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New Webinar Highlights Webpage

We have created a landing page the contains some of our most popular past webinars. Be sure to visit this page for sales ideas, product information and information on the resources that are available through One Resource Group! Click Here to visit the... read more

ORG Disability Income Sales Incentive

Sale Individual Disability Income and earn some rewards with ORG from 9/1/2017 to 12/31/2017. Without a paycheck, how long would your clients be able to make their mortgage payment, buy groceries or pay credit card bills? Don’t miss your chance to offer them a piece of mind and start the Disability Income discussion today.  Click Here for full program... read more

New Zurich Accumulation Index UL

Zurich has launched a new IUL product call the Zurich Accumulation Index UL. This new product is focused on cash accumulation and looks to be very competitive for income distributions. Click Here to Learn... read more

Lincoln Financial Group

Important Product Announcement from Lincoln.  This announcement regards changes to LifeElements Term, TermAccel Term, LifeGuarantee Survivorship UL and their Index UL product suite. Click Here for... read more

WriteFit Underwriting from Minnesota Life

Redefining the underwriting experience: Securian’s Underwriting department has a finger on the pulse of the industry and an eye on making your business simpler. Introducing the new WriteFit Underwriting program. By applying for life insurance with WriteFit, your healthiest clients could be approved for coverage in fewer than three days. Click Here for more... read more

MetLife

Effective February 3, 2017 several products from MetLife will be sunsetting. Following the separation of U.S. Retail, Brighthouse Financial will make the following life insurance products available for sale. These products will not differ from their MetLife versions as of the date of separation. Premier Accumulator Universal Life Guaranteed Level Term (minimum face amount will equal $1M) One Year Term Click Here for More... read more

The MYGA 3.10% Interest Rate Special Now Available!

3.10% LIMITED TIME ONLY! The FG Guarantee-Platinum 5 Interest Rate Special is Back! Get more for your clients with 3.10% for 5 years. Act now-this competitive interest rate will only be offered for a limited time.  Click Here for More... read more

Voya Financial to Suspend Some Products

Effective December 30, 2016, Voya will suspend Voya Indexed Universal Life-Guaranteed Death Benefit (IUL-GDB) and all level-term insurance sales while continuing to offer cash value life insurance products.  Click Here for... read more

John Hancock: Discontinuance of Individual LTC Insurance Sales

After a recent analysis of the macro-economic trends facing the long-term care (LTC) insurance industry, we have made the difficult decision to discontinue sales of our individual LTC insurance policies in all states.  As many of you well know, the distribution landscape for LTC insurance has shrunk significantly since the peak of the industry in 2002.  Today, there are far fewer outlets through which individual LTC insurance is sold, impacting the growth potential of the product.  In addition, consumer demand for individual LTC insurance has fallen and remains stagnant. These trends, combined with the significant capital requirements of the LTC insurance business, are the primary reasons for this decision, which was not taken lightly. Please refer to the following schedule of important dates relating to the wind-down of current cases. IMPORTANT DATES: December 2nd, 2016 – last day to submit ‘in good order’ applications. (11:59 ET for applications submitted electronically and/or must be received by December 2nd if mailed). Please note LTC Quick Quotes will be discontinued effective immediately. December 16th, 2016 – last day to complete paramedical exams. February 10th, 2017 – all policies must be issued and paid for. Please note that the decision to discontinue new sales does not impact our inforce LTC insurance business.  We will continue to honor our commitments and provide high quality service and support to our existing LTC insurance policyholders and their families for many years to come. We continue to believe in the importance and value of providing LTC protection for Americans, so as we look ahead, we will focus on offering LTC coverage as an accelerated benefit rider on... read more

OneAmerica: Care Solutions and the new DOL rule

What you need to know now… 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 regulations. As we prepare for the new regulations, there’s some good news: The OneAmerica Care Solutions product suite will remain largely unchanged after the rule goes into effect, so Care Solutions will continue to be a nice fit in the new environment as a wealth protection tool. More Details... read more

Jackson National: DOL Update

New Rules, New Responsibilities:  What it means to be a fiduciary under the DOL and ERISA: By definition, fiduciaries must put their clients’ interests ahead of their own. As a responsible professional and trusted partner to your clients, you already do this in practice. Let’s take a look at the ways in which you are a fiduciary under three different standards: FINRA; Investment Advisers Act of 1940; DOL and ERISA.  Click Here for the full details.... read more

Protective Life

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. More for... read more

Genworth Launches Element a New Long Term Care Insurance Solution

On June 27, Genworth launched Element, a long term care solution based on flagship Privileged Choice Flex 3 product. Element features four preset packages. There are just two decisions to make: determine which level of protection your clients want and for couples, the optional Shared Coverage benefit can be selected. Click Here for more... read more

AG49: New Guidelines for Illustrating Index Life Insurance Products – Phase 2

Late last year the National Association of Insurance Commissioners (NAIC) adopted Actuarial Guideline 49 (AG 49) for Index Life Insurance Illustrations. It is meant to help create more uniformity around how life insurance carriers illustrate their index life products. AG 49 is being implemented in 2 phases; the first of which took place on September 1, 2015 and addressed how illustrated rates are calculated (described below). The 2nd phase of AG 49 implementation is set to begin on March 1, 2016. Click Here for more... read more

