MONDAY MORNING MEMO
4/27/2020| Issue 27
NEW PRODUCT LAUNCH ANNOUNCEMENT!

Are your clients looking for an annuity that offers them the highest payouts for lifetime income?
Are your clients looking for a 5% premium bonus?
Are your clients looking for a low .75% fee?

Look no further than the United Life WealthChoice Fixed Indexed Annuity launching today! After three years of deferral, the WealthChoice will allow joint clients to enjoy the highest guaranteed payout possible.

In addition to all of the benefits the WealthChoice offers your clients, IFC has an exclusive contract that allows us to offer you a 7.25% commission on the ten year product.

Sales of this product count towards qualification for our 2021 Elite Annuity Producer Conference in Las Vegas.

Read more about the product here.  To learn how to position this exciting new product with your clients and close more deals, call Jared Taggart at 612-719-9834 or contact us with questions.
CARRIER UPDATES
Blue Cross Blue Shield of Minnesota COVID-19 resources
Simplified directory of information for agents can be found here.
Weekly member emails can be found here.
Updates and FAQ Part 4
MetLife to refund 25% of insured dental PPO premium
The COVID-19 pandemic has resulted in the shutdown of most dental offices for non-emergency services. Customers with fully insured dental PPO plans will receive a premium credit on a future bill in the amount of 25% for the months of April and May, 2020.
Read more here
COVID-19 REOPENING GUIDE
Are you ready to reopen your office?
If you’re like most people, you’ve heard that work places are beginning to reopen or will reopen soon. While we don’t have details on any expected regulation, it should be expected that individual states will begin to provide guidance and regulations. Make sure you’re ready by taking time to become familiar with this Facility Reopening Guide provided by ServiceMaster. The recommendations are based on guidance and regulations from the CDC, WHO and OSHA.
DISABILITY INSURANCE AWARENESS MONTH
Disability insurance is the most misunderstood of all major insurances. That’s why Life Happens created and coordinates Disability Insurance Awareness Month (DIAM) every May. They also provide 120+ resources. Get the resources here .
CONTINUING EDUCATION
Do you need CE credits?
MIIAB is offering high quality CE webinars that you can take from the comfort of your home. Read more here.
REMOTE WORKER INFO
Are you as productive as you should be when you’re working from home?
Watch the, "Staying Productive while Working From Home" webinar from Life Happens with guest speaker and insurance professional Panos Leledakis. It’s available on their Virtual Success Toolkit. Watch the webinar here.
ENTERTAINMENT
Did I read that sign right?
In a laundromat:
Automatic washing machines. Please remove all your clothes when the light goes out.

If you’re like most people during the COVID-19 pandemic, you’re going through a range of emotions. We feel this is a time everyone could use a little humor so we are dedicating this section of our weekly newsletter to provide you with a little comedic relief. If you come across something that makes you smile, send it to us so we can share it. If your joke, saying, picture, etc. is picked, we will send you a swag bag full of IFC gear. Send your ideas here .
COVID-19 RESOURCES
Quickly and easily access all of the COVID-19 resources in one location
Our website is updated as information changes so you don’t have to search for it. Learn more about the Paycheck Protection Program, Economic Injury Disaster Loan, and an SBA Express Bridge Loan. Applications can also be found on our website .
NEWS FOR YOU
What Is Changing For Beneficiaries with End-Stage Renal Disease (ESRD) in 2021?
ESRD, or kidney failure, affects more than 500,000 Medicare beneficiaries. These individuals are not currently eligible to enroll in the Medicare Advantage program but may be covered by an MA plan if they developed ESRD after enrollment or were grandfathered through employer-sponsored coverage. Currently 130,000 people with ESRD, or 25% of the population on Medicare, have coverage through an MA plan.
In early February, CMS issued several pieces of proposed regulatory guidance impacted by this change in the rules around MA enrollment for beneficiaries with ESRD. Read more here.
Are you prepared to host virtual client meetings?
During the COVID-19 pandemic, a lot of people are not willing or able to meet face-to-face. But they still need to visit with their agent. Learn how you can host virtual client meetings and compliantly sell Medicare, life insurance, and annuities. Watch our  videos  on demand or contact us if your agency could benefit from personalized training. We have the tools and resources to make sure you’re still able to serve your clients.
CONCIERGE SERVICES
HAPPY HOUR
Are you looking for ways to grow your business without adding to your workload or fixed overhead? Learn more about our concierge services in a short video here. Contact us to learn how we can help you!
Don't forget to join us each week as we toast one another and share tips, tricks, and support to keep us going in our new virtual world. You will have access to IFC management, producer consultants, our concierge team and company representatives. Grab a drink, turn on your webcam and join our Virtual Sales Happy Hour each Thursday afternoon at 4:00 PM.
WEBINAR SCHEDULE
Learn how to go from "Concept to Commission" with Hybrid LTC
Clients are buying hybrid long term care products at record breaking levels. Join ust to see why AssetCare by OneAmerica and ForeCare by Global Atlantic are two of the best. You will discover why these products are so popular and uniquely positioned to help your clients with their LTC needs now. We will unpack exactly how to use them to serve your clients as you advance from "Concept to Commission".

April 29 | 2:00 PM
April 30 | 10:00 AM
National General COVID-19 Response
Join the virtual seminar as they talk about their response to the COVID-19 pandemic as well as:
  • Small Group traditional level-funding approach
  • Deep dive - Referenced based pricing
  • 51+ solutions
  • Virtual solutions for completing groups
  • Commissions

April 28 | 10:00 AM
United Life Permission Slip Sale
Uncover additional sales by simply asking who or what the money is for. If your clients have under performing safe assets, consider repositioning those assets into a Single Premium Whole Life policy to leave a legacy for their heirs, all while maintaining liquidity with a Return of Premium Rider and a Living Benefits Rider.

May 12 | 2:00 PM
May 14 | 10:00 AM

What will happen to your client?
What will happen to your clients? Die too soon? Live too long? Get sick along the way? AIG can provide life insurance that doesn’t require them to die to use. Learn how AIG’s Secure Lifetime GUL III product can provide solutions for all of your clients concerns.

May 19 | 2:00 PM

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