Florida Suitability - Form Changes, Effective 10/1

 

Florida Suitability Regulation Change Effective 10/1/13 Effective 10/1/2013 the State of Florida will require a suitability form and (if applicable) a Florida replacement-comparison form for ALL annuity applicants in Florida. Since 2009, these two forms had been used only for applicants age 65 and older; now they are required for all ages. You may begin using these forms immediately. Required Forms: ·         Annuity Suitability Questionnaire – DFS-H1-1980 ·         EquiTrust Financial Needs Analysis – ET-2506 If Replacement, Also Required: ·         Disclosure and Comparison of Annuity Contracts – DFS-H1-1981 ·         EquiTrust Notice to Applicant Regarding Replacement of Insurance – ET-RPL-4900FL The Annuity Suitability Questionnaire (DFS-H1-1980) is required with every application completed in Florida. Although the consumer may choose to opt-out of certain suitability questions on the Florida form, the agent is required to complete the three questions on page 3 of the form. The Disclosure & Comparison of Annuity Contracts (DFS-H1-1981) is required to be completed in its entirety in situations of annuity contract replacement. The standard EquiTrust replacement form (ET-RPL-4900FL) continues to be required in addition to the newly required comparison form. EquiTrust will continue to require our Financial Needs Analysis form ET-2506, completed in its entirety, with all applications. Pursuant to these new requirements, a copy of form numbers DFS-H1-1980 and DFS-H1-1981 (if applicable) will be included with contract print to be delivered to the client.  Extended Free-Look Period Along with the form changes, Florida has extended the free-look period for all annuity contracts. All contracts issued 10/1/2013 and after will have a 21-day free-look period.  Questions? Call EquiTrust Sales Support at 866-598-3694 or visit Agents.EquiTrust.com.     EquiTrust Life Insurance Company, West Des Moines, IA.  For Producer Use Only.

 

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RSL - RATING UPGRADED to "A+" (Superior) by AM Best!

 

RELIANCE STANDARD – RATING UPGRADED  TO "A+" (SUPERIOR) BY AM BEST     On behalf of the entire team here at Reliance Standard and our Tokio Marine Group colleagues, I am pleased to announce that AM Best has upgraded the Financial Strength Rating (FSR) of Reliance Standard Life Insurance Company to "A+" (Superior) from "A" (Excellent), effective immediately.  The upgrade follows the upgrade by Standard and Poor's last month and recognizes our integration progress following the merger with Tokio Marine last May.  As a result of the upgrade, our Comdex score will increase from 85 (current score) to approximately 92 once Comdex enters the new FSR into their system. We have updated our Financial Handout with the new FSR rating and it can be accessed here. Should you have any questions regarding the upgrade, please do not hesitate to contact me. Sincerely, David M. Whitehead Vice President, Accumulation Products Marketing                                           2001 Market Street, Suite 1500 Philadelphia, PA 19103 annuity.marketing@rsli.com www.reliancestandard.com 800-351-7500 (ext 3696)

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Annuity News from Forethought

 

