Monday, April 10, 2017

New! EquiTrust Quarterly Spotlight


Have you heard about what's NEW at EquiTrust?

• EquiTrust Agent App – Gives your agents the convenience of alerts on
  their mobile devices for business-related information like new-business 
  updates, NIGO,suitability approval, policy issue and real-time commission-
  payment information. They can access product and rate updates, and even 
  run illustrations right from their smart phone or iPad. For more information, 
  click here.

• Outgoing Partial 1035 Exchanges Allowed – Such exchanges are 
  now permitted for non-qualified, inforce annuities. For more information,
  click here.

• Income Rider Chronic-Illness Doubler – This peace-of-mind feature is 
  now available at no charge on the DynaMARC Index Annuity's Strategic 
  Income Option. The income rider and doubler are approved in every state 
  in which DynaMARC Index is approved, with the exception of CT. For more
  information, click here.

• Terminal Illness Added to All Deferred Annuities – The no-cost rider 
  offers a surrender charge-free withdrawal of up to 75% of the Accumulation
  Value in the event of a terminal illness. For more information, click here.

• EquiTrust among Top 50 Life and Health Insurance Companies – 
  EquiTrust is recognized as a "Wards 50" top company. To be among this 
  prestigious group, each company must pass all safety and consistency 
  screens, and achieve superior performance over the previous 5 years. For
  more information, click here.


Coming Soon...


• E-Application/E-Signature Platform – We have aligned with Insurance
  Technologies and FireLight to offer this streamlined e-app process to our
  agents. Several products will be added to the platform in the second quarter.
  Additional details will be announced soon.

• EquiTrust Joins Cannex SPIA Exchange – The EquiTrust SPIA –
  Confidence Income Annuity – and its competitive rates will soon appear on
  this SPIA comparison platform. Additional details will be announced soon.

• New Product Offerings – Look for some new product offerings from
  EquiTrust in the coming months including a shorter-term FIA, a traditional 
  fixed annuity and single-premium life product.

• Corporate Website Upgrade – Our EquiTrust Corporate website – – soon will allow your prospects and clients access to more
  information in a user-friendly format. The first phase is targeted for the 
  third quarter.


Hidden Gems – Did you know?


• Positive Annual Reviews – EquiTrust has an FIA that guarantees positive
  returns for each of the first three years – giving your agents good-news
  reviews with their clients. Accumulation Value increases will be 8% or 
  higher at first review, and no less than 2% for second and third annual 
  reviews. For more information, click here.

• Inherited IRA Income Rider – Searching for a carrier that allows an 
  income rider with an Inherited IRA? Look no further than EquiTrust! Call me 
  for details.

• Index Strategies Explained, Simply – Need an effective educational tool to
  explain the mechanics of various index strategies? Our client-use index-
  strategy descriptions explain each index account and provide calculation
  examples. A one-page flyer is available for each strategy. For more
  information, click here.


Product Spotlight


• Looking for a MYGA alternative that gives your clients the potential for 
  higher returns, flexible contract options, and your agents more 
  compensation for their hard work? If so, check out the "Liquidity and MVA"
  version of our ChoiceFour Annuity. Your client will get a 1.5% premium 
  bonus, 6-year chassis, 10% free withdrawals, 2.50% interest rate with a 
  2% floor, strong renewal rate history and no 30-day renewal window to 
  worry about at the end of the initial term. Your agent will get 5.5% MGA
  commission up to age 80. Give me a call to discuss the positioning of this
  unique and hot product offering. Or, for more information, click here.

  Questions? Send an email to, call me at 
  515-226-5148, or visit our website at

ChoiceFour issued on Contract Form Series ET-SPA-2000(11-04) or ICC16-ET-SPA-2000(07-16). EquiTrust Life Insurance Company, West Des Moines, IA. For Producer Use Only. IC17-ECN-1036



Jason Goodrich

National Accounts Senior Manager


EquiTrust Life Insurance Company

7100 Westown Pkwy, Suite 200

West Des Moines, IA 50266-2521


Office: 866-598-3694

Direct: 515-226-5148

Cell: 515-508-9763


Check out our website at:


The information contained in this message may be privileged and confidential and protected from disclosure. If you are not the intended recipient of this message, you are hereby notified that any dissemination, distribution, or copying of this communication is strictly prohibited. If you have received this communication in error, please notify us immediately by replying to the message, and please delete it from your computer.

