Thursday, June 22, 2017

Revised/Improved Equitrust Annuity Application – Required 7/1


Improved Annuity Applications
Required July 1, 2017


We're pleased to announce improvements to the EquiTrust Annuity Application forms.

The new application forms (dated 12-16) apply to all states except California and Pennsylvania, and are available now on the EquiTrust website and on AppBuilder. In California and Pennsylvania, see State Variations below.

Transition Rules
The new 12-16 versions may be used now. The new and old versions will be accepted through June 30. Beginning July 1 the old versions will not be accepted. Replace printed application packets at your earliest convenience.

Improvements to the Application include:
• Addition of Mailing Address, in addition to Permanent Address
• Addition of Email Address

• Addition of Inherited IRA Plan Type
• Improved language in Beneficiary section

State Variations

Most States/Generic




District of Columbia




New Jersey

ICC16-ANN-APP(12-16) for DynaMARC Only

North Dakota



ICC16-ANN-APP(12-16) for DynaMARC Only

South Dakota


To build a new app packet which includes the new Application, click here.

 Send an email to EquiTrust Sales Support,
call 866-598-3694, or visit our website at


EquiTrust Life Insurance Company, West Des Moines, IA. For Producer Use Only. IC17-ECN-1056



If you prefer not to receive
future e-mails of this type,
click here

Sent By:

EquiTrust Life Insurance Company

7100 Westown Pkwy Suite 200

West Des Moines Iowa 50266-2521



To view as a web page click here.



Monday, June 12, 2017

DOL Transition Details







                                                   DOL Transition details

Just want to make sure you have all the details needed for the upcoming transition period starting June 9th this is what we've been told from the Insurance Carriers:

First-the Days of only having one product in your back pocket is gone, it was never a great to do business anyway as you cannot fit every square peg into a round hole. We work with over 40 Life and Annuity carriers, we have the products/solutions to fit your client's needs.

Second -Do Not listen to the Marketing pitches that are going on out there. You do Not need to transition to running everything through a software program to analyze client risk. You do Not need to worry about replacing your E&O policy because "they won't cover DOL Fiduciary Rules". We called a few E&O providers and was told the same thing "As long as your current E&O covers Fixed and Index Annuities, it will cover the DOL Fiduciary aspect as well. The agents that only own the basic E&O that only covers Health Products, those guys were never covered to sell Annuities in the first place and it's time to upgrade your E&O policy. If you have questions about your E&O, call your E&O provider.

You can count on the fact that almost every carrier in the business will have updated suitability forms that will go into effect 6/9/17. These suitability forms will be built into the application packages you get from the carrier websites, so make sure you throw away unused paper applications you have sitting on the shelf in your office.

In the following Link to my GoogleDocs -   DOL Sample Forms, there are several different versions of the PTE 84-24. These are all generic forms that the carriers are providing, you do not have to use a specific form for the specific carrier you are writing the application with. This form PTE 84-24 needs to be completed, signed/dated by the client, and kept in the client file for EVERY SINGLE PIECE OF QUALIFIED BUSINESS YOU WRITE. This includes IRA to IRA transfers, 401K/403b rollovers, etc… And it's to be used for both Annuities and Life policies that are being funded with Qualified Money.

Between 6/9/17 and 12/31/17, this is considered the Temporary Transition period in which filling out the PTE 84-24 and keeping better client files is going to be the only real change to your business. Everything else, from writing business and submitting business (both Qualified and Non-Qualified) will be Business as Usual for you. After 1/1/2018, there may be an additional twist on who signs off on you submitting your Qualified Business. We have the systems in place to allow you to streamlessly continue to produce business, but NAFA (National Association of Fixed Annuities) continues to fight these new DOL rules in court and things could change again by the 1/1/2018 timeframe. Stay tuned as we will update you when things change, we are part of the biggest IMO production groups in the industry so we are aware of the changes and what it's going to take to be compliant.

Bottom line is this; to fulfill the minimum requirement for DOL right now keep a copy of the PTE 84-24 in your client file (for Qualified cases), fill out the new versions of suitability that the carriers are building into their application packages, and do what's right by the client.   Moving forward, if you want to build your business in the direction the industry is heading, you may want to change your sales process a little.

Follow a sales process (Keep your client records in case you get audited):

  • Fact find
  • Analysis
  • Illustration
  • Application
  • 84-24 form (Do not send to carrier, keep in own file)
  • Keep files for 6+ years
  • Submit business as usual. Directly to the carrier, or new business like you currently do.

The goal of the Transition Period is to begin to integrate parts of the Rule into our practices while we all build to full compliance with the Rule January 1, 2018

84-24 exemption and disclosure

**If you would like to take a training course on the DOL changes, both REGED and LIMRA have classes right now the links are listed above. We hosted a Webinar and Recorded it, regarding the DOL transition rules. To listen to it, here you go. DOL Fiduciary Rule Webinar -6-5-17

If you have any questions or concerns, please reach out to us. We are here to help you get the answers you need.








Schaefer Financial Group 1090 Second Street South Ste 2C Sartell, Minnesota 56377
Toll Free: 855.597.8256



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.



If you prefer not to receive
future e-mails of this type,
click here

Sent By:

EquiTrust Life Insurance Company

7100 Westown Pkwy Suite 200

West Des Moines Iowa 50266-2521



To view as a web page click here.



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


View this email in your browser


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 |









Want to change how you receive these emails?
You can update your preferences or unsubscribe from this list

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



Privacy Notice  |  Unsubscribe  |  |  A.M. Best Rating


Note: Unsubscribe will discontinue all communications including rate announcements,
regulatory, product and other important messages. To begin receiving e-mail messages,
contact Sales Support at 866-322-7066.


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