FIRST AMERICAN NATIONAL Investment Advisors, LLC. (FANAdvisors) is an SEC Registered Investment Advisor firm providing access to successful and proven investment strategies.

ANNOUNCING: The FANAdvisors Training Seminar!

September 24 & 25, 2014

The Marriott Airport, Nashville, TN

Important details about the meeting:

Who Can Attend?

o ALL appointed reps & anyone preparing to take the exam

Travel Scheduling:

o Arrive Tuesday, September 23, as the meeting will start early in the morning on Wednesday, September 24

o Plan to leave AFTER 1:00 PM Thursday, September 25

Cost, Accommodations & Meals:

o There is absolutely NO COST to attend the meeting

o A Special Room Rate of $129/night has been arranged

o ALL meals are provided by the FANAdvisors

What to Expect during this TRAINING SEMINAR:

o In-depth training on HOW TO build, process & manage your investment advisor business

o Current information from key Money Managers

o Information on our Advisor-Based 401k Plan


We will provide more information and details in the coming weeks. For now, mark your calendars and begin making arrangements for the...

FANAdvisors Training Seminar, September 24 & 25, 2014!

For more information about FANAdvisors, go to http://www.fanria.com and enter “POSTEMA” in the "referred by" field.

Phoenix Announces Indexed Account Cap Rate and Income Benefit Amount Changes
 
What is changing? 
Effective July 1st

• Indexed Account cap rates will decrease for most indexed accounts (see below for July rate flyers)
  
  

Effective July 8th

• Some Annual Benefit Amounts (ABAs) will decrease impacting the Income Tomorrow benefit amounts for Personal Income Annuity and Personal Protection Choice at certain ages/waits
  
  

• Some ABAs will decrease impacting the Income Benefit amounts for Personal Retirement Choice (PRC) at certain ages/waits  
  
  
• The Income Benefit rider fee on Personal Retirement Choice is changing from 0.85% to 0.95%
  
  

Transition Rules for Cap Rates:

1. Applications must be signed and dated prior to July 1, 2014 and received by Phoenix in good order by July 8, 2014 to be eligible for old cap rates. All 1035/Transfer/Rollover applications have 60 days from the application signed date to get money to Phoenix.
   
   
2. Applications signed on July 1, 2014 or later will receive the new cap rates.
   
   

 
Transition Rules for ABA Changes:

1. An application with a check
   
   
   1. Must be signed and dated prior to July 8, 2014 and received by Phoenix in good order by July 15, 2014 to be eligible for the old ABAs and old PRC rider fee.
      
      
   2. If signed and dated prior to July 8, 2014, but received on or after July 16, 2014 the new ABAs and new PRC rider fee will apply and a *Signed Acknowledgement is required.
      
      

1. An application with 1035/Transfer/Rollover paperwork
   
   
   1. Must be signed and dated prior to July 8, 2014 and received in good order by July 15, 2014, and must have all money to Phoenix by September 5, 2014 to be eligible for the old ABAs and old PRC rider fee. 
      
      
   2. Money received on or after September 6, 2014 will result in the new ABAs and new PRC rider fee and a *Signed Acknowledgement is required.
      
      
   3. If signed and dated prior to July 8, 2014, but received on or after July 16, 2014, new ABAs and new PRC rider fee will apply and a *Signed Acknowledgement is required.
      
      

 
* Signed acknowledgement refers to the Product Change Acknowledgement form which requires the signature of both client and agent
 
CLICK HERE FOR SELECT GOLD BONUS ANNUITY JULY RATES
CLICK HERE FOR PERSONAL INCOME ANNUITY JULY RATES
CLICK HERE FOR PERSONAL PROTECTION CHOICE ANNUITY JULY RATES
CLICK HERE FOR PERSONAL RETIREMENT CHOICE ANNUITY JULY RATES
CLICK HERE FOR REFLECTIONS GOLD BONUS ANNUITY JULY RATES

Today, Genworth Financial, Inc announced the launch of its new website www.longtermcareinsurance.org, designed to help fill the information gap for consumers about the reality of long term care and the importance of planning for the future.  The website, named the National Advisory Center for Long Term Care Information (NACLTCI), sponsored by Genworth, is focused on providing clear, concise and unbiased information to consumers faced with making decisions related to long term care.

The new website, part of Genworth's over-arching consumer campaign to educate and advance change in the long term care industry, presents a holistic view of the long term care issue and allows consumers to compare the cost of care, determine care needs and develop a long term care strategy to best suit their circumstances.  From frequently asked questions about long term care and caregiving, to specific checklists that can help families initiate conversations and create a plan, longtermcareinsurance.org guides consumers along every step of the process.  After evaluating their options, if desired, consumers can request a consultation and quote for long term care insurance. The website will not present or discuss Genworth long term care insurance products.

"There isn't a one-size-fits-all mold when it comes to long term care planning.  We're dedicated to providing consumers with resources so that they can make the right decisions for their families and loved ones," said Tom McInerney, CEO of Genworth. "Longtermcareinsurance.org future plans include featuring real stories about the importance of long term care planning that consumers can relate to, as well as expert third-party insight and guidance to allow consumers to make the right financial planning choices.  This is just another way we're trying to drive change in the long term care space."