Tuesday, March 7, 2017

New Indexed SPL with Outstanding Rates: WealthHorizon Life


We're pleased to give you advance notice of this exciting product introduction. We'll announce to your EquiTrust agents tomorrow.

WealthHorizon Life is designed for your clients with wealth-accumulation and wealth-transfer goals.

Our newest member to the simplified-issue, wealth-transfer portfolio offers
• Low $10,000 minimum premium
• Penalty-free withdrawals
• Policy loans
• Accelerated Death Benefit Rider

Highly Competitive Rates!

1-Year Point-to-Point Cap Index Account (S&P 500)


1-Year Monthly Cap Index Account (S&P 500)


1-Year Point-to-Point Participation Index Account (Dynamo Index)


1-Year Interest Account


Interest credits for the Point-to-Point Participation Index Account are linked to a customized, "multi-asset" index with a "risk-control" element. The index allocates among several asset classes, including equity, fixed income, commodity, real estate and cash. The goal of the index is to deliver the highest risk-adjusted returns subject to a target volatility.

9.0% MGA Commission!

Promote this exciting product with your agents – click for customizable flyer

Sales Tools

WealthHorizon Client Brochure
WealthHorizon Agent Guide
Life All Product Summary
State Variations Summary
• Customized Illustrations
• AppBuilder

Questions? Send an email to EquiTrust Sales Support,
800-811-9733, or visit our website at


EquiTrust Life Insurance Company, West Des Moines, IA. For Producer Use Only.



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7100 Westown Pkwy Suite 200

West Des Moines Iowa 50266-2521



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Friday, March 3, 2017

FW: New Product Now Available!



March 3, 2017


American Equity NMOs and Agents


Jessica Kilker — Vice President, Marketing Services


New Product Announcement

American Equity is happy to announce the addition of a new fixed annuity product series as well as an optional Rider. The new RateShield Series offers three options with competitive rates, and a 7 or 10 year surrender charge schedule. The IncomeShield is an optional Rider available for the RateShield Series, and offers 8.5% simple interest IAV rate.

RateShield 7, 10 and 10+

  • $10,000 Minimum Initial Premium
  • Fixed rates with Optional Market Value Adjustment (MVA)
    • MVA option provides higher rates
  • 10% Free Withdrawal after the first contract year
  • 5% Premium Bonus Vesting over a 10-year period on the RateShield 10+

IncomeShield - Optional Rider Available for RateShield Series Only

  • Guaranteed Lifetime Income
  • 8.5% Simple Interest IAV Rate
  • 20 Year Accumulation Period
  • 1% Annual Fee deducted from Contract Value

Click Here to View Rates and Access Brochures

**Product Training is required before writing an annuity application**

Please note: Effective March 17, 2017, all sales for the Premier Eagle 10 and Premier Eagle 12 will be suspended. Please discard any brochures, disclosures and marketing material you have relating to these products. The decision to remove the Premier Eagle 10 and Premier Eagle 12 was made after carefully reviewing the sales level of this product.

Call the Marketing Department at 888-647-1371 for more details and to order supplies.


Annuity and Riders issued under form series ICC16 FXD-2, ICC16 FXD-3, ICC16 R-MVA, ICC16 R-LIBR-FS and state variations thereof. Availability may vary by state.


RateShield Announcement


@2017 American Equity. All Rights Reserved. For Agent Information Only. Not for use in soliciting or advertising to the public.


CLICK HERE TO OPT OUT OF THESE EMAILS, or call marketing at 888-647-1371, or fax us at 515-225-6314.


 This e-mail, including attachments, is covered by the Electronic Communications Privacy Act, 18 U.S.C. 2510-2521, is confidential, and may be legally privileged. If you are not the intended recipient, you are hereby notified that any retention, dissemination, distribution, or copying of this communication is strictly prohibited. Please reply to the sender that you have received the message in error, and then please delete it. Thank You.

Tuesday, February 21, 2017

Good News: IUL rates are going up


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IUL Rate Changes Effective February 22

Good news.
We are increasing caps and participation rates, and in turn maximum illustrated rates are increasing.