Genworth: Suspension of All Traditional Life Insurance and Fixed Annuity Sales

After a review of its U.S. Life Insurance businesses, Genworth has decided to suspend sales of all our traditional life insurance and fixed annuity products, including Total Living Coverage, as of March 7, 2016, subject to applicable transition rules and required regulatory approval. Genworth has decided to direct its efforts exclusively on the market opportunity that provides the most potential for profitable growth and takes the greatest advantage of our expertise, long term care insurance experience, and competitive strength: providing solutions that address the financial challenges of aging. Effective Monday, March 7, 2016, the Genworth companies will no longer accept new applications for our traditional life insurance and fixed annuity products, including: • Asset Builder Index Universal Life II • Foundation Builder Index Universal Life • Colony Term • Total Living Coverage (TLC) • Annuity Secure Living series Click Here for more... read more

Generation Matters

Connect with your clients and generate more sales.  American General has a new program available to help you grow sales across ALL generations. Generational specific prospecting tools and messages Training for use in both personal and business interactions Do’s and Don’ts for each generation Click Here for... read more

ORG Senior Health Product Platforms

Visit our new webpage for added resources for Senior Health Products like Medicare Supplement, Medicare Advantage and Part D Plans.  We have added many new resources to our site to help you market and place business in this product line.  Product spreadsheets, quoters, training schedules, webinars and more have been added. Click Here to see our new Medicare... read more

ORG Marketing Systems

Seminar Marketing: See more qualified prospects in one month than most see in a year. Click Here to see the new relationship that ORG has with RME360 to bring you a seminar marketing program with 20 years of... read more

Illustration Regulation changes for FIUL products

The National Association of Insurance Commissions (NAIC) and the American Council of Life Insurers (ACLI) have been collaborating to develop new guidelines for illustrating FIUL insurance policies. The goal of the new guideline – titled Uniform Actuarial Guideline 49 (AG49) – is to standardize illustrations across the industry by establishing maximum illustrated crediting rates, indexed policy loan spreads, and side-by-side illustrations with additional disclosures. Click Here for more... read more

Medicare Supplement Training Meetings and CE Credits

Jack Schroeder and Associates have announced their first set of on-site United Healthcare Medicare product trainings.  They will be going over some plan education and are offering 2 CE credits to those in attendance.  If you are interested in attending one of these sessions please email Dustin Johnson, so that we can add you to the list. Look for upcoming training opportunities in your area! Meeting Locations, Dates &... read more

2015 Insurance Barometer Study

For the fifth year, Life Happens partnered with LIMRA to produce the Insurance Barometer Study, which looks at consumer trends and consumers’ perceptions regarding life insurance, retirement and their financial well-being. Among the findings, cost is the reason most Americans give for not owning life insurance, yet 80% of consumers misjudge the price for term life insurance, with Millennials overestimating the cost by 213%, and Gen Xers overestimating the cost by 119%. “We’ve consistently seen over the last five years that consumers think life insurance is more expensive than it really is,” says Marvin Feldman, CLU, ChFC, RFC, President and CEO of Life Happens. “We need to help educate the public about how affordable life insurance can be.” The study also found that nearly one-third (30%) of Americans believe they need more life insurance and more than 2 in 5 (43%) say they would feel a financial impact within 6 months if the primary wage-earner died. However, the majority of Americans (54%) say it is unlikely they will purchase life insurance within the next 12 months. In addition, most Americans continue to put other financial priorities ahead of purchasing life insurance: 29% of Millennials cited saving for vacation 23% Gen Xers said paying for recreational activities such as going out to eat, movies or shopping 49% of those 65 and older cited paying for expenses such as Internet, cable and cell phones Click Here to View the... read more

Sagicor – Accelewriting

Accelerated underwriting program that could get your clients coverage up to $400,000 with no medical exam for term and permanent products! read more

A Whole New Approach to Life Insurance

John Hancock has partnered with Vitality, the global leader in integrating wellness benefits with life insurance products, to offer this unique solution that can help clients secure their financial future while supporting their pursuit of a longer, healthier life. Life Insurance with the John Hancock Vitality Program can: Help clients significantly lower their premiums – as much as 15% year after year depending upon the product and their level of participation Change the conversation by making it about healthy living Provide additional discounts and rewards from national brands and retailers Engage clients in meaningful discussions at the point of sale and throughout their lives Click Here for more information on the Vitality Program from John... read more

Genworth Generational Study

Aging and Retirement: A Generational Perspective is a study conducted by Genworth that looks at how the different generations are protecting their families and preparing for retirement. Click Here to review the... read more

John Hancock

Introducing Performance LTC: Performance LTC offers the most competitively-priced premiums on the market today, along with flexible features and options that will give your clients greater control over their premiums and benefits. Details... read more