The Alliance U PRODcast

Transamerica Juvenile Insurance Options: FE Express Whole Life & IUL Express Walkthrough Scott Grode introduces Transamerica's juvenile coverage options for agents, outlining support contacts (FE Express support line, sales desk hours, and internal partner contacts) and upcoming FE Express draft-date updates in October and early Q4. He explains the juvenile FE Express whole life final expense policy—instant decision, digital-only, ages 15 days to 17, $5,000–$100,000 face amount, one juvenile risk class, SSN required, available for U.S. citizens and green card holders, and parents must be owners (grandparents can become payers only after first premium). He demonstrates quoting, in-person/virtual signatures, multiple policies, portal registration, policy promise download, and how to monitor missed payments via Transamerica Life Access. He then reviews the juvenile FFIUL Express (ages 15 days to 17, up to $250,000), shows quoting with one-click solves and customization, and notes cash value, illustration reliability, and Milliman report disputes.

00:00 Welcome and Agenda

00:46 Support Contacts Overview

02:26 Upcoming Express Updates

04:24 Juvenile Express Product Basics

05:36 Eligibility and Ownership Rules

08:36 Accessing the Agent Portal

10:49 Application Flow and Signatures

13:47 Approval and Locking Coverage

16:06 Policy Promise and Client Portal

20:25 FAQs Paper and Cash Value

24:22 Finding Policies in Portal

26:05 Life Access Inforce Documents

27:22 Payment Alerts Notification Bell

28:46 Payments and Milliman Fixes

30:39 Portal Demo and No Card Fees

32:21 Introducing Juvenile IUL Express

36:06 Ownership Limits and Stacking

36:58 IUL Quote Tool Walkthrough

39:52 One Click Solves Compared

43:16 Customize Optimal Switch Strategy

45:31 Index Options and Illustration Download

50:07 Q&A Resources and Wrap Up

Transamerica FE Express Update + Empathy Demo (LifeVault, Loss Support & Agent Connect) Scott Grody (Transamerica RVP) shares key Transamerica contacts (FE Express support, sales desk, and his team), reports $5M in year-to-date paid production, and announces Immediate Solution has been sunset as of Sept. 1, consolidating final expense into FE Express with Premier and Select Risk Classes. He introduces Larissa Zodko (Empathy RVP), who demos Empathy's three components: LifeVault for policyholders to create state-specific estate documents (trust, will/pour-over will, POA, healthcare and funeral directives, special needs trust) and securely store files\; Loss Support for beneficiaries with an app-based care plan, human 24/7 chat, funeral planning, probate guidance, obituary help, and account closure\; and Empathy Connect for agents via Transamerica Agent Home to view client status, re-invite clients, access multilingual marketing/training, and support beneficiary engagement. Empathy is included on all FE Express policies and on eligible IULs ($250K+), effective for policies issued July 1 or later, with a NYC activation-rate contest announced. Scott also previews FE Express updates: moving issue date to first successful payment (early Oct) and enabling in-force draft date changes (Q4).

00:00 Welcome and Agenda

00:34 Key Support Contacts

02:16 FE Express Updates

03:46 Introducing Empathy Rider

05:11 Larissa Background

06:16 Empathy Overview

08:01 Three Core Components

09:37 Care Team Support

11:31 Empathy Connect Portal

13:15 LifeVault Onboarding

14:50 LifeVault Features Tour

18:17 Legacy Letters Feature

19:16 Building a Trust

23:19 Q&A Clarifications

24:56 Loss Support App

26:16 After Loss Checklist

26:42 Benefits And Claims Help

27:27 Care Team And Community

28:30 Grief Resources Hub

28:58 Funeral And Probate Tools

30:57 Account Closure Feature

32:09 Agent Q And A

33:56 Empathy Connect Portal

37:01 Marketing And Learning Center

39:38 Contest And Wrap Up

41:10 Policy Eligibility And Security

46:03 Product Updates And Closing

National Life Group Annuity Training: Protected Growth, Guaranteed Income & Finding 401(k) Rollover Opportunities Gina Hawks opens a Thursday product training and introduces National Life Group hosts Isaac Wood and Sam Keenan, who preview National Boot Camp in Burlington, North Carolina (Oct. 16–18). Isaac and Sam explain National Life Group's annuity solutions, highlighting 30 years as a fixed indexed annuity issuer, key differentiators (living benefits, foreign national eligibility, and advanced sales support), and how annuities address retirement goals of protected growth and guaranteed income. They cover flexible-premium deferred annuities (growth and income options), single-premium solutions including Income Driver 10 for income now/soon, and a growth-focused option with increased caps. They emphasize a dollar cost averaging feature for monthly interest crediting, ways to identify rollover opportunities (including the DOL lost-and-found tool), available fact finders, small-business advanced sales resources, a quarterly commission incentive, required annuity training, e-app usage, and multilingual materials.