The new rates apply to FlexLife, FlexLife II, SecurePlus Advantage 79, Ultra Select and LifeCycle Solution:

  • S&P 500 Cap Focus strategy – Cap from 12.00% to 12.50% (Max illustrated rate from 6.95% to 7.14%)
  • S&P 500 Participation Rate Focus strategy – Cap from 9.75% to 10.00% (Max illustrated rate from 6.29% to 6.43%)
  • S&P 500 Point-to-Average strategy – Participation Rate from 110% to 120% (Max illustrated rate from 6.55% to 7.13%)
  • S&P 500 No Cap strategy – Participation Rate from 55% to 60% (Max illustrated rate from 6.29% to 6.85%)
  • MSCI Point-to-Point strategy – Cap from 10.75% to 11.25% (Max illustrated rate from 5.84% to 6.07%)

We will begin illustrating these new rates on February 22, 2017.

One National Life Drive, Montpelier, VT 05604 |









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Administrative Office: National Life Group 1 National Life Drive Montpelier, VT 05602 USA
Sales Desk: 800-906-3310

You are receiving this email as a contracted agent or representative of National Life Group.

National Life Group® is a trade name of National Life Insurance Company, Montpelier, VT, Life Insurance Company of the Southwest, Addison, TX and their affiliates. Each company of the National Life Group is solely responsible for its own financial condition and contractual obligations. Life Insurance Company of the Southwest is not an authorized insurer in NY and does not conduct insurance business in NY.

Agent Use Only - Not For Use With The Public




Monday, February 13, 2017

[REMINDER] NAC BenefitSolutions Rates Improve!



New Rates - North American Company for Life and Health Insurance


NAC BenefitSolutions® II Fixed Index Annuity
Rates Improve Effective 2-14-17

Rates for AK, MN, MO, OR, PA, UT, VA, WA


Crediting Method

7 Year

7 Year

S&P 500®

Monthly Average Participation Rate (No Cap)



Monthly Point-to-Point
Index Cap Rate



Annual Point-to-Point
Index Cap Rate



S&P 500® Low Volatility Daily Risk Control 5%

Annual Point-to-Point
Index Margin (No Cap)




Monthly Average Participation Rate (No Cap)




Monthly Point-to-Point
Index Cap Rate






New Business Guidelines:
New rates will apply to applications received in the Home Office on or after
2-14-17. Updated rate sheets will be available on our website by 2-14-17.

Helpful Links: Go to Annuity e-App • Go to Illustrations


Questions? Call Sales Support today! • 866-322-7066



Products issued by North American Company for Life and Health Insurance®, West Des Moines, Iowa. Product and features/options may not be available in all states or appropriate for all clients. See product materials for further details, specific features/options, and limitations by product and state. NAC BenefitSolutions® II is issued on form ICC14-NA1006A (contract).

The "S&P 500®", "S&P 500® Low Volatility Daily Risk Control 5% Index", "S&P MidCap 400®", and "DJIA®", Indices ("Indices") are products of S&P Dow Jones Indices LLC or its affiliates ("SPDJI") and have been licensed for use by North American Company for Life and Health Insurance®, ("the Company"). Standard & Poor's® and S&P® are registered trademarks of Standard & Poor's Financial Services LLC ("S&P"); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC ("Dow Jones"); and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by the Company. NAC BenefitSolutions® II is not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, or their respective affiliates and none of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of the Indices.

The Nasdaq-100®, Nasdaq-100® Index and Nasdaq® are trademarks of the Nasdaq Stock Market Inc. (which with its affiliates are the "Corporations") and are licensed for use by North American Company for Life and Health Insurance®. The Product(s) have not been passed on by the Corporations as to their legality or suitability. The NAC BenefitSolutions® II is not issued, endorsed, sold or promoted by the Corporations. THE CORPORATIONS MAKE NO WARRANTIES AND BEAR NO LIABILITY WITH RESPECT TO THE NORTH AMERICAN NAC BENEFITSOLUTIONS® II.

12850Z-BS7-HTML REV 2-14-17



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North American Annuity Service Center
4350 Westown Parkway | West Des Moines, IA 50266

Thursday, November 17, 2016

All Expense Paid IUL University and Premium Finance Event





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For more information contact

Schaefer Financial Group at 844-594-6279


1090 2nd Street South Ste 2 Sartell MN 56377

Wednesday, October 19, 2016

DOL Update


DOL UPDATE: Maintain, Pivot, Capitalize

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As a company that has been dedicated to serving the retirement and life insurance needs of Main Street America for more than 167 years, it's of great concern to us that the DOL Fiduciary rule may put at risk the ability of our customers to obtain the quality financial solutions they need to create a secure retirement.

