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Professional Life Underwriters Services (PLUS), 2155 Butterfield Dr., Ste. 102 South, Troy, MI 48084 www.plusonweb.com (800) 887-7587

Quote of the Week
" You may be disappointed if you fail, but you are doomed if you never try. "
- Beverly Sills

Inside This Issue

1. AXA - New! New Term Product
2. West Coast Life - New! Updates to Focus Term Series
3. PLUS  
• 1/28 - LTC CE Seminar
• Contest: $250 for 5 Applications
• Life Quick Request Teleconference Training
• 1/19, 1/26 & 2/2 - Disability Sales Training
• Sales' Coaching Available 2/16/10 - 5/11/10
• Paperless Application System Available (iGo)
• Carrier Bonus Available
• Recent Re-pricings
• Sales Idea of the Week     
4. Important Annuity Information
• New! Current Annuity Rates
• Cash Bonus Incentive
5. Important LTC/DI Information  
• New! 1/19- Mutual of Omaha LTC Teleconference- "LTCi Basics"
• LTC Sales Tip from Mutual of Omaha
• Hancock LTC marketing materials changed at year-end 2009
• Federal LTCi Plan Comparison Available
• Earn up to 60% IDI compensation
•   LTC Training Requirements by State – Be Prepared!
6. Members of TAC Insurance Group  
• Professional Life Underwriters Services
• Action Benefits
• Association Benefits

AXA
New! New Term Product
Term Series 151X will be replacing Term Series 150 on January 18, 2010. The follow adjustments are being made to the level term rates:

o Many female premiums will be lowered.
o Small increases will be made to some male rates on the 15 and 20 year series.

AXA has also raised the minimum face amount from $500,000 to $1,000,000 for their term products.

Transition Rules: In jurisdictions where Term1Series 151X is approved, applications received by Farmington New Business between January 18, 2010 and February 18, 2010 may be submitted for the current Term Series 150 or for Term Series 151X. If Term Series 150 is desired, it must be noted on the application. Applications in these jurisdictions received after February 18, 2010 will be eligible for Term Series 151X only. Additional state approval updates and transition rules will be announced as they are received.

West Coast Life
New! Updates to Focus Term Series
Effective February 1, 2010, West Coast Life will be making changes to their Focus Term Series. Click here for more information.

PLUS
1/28 - LTC CE Seminar
On Thursday, January 28, PLUS will be hosting a CE Seminar on LTC planning. Click here for the details and to register.

Contest: $250 for 5 Applications
You can get paid $250 cash for getting 5 paid cases using the Genworth Life Quick Request (LQR) online application process starting 1/1/2010. Click here for the details and for a demo of the application, click here.

Life Quick Request Teleconference Training
Join PLUS and Genworth on 1/15, 1/22, or 1/29 for a teleconference training on how to use the Life Quick Request Online Application. The call number is 1-866-692-3582 and the access code is 4320773. See below for other sign-in details:

1/15-
Time: 9:00am-9:30am
Attendee URL: https://securemeeting.genworth.com/meeting/04893385
Password: fouLg818

1/22-
Time: 9:00am-9:30am
Attendee URL: https://securemeeting.genworth.com/meeting/37367268
Password: ZxZpy7GO

1/29-
Time: 9:00am-9:30am
Attendee URL: https://securemeeting.genworth.com/meeting/06915077
Password: 7Yq08Cmb

1/19, 1/26 & 2/2 - Disability Sales Training
Click here for details and to register.

Sales' Coaching Available 2/16/10- 5/11/10
PLUS will be offering sales coaching again through Sales Coaches' Corner. Click here for details and to register.

Paperless Application System Available (iGo)
You can access iGO paperless application system through the PLUS website under Forms. To learn how to use this incredible paperless system register for a WebEx offered every Tuesday and Thursday at 3pm. To register, go to http://www.ipipeline.com/iGo/iGO-demo-reg.php.

