The Alliance U PRODcast

Latest Episodes:

Product Call - Integrity Connect with Gina Hawks - 09-17-2024 Sep 18, 2026

Show notes

Integrity Connect Life Insurance Training: Account Setup, Selling Permissions, CRM, Quoting & Underwriting Demo Gina Hawks provides a start-to-finish training demo on using Integrity Connect for life insurance, including how to access and register through ARC, navigate the dashboard, and set up an agent account to enable quoting and enrollment. She explains turning on product preferences, adding a professional photo and bio for the client-facing agent website, setting office hours for calendar booking, and using the free Integrity business phone number (with recorded calls used for AI summaries). She shows where to check or manually attest selling permissions, reviews CRM basics like importing clients and uploading documents, and clarifies that the client medical profile does not feed life underwriting. The demo walks through Quick Quote for final expense, entering health conditions (not prescriptions), answering reflexive underwriting questions, filtering results, and launching carrier e-applications, plus notes on product availability, term defaults, and tool limitations. 00:00 Welcome and Goals 01:23 Logging In and Dashboard Tour 02:49 New Features Ask Integrity 05:35 Account Setup Basics 07:54 Agent Profile Products 08:54 Website and Bio Setup 12:21 Business Phone and Call AI 15:50 Selling Permissions Check 18:13 Clients CRM and Importing 20:06 Client Record Documents 21:23 Medical Profile Warning 23:44 Quick Quote Life Demo 27:37 Entering Health Conditions 28:54 Search Tips Acronyms 31:03 Driving and Criminal Factors 31:55 Search Conditions Fast 32:50 Diabetes Reflex Questions 36:33 Complications And Followups 39:41 Quote Results And Filters 42:02 Picking Products Wisely 45:31 Apply Button And Tech Support 48:52 Limits And Accuracy Tips 52:26 Other Products And Workarounds 54:31 IUL And Term Examples 01:00:00 Wrap Up And Next Steps

Product Call - Empathy & Transamerica: Elevating Client Experience and Support - 09-03-2026 Sep 03, 2026

Show notes

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

Product Call - Annuity Training with NLG - 08-28-2026 Aug 27, 2026

Show notes

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

Product Call - Advantage Plus Elite Hospital Indemnity Training for AEP - 08/20/2026 Aug 21, 2026

Show notes

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.

Product Call - Annexus - 08-13-2026 Aug 13, 2026

Show notes

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.

Product Call - UnitedHealthOne - 08-06-2026 Aug 06, 2026

Show notes

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.

Product Call - F&G IULs Just Got Even More Rewarding - 07-30-2026 Jul 30, 2026

Show notes

F&G National Product Call: Higher IUL Target Premiums, Exam-Free Limits & Quick Solve Pathsetter Walkthrough Larry Mallek and Amy Bruce of F&G explain recent updates making F&G IULs more profitable to sell, including significant target premium increases (up to 20%) across ages and face amounts on the Pathsetter product and expanded exam-free underwriting for many clients age 60 and under seeking $3–$5 million. They demonstrate the illustration software's "Run Quick Solve" feature to build accumulation and income scenarios quickly, discuss key illustration outputs (target premium, guideline annual premium/MEC room, surrender charges), and review loans (participating vs wash), overloan protection, capped loan rates at 5%, and living benefits. They compare Pathsetter for juveniles and accumulation versus Everlast for death-benefit-focused cases, address foreign nationals and underwriting turnaround factors, and point viewers to microsite index performance data and support contacts. 00:00 Welcome and Agenda 01:06 Target Premium Boosts 01:40 Exam Free Underwriting Expanded 02:56 Why Illustrate F&G Now 05:37 Quick Solve Demo Setup 08:57 Income Illustration Walkthrough 10:30 Overloan Protection Explained 12:36 Target Premium and Funding Limits 14:54 Handling IUL Criticism 16:31 Finding Index Performance Data 19:21 Quick Solve From Scratch 22:25 Max Fund and Underwriting Tips 27:18 Max Accumulation vs Quick Solve 28:54 Minimum Non MEC Option 33:12 Loan Rate Cap Advantage 35:11 Death Benefit Level vs Increasing 36:44 Level vs Increasing DB 37:38 Reducing Coverage Limits 38:38 Commissions and Targets 39:02 When to Take Loans 40:55 Loan Types Explained 43:07 Surrender Charges Basics 44:20 Loan Math and Taxes 45:28 Index History and Columns 48:33 Term Conversion Reality 50:58 Juvenile Underwriting Tips 51:45 Withdrawals vs Loans 53:06 Product Fit Pathsetter 53:48 Funding Juvenile Policies 55:41 Loan Interest Timing 01:00:48 Short Time Horizon Cases 01:02:29 Account vs Surrender Value 01:05:26 In Force Illustration Limits 01:08:06 Wrap Up and Resources

07-16-26 - Product Call - WHERE NLG WINS Jul 16, 2026

Show notes

National Life Group Training: Living Benefits, IUL Options, Easy Underwriting & Foreign National Guidelines Yumi Jacquez, Sam Keenan, and Isaac Wood from National Life Group introduce their team support for the Alliance, highlight NLG's 1848 founding, current \#7 U.S. life insurer ranking, and mutual company structure, and outline their living benefits suite. They explain opportunities for non‑U.S. citizens living in the U.S. (8+ months residency with SSN or ITIN, including undocumented tax filers) and foreign national guidelines (living outside the U.S. 4+ months with qualifying U.S. nexus), using case studies. The session reviews term products with no-cost living benefits and convertibility, NLG's IUL lineup (Rapid Protect, FlexLife, Summit Life), a mortgage-protection comparison using a "return of premium" IUL solve, rolling target premium commissions, easy underwriting limits, marketing resources/QR codes, advanced sales support, and new tools like pin-to-sign, client intelligence, and the customer app, ending with a living benefits claim video example.

Product Call - The Multiplier Effect - 07.09.26 Jul 09, 2026

Show notes

President's Club Explained: $100/Month Tools to 10X Sales, Recruiting & Building at The Alliance Emir Sevim and Lucero Diaz from The Alliance headquarters explain the President's Club, a $100/month subscription designed to help agents sell more, recruit more, and build more by negotiating discounted tools and providing exclusive resources. They walk through naaPresidentsClub.com, where members can sign in, review benefits, and join, and highlight key sales tools like WebPrez product videos, a vault of exclusive training calls, the weekly PC package email, CE vouchers, AM Cards for client/team follow-up, DocuSign pay-per-use, and Boostlingo interpreters for 350+ languages. They also cover telesales/virtual sales training and GoHighLevel snapshots, dialer, automations, and website options, plus building support like logos, flyers, and POPL digital business cards. Recruiting benefits include ZipRecruiter, PropHog licensed-agent data, preset interviews, and a VA hiring program. They promote a limited offer: new members joining today get the rest of the month of a free ZipRecruiter ad, and invite viewers to Family Reunion July 23–26.

Product Call - Final Expense Just Got Stronger Jul 02, 2026

Show notes

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.

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