1. FHC STUDY GROUP What’s Hot Right Now? MID-YEAR REVIEW
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What’s Hot Right Now?
MID-YEAR REVIEW
FHC’s Top Products and Carriers So Far in 2016
JULY 2016

2. Welcome Sarah Molitor Stoyan Petev Scott Hoff
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6. Mid-Year Review: Top Products & Carriers of 2016 so far
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7. Goal
Get up to date on what products and carriers other advisors have been selling this year
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8. Indexed Universal Life Carriers
Pacific Life
John Hancock
American General
Pacific Life Flexible design, accumulation focused, carrier brand, underwriting, compensation Consistent top seller of IUL. With Pacific Life’s product flexibility and many people looking for the tax favored distributions from life insurance, this accumulation focused IUL is a perfect fit for many cases. The flexibility in design, the carrier behind it, UW, service and compensation make it the top choice
John Hancock Death benefit focused with life expectancy guarantee, Vitality Program
American General (low cost design)
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9. Guaranteed Universal Life Carriers
Prudential
Protective
Nationwide
Prudential
Protective (age 95 to 100 niche)
Nationwide (unique true LTC rider with indemnity & residual death benefit)
Price is what typically drives this market and the top carriers are the most competitive in terms of price.
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10. Universal Life Carriers
Principal
Prudential
Pacific Life
Principal (Low cost, if quoted to life expectancy or ROP)
Prudential (Underwriting, Low cost, if quoted to life expectancy or ROP)
Pacific (Flexible, general account rate, carrier brand)
Principal: current assumption UL with their return of premium death benefit option gives them one of the best internal rates of return on death benefit on the market for many cases.
Prudential’s: Founders Plus is a hybrid between indexed universal life and a current assumption universal life.  With a more conservative rate Prudential can show extremely low premiums for death benefit driven sales.  Prudential has also won many cases in underwriting.
Pacific Life: For as great as Pacific Life is at indexed universal life coverage, their traditional current assumption UL is also worth considering.  The flexibility that Pacific Life offers in product design paired with their general account rate and history of doing what is best for clients makes this current assumption UL in the top 3.
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11. Whole Life Carriers Minnesota Life Ameritas Life MetLife
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12. Term Carriers John Hancock Principal Lincoln
John Hancock This carrier has told us that they will be focusing on their term insurance this year to come up with many new ideas, solutions and competitiveness.  This is a reflection of that strategy.
Principal (underwriting & conversion options)
Lincoln
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13. Disability Insurance Carriers
Principal
Standard
Ameritas
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14. Asset Based Long Term Care Carriers
Pacific Life
OneAmerica
Lincoln
Pacific Life and OneAmerica have stood out as the go to asset based long term care policy for the last year. 
Pacific Life’s one of a kind return of premium benefit and
OneAmerica’s lifetime continuation of benefits rider and second to die option push them above the competition.
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15. Long Term Care Carriers
Mutual of Omaha
John Hancock
OneAmerica
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16. Fixed Indexed Annuity Products
Allianz 222
Allianz 360
Great American – American Custom 10
Allianz 222 (income years 10+)
Allianz 360 (income soon)
Great American – American  Custom 10 (Income)
Allianz: If you want inflation hedge in your benefit, Allianz is the place to go. They also allow for some flexibility with early WD. Allianz has cornered this market for a few years now.  They have their own hedging team at their home office which has allowed them to create some unique crediting strategies.  Allianz has some of the best income benefits in the market today.
Allianz 222: With an immediate bonus credited to client’s income base, the Allianz 222 has some of the highest income potential on the market for life.  With their unique step up story even when the account value goes to zero and no direct fee to the account value for income purposes, this annuity has been leading the pack all year.
Allianz’s 360 This indexed annuity offers some extremely attractive guaranteed income as well as 2 income benefit options to help a client with a relatively short income time frame.  Allianz’s 360 can have the income turned on in the second year if needed which helps put another tool in an advisor’s toolbox.
Great American: offers great plain accumulation products, DB and early income products. AE is big into the income riders. American National has some decent accumulation products. Allianz and AE have income products without fees.
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17. Fixed Annuity Products
American Equity – Guarantee 7
Standard – Focus Growth Annuity 10
American Equity – Guarantee 5
Mostly MYGAs, alternatives to CDs
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18. Variable Universal Life Carriers
Lincoln
Pacific Life
Nationwide
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19. Variable Annuity Carriers
Jackson National
Pacific Life
MetLife
Jackson National (JNL) - IOVA
Pacific Life (PCL) – Low Cost
Met Life (MLI) - Shield
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20. Variable Annuity Products
Jackson National Perspective
Prudential Premier Investment VA
Lincoln National Choice Plus Assurance
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21. Mutual Fund Families American Funds Principal Fidelity
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22. Most Widely Held Sub Accounts
Mellon Capital Jackson National 5
Sun America Dynamic Allocation (American General/SunAmerica)
6 Year Shield 15 S&P 500 Indexed (MetLife)
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23. Most Widely Held Mutual Funds
American Funds Growth Fund of America (American Funds)
Washington Mutual Investors (American Funds)
Investment Company of America (American Funds)
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24. Top Third Party Money Managers
SEI
Lockwood
Assetmark
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25. Stoyan
Questions for us?
Scott