PRODUCER ESSENTIALS

October 29, 2025

This Week's Highlights & Events

Stay on top of important deadlines! Visit our Year-End Guidelines section to see each carrier’s year-end submission requirements. Simply click the carrier name to view details. We’ll keep adding new updates as we receive them.

Explore 3 Mark's exclusive Foreign National Playbook on 3Mark.com to uncover a wealth of valuable resources, ranging from comprehensive insights to a curated selection of materials from leading carriers in the foreign national market. Dive into our Carrier Guidelines at-a-glance for quick reference; and much more!

Webinar: "Framing the Conversation: Advancd LTC Planning for High-Net-Worth Clients

Join us for an advanced discussion with Richard Christman, RVP at Securian, as we explore how to posiiton long-term care (LTC) with affluent clients and business owners.

In this session, you’ll learn how to:

Frame LTC discussions with affluent clients in a way that resonates
Understand tax and Medicare surcharge implications for high-net-worth individuals and couples
Explore executive carve-out opportunities for small business owners — including above-the-line deductibility
Leverage marketing tools and content for November’s LTC Awareness Month
Participate in an open discussion and Q&A to refine your approach

Life Insurance

4Q Market Outlook: Focus remains on the Fed amid inflation concerns.

Check out our suite of resources targeted to multicultural communities, a call center offering support in over 200 languages, multicultural study fact sheets, and translated product and company materials.

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.

Corebridge presents: What you still don't know about Chronic Illness riders.

New tools to showcase a one-of-a-kind rider: Income for Life.

Turn early cash access into a selling advantage.

Corebridge Partners

A no-cost rider that adds real value – Select Income Rider.

New tools to showcase a one-of-a-kind rider: Income for Life.

Turn early cash access into a selling advantage.

Are you on track? Finish strong this fall – big rewards await!

Insider tips to accelerate your year-end sales.

A new era in longevity planning – Introducing the Longevity Preparedness Index.

We've made faster and easier than ever to underwrite Accumulation IUL - GI business - and now it's fully digitial.

Unlock opportunity with the new Accumulation Survivorship IUL.

With Long-Term Care (LTC) Awareness Month just around the corner, you deserve a robust plan with actionable concepts and tactics. Check out our LTC Awareness Month Launch Center.

Streamline case management with one tool...

Join us for an exclusive webinar as we share our latest life product updates and discuss our ongoing collaboration with Nasdaq.

Help clients score lower insurance premiums for healthy living with Symetra's GoodLife rewards program.

Join our exclusive webinar featuring Karen Hofmann, Director of Advanced Planning at Prudential, for practical advice and engaging conversation starters to help you connect with clients about legacy planning.

Check out the latest Life Essentials...

In real life, retirees are often concerned with running out of money after their working year. Who is going to pay their expenses when their life savings are depleted? With our Life Protection Advantage IUL policy, we can help alleviate these worries. This product provides death benefit protection and can also help supplement retirement income for your clients. Read how Life Protection Advantage IUL can help your real life scenarios.

When clients can't qualify for traditional life insurance, Guaranteed ADvantage gives you a powerful way to close the gap - and sale.

Intoducing RapidProtect: Lifelong protection in an instant.

Rate increases for SummitLife IUL. SummitLife indexed universal life (IUL) insurance, designed for high-net-worth clients focusing on wealth creation or preservation, now delivers even more potential.

A bright idea worth sharing...

The One Big Beautiful Act can create planning opportunities for your clients. Position yourself as a professional by integrating these five ideas into your practice today.

Watch the recording: Join America's IRA Authority, Ed Slott, CPA for a transformative presentation on maximizing retirement tax planning opportunities in 2025 and beyond.

Important reminder about Fronting (Ghostwriting).

Don't miss our webinar replay - Rising to meet life's greatest legacies.

Check out our refreshed Advertising Guidelines that combine everything you need to know into one compliance guideline document.

View the latest issue of The Lincoln Life Leader featuring:

Now available in Indiana: MoneyGuard Market Advantage
Reminder: Updates to products available for late duration Term Conversions
Ready to Sell Tool Enhancement: Lack of Production Termination Status
Are your clients taking advantage of Lincoln’s eCapabilities?
2025 Life Insurance year-end guidelines

The path to protecting more people with term insurance can be faster and easier. Check out Protective Classic Choice term, built to accelerate policy placement and simplify your sales process. Our recent term accelerated underwriting enhancements led to improved results, with the fastest decisions for qualifying instant issue cases in as little as three minutes (based on Protective underwriting cycle times as of June 2025).

