Annuity – Industry Updates

July 8, 2020 – KKR is set to acquire Global Atlantic Financial Group. Click Here For Full Press Release.

July 6, 2020 – North American Agent Loyalty Program is in Effect!
North American’s Exclusive Producers Connection is in effect for the rest of 2020.
You can earn anywhere from 0.50% to 1.50% additional compensation for
FIA production until 12/31/2020, and it is retroactive! CLICK HERE FOR DETAILS
For help, contact Milner Annuity Director, Chris Long at: 800.926.9206 x 132 /

June 10, 2020 – North American MYGA rate special change with deadline of June 16th. For MYGA change details Click Here.

June 8, 2020 – We have added Oceanview to our rate sheet and they have taken the top spot in the 3 and 5 year MYGA options.

June 2, 2020 Fidelity National Financial completes the acquisition of Fidelity & Guarantee.

May 26, 2020Allianz Life Insurance Company of North America (Allianz) has big news. Effective June 2, 2020, they’re increasing the Protected Income Value (PIV) premium bonuses on their top two selling fixed index annuities (FIAs): The Allianz 222® Annuity PIV premium bonus1 will increase from 10% to 15%. The Allianz Benefit ControlSM Annuity PIV premium2 bonus will increase from 6% to 10%

May 21, 2020 North American’s Versa Choice has introduced an enhanced participation rate of 200% on the two-year point-to-point (Fidelity Multifactor Yield 5% ER) and a 140% participation rate on the annual point-to-point (Fidelity Multifactor Yield 5% ER).

May 13, 2020 – F&G announcing rate increase effective May 18th! Click Here for Details.

May 7, 2020 – North American has increased premium bonuses on their Charter Plus 10 and 14 starting May 12th! Contact Chris Long for details at

May 4, 2020AIG announces they have opened up the ability to submit e-applications!   A faster and easier way to submit an application – The FireLight order entry platform is now available for select AIG Annuities on our Connext producer portal. Applications can now be submitted faster with a more streamlined and less complicated process. 
Products available include:  American Pathway® SolutionsMYG, American Pathway VisionMYG, Power Series of Index Annuities, Power Index 7® New York For details contact Chris Long at 770-558-8904 or by e-mail at

April 29, 2020 – Milner Group update with good news! For first time since the start of the quarantine, March 16th, 2020, all our carrier rates held steady on the multi-year guarantee annuities. This is a sign of positive things to come as carriers start to open up more opportunities on their fixed annuities. For details on the current state of the fixed annuity market and what options are available please reach out to Chris Long at 770-558-8904

April 15, 2020Equitrust is offering a 1% Commission Increase for a limited time on Index Annuities, ChoiceFour Annuity and Single Premium Life Products. No threshold, no hurdle, no waiting period. Based on application-received date, beginning April 15, 2020 and through June 1, 2020. Commission increase excludes Certainty Select and Confidence Income Annuities. They are also offering rate increases on all their annuity products.

April 13, 2020Lincoln is suspending sales on their Lincoln Lifetime Income Edge 2.0 and I4Life rider options on their FIAs starting on 4/13/2020.  Please reach out to Chris Long at to learn more about some great alternative FIA income rider options.

Why Do We Use Secure Email?

Authors: Chris Long and Dewayne Earwood

At the Milner Group, we have been implementing and enforcing security protocols diligently for years, in an ongoing effort to keep personal information safe for our advisors and their clients. When email was designed in the 1970s, security was largely an afterthought and unfortunately, email has not changed much since then. Personal information can be easily obtained by a ‘Man in the Middle’, who is spying on the communications as they are shared across the internet. Encryption of this private material is the best way to prevent you and your clients from being targeted by these criminals.

PII (Personally Identifiable Information)

Personally Identifiable Information, or PII, is information that can be tied to any individual’s account number. Criminals can use this information to hack into these accounts for the ultimate goal of obtaining items such as social security numbers, names, and dates of birth. This information is also valuable for resale on the black market for identity theft.

Medical Information (HIPAA and PHI)

Medical information is required to be kept private based on HIPAA (Health Insurance Portability and Accountability Act) laws. Criminals will use this information to blackmail people with potential embarrassing medical information or fraudulent insurance claims, to obtain prescription medications, and to advance identity theft. Information in this category will give criminals the most money on the black market, which makes it the most targeted information on the internet.

Bank Account and Routing Numbers

Financial institutions are required under the Gramm Leach Bliley Act, to control the way in which they share information related to personal financial information. Access to an individual’s financial information can grant criminals the ability to simply transfer money out of someone’s account to an offshore account completely draining their financial resources.