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State Availability  (effective 8/9/13) Important News This Week Connecticut is now a model state for replacements. As of August 8, 2013, replacement forms are needed in Connecticut when the applicant indicates they have other insurance currently inforce, as well as when a policy is being replaced. Income 125+ will be available in Illinois on August 12, 2013! As of August 19, 2013, the ForeFrontSM Fixed Index Annuity Series will be available in Alaska, California, Illinois, Maryland, Minnesota, Nevada, North Dakota, Ohio, Oklahoma, Oregon and Washington. Marketing materials and forms are available now for preview. For full state availability, reference the State Approval sheet. Bonus Advantage Illustration. We've improved the withdrawal capabilities of the illustration.  You can still specify amounts in terms of dollars or as a percentage of contract value, but now you can vary the amount of the withdrawal each year prior to income activation.  You can also defer income activation from 0-20 years of deferral for any scenario or may choose to never activate income.  Just another way we're making the illustration more flexible for you! To date, ForeFront is available in: AL, AR, AZ, CO, DE, DC, FL, GA, HI, ID, IN, IA, KS, KY, LA, ME, MI, MO, MS, MT, NE, NH, NJ, NM, NC, ND, PA, RI, SC, SD, TN, TX, UT, VA, VT, WI, WV, AND WY To date, Income 125+ is available in: AL, AR, CA, CO, CT, DE, DC, FL, GA, HI, ID, IN, IA, KS, KY, LA, MA, ME, MI, MO, MS, MT, NE, NH, NJ, NM, NC, ND, NV, OH, OK, PA, RI, SC, SD, TN, TX, UT, VA, VT, WI, WV, and WY. Please reference the State Approval sheet for current state availability. Income 125+ and ForeFront forms and marketing materials are available in these states through the Document Library, or log on to www.forethought.com to order new materials. Get ready to sell ForeFront Fixed Index Annuity Series! As with all of our products, you must complete the required product training before selling. Newly contracted agents who have not completed any product training should go to RegEd to complete the required product training. For agents who have completed product training, for a limited time you can complete the ForeFront training by simply reviewing the training presentation here. Upon completion, reply to this email (annuity.services@forethought.com) with your name, agent number and statement that you completed the ForeFront product training. If you have any questions, please contact Annuity Services at 877-244-7526 or simply reply to this email. Helping to Solve Retirement Income Issues 8% commission ages 0-75; 6% ages 76-851 Index Bonus 115SM 15% income bonus on initial premium received (Applied to Guaranteed Lifetime Income Account Value. Not available on cash surrender and does not apply to contract value or death benefit)2 Guaranteed 6% annual accumulation3 on the Income Account Value each contract anniversary for the first 10 years, or until the income benefit is activated if earlier (Not applied to the contract value or death benefit) Grow total death benefit up to 200% of premium less withdrawals (or until age 85, whichever comes first)4 with the Optional Increased Death Benefit Guarantee Rider Guaranteed income for life3 even if your contract value falls to zero after income activation5 Get everything you need to sell this product, from training to marketing materials and current forms, using the Annuity Toolkit! Call your IMO or Forethought's Sales Desk at 855-44SALES (855-447-2537) for more information about Index Bonus 115 today! Forethought Agents should now go to RedEd for product specific training. Please note that if you do no already have one, you will need to create a username and password with RedEd. You can register with RegEd by following the attached link: https://secure.reged.com/TrainingPlatform/ © 2013 Forethought Products are issued by: Forethought Life Insurance Company 300 N. Meridian Street, Ste. 1800 Indianapolis, IN 46204 1Commissions reduced by 1.00% in AK, CT, DE, FL, MN, NV, OH, SC, TX and UT. 2There is an annual charge for the Guaranteed Lifetime Income Benefit Rider, applied monthly to the contract value. 3Guarantees are based on the claims paying ability of the issuing company. 4Optional Increased Death Benefit Guaranteed Rider sets a death benefit floor equal to premium less withdrawals, increased by 5% of premium less withdrawals for each full contract year completed. Total death benefit for the contract is maximum of contract value or death benefit floor at time of death. Available at issue only for ages 0-75. Annual charge applies to contract value. 5Assuming no excess withdrawals. Income 125+SM, Index Bonus 115SM fixed index annuities are issued by Forethought Life Insurance Company, are available in most states with contract FA2001SPDAX-01 and FA2001SPDAX-01 and FA2001SPDAXL-01 (certificate series GA2001SPDAX-01, as applicable). State variations apply. Read the contract for complete details. ForeFrontSM, Bonus AdvantageSM , fixed index annuities are issued by Forethought Life Insurance Company, are available in most states with Contract FA1201SPDAX-01, FA1201SPDAX-02, ICC11-FA1201SPDAX-01 and FA1201SPDAXL-02 (certificate series GA1201SPDAX-02, as applicable). Read the contract for complete details. www.forethought.com NOT FOR USE WITH THE PUBLIC. FOR AGENT USE ONLY.

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Foresters SMART UL medical... a great addition to our product line up

 

Hello Jesse Foresters SMART UL medical... a great addition to our product line up All the same great product features as SMART UL non-medical Low $100,000 Minimum Face Amount for ages 16 to 70 Issue ages 0 to 85 Plus, New higher maximum issue age 75 (up from 70) for SMART UL non-medical Commission target has no maximum age cap for both SMART UL medical and non-medical SMART UL applications and sales materials are available for download or ordering on ForestersTM producer website. Want to learn more about Foresters SMART UL? Take advantage of the new training modules in Foresters Producer Academy to get up-to-speed. Just log on to Foresters producer website and select the Training tab at the top of the page. If you have any questions, please contact Foresters Sales Support (866 466 7166, press 1).