Surprisingly, despite well-known demographic shifts of people working and living longer, many Americans do not recognize the need for a long term care plan.  Seventy percent of Americans turning 65 can expect to need some form of long-term care during their lives. However, according to research conducted by the Associated Press-NORC Center for Public Affairs Research, 65 percent of those 40 years or older report having done little or no planning.  Additionally, many Americans 40 or older overestimate the amount that Medicare and Medicaid will help, with 39 percent believing that Medicare should share a large or very large amount of the financial responsibility, and 37 percent believing Medicaid should do the same.

"As a leader in the long term care industry, Genworth embraces its obligation to educate, innovate and bring new solutions to market that meet the long term care needs of Americans," added John Whitcomb,  senior vice president of thought leadership for the U.S. Life insurance division.  "The National Advisory Center for Long Term Care Information is part of our multi-pronged approach to ensure we are living up to our responsibility to prepare consumers for their future long term care needs."

Ongoing news, industry updates and guidance on navigating long term care will be available at Longtermcareinsurance.org.  Genworth also provides a host of tools and other resources to help close the financial literacy gap and help Americans properly plan for their financial futures, including:

• Genworth's Let's Talk resources offer tips for initiating conversations about retirement and planning for the future with loved ones
• Join Genworth on Facebook for tips, polls and discussions to help you keep all types of financial promises

New Competitive Rates!

North American is pleased to bring you a new ADDvantage Term product (Generation 7)

with improved rates for the 15, 20, and 30-year plans, making them highly competitive! Highlights

• Convertibility
  
• Accelerated Death Benefit Endorsement for Terminal Illness
  
• Issue age increase: ADDvantage 30 is now available up to age 55 for non-tobacco clients!
  
• Choice: Choose from 10, 15, 20, and 30-year level premium guarantee periods.
  
  

Discontinuation of ADDvantage Gen 5 and 6:

Note: 10-year and 15-year products will be changing from Gen 6, whereas 20-year and 30- year products will be changing from Gen 5.

Call Postema Marketing Group for more information 877-512-9287

Click HERE for North American Life Products at a Glance

California Medicare Supplement

Stonebridge Life has outstanding rates in California! If you are not selling in California do not be alarmed because skyrocketing rates are through the roof in many other areas.

Not to mention the current lead incentive HERE

Call Postema Marketing Group for competitive rates in your area 877-512-9287 Click HERE to see rate comparisons

Effective Immediately Fidelity & Guaranty is increasing commissions up to 50 BPS on two of their Fixed Indexed Annuities for a limited time.

ELITE PROSPERITY up to 8.5% street commission (Varies by State) PERFORMANCE PRO 8.0% street commission

There is still plenty of time to qualify for the F&G 2015 Power Producer Conference Four Seasons Resort in Punta Mita

To find out more about what makes these annuities special, call Postema Marketing Group at 877-512-9287

Click here for the incentive flyer

Click here for the F&G Annuity product portfolio

NAC RetireChoice applications received from May 19,2014 – July 31,2014

$250,000 - $499,999 in NAC RetireChoice Issued Premium = Level 1

    $300 Omaha Steaks Gift Card OR $300 Maui Jim Gift Card


$500,000 - $999,999 in NAC RetireChoice Issued Premium = Level 2

    $750 PGA Superstore Gift Card OR $750 Apple Gift Card


$1,000,000 + in NAC RetireChoice Issued Premium = Level 3

    $2000 Travel Voucher OR $2000 Cabela’s Gift Card
    Also qualifies you for the Elite Agent Bonus Program, Silver Level 1     Bonus of .50%

See the Elite Agent Bonus Program Flyer, Summer Sizzle incentive flyer and the product highlight on NAC RetireChoice

CLI's Final Expense (whole life) insurance will become available in Oregon beginning July 1, 2014.

See this brochure

There is still plenty of time to qualify for Aetna’s trip incentive to COSTA RICA

Contact Postema Marketing Group at 877-512-9287 for more information and discuss some of the best Final Expense plans available in your area.

Effective in May, Aetna (AHLIC) REDUCED their Medicare Supplement rates by 5% in Pennsylvania

See this flyer for specifics

Call Postema Marketing Group at 877-512-9287 for more information on AHLIC Medicare Supplement plans and information on the TOP THREE Medicare Supplement carriers in your area

To reward you for your loyalty to Stonebridge Life Insurance Company—a Transamerica company— Stonebridge is giving you an extra $50 for every qualifying application submitted and placed in Florida.

Incentive Period:

June 1–July 31, 2014 (apps must be placed by August 15, 2014) Qualifying Product:

Medicare Supplement offered by Stonebridge Life Florida

Incentive Details

Agent will receive an additional $50 for every qualifying Med Sup application personally submitted and placed during the incentive period.

Applications written in zip code ranges 330-334 will receive an additional $50 for a total of $100 per qualifying application. There is no limit to the number of applications one can submit to receive the incentive!

Incentive Rules:

Application date on qualifying applications must be between June 1 and July 31, 2014. Qualifying applications are based on all new, issued policies that are underwritten or are submitted via Open Enrollment. Internal replacements do not count toward qualification. Qualifiers must maintain an 80% persistency on qualifying business. The cost of the incentive will be reported to you as taxable income on IRS Form 1099.

Please note: Florida is not a pre-appointment State, you can solicit business when contracting is submitted. This incentive is in addition to the 1,000 piece mailer incentive and the Panama Trip incentive.For Florida Rates and contracting please contact Postema Marketing Group at 877-512- 9287