Since the rule was established in April, we have been busy formulating a strategy that will ensure that National Life and our key business partners can continue to serve the needs of our customers. With this in mind, we would like to provide you with an update on our plan to make sure our clients continue to have access to the solutions they need to achieve peace of mind.


Here's a look at our strategy through the lens of our various client solutions:

Life Insurance

The DOL rule applies to the sale of life insurance in qualified plans and we remain committed to this business. As a whole, we believe the system for delivering life insurance, and the compensation associated with it, has been, and will continue to be, fair and reasonable, and the core elements will remain unchanged.


Mutual Funds

Mutual Funds offer investors one of the most cost effective ways to obtain a professionally managed and diversified portfolio. We believe that commission-based solutions are often the most economical way for middle-income America to obtain financial advice. With that said, Sentinel Investments has, and plans to continue, to offer both commission-based and fee-based share classes.


Variable and Fixed Indexed Annuities

Variable and Fixed Indexed Annuity sales to ERISA plans and IRAs will be considerably impacted by the DOL Fiduciary rule. Most IMO's are now faced with the choice of applying for financial institution status or aligning with a firm that is eligible to be a financial institution under the regulations. We plan to provide a solution no matter what choice is made. Our strategy will take these forms:

National Life will provide a solution whereby we act as the financial institution under the Best Interest Contract Exemption (BICE). We plan to build an open-architecture platform that provides agents with continued flexibility.


After taking a look at our existing product lineup, we've identified the need for a traditional fixed annuity offering (known under the DOL rules as a "Fixed Rate Annuity") with the Guaranteed Lifetime Income Rider (GLIR), which would be made available through traditional IMO channels. Like Life Insurance, Fixed Rate Annuities are treated more favorably under the DOL rule. We believe that a Fixed Rate Annuity with GLIR will help our business partners identify new areas of opportunity and maintain sales momentum. To this end, we will continue to explore and develop new product solutions that make it easy to do business and help you to embrace the new regulations.


A Cause to Serve

With ten thousand people turning 65 every day, the need for retirement income solutions has never been greater. National Life has been dedicated to acting in the best interest of Middle America for more than 167 years and we remain steadfast in our commitment to delivering a broad portfolio of quality financial solutions that meet the needs of our customers. After all, it's our cause, stemming from a deep passion to live our values to do good, be good and make good, every day


For more information, please contact your National Life Group Regional Representative.

One National Life Drive, Montpelier, VT 05604 |








National Life Group® is a trade name of National Life Insurance Company, Montpelier, VT, Life Insurance Company of the Southwest, Addison, TX and their affiliates. Each company of National Life Group is solely responsible for its own financial condition and contractual obligations. Life Insurance Company of the Southwest is not an authorized insurer in New York and does not conduct insurance business in New York.

National Life Insurance Company was founded in 1848. Life Insurance Company of the Southwest was chartered in 1955. Equity Services, Inc., Member FINRA/SIPC, is a Broker/Dealer and Registered Investment Adviser. Sentinel Investments® is the unifying brand name for Sentinel Financial Services Company, Sentinel Asset Management, Inc., and Sentinel Administrative Services, Inc. All companies, unless otherwise noted, are affiliated and are located in Montpelier, VT. Sentinel Funds are distributed by Sentinel Financial Services Company, Member FINRA, One National Life Drive, Montpelier, Vermont 05604. (800) 282-3863. Mutual funds and variable products can be offered solely by representatives registered to offer such products through a broker/dealer by way of prospectus.

For more complete information about the Sentinel Funds, please obtain a prospectus. Please ask your clients to consider a fund's objectives, risks, charges and expenses carefully before investing. Summary and full prospectuses containing this and other information are available from you, the advisor, or Please encourage your clients to read the prospectus carefully before investing.

For Agent Use Only - Not For Use With The Public


Cat No 103047d(1016)

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National Life Group · 1 National Life Drive · Montpelier, VT 05602 · USA