 

Producer Use Only 410036 US (07/13)

ForestersTM is the trade name and a trademark of The Independent Order of Foresters, a fraternal benefit society; its subsidiaries are licensed to use this mark. 789 Don Mills Rd. | Toronto | ON | M3C 1T9 | Canada Privacy Policy

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Only Three Weeks Left to Pocket Up to $2,000 in Extra Summer Cash!

 

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Our sizzling summer sales incentive ends August 30 - don't let the clock run out!   Our hottest FIA is your ticket to extra summer cash! Sell a minimum of $100,000 in ATHENE Benefit 10sm premium through August 30, and you'll take home an additional 1% in first year commission - up to $2,000 - when all qualifying business has been issued. Submitted business must be received in good order by 8/30/13 to qualify. Download our Summer Sales Incentive Program flyer to learn more. Then get your summer sales sizzling with ATHENE Benefit 10 and its remarkable five benefit Enhanced Benefit Rider. Start selling today! Summer Sales Incentive Program Flyer Need info or sales support? Contact our Sales Desk 855-4-ATHENE   In Texas, the rider is known as the Guaranteed Lifetime Withdrawal Benefit with Enhanced Benefits Rider. Issued by Athene Annuity & Life Assurance Company, Wilmington, DE. Product/features may not be available in all states. Contract contains exclusions, limitations and charges. See annuity contract for complete details.

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Oxford August E-Newsletter

 

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August E-Newsletter   In the August issue... Headlines: Oxford Life® Department News - Page 2 Read Now Medicare Supplement State Approval Map - Page 3 Read Now 10 Best Sales & Marketing Ideas - Page 4 Read Now Royal SelectTM: Annuity of Heroic Proportions - Page 5 Read Now Clients' Own Fears Keep Them From Acting - Page 6 Read Now Retirement a Growing Priority for Small Business Owners - Page 9 Read Now Producer Trip Qualifications - Page 11 Read Now Regional Directors - Page 13 Read Now Annuity Rates for August 2013 - Page 14 Read Now ---Click here to view the newsletter.---   AP280P7 FOR PRODUCER USE ONLY - Not intended for soliciting or advertising to the public. © OLIC 2013 Rev.8-2013 2721 North Central Avenue - Phoenix, Arizona 85004 - 1-800-308-2318

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ATHENE Benefit 10 - Improved Premium Bonus Vesting Schedule

 

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Our most popular FIA. Improved.   We're making a valuable improvement to the Enhanced Benefit Rider on our ATHENE Benefit 10sm FIA that will make it an even better value for our marketing partners, producers and clients.   The rider includes a 6% premium bonus credited on the date of issue. Effective immediately, the bonus will begin vesting at the end of the first contract year, rather than the third year as stated in the contract. The change will apply to all contracts - including those currently in force. We'll be mailing a revised vesting schedule to owners beginning Monday, August 12. A revised schedule page and disclosure will be provided with new issues. In the box to the right you'll find links to revised marketing materials, which you should begin using immediately. If you have not yet sold ATHENE Benefit 10, remember that you must complete product specific training prior to soliciting it. ATHENE Benefit 10 Product Info Spec Sheet Brochure (most states) Brochure (MN, MO, OR, PA, UT) Current Interest Rates State Availability A company that's refreshingly responsive. How does Athene Annuity make its most popular FIA even better? By listening carefully to your feedback . . . and responding when there's room for improvement. At Athene Annuity, you are a key partner in our commitment to provide fixed annuities that offer superior value to you and your clients. Thank you for your business and your support.   To learn more about ATHENE Benefit 10 with Enhanced Benefit Rider, please contact: Sales Desk 855-4-ATHENE   In Texas, the rider is known as Guaranteed Living Benefit with Enhanced Benefits Rider. Issued by Athene Annuity & Life Assurance Company, Wilmington, DE. State variations apply. Product/features may not be available in all states. Contract contains exclusions, limitations and charges. See annuity contract for complete details.

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Annuity News from Forethought

 

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If you have suggestions or feedback on helping us earn your business, please contact Mike Ebmeier, Senior Vice President, Annuities, at mike.ebmeier@forethought.com.