00:00 Welcome and Introductions

02:14 Why We're Here Today

02:56 30 Years of FIAs

04:08 Key Differentiators

08:42 Retirement Goals Explained

10:31 How FIAs Work

12:37 Where Annuity Money Lives

18:10 Ideal Annuity Prospect

20:42 Flexible Premium Products

23:27 Qualified Roth Nonqualified Uses 26:06 Pivot When Life Declines

27:49 Advanced Sales Support Team

30:08 Roth Annuity Pivot

31:43 Income Now Strategy

35:17 Steve Income Case

39:15 Zenith Growth Setup

41:59 Dollar Cost Averaging

49:09 Find Lost 401k Funds

53:46 Tools Incentives Wrap

Advantage Plus Elite Hospital Indemnity Training for AEP | Benefits, Riders, Underwriting & Cross-Sell Tips (GTL)

Zach Parker, national account manager at GTL, delivers an AEP-focused training on GTL's hospital indemnity product, Advantage Plus Elite, designed to complement Medicare Advantage by covering hospitalization copays and related gaps with affordable premiums. He introduces GTL's background (founded 1936, mutual company, AM Best A, licensed in all states except New York), explains why to sell hospital indemnity, and details plan availability, expanded guarantee-issue ages (most states 64.5–79), benefit design using two Medicare Advantage summary-of-benefits questions, coverage triggers (including observation stays), restoration after 60 days, and key base benefits. He reviews major riders (ambulance, lump-sum cancer, critical accident, skilled nursing facility, outpatient surgery, lump-sum hospital, outpatient therapy, and guaranteed purchase option with wellness benefit), underwriting and application processes, signature methods, compliance, cross-selling scripts and marketing tools, and answers state and product Q&A.

Nationwide New Heights Select Update: 30% Bonus + 10% Guaranteed Roll-Up (Annexus x Alliance Product Call)

Kat Lewis (Integrity Advisory Solutions/BAM) opens the Alliance product call and introduces Alex from Annexus to discuss Nationwide New Heights Select and recent rate changes. Alex reviews Annexus's role as a fixed indexed annuity product developer and highlights New Heights Select as their most popular solution, noting guarantees increased from a 9.5% to a 10% compounding annual roll-up for the first 12 years, paired with a 30% income benefit base bonus, with a 12-year deferral guaranteeing an income benefit base growth to 407% (e.g., $100,000 to $408,000). He explains daily crediting on the income benefit base and death benefit versus annual anniversary crediting, shares individual and joint income case examples, and compares outcomes to a traditional portfolio. He also demonstrates nationwidenewheights.com tools, suggests a texting strategy using a two-minute video for outreach and referrals, and answers questions on minimums, issue ages, rider charge (1.1% annually), funding sources, replacements, and suitability resources.

Clay Mertes and UnitedHealthcare's Bobbi Jo Massey discuss preparing early for AEP by completing AHIP and contracting in advance, then focus on UnitedHealthcare Golden Rule/UnitedHealthOne senior ancillary products that help cover Medicare Advantage and Med Supp out-of-pocket gaps. Massey explains how benefit degradation, higher consumer exposure, and fewer SEP opportunities make cross-selling ancillary a way to protect seniors on fixed incomes, diversify broker income, and improve persistency. She details three key products—Advantage Guard hospital indemnity (GI age 74 moving to 79 on Aug 21 with optional riders and a plan recommendation tool), Critical Guard cancer/heart-stroke/critical illness (GI increases to 79 with optional wellness and Rx riders), and an accident plan—plus dental, vision, and a dental discount program. She highlights easy broker-assisted applications, flexible effective dates, claims payment metrics, and using the uhone.com/broker portal.