A Quarterly Newsletter for the Agents of

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1 A Quarterly Newsletter for the Agents of IN THIS ISSUE: Phoenix Personal Income Annuity NEW LibertyMark 7 Plus and SE 7 Plus Two HOT Index Annuities w/10% or 12% BONUS! The Annuity Solution to America s LTC Crisis! Legacy Estate Maximizer Whole Life Product Boost Your Wealth Transfer Life Sales! Partner with an IMO you can TRUST. This Term Product is HEATING UP! The Total Package FE Product GTL s Advantage Plus & NEW Commission Structure on UCT DVH Medico Corp. Med Supp & NEW Level for Life Med Supp Comm. Kemper Home Health Care Plan HOT 2015 IAC Agent Bonus Program NEW Transamerica Premier/Stonebridge Med Supp Are YOU Ready for Med Advantage Season? NEW Substandard Medicare Supplement MED SUPP MED ADVANTAGE MAJOR MEDICAL LIMITED BENEFIT HEALTH PLANS IUL CRITICAL ILLNESS TERM LIFE SHORT-TERM CARE FINAL EXPENSE CANCER PLANS DENTAL, VISION & HEARING ANNUITIES SPWL FOR AGENT USE ONLY. NOT INTENDED FOR CONSUMER USE Western Marketing

2 Pages 2-9 Address Client s #1 Concern With Our #1 Product: Phoenix Personal Income Annuity 3 Great Reasons to Select Personal Income Annuity for Your Clients: 1. Industry Leading Income Whether your clients need Income Today or Income Tomorrow, you can be assured Personal Income Annuity provides top income levels. 2. Income Guarantees That Grow Every Year 1 Bonus each and every year for up to 20 years Income Strategy: Today 145% cumulative Benefit Base bonus by Contract Year 3 versus waiting 5 years or longer Income Strategy: Tomorrow 240% cumulative Benefit Base bonus by Contract Year 10 for future planning needs 3. Over 160 Years of Promises Kept Claims paying ability is important to your clients. It s important to us too! 1. Income guarantee stops growing upon rider exercise. Income Strategy Today rider adds an upfront bonus of 30% of premium and subsequent increases of 7.5% of premium in years 2 and 3 assuming no guaranteed income withdrawals are taken. Income Strategy Tomorrow credits 14% simple interest roll-ups in years 1-10 if no guaranteed withdrawals are taken. Guaranteed withdrawals are determined are determined by Benefit Base and withdrawal factor that varies by issue age and age at rider exercise. These riders are optional and involved an additional fee that is deducted annually from the account value. 2 Guarantees are based on the claims-paying ability of PHL Variable Insurance Company (PHLVIC), Hartford, CT. This is not a short-term or liquid product. Product and riders are subject to state approval and may not be available in all states. For Producer Use Only. Not for sue with the public as sales literature. Phoenix Personal Income Annuity (09EIA, ICC09EIAN, 10FIA and 101SN) is issued by PHL Variable Insurance Company (PHLVIC) (Hartford, CT). PHLVIC is not authorized to conduct business in Maine and New York. Member of The Phoenix Companies, Inc. A The Phoenix Companies, Inc. BPD

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4 Give Your Clients a 10% or 12 % Two HOT Index Annuities Offering: 8.5% Commission 4 10% or 12% Premium Bonus Full Commission Through Age 75 Lifetime Income Rider 10% Penalty-Free Withdrawals Full Accumulated Value at Death Built-in Nursing Home Waiver Call us before your next annuity sale!

