January 14, 2026

This Week's Highlights & Events

Build Large, Tax-Free Income Pools Using Other People's Money.

Join Richard DeSantis and Lily Chen from Stream to learn about their innovative premium finance strategy that helps clients accumulate large pools of tax-free income using other people’s money — while eliminating many of the traditional pain points often associated with premium finance.

RGA Program expanded with Addition of Symetra

Symetra Life Insurance Company has joined the RGA Underwriting Program strengthening your ability to secure better offers and place more cases.

Life Insurance

View the latest issue of The Lincoln Life Leader featuring:

  • Term Pricing Update: Lincoln LifeElements and Lincoln TermAccel

  • Now available in CA: Lincoln WealthBuilder ECV IUL

  • The MArket Conduct Manual (updated for producers)

MassMutual ALIR limits increased to better meet client needs. The Additional Life iNsurance Rider (ALIR) allows the policyowner to purchase additional participating paid-up life insurance on the policy date oof the base policy and on each policy anniversary without evidence of insurability, provided this rider is in effect.

Check out our life insurance sales resources that can make you a champion. Like our Olympic and Paralympic athletes, you can achieve more in 2026, too.

Solve modern family needs with real versatility. Help prospects protect their entire household. Our IUL can cover an insured … their spouse … and their children. See how with our real life case study exploring how to leverage Indexed Explorer Plus riders and features to help protect real lives with real versatility.

New year, new opportunities: Discover John Hancock's updated IUL solutions. We're excited to announce the new Accumulation IUL 26 and SmartSegments, a new policy-management feature designed to offer more value to your clients.

Celebrate Financial Wellness Month by helping business owners save time and money by implementing a qualified plan today.

Florida Terminal Illness Rider Change: Starting January 24, 2026, qualification for the Terminal Illness Rider on all life insurance policies issued by National Life Group and Life Insurance Company of the Southwest in Florida will change from 24 months to 12 months for predicted life expectancy. New policy applications in Florida that are signed by Friday, January 23 will get the 24-month Terminal Illness Rider. After that date, insureds will only qualify to use the rider if a doctor has certified that death is expected within one year. Learn more about the Terminal Illness Rider.

Banner Life will make the following changes throughout the month:

  • New URL: Website domains will transition to www.bannerlife.com on January 13

  • New forms: New forms will be available through the Partner Dashboard starting January 13. All Legal & general America forms should be discarded, and the newly branded forms should be used immediately. Beginning May 1, LGA and other legacy forms will no longer be accepted

  • Logos and brand names: All logos and brand names must be updated across websites and marketing materials by January 31. Any materials featuring the LGA or legacy William Penn branding, including Legal & General logos or the blue striped William Penn logos, must be discarded, as they will be out of compliance.

Check out our enhanced UL Flex III with longer guarantees. Effective January 2, 2026, Principal Universal Life Flex III (UL Flex III) is repriced for new-issue policies. The reprice includes a change to the optional Extended No-Lapse Guarantee (ENGLG) rider to allow a benefit to a maximum age 100. This enhancement, combined with efficient cash-value accumulation and flexible features of UL Flex III, makes it a solution to consider for a variety of business and personal insurance needs.

Underwriting & New Business

Advanced Markets

Hybrid Products, LTC & DI

Most income protection conversations get stuck on “what if,” but the real opportunity is in showing clients “what happens next.” Learn how to frame the first 90 days, six months, and beyond when income is interrupted—and how proper planning keeps everything on track. It’s a powerful way to move the conversation from fear to function and position income protection as a core stabilizer in the financial plan.

Before you review portfolios or reset savings goals this year, make sure the foundation is protected. See why income is the engine behind every financial plan—and why January is the ideal time to lead with income protection conversations. Start the year strong by making income protection the first conversation, not an afterthought.

The OneAmerica Care Solutions Deep Dives webinar series goes in-depth on topics related to pur asset-based long-term care (LTC) protection. Join our free webinars every other Friday at 11:00 am ET.

Annuity Solutions

Introducing CareMatters Annuity - powerful LTC Protection for your clients. Our new long-term care (LTC) solution is built on a single-premium deferred fixed annuity chassis designed for clients who want asset protection and flexible LTC benefits. View the Product Highlights. View the Underwriting Process.

Help cients overcome annuity hesititaion, Turn concerns into confidence.

Many clients like the idea of guaranteed lifetime income — until the word annuity enters the conversation. What’s really stopping them? Often, it’s not logic but behavioral biases that create hesitation. Our latest piece, Solving the Annuity Puzzle: A Behavioral Analysis, helps you identify and remove these common roadblocks in client conversations.

Get your start to 2026 going strong. Connect with your clients on their

  • Needs

  • Concerns

  • Plans for the Future 

Use our client-facing Income Gap Calculator as your conversation icebreaker. With this easy-to-use, step-by-step calculator, you can highlight potential gaps between guaranteed income and expected retirement expenses in a snap.

Year-End Guidelines

Review each carrier's year-end guidelines by clicking the name of the carrier:

3 Mark Financial, Inc.
1600 Highway 6 Ste 400
Sugar Land, TX 77478

Call 888-533-6275

Site: www.3mark.com

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