Jonathan Hind Financial Group

(800) 999-1848

OCTOBER 2013 MONTHLY e-NEWS

Life Updates

Annuity Updates

LTC Updates

Sales & Marketing

Underwriting & New Business

a monthly newsletter from JHFG

MONTHLY SPOTLIGHT

REMINDERS

Effective November 4, 2013, JHFG will no longer accept paper applications on Term Life cases with a premium of $2,500 and less. Term cases within these parameters must be done electronically via ez-Ticket or e-App.

Contact a JHFG New Business Team Member for more information.

(800) 999-1848

UPCOMING WEBCASTS

Topic: ez-Ticket vs. e-App
What's the Difference?
When: Oct 17 @ 2:00pm CDT
Oct 22 @ 10:00am CDT

Join us for a live demo as we explain how ez-Ticket and e-App will:

Ensure your applications are in good order
Save you time & money
Give you more time for prospecting, less time on paperwork
Pay the same compensation, only faster

See our upcoming webcast schedule at www.jhfg.com on our calendar pages.

POWERPOINT PRESENTATIONS

Estate Planning Using Life Insurance

ez-Ticket vs. e-App...What's the Difference?

Click on the images above to watch the PowerPoint Presentations.

SALES STRATEGIES & CONCEPTS

Reduce & Defer:
High-income earners may be hit with higher taxes in 2013 and beyond. Help your clients learn how to manage a higher income tax environment.

Click Here to Order a FREE Brochure!

MISSED LAST MONTH e-NEWS?

September 2013

UPCOMING LEADER CONFERENCES

Aviva

John Hancock

Lincoln Financial Group

Pacific Life

Royal Neighbors

Get rewarded for your hard work!

DID YOU KNOW?

JHFG Offers Referral Bonuses!

Many of our successful producers conitnue to refer GA's to JHFG. As a result, it allows us to spend more time and money on services to you ans less time recruiting.

Contact Erik Young for more information on how our referral program works.

CONTACT US

Jonathan Hind Financial Group
4760 White Bear Parkway
Suite 100
White Bear Lake, MN 55110
(800) 999-1848
info@jhfg.com
www.jhfg.com

Give us a call, We always answer with a live voice!

STAY CONNECTED

For Broker Dealer/Producer use only. Not for use with the public.

LIFE UPDATES

AMERICAN GENERAL

Introduced AG Secure Lifetime GUL II:

Applications received on or before November 8 will automatically receive the old product rates and features unless the new version is specifically requested. Applications received after November 8 will automatically receive the new product rates and features.
Read more...

AVIVA

Global Atlantic Completes Acquisition of Life Business:
On October 2, 2013 - Global Atlantic Financial Group (Global Atlantic), announced that its wholly owned subsidiary, Commonwealth Annuity and Life Insurance Co., has successfully completed its acquisition of Aviva USA's life insurance business following receipt of all necessary regulatory approvals.
Read more...

GENWORTH

Decreased Rates on Colony Term:

Colony Term 10, 15 and 20 rates decrease by an average of 12%.
Read more...

HARTFORD

Reminder of Closure for Life Insurance Products:
As announced the closure of most life insurance products from The Hartford commenced on October 4, 2013. Read more to see a listing of the products.
Read more...

Term Conversion & Contractual Exchange Reference for The Hartford Products:
This document provides an overview and requirements for life insurance products offered through The Hartford that are available for term conversions.
Read more...

ING

Reintroduces ING IUL-GDB:

On September 23 ING re-introduced their ING Indexed Universal Life - Guaranteed Death Benefit (ING IUL-GDB).
Read more...

JOHN HANCOCK

Introduces New High Par Indexed Account:

The new High Par Indexed Account offers an 11% cap (10% in NY)* and a participation rate of 160%.

Lower Face Amounts now Available on Term:

With a new $500,000 minimum face amount, you can now offer John Hancock's fully convertible Term to more of your clients.

LINCOLN FINANCIAL GROUP

Lincoln adds a Fixed Loan option on the Lincoln LifeReserve� Indexed UL Accumulator:

Beginning November 12 newly issued policies in approved states automatically received this enhancement. In force policy owners that did not already receive this enhancement as part of their issued policy will receive a letter and policy endorsement beginning September 16.

MINNESOTA LIFE

Offers New Index Crediting Bonus:

The new index crediting bonus potentially enhances policy distributions by up to 17 percent, and has the ability to increase cash value accumulation potential by 9.2 percent.

PACIFIC LIFE

New Level Commission Option C:

Beginning Nov. 4, 2013, a level commission option, Commission Option C, will be available. Level Commission in First 5 Years, Target-Based Trail in Years 6+, and No Commission Charge back.

Up to 20x Target Premium:

Effective immediately the maximum first year premium limit is increased to 20x Target Premium.

PRUDENTIAL

PruLife Index Advantage UL, PruLife Custom Premier II, ROP Term and UL Protector have been Repriced:

All applications signed and dated on or after October 7 up to or before November 3 and received at Prudential will receive new rates.

TRANSAMERICA

Trendsetter LB and Transamerica Opportunity Program:

If you're not talking to clients about "old term" versus "new term," you're losing out on an easy sales opportunity. Term life insurance with living benefits is one of the hottest sales trends in the industry, and Transamerica offers a product with an accelerated underwriting program to help you sell it.

ANNUITY UPDATES

Aggressive Interest Rates on 3 to 10 Year Products!

- Issue ages 0-90

- Top Rated Carriers

- Competitive Commission Payouts

Click Here for a FREE MYGA Comparison Grid

LTC UPDATES

LINCOLN FINANCIAL GROUP

Flex-Pay MoneyGuard Incentive Program:

Earn an extra 20 points on paid first year target premium AND double PAP credit on all Flex-Pay MoneyGuard cases placed between May 1 - December 31, 2013.

NEWMAN LONG TERM CARE

We have a long standing strategic alliance with Newman Long Term Care dating back to 1990. Newman Long Term Care is one of the largest LTC organizations in the Midwest and is amongst the most knowledgeable in the industry. Our partnership allows us to offer you the best LTC platform designed around you. Team up with 2 of the industry's most respected marketing organizations. Email Erik if you would like to get in touch with Newman Long Term Care or desire more information.

SALES & MARKETING

ING

Needs Analysis Calculator:

Estimate how much life insurance your client needs.

Click Here...

JOHN HANCOCK

Advanced Markets Microsites:

Did you know that the Advanced Markets group provides a full array of microsites to help with your cases? These tools can help you demonstrate the impact of estate taxes, show your clients their potential retirement income shortfall, determine the approximate value of a client's business and more!

PACIFIC LIFE
Understanding Paget's Disease:
Get the lowdown on this chronic bone disorder.
Read more...

PRUDENTIAL

Automation of Older Age Underwriting Requirements:

Effective October 7, 2013, the Senior Assessment Exam and Financial Underwriting Requirements for applicants over the age of 70 will be fully automated.

Choice for Life after Breast Cancer:

Prudential understands that breast cancer survivors can lead long lives after treatment. They want to help you get the life insurance protection your client needs.