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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
" The crisis of today is the joke of tomorrow. "
- H.G. Wells

Genworth Financial Companies' Webinars:
An Innovative Alternative Solution to Term Life Insurance - Colony^SM Term UL
Please join  and Genworth Financial for an insightful webinar designed specifically to educate you on this affordable and flexible product for your clients!

          Date: February 9, 2010
          Time: 1:00pm - 2:30pm EST 
          Presenters: Todd Wolfe & Brian Bulakites

Spaces are limited. Please RSVP by providing your name, email address and agency name to: Victoria Reese
victoria.reese@genworth.com by February 4, 2010.

Sign in information will be sent to the email address that you provide with your RSVP.

We look forward to having you on the call!

Inside This Issue

1. American General - New! Introducing Elite Transition UL
2. Lincoln National - New! Lincoln LifeGuarantee UL 2009 Improvement Coming Soon
3. MetLife
• New! New Double Your Coverage Program
• New! Updated Condensed Underwriting Guide
4. West Coast Life - Reminder: Updates to Focus Term Series
5. PLUS  
• Contest: $250 for 5 Applications
• Sales' Coaching Available 2/16/10 - 5/11/10
• Paperless Application System Available (iGo)
• Sales Idea of the Week     
6. Important Annuity Information
• New! Current Annuity Rates
• Cash Bonus Incentive
7. Important LTC/DI Information  
• LTC Sales Training session 2/18/10
• LTC Sales Tip from Mutual of Omaha
• Federal LTCi Plan Comparison Available
•   LTC Training Requirements by State – Be Prepared!
8. Members of TAC Insurance Group  
• Professional Life Underwriters Services
• Action Benefits
• Association Benefits

American General
New! Introducing Elite Transition UL
On March 1, 2010, American General will be introducing their Elite Transition UL, a conversion-only product, which will accept conversions from term policies beyond the fifth anniversary. Click here for more information.

Lincoln National
New! Lincoln LifeGuarantee UL 2009 Improvement Coming Soon
Effective February 15, 2010, Lincoln will be improving single-pay Coverage Protection Guarantee performance on the Lincoln LifeGuarantee UL 2009 product, for both new and inforce customers. Click here to learn more.

MetLife
New! New Double Your Coverage Program
MetLife has launched the Double Your Coverage program to help producers offer many of their clients additional life coverage with minimal paperwork and potentially no medical exams or lab work.  Click here for details on this limited-time offer.

New! Updated Condensed Underwriting Guide
Click here for MetLife's updated condensed underwriting guide.

West Coast Life
Reminder: Updates to Focus Term Series
As of February 1, 2010, West Coast Life has made changes to their Focus Term Series. Click here for more information.

PLUS
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.

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.

Sales Idea of the Week
Did you know that you can improve cycle time by choosing the right carrier for your depression case? For more information, 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. The Rate went up by .15% on the 5 year and .05% on the 8 year period. Remember to look at American National Annuities to EARN MORE CASH …

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
LTC Sales Training session 2/18/10
Save the date!  Our series continues with Tracey Raedle of Genworth LTC returning to our Troy office Thursday morning 2/18 with “LTC Case Studies.”  We’ll also review content from the November sales training sessions.  More details soon.

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

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.

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.