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1 Accordia Life Accordia Life Launches New Underwriting Program On May 1st, Accordia Life launched a new underwriting program called Accordia Life Credits, which is a robust, personalized underwriting program that allows a proposed insureds' favorable health factors to improve the underwriting offer. Details available on page 12 of the Accordia Life Underwriting Guide. News on Contracting, Submitting Business, and Updates on What Hasn't Changed From the New Agent Contracting kit to the list of "Business as Usual" processes, Aviva has a lot to share this week. To stay up to date, visit their transition site: Allianz Life Insurance Illustration Backcasting Tool Updated The backcasting tool's hypothetical historical index reports have been updated with new information. Learn more. Score Some Tee Time With the Pros Allianz's annual contest to Play with the Pros at the Allianz Championship began May 1st. Learn more. The New Product Enhancements Are Here Exciting, new product enhancements to Allianz Life Pro+ FIUL policy have arrived, and they make the top selling Allianz Life Pro+ even better. Learn more Join a Webinar on May 8 FIUL web banner ads are now available, giving you another way to market to prospective clients. Learn more.

2 American General Provide Clients with Innovative IRA Wealth Transfer Solutions Learn how to maximize after-tax value of clients' IRA's or eliminate taxes paid on an IRA inheritance. Introduction Video Consumer Brochure Presentation Two Strategies Video Out With the Old, In With the New There are great new premiums on AG Select-a-Term. Significant, competitive improvements were achieved, with reductions up to 10% and sometimes more in popular durations and risk classes. Learn more. Client Unable to Buy Additional Life Coverage? Offer AD&D as an alternative: AG AccidentCare Direct Plus is easy and affordable. Learn more by ing Video Tour Available for Advanced Markets Website The AG advanced markets website has many features, including consumer and producer content, no log in ID or password required, CE credits, sample documents and a searchable reference library. View a short video overview of the site and its resources here. Cost-Effective Life Insurance with Upside Potential and Downside Protection Elite Index II provides cost-effective permanent life insurance with the potential for cash value accumulation, tax advantages and premium flexibility, all wrapped up into one policy. Now available with a new chronic illness rider, choice loan option, and higher cap and participation rates. Top reasons to sell Elite Index II Elite Index II brochure Aviva News on Contracting, Submitting Business, and Updates on What Hasn't Changed From the New Agent Contracting kit to the list of "Business as Usual" processes, Aviva has a lot to share this week. To stay up to date, visit their transition site, New Webcasts Begin April 22nd Learn about the new products that Accordia Life will be launching next month, the Accordia Life Provider and Accordia Life Assure. You can also learn about Accordia Life and get a preview of the new Underwriting Program available on Accordia Life's permanent life products. See the schedule. AXA Equitable It's that time of year: AML is an ever important item to be up to date with. Don't wait. Anti- MoneyLaundering training and CE credit hours opportunity. Details. AXA began accepting applications for their newest product, BrightLife Protect, on April 21st and they're off to a spectacular start. For more information on the launch, and to see how BrightLife Grow stacks up against the competition, click here. Take a good defense and make it great with AXA's Term Conversion play, in which you can opt to add AXA's Long-Term Care Services rider with limited underwriting and no labs or exams. Limited time offer. Learn more. By The Numbers

3 Brought to you by AXA, By The Numbers is an interesting analysis of our industry, the markets, and other topics with an emphasis on analysis by numbers. Learn more. ING Announcing the New Premium Deposit Fund Rider! Details Why is it good for your client? State Estate & Inheritance Taxes 2014 Although the majority of states do not impose any taxes on wealth transfers, there are some states that impose an estate tax and/or inheritance tax. For a producer flyer that lists what states impose these taxes and what they may mean for clients, click here. How Life Insurance May Add to Your Retirement This new consumer brochure provides an overview of the many ways that cash value life insurance can help with clients' retirement planning - providing a financial defense against both the expected and unexpectedview brochure. John Hancock LTC Captivate Brainshark on LTC Sales Insider With LTC Captivate, you have the ability to overcome logistical and geographical obstacles with selling LTC insurance. To learn more about this web selling platform, click here. Legal & General America The Extra Might Beat the Great Rates OPTerm rates are in the top 5 in 98% of cells across all bands, term lengths and rating classes, for both men and women. But, with LGA, you get value beyond just price. To learn What More Do You Get from LGA and OPTerm, click here. Scratch the 30-Year Itch Not many carriers scratch it. At LGA, OP Term is competitive in all underwriting classes. Back by popular demand, these flyers have been updated with Gen X and Gen Y examples for $500k and $1MM face amounts. click here Lincoln National Lincoln Keeps Innovation at the Forefront Lincoln is pleased to announced the new Lincoln LifeReserve Indexed UL Accumulator (2014) effective May 12, and is pleased to share the details for upcoming enhancements to Lincoln Lifetime Income Edge, a guaranteed withdrawal benefit available with a Lincoln fixed indexed annuity effective May 15. Learn about LifeReserve Indexed UL Learn about Lifetime Income Edge Lincoln Investment Advisors Market Commentary Click here for a brief client-approved recap of Lincoln's observations on markets and volatility for the first quarter of 2014.

