`.

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

Quote of the Week
" Often greater risk is involved in postponement than in making a wrong decision. "
- H.A. Hopf

Inside This Issue

1. West Coast Life - Reminder: Updates to Focus Term Series
2. 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     
3. Important Annuity Information
• New! Current Annuity Rates
• Cash Bonus Incentive
4. Important LTC/DI Information  
• New! 2/16- Mutual of Omaha LTC Teleconference- "Real Life Stories"
• New! 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!
5. Members of TAC Insurance Group  
• Professional Life Underwriters Services
• Action Benefits
• Association Benefits

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 PLUS has a carrier that will refund all premiums on a SUL policy? For more information, contact the marketing team at 248-603-3524 or plusmarketing@plusonweb.com.

Important Annuity Information
New! Current Annuity Rates
No change in rates from last week, unlike the stock market where the DOW Jones has been negative for four weeks in a row. Having a guaranteed consistent rate is a welcome change for customers and annuity rates are better than the typical CD rates the banks are offering. Happy selling!

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! 2/16- Mutual of Omaha LTC Teleconference- "Real Life Stories"
Hear from real people who've had a long-term care situation and learn how their LTCi policy made a difference on Tuesday, February 16, 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.

New! LTC Sales Training session 2/18/10
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.  Click here for details and to register.

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.