IIANC's Annual Convention was October 5th & 6th
We enjoyed being a part of the virtual conference.


If you missed our video click HERE to view.
Introducing the Sons of Norway!
Yep, that's their name. A fraternal order that has been providing life insurance for 120+ years for its members is now expanding its market and we love their competitively-priced GI Whole Life (0-85).

North Carolina's Department of Insurance Extends CE Deadline

Licensees whose continuing education requirements were due in March, April, May, June, July, August, or September 2020 have been given an extension until October 31, 2020, to complete their CE requirements.
GPAgency's CE Programs
(in-class or online)
NC agents, don't miss out on these programs. There are NO Tests!
Note: the in-class option is limited to 12.

Click on the links below to learn more about these upcoming classes and to register/pay.

October 20 @ 1:00 pm – 4:00 pm

November 17 @ 11:00 am – 3:00 pm

December 15 @ 11:00 am – 2:00 pm
November is LTC Awareness Month!
We just had Life Insurance Awareness Month and traditionally heightened interest continues through October. This has been a difficult year, so we recommend that you keep pushing strong until the holiday season. That said, there has been increased interest in long-term care coverage. Make sure your clients fully understand what Medicare and Medicaid do and don't cover. See the prospecting letter that is included in our 2020 LTC Resources.
Fish Where the Fish Are:
How to Find Your Next Lead Online

Great article from Pacific Life:
The marketing landscape in 2020 looks vastly different than it did even a few years before. Where it used to be enough for a business to have a website or Facebook page, you risk being left behind if that's the only place you're marketing your business today. READ MORE.

Note: Pacific Life increased the PL Promise GUL face amount limit to $3.5 million effective September 21, 2020. 
Noteworthy Updates

  • Upgrade to Vitality PLUS before the window closes. John Hancock Vitality GO clients have a 25-month window after policy issue to upgrade to Vitality PLUS and enjoy the full benefits.

  • Nationwide Insurance - CareMatters: They are seeing an uptick in hybrid products. Features: cash indemnity, 90 day EP retro back to Day, highest residual DB in the market; Pricing: See Comparisons. Process: approving 82% of cases (7/31); can complete from app to placement digitally. See available Marketing Resources.

  • Lincoln's 2020 Year-end Underwriting & New Business Guidelines. Click HERE to view.

  • L&G announces new term rates effective as of October 8th for terms from 10 to 40. Click HERE for their term webpage.
Carrier Sales Aids
Principal's Business Needs Online Assessment Tool – give it a try
Answering a few questions about their overall business and priorities could uncover ideas to help them improve their financial well-being and reach their business goals.
RIP Stretch IRA:
A Life Insurance Alternative
Ohio National: Did you know that the Cares Act has essentially eliminated the “Stretch IRA”? Did you also know that for the right client profile, this makes Life Insurance a great alternative strategy?

Securian:
What Happened to Traditional LTC?
Why linked-benefit products are worth the hype — and why they could be the LTC solution your clients have been looking for. 
AIG's Chronic Illness Rider
– the Accelerated Access Solution®
Available on specific IUL and GUL policies and has two important updates:
  • Removal of permanency requirement for qualifying conditions
  • Increased lifetime maximum benefit to $3M (up from $1.5M)
They want to remind you, NO LTC certification is required to sell Accelerated Access Solution (AAS).

Carrier Promotions

Get Ready for More Rewarding Term Conversions
It will soon be more rewarding than ever before when you help a client convert an existing term policy... READ MORE

Cited Resources in Previous Emails
(800) 283-8376