4 MetLife Customize Your Whole Life Presentations According to LIMRA, the majority of producers who own tablets use them in the education and sales process with clients. MetLife's own research uncovered a common theme: It can be as difficult and complex for producers to explain all the intricacies of whole life as it is for clients to absorb and understand. The Whole Life Up Close app can help you interactively show whole life concepts and the impact they have on policies. Learn more. White Paper - Price vs. Value A new white paper from bobby Samuelson and Susan Pierce explores price vs. value with lifetime death benefit guarantees in VUL policies. Learn more. Latest Edition of the BOSS Newsletter Articles include "Pass Thru Business Entities-Sales Opportunities Abound", "Retirement Plans for Small Businesses" and Mult-Owner Firms are Great Prospects for Disability Buy-Out Sales". View BOSS Newsletter. Underwriting Updates From capacity and retention updates and new APS guidelines to revisions to more favorable medical underwriting guidelines for underwriting depression, your MetLife Underwriting team's been busy. Capacity, Retention and APS guidelines Capacity, Retention and APS guidelines Medical Underwriting Guidelines for update Depression update Minnesota Life Term Life is Getting a Brighter Future On May 19th, Minnesota Life is lighting up your term life business by enhancing new Advantage Elite Select policies. Enhancements include a new Benefit Distribution Agreement, which guarantees an income stream for clients' beneficiaries, and lower Express Issue minimum on 10 and 20 year plans, among other enhancements. Summary of Enhancements Join a Webex on May 22, 1pm Central, to learn more Eclipse IUL is Eating Up the Competition When comparing IUL policies, special attention should often be paid to how well the policy performs during distributions, as this is often the primary objective of an IUL policy holder. For a new comparison of IUL policy distributions from Minnesota Life, click here. Mutual of Omaha FIT Pushed to a New Level Fit Underwriting credit program increased maximum face amount to $5MM. Learn about the enhancements Comparing Chronic Illness vs LTC Riders There are many nuances and differences between Chronic Illness and LTC riders. To see a recently published comparison from Mutual of Omaha, click here.

5 Nationwide Let Nationwide Help You Tap into Executive Benefit Opportunities 54% of businesses without executive benefits have never been approach, which means there's a big opportunity, and Nationwide can help you tap into it. Learn more. Nationwide Life Illustrator: Illustrating Products, Riders and Sales Ideas Join an upcoming Nationwide Retirement Institute webinar. Key topics will include how to illustratenationwide YourLife GUL and IUL, the Extended Death Benefit Guarantee rider and much more! May 6 2pm ET Learn more Protective Life Lab Results Now Available Via Inside Look Online by ExamOne Beginning May 2, life insurance applicants can convenient access lab results using Inside Look online by ExamOne. Learn more. Maximize Life Policy Review Meetings with Protective's Life Check-Up Program The Life Check-Up program offers simple tools that help agents pinpoint opportunities for changes that will benefit their clients. Learn more. Is a level-term policy really the best option for clients who need short-duration life insurance coverage? What if clients realize they still need life insurance coverage but the amount they need has lessened? Protective Custom Choice UL is a solution that offers decreasing coverage without an increase in out-ofpocket cost as clients age. Learn more. Prudential Good Things are Blooming at Pru The new ekits for the PruTerm One and even better VUL protector are now available. VUL Protector now has more affordable premiums and greater cash value growth potential and the PruTerm One is an annually renewable, convertible term insurance policy for temporary protection needs. VUL Protector ekit PruTerm One ekit Three New Advanced Marketing Client Brochures Three new client brochures are now available focusing on asset repositioning strategies for the wealth transfer marketplace. Dynasty Trust Zero Estate Tax Planning Leveraged Gifting SBLI SBLI Whole Life illustrations Now Available on Winflex SBLI is pleased to announce that their new suite of whole life products and riders are now available for illustration on WinFlex. With strong guaranteed cash values, a comprehensive range of riders to meet your clients varied needs, and dividends issued by a company with an outstanding actual vs. projected dividend

6 history, it is only fitting that their exceptional whole life lineup be included on this industry-leading illustration platform. To begin illustrating SBLI whole life products, request access via your WinFlex web sign-on. Their team will review and approve your request promptly. You will receive an confirmation once they've approved your access. Their term products continue to be available for quoting on ipipeline, Compulife, and VitalTerm. Feel free to call them at with illustration questions. For WinFlex technical support, call Symetra Are Your Clients' Life Policies Keeping Up with Their Dynamic Lives? Change is inevitable. The dynamics of lie will often require your clients to reassess their personal needs, as the things that once suited their lifestyles don't necessarily suit them now. A routine assessment of their life insurance needs should be no different. Help your clients complete a routing life insurance policy review and make sure their existing coverage still meets their current needs. Learn more. Clients Can Earn Credits for Healthy Habits Symetra GoodLife Rewards is an underwriting crediting program designed to reward clients age 70 or younger for their good health by upgrading them to better underwriting classes. Learn more. Benefits of Trust Planning in New Tax Paradigm Life insurance can be an effective vehicle for increasing the wealth that passes to your clients' beneficiaries. But with a life insurance policy properly structured in a truest held outside the estate, their assets can work even harder. Success Story Brainshark Presentation Symetra's 2013 Corporate Report Want to learn more about Symetra's progress and performance in 2013? Symetra President and CEO Tom Marra shares the results, and their plans for 2014, in their latest corporate report. Learn more. Transamerica New Foreign Nationals Resources a Click Away Transamerica offers an unparalleled combination of products, materials and expertise to help you succeed in the Foreign Nationals market. Their experts understand the needs of your global citizens. Here are just a few of the flyers, brochures and presentations that will help you understand the Foreign Nationals opportunity: Producer Checklist Strategy Summary Underwriting Guidelines Country Code Chart ACE Interest Rates are Changing Week of May 5 Estate Planning Flowchart US Estate and Gift Taxation Reference Guide

7 Worth Article Producer Presentation Threshold interest rates have increased 15 basis points for TransACE 2013 and TransACE Survivor To view threshold rates click here. Worth Article Producer Presentation Threshold interest rates have increased 15 basis points for TransACE 2013 and TransACE Survivor To view threshold rates click here.