January 8, 2025
This Week's Highlights & Events
As 2025 begins, we want to take a moment to thank you for your unwavering partnership, dedication, and trust in us throughout the past year. Your hard work and commitment inspire us every day, and we are truly grateful to have you as a vital part of the 3 Mark Financial family.
The year ahead is particularly special as we celebrate our 40th anniversary, a milestone we couldn’t have reached without your continued support. Together, we look forward to building on our shared successes and achieving new heights in 2025.
May the New Year bring you health, happiness, and prosperity, both personally and professionally.
Thank you for all that you do, and cheers to an exciting year ahead!
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.
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.
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.
Lincoln AssetEdge VUL now offers four optional riders to give your clients multiple solutions for meeting multiple planning goals. Review our Rider objective worksheet to see which riders align with your client’s specific needs.
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.
We were recently honored to host the members of our Field Advisory Committee in our home office to discuss ideas for the new year ahead. The FAC convenes regularly with Columbus Life leadership to discuss ideas for innovation and strategy so we can continue to best serve the needs of our independent agents and our clients. Learn more about our current FAC members or find their contact information to share feedback or ideas.
Our Operational Excellence team refines and organizes our operations to be the best they can be. And it all starts with agent feedback. So tell us how we’re doing. What ideas do you have to share? What should we do less? What should we do more? Help our operation excel for you.
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
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.
Leap into the New Year with your large life cases. Our large case underwriting team is ready to handle all your large case life submissions in 2025.
Magnum Automated Underwriting is available now for all life policies through ExpertApp. Magnum Automated UW features streamlined, automated risk assessment capabilities that facilitate quick turnarounds for clients. Access the guide and learn how you can experience quick and easy underwriting.
Advanced Markets
Join Jordan Skog, Advanced Markets Director, and Robert Richert, Advanced Markets Senior Director, as they explain how their team can assist you in adding value to your client relationships.
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.
Leverage case monitoring for Long-Term Care. Case Monitoring is a great tool that can be utilized for receiving regular case status updates from your LTC case manager.
Understanding the Realities of Caregiving: How LTCi Can Help Ease the Strain. There are many overlooked challenges faced by family caregivers who provide long-term care to loved ones, including the emotional, physical and financial strains that can take a toll over time.
Read the latest OneAmerica Financial Care Solutions Newsletter.
Read about the 2024 Caregiver Study Results...
Check out some social media post ideas that some top producers are having success using. The attached item has both text ideas and link, a simple plug and play.
Annuity Solutions
Help clients optimize their inherited IRAs. Inheriting an IRA comes with its share of complexities. But for the beneficiaries you work with, it doesn’t have to be overwhelming. Did you know there’s a simple, flexible way to help ineligible beneficiaries transfer an Inherited IRA to a Non-Qualified contract at EquiTrust? Learn how to unlock new sales opportunities and help beneficiaries continue growing their inherited funds while they enjoy potential tax advantages.
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
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