Android Tablet, you need to focus on financial
institutions!
North American:
o Elite Agent Bonus Program (1/1/2014 - 12/31/2014)
 Click here for details on the Elite Silver Level Agent Bonus Program.
 Click here for details on the Elite Gold Level Agent Bonus Program.
o Triple Pay Program is Back! (3/1/2014 - 8/31/2014)
Recruit new agents and earn $100 for each of your first three paid life insurance cases! View the video.
SBLI:
o Introducing the new Cash for Cases 5-5-5 Bonus Program (6/21/2014 - 9/22/2014)
 SBLI is pleased to announce the launch of its summer-long 5-5-5 Writing Agent Bonus Program
that could earn you up to $1,000 total per agent!
Transamerica:
o Break Away and Travel with Transamerica (4/1/2014 - 12/19/2014)
 Agents who place $25,000 of premium (minimum 3 TLIC life applications) will earn a 3-day
vacation package valued up to $1,400 for yourself and a guest.
 Agents who place $75,000 of premium (minimum 5 TLIC life applications) will earn a 5-day
vacation package valued up to $5,000 for you and up to 3 guests.
1-800-229-9020
FOR AGENT USE ONLY- NOT FOR USE WITH PUBLIC

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