State Availability (effective 7/22/13) Important News This Week Income 125+ will be available in Illinois on August 12, 2013! The ForeFrontSM Fixed Index Annuity Series has launched!  Announcing changes to the Bonus Advantage Illustration: We've improved the withdrawal capabilities of the illustration.  You can still specify amounts in terms of dollars or as a percentage of contract value, but now you can vary the amount of the withdrawal each year!  You can also defer income activation from 0-20 years of deferral for any scenario or may choose to never activate income.  Just another way we're making the illustration more flexible for you!          To date, ForeFront is available in: AL, AR, AZ, CO, DE, DC, FL, GA, HI, ID, IN, IA, KS, KY, LA, ME, MI, MO, MS, MT, NE, NH, NJ, NM, NC, ND, PA, RI, SC, SD, TN, TX, UT, VA, VT, WI, WV, AND WY To date, Income 125+ is available in: AL, AR, CA, CO, CT, DE, DC, FL, GA, HI, ID, IN, IA, KS, KY, LA, MA, ME, MI, MO, MS, MT, NE, NH, NJ, NM, NC, ND, NV, OH, OK, PA, RI, SC, SD, TN, TX, UT, VA, VT, WI, WV, and WY. Please reference the State Approval sheet for current state availability. Income 125+ and ForeFront forms and marketing materials are available in these states through the Document Library, or log on to www.forethought.com to order new materials. Get ready to sell ForeFront Fixed Index Annuity Series! As with all of our products, you must complete the required product training before selling. Newly contracted agents who have not completed any product training should go to RegEd to complete the required product training. For agents who have completed product training, for a limited time you can complete the ForeFront training by simply reviewing the training presentation here. Upon completion, reply to this email (annuity.services@forethought.com) with your name, agent number and statement that you completed the ForeFront product training. If you have any questions, please contact Annuity Services at 877-244-7526 or simply reply to this email. Helping to Solve Retirement Income Issues 8% commission ages 0-75; 6% ages 76-851 Index Bonus 115SM 15% income bonus on initial premium received (Applied to Guaranteed Lifetime Income Account Value. Not available on cash surrender and does not apply to contract value or death benefit)2 Guaranteed 6% annual accumulation3 on the Income Account Value each contract anniversary for the first 10 years, or until the income benefit is activated if earlier (Not applied to the contract value or death benefit) Grow total death benefit up to 200% of premium less withdrawals (or until age 85, whichever comes first)4 with the Optional Increased Death Benefit Guarantee Rider Guaranteed income for life3 even if your contract value falls to zero after income activation5 Get everything you need to sell this product, from training to marketing materials and current forms, using the Annuity Toolkit! Call your IMO or Forethought's Sales Desk at 855-44SALES (855-447-2537) for more information about Index Bonus 115 today! Forethought Agents should now go to RedEd for product specific training. Please note that if you do no already have one, you will need to create a username and password with RedEd. You can register with RegEd by following the attached link: https://secure.reged.com/TrainingPlatform/ © 2013 Forethought Products are issued by: Forethought Life Insurance Company 300 N. Meridian Street, Ste. 1800 Indianapolis, IN 46204 1Commissions reduced by 1.00% in AK, CT, DE, FL, MN, NV, OH, SC, TX and UT. 2There is an annual charge for the Guaranteed Lifetime Income Benefit Rider, applied monthly to the contract value. 3Guarantees are based on the claims paying ability of the issuing company. 4Optional Increased Death Benefit Guaranteed Rider sets a death benefit floor equal to premium less withdrawals, increased by 5% of premium less withdrawals for each full contract year completed. Total death benefit for the contract is maximum of contract value or death benefit floor at time of death. Available at issue only for ages 0-75. Annual charge applies to contract value. 5Assuming no excess withdrawals. Income 125+SM, Index Bonus 115SM fixed index annuities are issued by Forethought Life Insurance Company, are available in most states with contract FA2001SPDAX-01 and FA2001SPDAX-01 and FA2001SPDAXL-01 (certificate series GA2001SPDAX-01, as applicable). State variations apply. Read the contract for complete details.   ForeFrontSM, Bonus AdvantageSM , fixed index annuities are issued by Forethought Life Insurance Company, are available in most states with Contract FA1201SPDAX-01, FA1201SPDAX-02, ICC11-FA1201SPDAX-01 and FA1201SPDAXL-02 (certificate series GA1201SPDAX-02, as applicable). Read the contract for complete details. www.forethought.com NOT FOR USE WITH THE PUBLIC. FOR AGENT USE ONLY.

This email was sent to: JESSE@SCHAEFERFINANCIALGROUP.COM This email was sent by: Forethought Capital Funding, Inc. One Forethought Center Batesville, IN 47006 We respect your right to privacy - view our policy
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