(800) 834-7937
Though 2020 has been a challenging year, we rose above it and remained steadfast in our mission to be here for you. We know there are still difficult months ahead and we’re committed to helping you through this period.

We work with a lot of carriers, nearly 50, and they are continuously adjusting their course to remain competitive and resilient. We stay abreast of these changes and adapt accordingly. Rest assured that your clients have access to the best coverage the market has to offer.

In addition to maintaining a portfolio of quality insurance products, we continuously audit our compensation, service, sales tools, and training/development. We value our partnership with you, and your success as a top-tier insurance advisor is paramount to our longevity -- 53 years and counting!

We truly appreciate your business and look forward to working with you in 2021!
Warm wishes for a prosperous and healthy New Year!
View our Current Annuity Rates
at end of this email.
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As of 12/1/2020

Our Advance Compensation program is for NEW Term and UL policies sold through Protective and Legal & General.

North Carolina's Department of Insurance Extends CE Deadline

All NC licensed insurance producers whose Continuing Education (CE) compliance period ended: July - November 2020 (based on birth date) have until December 31, 2020, to meet the state-mandated CE requirements.
Noteworthy Briefs
Securian: Participation guidelines effective January 1 through March 31, 2021. CLICK HERE for details. 

Mutual of Omaha: Income Advantage and Life Protection Advantage are now available on the iPipeline e-Application system.

Global Atlantic: Fast Lane Underwriting change for UL and IUL, ages 18-50: up to $2M, 51-55: up to $1M, 56-60: up to $500K.

Legal & General: Explore their faster, better online application experience made for the next generation of customers.
Penn Mutual
Meet Protection UL & Get
the Latest Term Updates
Date: Monday, January 4, 2021
Time: 12:00 noon, ET

  • An introduction to Protection Universal Life (PUL):
  • Competitive advantages
  • Positioning with clients
  • Sales applications
  • Resources and tools
  • A walk through the pricing changes effective January 4 for:
  • Guaranteed Convertible Term (GCT)
  • Protection Non-Convertible Term (PNCT)
  • Special considerations for the sale of PUL, GCT and PNCT in all states, including New York.
American National

So You Want to Sell Pensions (Part 1)
A new three-part series; from Prospects to Plans and learn how you can build your practice and your bottom line with Business Owner Retirement Plans. They will be covering topics like how to talk to business owners, who makes a good fit for a certain plan type, how to present illustrations to the client, how to set up a plan and start making contributions.
Date: Wednesday, January 6, 2021
Time: 12 noon, CST

Safe Harbor 401(k) Plans
A 30-minute webinar on 401(k) plans designed to meet your business owner’s retirement goals.
Plus learn how you can help your business owners save on their current taxes and still provide tax free income at retirement.

Date: Wednesday, January 20, 2021
Time: 12 noon, CST

Training Webinar
2021 Hottest Products - Life AND Annuities
Tuesday, January 12, 2021 10:00 am, CST

North American
Help Grow Your Life Insurance Business
Join North American and Red Zone Marketing for a three-part series on attracting and securing new clients, prospecting, and generating new referrals. One webinar each month could help shape the way you approach growing your business. Register for all three today -- the first one is January 12, 2021.

Carrier Sales Aids
Mutual of Omaha
IUL's Reimbursement LTC Rider

The LTC Rider on its Income Advantage IUL and Life Protection Advantage IUL follows what is known as a reimbursement rider model. Many other companies use an indemnity model. Knowing the difference is important.

Read the Indemnity vs. Reimbursement Sales Idea flyer ,recently updated with the new 2021 per diem limits, to understand the differences, to see case studies of how the models impact the maximum benefit limits and the duration of benefits, and a comparison of rider models used throughout the industry.

For even more information on our new LTC Rider, visit MutualofOmaha.com/ltc-rider.
'Tis the Season to Sell Sage Term

These winter months create opportunities to help your clients meet their goals with affordable coverage for 10, 15 or 20 years. Let the planning begin:

People are getting engaged. The most popular days for marriage proposals are Christmas Day, Christmas Eve and New Year’s Day. It’s a perfect time to send congratulations and schedule a policy review. 

Couples are getting divorced. The New Year always ushers in the highest rate of annual divorce filings. Spouses who become single parents may need additional insurance to protect their children.

New home sales will rise in 2021. Single-family construction starts are expected to increase to 940,000 in 2021, which is the highest level since 2006. Affordable term insurance is a great way for clients to protect what may be their largest investment.
Legal & General
Perfect Gift:
Insure your love. Life insurance is essential when it comes to protecting your family’s financial future. Find out the real cost and get covered.

UL Sales Idea
Since SecureCare Universal Life’s maximum payment age is now age 80 in most states, this allows older clients to take advantage of longer payment duration options and — potentially — a new premium funding strategy. If a client doesn’t need to rely on required minimum distributions (RMDs) from their qualified accounts for retirement income, they could use their RMDs to fund SecureCare. If you have older clients who are late to the long-term care (LTC) planning game, then this is a sales idea you’ll want in your repertoire!

2021 e-Pocket Tax Tables
All the relevant tax numbers for 2020 and 2021, plus information on tax brackets, payroll taxes and much more.

Carrier Promotions

American National: Annuity & Life Bonuses
September 1, 2020 – December 31, 2020

Annuity Sales: $100 Per Policy:
Earn an extra $100 per policy bonus on each annuity policy that originates in the new ExpertApp electronic annuity application.

Life Sales: $25 Per Policy
Earn an extra $25 per policy bonus on each life policy that originates in the ExpertApp electronic life application and an additional $100 if it’s your first time submitting a life application through ExpertApp.

Earn a Life Sales Bonus With Signature Performance IUL.
Click HERE to learn more.

For each product category, minimum 4 policies to qualify for any bonus and maximum $3,000 bonus.
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 between October 1, 2020, and December 31, 2020... READ MORE
Want to refer back to a previous digital update?
Go to the bottom right of our home page (www.gpagency.com) for previous issues of our digital updates.
(800) 283-8376