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.

Scott Grode from Transamerica shares key updates and resources for agents, including critical contact numbers, his email/cell, and added support from virtual wholesaler Jason Zachary, who can deliver team trainings on planning, product focus, recruiting, and new agent onboarding. He announces FE Express enhancements launching July 23: a new preferred risk class (Premier) alongside Select, plus juvenile availability down to 15 days old. He clarifies FE Express funeral planning concierge is switching from Everest to Empathy effective July 1, while prior policies keep Everest. Term and IUL non-med limits were improved: ages 18–55 up to $2M and ages 56–65 up to $1M with no exam. He reviews FE Express instant-decision flow, true Social Security billing, commission rules, underwriting strengths, face amount limits, draft-date limitations, policy promise, portal access, quoting, and tracking policies in Life Access.

IUL EXPRESS JUST GOT BIGGER with MoO💥🔥 More approvals. More clients. More business. This week, Lauren Montag and Derek Wiedenmeyer from Mutual of Omaha are breaking down the new updates to IUL Express and how you can start writing more deals right now. If you have been hitting walls with approvals or want to scale faster, this is the call.