Carrier Bonus Available*
SunLife - 10% Commission Bonus on Sun Universal ProtectorPlus cases paid by 1/31/10! Click here for details.
*In addition to PLUS' Premier Producer Program

Recent Re-pricings
ING - ROP Term Rate Change
ING changed their ROP Term rates on 1/1/2010. Click here for more information.

SunLife - UL Repriced on 1/1/10
On January 1, 2010, SunLife repriced their UL No-Lapse Guarantee Portfolio. Click here for more details.

Sales Idea of the Week
Do you have clients who are putting off their estate planning due to the current economic times, or they don't have enough gift tax annual exclusion available? Prudential has the Solution. Their term products, both Essential and Elite, can be converted to their SUL Protector contract. Click here for more information and for a quote, contact the marketing team at 248-603-3524 or plusmarketing@plusonweb.com.

Important Annuity Information
New! Current Annuity Rates
Click here for the most current annuity rates.

Cash Bonus Incentive
American National is offering a Cash Bonus for the total of all fixed annuity business written and paid between January 1st & April 30th, 2010! See below for details:

This offer may not be available in all distributions. Contact PLUS to confirm eligibility. Cash Bonus is non-cumulative and only paid to the writing agent.

Important LTC/DI Information
New! 1/19- Mutual of Omaha LTC Teleconference- "LTCi Basics"
Learn about the basics of LTCi (what it is, how it works, who needs it and why you should be selling it) on Tuesday, January 19, 2010 at either 9 a.m. or 3 p.m. Central Time. Just dial 1-877-511-4819 a few minutes before the teleconference is scheduled to begin and mention "long-term care training" to the operator.

LTC Sales Tip from Mutual of Omaha
Click here for Mutual’s Sales Tip of the Month.

Hancock LTC marketing materials changed at year-end 2009
On 12/31/09, John Hancock Life Insurance Company merged into an existing affiliate, John Hancock Life Insurance Company (U.S.A.). As a result, new LTC materials and forms are required. Please contact our LTC Department for updated applications and brochures if you store these materials. 1-800-887-7587 ext. 3508 or email us at LTCandDImarketing@plusonweb.com.  Tell us whether you want a PDF or hardcopy, and mention quantity if the latter.

Federal LTCi Plan Comparison Available
John Hancock has published a comparison of the Federal plan (which they underwrite) with their individual plan, Custom Care II Enhanced.  Be prepared for questions from your federally-employed clients, or contact our LTC Department for assistance.

Earn up to 60% IDI compensation
Principal Financial offers up to 60% individual disability income compensation along with excellent products and underwriting. Click here for more information.

LTC Training Requirements by State – Be Prepared!
LTC State-Mandated Education Requirements
Requirements are changing frequently as more and more states adopt LTC Partnership Programs as a result of the Deficit Reduction Act of 2005 or of the NAIC Model Regulation. If you need CE credits, why not take your state’s 8-hour LTC course and be ready? For current information from ClearCert about your state’s specific requirements, click here. For Michigan, some carriers have specific requirements (Genworth, Hancock, MoneyGuard). Please see the PLUS website for those carrier requirements, or contact our LTC Team at LTCandDIMarketing@plusonweb.com.

Members of TAC Insurance Group
- Professional Life Underwriters Services is a full-service General Agency that offers a large selection of individual insurance products while providing exceptional services to the insurance brokerage community. Visit us online at www.plusonweb.com.

- Selling Blue Cross Blue Shield of Michigan/Blue Care Network (BCBSM/BCN) business or need help?  Action Benefits has been BCBSM/BCN’s premier Managing Agent for 14 years and counting!   For more information, visit us online at www.actionbenefits.com.

 - Services, Savings, Solutions, Simplicity! Providing key administrative services and additional benefits to both you and your Blue Cross Blue Shield of Michigan/Blue Care Network (BCBSM/BCN) clients at no additional cost.  Visit us today at www.association-benefits.com.