Make lifetime coverage easier.

Last chance to submit new cases for Protective Advantage Choice UL.

Now clients don't have to sacrifice growth potential and flexibility for long-term death benefit protection. Protective Strategic Objectives II VUL's optional Extended No-Lapse Guarantee rider allows them to have both.

Variable product fund liquidation to occur Dec.15.

Save the date! Join MMSD on Nov. 4.

New York illustrations eligible for DocuSign use.

Maximize your sales opportunities with PL Promise GUL.

See the $12 trillion financial need you may be overlooking.

Gain valuable insights about using life insurance for generational wealth transfer and cultivating client loyalty.

Offer select professional premium savings with 6A+ Occupation Class Overview.

Check out our Business Owner Program Profile.

Check out the latest Principal Product and New Business Underwiritng News.

Underwriting & New Business

Medical Minute: Underwriting insights at your fingertips. New series offers crucial tips to help producers guide clients through underwriting exams.

Check out our accelerated underwriting enhancements for permanent cases including the expansion of accelerated underwriting parameters to allow more cases up to $1 million for ages 50 and younger to qualify for faster decisions. Check out our underwriting details and resources.

Fast-track your business with our Accelerated Underwriting Program.

Can a risk-class upgrade really make a difference? Yes! The better the risk class, the lower your client’s policy fees and charges throughout the life of their indexed universal life (IUL) insurance policy. That leaves more in the policy to take advantage of future accumulation potential.

Last time we offered this program, 91.8% of eligible policies automatically received our best risk class, which they might not have qualified for under our normal, business-as-usual rules. See details of the program.

Advanced Markets

egyGuiGuide your clients who want that can help your business-owner clien

Guide your clients who want estate flexibility, without giving up control or access to their assets.

egy that can help your business-owner clients:

How confident are you in discussing Estate Planning with clients? Check out our Advanced Markets October Digital Kit,

A bright idea worth sharing...

Executive Retention+ can help you pursue larger cases while addressing multiple client needs with a single policy. Get new resources to start building more opportunities with business-owner clients.

Join North American's Andrew Rinn and Polina Engel for an insightful session on Executive Retention+. an innovative, four-tiered strategy that can help your business-owner clients protect their business, reward and retain top talent and support long-term succession goals.tegy that can help your business-owner clients:

Hybrid Products, LTC & DI

Many employees assume that the long-term disability (LTD) coverage provided by their employer is sufficient protection. While group LTD is certainly helpful, it often falls short when it comes to fully safeguarding your financial well-being. See why.

October’s harvest season is a powerful reminder that financial security requires planning; and protection. Check out this short read from NorthCentral DI highlighting why disability insurance is essential to safeguarding your clients’ income, ensuring their long-term goals continue to grow even when life takes an unexpected turn.

Initiate crucial conversations about LTC with our turn-key email marketing campaigns to attract and engage clients. Run your own email marketing campaigns to educate consumers about the importance of Long-Term Care. Each campaign encourages clients to think about their future care needs and positions you as the expert who can help them develop a plan to secure their future. The emails are pre-built and ready to blast – simply add the required information, enter the email’s subject line, and click send.

Check out our Long-Term Care consumer social media library.

Effective October 20, 2025, all long-term care new business (LTC13 and LTC09M-CA) applications will be processed and administered directly by Mutual of Omaha.

Mutual of Omaha's #1 ranking by LTC News highlights its strength, reliability, and value, giving a competitive advantage when helping clients plan for long-term care.

Start the conversation today with clients to inform them how long-term care insurance can help protect the future - and the retirement they've worked hard to enjoy.

Annuity Solutions

Rethinking the 4% Rule: The classic 4% rule boasts an 85% success rate for a 30-year retirement—good, but not great when you’re talking about lifetime income. With a deferred annuity and a guaranteed lifetime withdrawal benefit, clients can generate the same $40,000 annual income with just $534,000, while keeping control of their assets.

Why settle for 85% when you can aim for 100% confidence? Learn about Corebridge’s Lifetime Income Choice GLWB

Want to know how top producers are closing more annuities? It’s all about simple & strategic allocation. By combining Lincoln’s Trigger Account with a Participation Account, advisors have been able to capture consistent growth opportunities while protecting their clients against market downturns. A strategic blend of these two accounts would have averaged 6.8% annual returns over the past 15 years (based on assumptions provided). This approach gives clients confidence in their retirement strategy—while giving you a proven story to win more business. Learn more. View current OptiBlend rates.