Trust is the most important aspect of the client/agent relationship. That trust needs to start with the assurance that all of a client’s confidential information is safe and out of the hands of criminals. The Milner Group will continue to ensure that the best security measures are taken and that confidential information remains just that, confidential.

Becoming a Virtual Advisor

Author: Milner Group Annuity Director, Chris Long

It goes without saying that the ability to conduct business remotely has become paramount since the beginning of the COVID-19 pandemic. “Major tech companies like Alphabet Inc, Facebook, Spotify, Inc, and Slack Technologies are anticipating their employees will be working remotely until 2021, at the earliest, according to a May 16, 2020 blog post from MarketWatch (Swartz, 2020).” Twitter has officially announced that they will likely have employees operating remotely permanently to some capacity.

Working remotely is not a 2020 concept. Many organizations have been constructing the capability for certain departments to work from home over the last decade. Although the stay-at-home orders will eventually be completely lifted and returning to a resemblance of ordinary, everyday life is inevitable, developing the ability to conduct business virtually will remain a vital skill in staying connected to your clients and making sure you are always available to serve them. It may seem like a daunting adjustment, but most agents do not even realize they have been developing these valuable skills over the last few years.

Agents have been scheduling appointments with their clients over the phone, monitoring policy values online through their agent portals and submitting applications electronically for years. The ability to get information to clients, and from the carriers, without any face-to-face to contact has been a normal aspect of an agent’s daily operations. It is reasonable to assume that moving forward, the ability to conduct business virtually as an agent will be a determining factor in gaining an advantage over their competition. After the last two months, clients know that most of the sales process can be done virtually; so moving forward agents will likely be encountering clients that will expect that type of service.

The Milner Group has been working diligently to enhance our online platforms, as well as our mobile application, to help our agents with marketing, case design, contracting, underwriting, new business, customer service, compensation, and much more. We want to make sure that our agents have all the tools available for them to be an effective virtual advisor. We have constructed our new agent onboarding process to be completely remote, so that agents who would like to partner with us can be contracted and ready to write business without ever having to leave their office.

We are embracing the importance of offering a virtual solution to all our agent and client needs. The future is uncertain, maybe more so now than ever. One of the things we take pride in at The Milner Group is our ability to adapt to the current environment and provide our agents with everything they need to succeed. In 1979, we hired computer programmers to design the first brokerage-specific, multi-company application processing system. 41 years later, we are still making efforts to enhance the virtual capabilities of our organization and making sure our agents can assist their clients as effectively and efficiently as possible.


Swartz, J. (2020, May 16). Internet/Online Services. Retrieved from MarketWatch:

Common Life Insurance Underwriting Myths

We are helping to offer underwriting insight to insurance agent by explaining today's most common life Insurance underwriting myths
Today’s Most Common Life Insurance Underwriting Myths Explained

As life insurance carriers continue to navigate through the COVID-19 environment, underwriting teams are evaluating guidelines constantly. Carriers and General Agencies are working together to exchange innovative ideas that offer new levels of digital underwriting solutions, continued affordable products, and ultimately give a peace of mind and protection to countless Americans.

Even with all the underwriting advancement done over the last few months, we are hearing from advisors who say their clients continue to have common life insurance underwriting misconceptions that are keeping them from applying for life insurance.

let’s demystify most common life insurance underwriting Myths most advisors are seeing:

~ MYTH: I’m taking blood pressure and or cholesterol medications. This will keep me from getting the best rate.

TRUTH: Someone with well-controlled blood pressure and/or cholesterol — regardless of whether medication is taken — may qualify for up to best class rates.

~ MYTH: I’ve had diabetes for about 20 years now. I will be declined for life insurance.

TRUTH: Most diabetics are insurable and can obtain very reasonable rates. Your client’s age, age at onset, along with the degree of diabetic control, medical compliance, and presence of complications will help determine insurability.

~ MYTH: Because I had cancer, I’m uninsurable.

TRUTH: Not all cancers are uninsurable. In fact, some clients with cancer history are approved for Standard or better rates! Your client’s age, age at onset, type of cancer, stage, and prognosis are all considered. Just because your client has had cancer does not automatically mean that he/she will not qualify for life insurance.

~ MYTH: I had a heart attack; I will not qualify for life insurance.

TRUTH: There’s typically a postpone period (6 months) then, depending on age, overall health, and the cause of the heart attack, there’s a very good possibility that your client is insurable.

~ MYTH: Most pilots are uninsurable.