5 The Annuity Solution to America s LTC Crisis No Medical Exams Telephone Interview 72-Hour Underwriting Pension Protection Act Compliant Ideal for Prospects who don t want to pay HIGH LTC Premiums! The 2015 Tax Advantages of Annuity Based LTC: 1. Tax DEFERRED Growth 2. Tax FREE Premiums 3. Tax FREE LTC Benefits This is the BEST alternative for those who can t qualify for LTC! Call one of our marketing experts today for more info! 5

6 Legacy Estate Maximizer Last Survivor/Second to Die Whole Life Product Also Single Premium Payment Option ONE POLICY, TWO LIVES, LOWER PREMIUMS, HIGHER DEATH BENEFITS! Wealth transfers are you taking advantages of all the opportunities available? Last Survivor/Second-to-Die Insurance Policies A Last Survivor/Second-to-Die insurance policy insures two lives usually a husband and wife or two individuals with insurable interest (mother and daughter, siblings, two business partners, etc.). The Legacy Estate Maximizer is distinctive whereby it provides coverage for two (2) lives and is payable to the designated beneficiaries only upon the second insured s death. Through policy loans, this plan allows access to cash values for emergency funds during the lifetime of the insured(s).* Advantages of the Last Survivor/Second-to-Die Estate Tax Planning: Couples with large estates may have an estate tax problem. The death of the first spouse passes an unlimited marital deduction to the surviving spouse. Upon the second spouse s death, the entire estate is subject to various forms of taxation (income tax, estate tax, inheritance tax, etc.). Utilizing the Last Survivor/ Second-to-Die provides heirs with federal income-tax free funds and avoids probate fees when the estate taxes are due. Uninsurable Risk: Individuals with poor health may not qualify for traditional life insurance; taking advantage of the Last Survivor/Second-to-Die insuring two (2) lives allows the life insurance company to issue coverage based on the good health of the other individual. 6 Affordability: Last Survivor/Second-to-Die is significantly cheaper than traditional single-life policies. In the case of Last Survivor/Second-to-Die the premium is based upon the joint life expectancy of two (2) lives, the insurance company s risk of paying the policy earlier than expected is lower when the risk is spread over two individuals rather than one. Legacy Estate Maximizer, Assurity Life policy form No. I L 0730: Single Pay and/or Limited 3-Pay, 5-Pay or 10-Pay options available. Keep in mind clients should only use funds that are not needed for daily living expenses. We recommend that clients seek counsel with a qualified tax advisor regarding this policy and their particular tax situation. *Policy loans and accelerated benefits will reduce the death benefit payable. Early-year cash values will be less than the premium paid into the policy. A

7 Boost Your Wealth-Transfer Life Sales Featured Products from EquiTrust Life Insurance Company: WealthPay Life TM For Qualified Funds Spread the Tax Liability SPIA-Paid Premiums WealthMax Bonus Life Index-Linked Returns 12% Premium Bonus Return of Premium WealthSure Life Interest-Sensitive Returns Competitive Commission Immediately increase the values of your client s estate Pass assets generally income-tax free and avoid probate Accelerated Benefits available, if the insured qualifies Simplified Issue decisions within a couple days Call one of our marketing experts today to learn more about this product! 7

8 This Term Product is HEATING UP! 8 WE HAVE THE PRODUCT FOR YOU! CHECK OUT THESE GREAT FEATURES: High Commission This is one of the highest paying Term Life products in the industry. Living Benefits Riders for Critical, Chronic and Terminal Illness included at no extra cost. Non-Med No paramedical exam, blood draws or urine samples. Easy Underwriting Streamlined underwriting offers immediate decision via tele-underwriting service. Competitive Rates Some of the best bang for your client s buck. Quick Issue Know if your client has been accepted within minutes of applying! Coverage up to $400,000 One of the highest face amounts offered by a non-med product! THIS IS THE FUTURE OF LIFE INSURANCE! Call one of our marketing experts today to learn more about this product!

