January 22, 2025
Life Insurance
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.
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.
Our Guaranteed Refund Option (GRO) Rider provides seven select window periods in which policyowners can surrender their policy and receive their paid premiums back. This rider is automatically included on all qualifying policies, with no extra charge. To find out more about this benefit, read our updated sales flyer.
Engage with Simplified Issue Life Content on the SPA Social Hub.
Introducing Protection Builder IUL 2...
Boost your sales with this IUL strategy
Navigate common solve scenarios and case design...
North American is discontinuing sales of Custom Guarantee Universal Life Insurance (CGUL) effective February 21, 2025, in all states. Learn more.
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.
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.
Important update: Upcoming system migration and business processing details.
Support for our producers and customers affected by the California wildfires...
Life Insurance with a Side Fund Concept. Use this new concept and see the power of combining a cost-effective protection-based life insurance product with external investments.
You asked, we listened! Check out our new enhancements to our partner portal.
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.
Underwriting & New Business
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
Join us for a post-election tax and legislative update.
Explore BOLD. BOLD is a ready-made marketing program for financial professionals to use with business-owner clients. With this toolset, you can empower your business-owner clients without starting from scratch.
North American offers comprehensive solutions for a variety of needs. To help review a client’s needs and prioritize areas of concern, download the Five Core Needs worksheet to walk through each area.
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
What happens when a client is partially disabled but still working? Many professionals overlook this crucial aspect of disability insurance. According to industry data, a significant number of clients experience partial disabilities rather than total disabilities. This reality raises an important question: How can we better support these clients during challenging times?
Annuity Solutions
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.
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
3 Mark Financial, Inc.
1600 Highway 6 Ste 400
Sugar Land, TX 77478
Call 888-533-6275
Site: www.3mark.com