TRUTH: Standard rates for student pilots and up to Select Preferred rates for experienced pilots with IFR (assuming they qualify otherwise) are available.   

Having someone on your side who knows how to navigate underwriting is key so that your client’s opportunity to get life insurance isn’t lost forever.

For more underwriting information, please contact a member of our team:

We deliver over 100+ years of combined experience and are renowned for our legacy of deep expertise and personal- responsive service.

Agent Event: Prospecting strategies have changed in the world of insurance

Join us 10:00am (EDT), Thursday, May 21st as we come together to discuss the art of prospecting after the Coronavirus Aid, Relief and Economic Security Act aka the CARES Act.  Our featured speaker will be providing valuable prospecting insight and information that you will not want to miss.

At The Milner Group, we value relationships.
Thank you for the opportunity to earn your business!


Possible Benefits that Could be Available to You with the CARES Act

The Coronavirus Aid, Relief, and Economic Security Act, a.k.a. the CARES Act, is a law developed to address the economic fallout of the 2020 coronavirus pandemic in the U.S.A.

With time being of the essence and limited relief available, we felt it important to provide resources to as many of our valued professional partners as possible.

We encourage you to review the resources we’ve compiled to find information regarding the stimulus bill and how you could get the relief and benefits possibly needed for your business during this national challenge.

Our goal is to share information that may be helpful, however, you should contact your CPA and/or SBA-approved lenders for guidance to determine whether one of these time-sensitive options may be right for you and your business.

We’re here to support you so please do not hesitate to reach out to Milner Group Director of Agent Relations, Matt Carter, should you have further questions. Matt can be reached via email at or by phone 770.558.8910.

CARES Act – Reference guide

Review of Benefits for Small Business and Independent Contractors

NAILBA PowerPoint and presentation

Recorded Webinar

Slide Deck

Useful information on the PPP, Emergency Economic Injury Grant (EEIG), etc. that a small business (insurance agency) might qualify for.

AALU/GAMA PowerPoint and presentation (both available to the public)

Recorded webinar

Slide Deck

Provides info and eight examples of small businesses on the Paycheck Protection Program (PPP).  This presentation includes info about sole proprietor/independent contractor options (example 4).

CARES Act Assistance for Small Businesses 

Additional Resources For Review

The Small Business Owner’s Guide to the CARES Act – from Senator Ben Cardin, U.S. Senate Committee on Small Business & Entrepreneurship

PPP Calculator – Provided by SBA to help in figuring out what your business can apply for.

State-Specific Resources


  • Guidance from GA DOL website on filing for unemployment, mandatory filing by employers for partial claims, and reemployment service.

Do your clients understand the impact of COVID-19 and/or The CARES Act?

Staying in touch with clients matters––especially in this unprecedented time of world crisis. The $2 trillion CARES Act stimulus package presents an opportunity to reach out to them to help ensure they’re aware of the benefits it created for individuals and businesses.

Use the below CARES Act flyer  from Prudential to spark conversations with them. The Act may hold provisions that are critical to their financial wellness and, for those who are business owners, their livelihoods.
Access CARES Act Flyer from Prudential Here

   At The Milner Group, we value relationships and want to thank you for the opportunity to earn your business!

Contact Us For Help Today!

Prudential Announces Expansion In PruFast Track Parameters

During Tough Times, We’re Making Things Easier
During these uncertain times, Prudential remains committed to making it as easy as possible for you to continue to build your business and ensure clients have access to the life insurance coverage they need.

That’s why we’re introducing two important updates to PruFast Track, our accelerated underwriting process.
For a limited time, we are:
Increasing the face amount limit of eligible policies from $1 million to $3 million. Eliminating the medical exam and lab requirements, where possible, for applicants age 60 or younger, applying for $3 million or less in face amount coverage.

These changes represent an opportunity for you to deliver life insurance solutions to more clients in a way that may not have been possible before. So if you’ve been on the fence about PruFast Track, now’s the time to give it a try. Simply eSubmit* your next life insurance application and Prudential will take care of the rest.
Learn More About PruFast Track

Smart Builder IUL News from North American.

Life insurance that doesn’t slow down

Smart Builder Indexed Universal Life insurance offers strong death benefit protection and WriteAway® helps secure an underwriting decision for clients in up to 48‑—‑72 hours.

Now is the perfect time to talk to clients about the potential to secure life insurance without an in-person paramed exam or labs. Plus, Smart Builder offers the potential for early cash value accumulation without the downside risk. 

Check out this new flyer for two hypothetical Smart Builder case studies and three advantages of life insurance worth sharing.