January 15, 2025
This Week's Highlights & Events
Unlock an abundance of Foreign National Resources with our Foreign National Playbook. It is more than just a guide — it’s your comprehensive toolkit for success in the foreign national market. Packed with valuable insights and curated materials from leading carriers, it provides you with a clear roadmap to effectively serve foreign national clients:
Check out our new Fact Finder. This new tool will help you gather critical client information more efficiently, allowing for faster underwriting and a smoother overall process.
Life Insurance
Do your new year’s resolutions include these innovative solutions?
Give your clients the gift of peace of mind. With Symetra’s Swift digital life insurance platform, a term or permanent life insurance policy can be delivered in as little as 25 minutes. That means more time for them to focus on the present—and the presents.
Help clients achieve their new year goals with your January sales idea.
Engage our sales kit on the Trimester Sales Strategies site and see at what’s coming in 2025.
We invite you to use our new flyer Empowering Black Americans to Build Generational Wealth to engage both current clients and prospects in meaningful conversations about how Prudential is expanding access to essential financial services, including life insurance, to help Black Americans protect, grow, and sustain their wealth.
Discover the Protection series, consisting of two products, Signature Protection IUL and Signature Protection Plus IUL. Both provide cash value accumulation potential, with each providing unique offerings that can be utilized in different ways.
Let Life Protection Advantage IUL be the solution for your clients Needs.
Unlock your earning potential....the 4 Quarters Club is back.
Happy 62nd Anniversary to Wild Kingdom. To celebrate with us, watch the Season 1 Episode 1 of "Myths and Superstitions" and share it across your social media channels. It's a great opportunity to engage with your clients and help them see the connection between protecting the wild kingdom and protecting their kingdom at home.
Navigate common solve scenarios and case design...
Beginning January 1, 2025, California Senate Bill 263 requires that resident and nonresident life agents must complete a one-time, four hour training course before soliciting individual customers to sell non-term life insurance in California. Continue reading.
Take a look at the latest issue of The Lincoln Leader with the following articles:
Lincoln expands variable life portfolio with the launch of two new products
Introducing Lincoln AssetEdge VUL
Introducing Lincoln AssetEdge SVUL
Online interview process updates
Focus on online interview
Ready to Sell Tool now featuring state training "Good Until" date.
Underwriting quick quote requests
LGA Doubles Retention Limits & Increases AUW Coverage: Our retention limits have doubled to $4 million for ages 20-75, up to Preferred Plus to Table 4. Now, eligible applicants aged 20-60 can access up to $4 million in coverage with instant, exam-free decisions through our accelerated underwriting (AUW). This means less hassle and more coverage for your clients, helping them protect their biggest moments and the future they’re building—faster and easier than ever before.
Discover 5 Strategies to help connect with clients and grow your life insurance business.
Pivot the conversation to life insurance. Discover different ways to effectively approach this important topic with your clients.
Start the year right by conducting efficient policy reviews.
See how we’re making it easier for you to keep your promises.
As the new year begins, President-elect Donald Trump's tax proposals are stirring debate and raising questions about the future of taxation in the U.S. While many of his proposed changes promise opportunities, they also bring challenges, leaving financial professionals and taxpayers pondering how to optimize their strategies. Stay ahead by understanding the impact and preparing for what’s next.
Life Insurance with a Side Fund Concept. Use this new concept in JHIllustrator to see the power of combining a cost-effective protection-based life insurance product with external investments.
Don't miss the latest episode of Hancock Talks for key insights on how the legislative and tax landscape impacting the life insurance industry may evolve in 2025.
Life and Disability Forms Update. The following Notice & Consent forms have been updated:
DD701 WI-1 updated to DD701 WI-2, DD701 DC-1 updated to DD701 DC-2, DD701 PA-1 updated to DD701 PA-2. Please ensure you’re using the correct version of the forms going forward. Previous versions of the forms will not be accepted after December 31, 2024.
Underwriting & New Business
To enhance the customer experience, we are improving our Modified Endowment Contract (MEC) process. Effective as of Jan 1, 2025, customers can authorize Prudential to automatically return any excess premium payments that would otherwise cause their contract to become a MEC. Learn more.
We developed a new flyer that tells clients how they can set up an online account and enjoy the ease of managing their life insurance policies online. With an online account, clients can access real-time details, update personal info, change beneficiaries, and more. The flyer tells them how to get started.
John Hancock Underwriting is Kicking Off the New Year in a BIG Way. Autobind+, John Hancock's streamlined facultative reinsurance process, can now offer you and your high-net-worth clients up to $130M.
Get a Real Edge with Table Shave. Our “Table Shave” underwriting program gives you a competitive edge. It allows mildly rated cases to be approved as Standard (subject to program parameters). That can help you cut through the competition. Explore the guidelines today.
Advanced Markets
Register for the Advanced Sales Tactical Tuesdays 2025 Webinar Series. One CPE credit is awarded per webinar to CPAs who register and attend.
Hybrid Products, LTC & DI
Unexpected injuries can disrupt your clients' financial stability, but proactive income protection makes all the difference. Check out our article highlighting the role of disability insurance in safeguarding against income loss due to injuries. It also shares key insights on designing effective plans to address this critical need.
Annuity Solutions
How will the S&P 500 react with Fed rate cuts? (And what does it mean for clients?) History offers some key insights. In the 12 rate-cutting cycles since 1965:
Stocks have averaged a modest 5% return in the following year
If a recession occurred, the average was –3%
However, if a recession was avoided, average returns were 18% higher
This outlook is supported by the expectation for muted returns in the coming decade, making it more crucial for investors to protect their assets while maintaining a robust strategy for growth. Learn more.
We can’t predict the future, but we can offer more predictability. Help clients find growth and lock it in with Lincoln OptiBlend® 5 fixed indexed annuity. Highlights include:
If the S&P 500 is flat or positive, clients can lock in 7.50% with the 1 Year S&P 500 Performance Triggered account…
or lock in 9.25% with the 1 Year S&P 500 10% Daily Risk Control Trigger
All accounts offer 100% protection in a down year
Building trust and connection....What do clients want from you? We recently shared that 80% of widows leave their financial advisor within a year of their husband’s death.While these clients may recognize the value of professional advice, they might not feel deeply connected to their current advisor, leading them to seek someone they connect with on a personal level.
Emphasizing relationship-building and understanding unique client priorities can help retain and better serve female clients. Creating a more personal and trustworthy connection is key!
Take a look at how both women and men ranked the importance of certain advisor characteristics.
Do Your Clients Have A Protected Accumulation Gap? Help clients to identify potential gaps. The future value of invested assets, such as stocks, mutual funds, and even bonds are not guaranteed. If a withdrawal is taken while the market is down it will take an increase in value much greater than the decrease for the portfolio to recover. A fixed index annuity can deliver protected accumulation through a combination of principal protection and index linked interest crediting strategies that may offer more growth potential than other principal protected products.
3 Mark Financial, Inc.
1600 Highway 6 Ste 400
Sugar Land, TX 77478
Call 888-533-6275
Site: www.3mark.com