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December 2012

Featured Article

“Indexed Universal Life: Mechanics and Capabilities” — Special AALU Quarterly White Paper

As more insurance carriers enter the indexed universal life (IUL) marketplace, it’s becoming increasingly important to understand IUL and all of its complexities. You’ve probably heard the buzz around IUL, but do you know how to establish suitability for your clients? Knowing when IUL is the right fit is crucial. Read this IUL white paper, which was published in the fall edition of AALU Quarterly. Written by Celeste Moya, assistant vice president of Product Management at NFP, it provides in-depth IUL product knowledge and analysis. Don’t forget to email it to your advisors through the Marketing Resource Library, so they can be prepared to discuss IUL with clients.


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Member Firm Profile

Greg Acosta

Jeremy Conover

Executive Benefits Programs, Inc.

An interview with Greg Acosta, President, and Jeremy Conover, Vice President

“Believe in the power of a life insurance policy. It’s not about making a sale. It’s about what you can do to help people with the products you have.” — Greg Acosta

Carrier Spotlight

Nationwide
2013 Life Insurance Product Update ››

2013 AG38 Changes ››

Understanding Variations in Long-term Care and Chronic Illness Riders ››

Life Insurance Illustration — Nationwide YourLife No-lapse Guarantee UL ››

Life Insurance Illustration — Nationwide Your Life Indexed UL ››

Extended Death Benefit Guarantee Rider
Rick Sanderson, Nationwide

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“Caring is a powerful business advantage.”
—Scott Johnson

One Great Idea

How do you plan to spend the holidays?

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November Poll Results

What information would help you prepare for 2012 year-end and 2013?

Poll Results

Planning tips for year-end and 2013

Product Updates
Upcoming
1/1/13	Pacific Life – Flexible Duration, Medium Duration and Lifetime No-Lapse Guarantees Riders – Reprice Aviva – Guarantee UL Solution & Advantage Builder w/NLG Rider – Reprice Aviva – Survivorship Builder w/NLG Rider – Reprice Nationwide – YourLife No-Lapse Guarantee UL – Reprice Nationwide – YourLife No-Lapse Guarantee SUL II – Reprice American General – AG Secure Lifetime GUL, AG Secure Survivor GUL & AG Choice Index GUL – Reprice
1/2/13	John Hancock – UL-G ’13 and SUL-G ’13 – Reprice

Find the most recent product updates in ProductExpert.

November 2012 Veralytic Rating Downgrades/Watch-list

Outstanding Accomplishments

Once again, we’re proud to recognize the achievements of PartnersFinancial members who have gone above and beyond to make a difference in our industry and their communities. Congratulations to:

Gary Bottoms, President, The Bottoms Group – Marietta, GA, “Citizen of the Year”

Kyle deVries, Principal and Founder, deVries Financial – Named “Most Trusted Advisor” by the San Fernando Valley Business Journal

Insurance Resources

NFP Underwriting’s ALU Exam Study Groups — The First Step to Success
The first step in preparing for Academy of Life Underwriting (ALU) exams is to choose a study method that helps increase your chance of success. NFP Underwriting’s ALU exam study groups make the difference with an efficient educational framework and exceptional resources to help you get results. Past students benefited greatly from the study groups — and so can you!

Perspective on IRS Form 4506-T
Tax returns, W-2 forms, income statements and financial supplements, all signed by a tax attorney or CPA, as well as bank statements, have all been acceptable third-party verification of finances for insurance coverage. However, carriers are increasingly trending toward the use of Form 4506-T as a more reasonable and secure basis for ensuring reliability, accuracy and consistency of the information provided by the applicant. Learn more.

Updates to ProductExpert
We are continuously updating our product tool, ProductExpert. Check it out to see what risk classes, ages and solves we’ve added. If you missed our most recent tool overview, be sure to listen to the recorded call in “Broadcast Solutions” in the Product section.

Year-end Resources
View “Carrier year-end Guidelines” for important year-end information. Also, check out the “Life Product Transition Rules Grid” for recent and upcoming product changes.

Superior Mobile Insurance Solutions Update

As part of an ongoing brand enhancement effort, Superior Mobile Insurance Solutions updated the co-branding landing page for NFP valued agents. The landing page provides a quick and easy way to get to know about the NFP/Superior Mobile paramedical partnership and to establish an online account for ordering exam requests. Check out the NFP/Superior Mobile Insurance Solutions landing page.

Business and Productivity

MRL Case #005: Need to Extend Your Firm Brand? You Need MRL
Looking for ways to extend your firm brand? The Marketing Resource Library’s (MRL) advanced customization options allow you to customize and brand documents by adding “About the Firm” content. Learn more.

2013 Life Insurance Trainings
Starting in 2013, life insurance trainings will have Voice Over Internet Protocol (VoIP) audio, so you’ll have the option to call in or simply turn your computer speakers on. Need to ask a question using VoIP? It’s easy — just use the WebEx chat feature or use a microphone connected to your computer.

Review 2013 Training and Education offerings.

January 10 — “Marketing for a Case Study,” Presented by AXA

January 15 — Carrier Training Call – Pacific Life ››

January 16 — PartnersFinancial Basics Training ››

January 17 — “Underwriting Prostate Cancer, Part One” ››

January 23 — “Mending a Broke ILIT” — Pacific Life Professional Webinar Series

January 29 — COLI/BOLI Training ››

January 31 — “Underwriting Prostate Cancer, Part Two” ››

March 6 – 8 — 2013 NFP Strategy Summit — PartnersFinancial Spring Conference ››

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