Effective September 26, 2014: All WYOMING annuity producers must complete a one-time, 4 hr general annuity training course.

The US Treasury Department requires that if you sell insurance products with an investment component or products that accumulate cash, AML training is required. If your last AML course was completed prior to January 1, 2013, you are now required to complete the refresher course.

Medicare News:

Aetna – New Products September 8, 2014

• KANSAS AHLIC Medicare Supplement policies to offer 7% household discount

• ARKANSAS CLI Cancer, Heart Attack or Stroke indemnity product available

          (Now available in IL, KY, MO, MS, and NE)

• TEXAS CLI Cancer, Heart Attack or Stroke indemnity product has all new sales materials

Aetna – Product no longer available September 14, 2014

• INDIANA ACI Medicare Supplement Plans will no longer be available. Agents should begin selling the CLI Medicare Supplement plans which include a 5% household discount.

Forethought – Rates changing October 1, 2014

• OHIO Premium Rate increase 5% for plans A, C, and F

Stonebridge – Rates changing November 1, 2014

• All Plans Increase 2% in CA, FL, ID, MI, UT, ND, OH, SD

• Plans A, F, N increase 5% in MO

Heartland – New Association Med Supp now available in GA & IN

Gateway- Medicare Advantage Plans Available in OH, PA, KY, NC

Life News:

• Foresters – New- Single Premium (Participating) Whole Life product YOUR LEGACY

   Ideal for estate protection, no medical exam

• Call 1-877-512-9287 for more details on this new product

Annuity News:

• North American- MYGA rate increase effective 8.12.14

• Call 1-877-512-9287 for more details about these rates

• Sentinel Life- Personal Choice Annuity MYGA rates are one of the TOP RATES currently

• Call us to get more details on these rates, 1-877-512-9287

• Fidelity & Guaranty – New- Safe Income Plus released 8.22.14

   8% Bonus and an impairment doubler – call for more information 1-877-512-9287

Written by Dennis M. Postema, bestselling author and Postema Marketing Group president, and co-author Vicki Gunvalson, founder & CEO of Coto Insurance & Financial Services and “The Real Housewives of Orange County” star, “Let’s Talk Money: Women’s Guide to a Lifetime of Wealth” provides safe and practical advice for women saving for retirement as well as ideas for building a lasting income.

Defiance, OH (8/8/14) – “What if I run out of money? How do I
properly plan for retirement?”

“These are questions I hear often from female clients,” says Dennis M. Postema. “It causes a great deal of anxiety for those who are unsure how to effectively plan for the retirement of their dreams.”

Women face a distinct set of challenges when saving for retirement and building an income that lasts. With the Administration on Aging reporting that 70% of seniors who live below the poverty level are women and the National Women’s Law Center revealing that extreme poverty rates for women 65 and older rose 18% in 2012, these unique struggles aren’t just a concern. They’re practically an epidemic, and Let’s Talk Money gives women the information they need to enter retirement with confidence.

The easy-to-read, yet detailed, Let’s Talk Money: Women’s Guide to a Lifetime of Wealth provides advice for a new generation of women who want to build a strong, lasting income and buck the growing trend of poverty threatening to derail their retirement dreams. Filled with conservative, straight-forward information and ideas, Let’s Talk Money allows women the opportunity to beat the odds and create a retirement income that lasts for life.

Let’s Talk Money can also be used as resource for financial service professionals when advising female clients. Postema Marketing Group (www.pmg1.com) is embracing this concept and already planning to develop a corresponding workshop and consumer marketing pieces for
advisors to implement in their own practices.

Since its release on July 25, 2014, Let’s Talk Money has reached #1 on Amazon’s Best Seller’s List, New Release List, and Most Wished for List in its respective categories. Let’s Talk Money: Women’s Guide to a Lifetime of Wealth is available now on Amazon and here: http://goo.gl/A34OJb

About the Author:
Dennis M. Postema is committed to solving his clients’ insurance and
retirement issues. After working as a captive agent, Postema realized he could offer his clients more options, better products, and a more secure future unhindered by the restrictions of a single insurer if he went independent – so he did. He is now the President of Postema Insurance & Investments and Postema Marketing Group, and has spent over a decade researching the best ways to safeguard his clients’ retirement money. Furthermore, he has written numerous books in addition to Let’s Talk Money, including but not limited to Dare to Succeed with co-author Jack Canfield and SPARK with co-author Brian Tracy. Postema’s focus on helping clients rather than simply selling products landed him on the cover of Agents Sales Journal (Senior Market Edition) in 2011.

The IRS has not changed direct transfers. There can be unlimited direct transfers between companies where the client does not take control of the funds.

However, IRA rollovers have changed. Now a client can only do one single rollover per year despite the number of accounts they have. Previously, the client could rollover each account, once per year.


If you would like further information, please call PMG at 877-512-9287.