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10 Pages FILL THE GAPS IN YOUR CLIENTS PRIMARY HEALTHCARE PLAN WITH GTL S ADVANTAGE PLUS! Why Advantage Plus? Plan can provide a cash benefit of up to $600/day? The cash benefit can be used to cover out-of-pocket expenses, such as deductibles, co-payments and coverage limits. For as little as $25.54/month* you can offer your clients the financial security they deserve. *Rates based on: age 65, 10 day benefit period, $250/day, monthly pac. Check Out These Great Features: Lump Sum Cancer Rider Skilled Nursing Rider Downloadable Software Simplified JET ISSUE Guaranteed Issue Ages 64 1/2 65 1/2 10 DENTAL, VISION & HEARING POLICY Now paying 26%* level commissions for the life of the policy! *most states AGENT BENEFITS 26% Commission for the life of the policy in most states Simple application and fast issue Issue ages 0-70! Children may be covered under this plan on an individual basis. CLIENT BENEFITS Affordable Rates! Up to $2,500 Yearly Max Benefit No Networks! Choose any provider 10% Household Discount Available Guaranteed Renewable for Life COVERED EXPENSES* Dental services, performed by a licensed dentist, including examination and cleaning, x-rays, fluoride treatment and sealants, fillings, bridges, crowns, full dentures or partials, full mouth extractions, and root canals. Hearing examinations performed by a physician or audiologist, including the cost of the hearing aid and any necessary repairs. Visits to a physician for a basic eye examination or eye refraction, including the cost of eyeglasses or contact lenses prescribed by the physician, up to a maximum benefit of $150 in any one Policy Year. *subject to various waiting periods

11 Introducing a new Medicare Supplement from: Benefits of Selling Medico Corp: Rated A- (Excellent) by A.M. Best Company 22% Commission 12% Household Discount (only need live with someone 18+ to qualify) Amazing Travel Rewards Program Industry-leading E-app Also gain access to Medico s Hospital Indemnity, DVH and Short-Term Care Plans! A new choice from an industry leader! You can continue to receive your commissions as you do today (the traditional method), or choose the new Level for Life option. The benefits of the new Level for Life option include: A higher first year commission of 25%* Level renewal commissions of 15% for the life of the policy! *most states Commission rates can vary by state, age of applicant, and policy type. To learn more, or to see if the new commission structure meets your business needs, contact Western Marketing at and request a copy of the Level for Life Schedule of Commissions. 11

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13 2015 Agent Bonus Program Good for ALL of 2015! STEP 1: Quick Start Bonus FIRST 5 APPS = $400 CASH! Give us 5 Med Supp apps submitted and approved through Individual Assurance Company and you will get $400 CASH! It s that easy! STEP 2: Qualifier Bonus apps 6 25* Apps 6 24 = $50 CASH App 25 = $150 CASH If you write only 25 apps you will receive $1,500 CASH! STEP 3: 2015 Balance Bonus apps 26+** Your bonus: $50 for every fully underwritten app $25 for every non underwritten app Excellent Benefits: Telephonic app complete the sale in 20 minutes or less Speak direct to underwriting to handle your cases Competitive Plan F and Plan G rates and commissions 7% Household discount in ALL states! **Must receive Qualifier Bonus prior to this bonus payout. Except MN or ID. Contact our marketing team for more info. and complete rules! 13

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15 Western Marketing has all the TOP Med. Advantage carriers! Contact one of our Med. Advantage specialists today for more info! 2016 MAPD Certifications and Plan Info. NOW AVAILBLE! Get reimbursed for your AHIP test! Tired of burning your hardearned cash on the AHIP test? If you certify with any of our Medicare Advantage carriers during July or August, and then submit and issue at least ten applications for January 1st effective dates we'll send you a check for $75! Visit our website at or call for more info! 15

16 A Quarterly Newsletter for the Agents of 318 West Huron St. P.O. Box 385 Missouri Valley, IA Phone: Fax: Web: Call one of our marketing experts today to learn more about this product! Help your clients and grow your sales! A+ Rated Carrier Great Commissions Cash Bonus Program New Gym Membership No Certifications Required No E&O Required This product has lower premiums and higher commissions than it s only competition!