PRODUCER ESSENTIALS

November 26, 2025

This Week's Highlights & Events

As we head into the holiday weekend, all of us at 3 Mark want to wish you and your families a very Happy Thanksgiving. We’re grateful for your partnership, your trust, and the work you do every day to support clients. Wishing you a safe, restful, and meaningful holiday.

The LIBRA/RGA Strategic Underwriting Program is designed to give you a competitive edge.

Through our partnership with RGA, the world leader in facultative underwriting, 3 Mark distribution receives exclusive access to specialized expertise that can strengthen offers, accelerate underwriting, and boost case placement success. This is a powerful resource for cases that need more attention or when a carrier can’t review informally.

Get the RGA Program Overview.

Life Insurance

What if the cure for cancer is in the tip of a needle?

Take a closer look at the Longevity Preparedness Index, offering a new lens on how prepared Americans are living longer, healthier, better lives. From care and housing to health and social connection, tune in to hear how this first-of-its-kind report is shaping the future of longevity planning.

Show clients how to put taxable assets to work.

Coming soon! Rate increases on many inforce IUL policies.

This Thanksgiving, spend less time doing paperwork and more time making memories.

Looking to help your clients grow cash value? Explore the potential of our Nasdaq-100 Index strategies.

Check out the latest Life Essentials...

SVUL Protector: Evolving to better serve clients
Trimester sales startegies: Legacy Planning
Starting the estate planning conversation wityh Black Americans
Updated performance insights are now available
FlexGuard Life IVUL 2025: Available in Pennsylvania
New product support in LifeInsight
and more!

Following NAIC guidelines, United of Omaha Life Insurance Company is required to provide all of its producers with information about the expense allocation method used by the company in its illustrations.

Following NAIC guidelines, Companion Life Insurance Company is required to provide all of its producers with information about the expense allocation method used by the company in its illustrations.

Your clients want to do whatever they can to protect their families. Help them continue that protection with the Guaranteed ADvantage Accidental Death Insurance.

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.

North American has expanded eSignature options as of Tuesday, October 28. Read our recent field bulleting to see the recent expansions.

Take a look back at what we've accomplished - together.

View the latest issue of The Lincoln Life Leader featuring:

New paperless options for life insurance clients
Program Ending: DCA 10% Fixed Account Enhanced Interest Rate Program for Lincoln MoneyGuard Market Advantage
Lincoln Financial to work with policy owners impacted by financial hardships caused by federal government shutdown in Delaware
Signature and documentation requirements
Best practices for closing your life insurance business with Lincoln

We're excited to introduce the Agent Ready-toSell-tool - a self service solution designed to streamline agent onboarding and readiness tracking. Access the tool via your dashboard.

Take a look at Massmutual's new Enhanced Surrender Value Rider (ESVR) and Guarantee Issue (GI) Rate Class added to our Whole Life portoflio.

Reminder: Variable product fund substitutions and other changes November 14-17.

An industry first - $75M Automatic Capacity and Jumbo Limit.

Find out how clients could get competitive level premiums with a no-cost return of premium feature.

Encourage your clients to use our new customizable tax worksheet with their tax advisor to help them determine how effectively they are managing their tax liabilities.

Help address volatility with a diversified strategy.

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.

Save time with our new IUL allocation tool.

Working with a Professional Athlete? Solutions designed for highly skilled and trained sports participants require a flexible and comprehensive life insurance prgram. Ours includes:

Term & UL coverage optionals for personal coverage
UL products for business coverage
Pro athlete cases are retention sale with facultative coverage available at higher amounts
and much more!

Get the details on guidelines for applications and inquiries.

Access additional underwriting specific resources.

Access additional underwriting Corebridge Partners/QOL resources.

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

Underwriting & New Business

Underwiriting Hot Topic: Improved offers for benign prostate conditions

Reminder: Through Dec. 31, 2025, eligible Accumulator Ascent IUL clients automatically mve from Preferred Non-Nicotine to Super Preferred - no extra steps required.

Check out our updated underwriting guide and accelerated eligibility checklist to reflect program enhancements.

Help your clients understand what to expect after submitting their term application. Our new flyer breaks down the three possible paths - instant, accelerated and traditional.

Advanced Markets

Where complex cases meet simplified solutions.

Hybrid Products, LTC & DI

This month, we recognize the millions who selflessly care for loved ones—often while juggling work, family, and financial responsibilities. With most caregivers still in the workforce, protecting their own income is essential. Disability insurance helps safeguard against the financial strain that comes with unexpected illness or injury, giving families flexibility and peace of mind when they need it most.

As we reflect on what we’re grateful for this Thanksgiving, it’s also a perfect moment to discuss protecting the income that supports it all. A quick income-protection conversation today can provide lasting financial confidence.

As we continue to recognize the importance of long-term care througout this month, we invite you to take a closer look at the findings from our partnership study with CLTC and Amada Care.

LTC Awareness Month Wrap-Up. Check out these tools to keep the momentum going.

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

Offer a 24.9% compounded bonus - no fees, no vesting. Through MarketEdge Bonus Index, an accumulation- focused fixed index annuity, offer clients a 24.9% compounded bonus, poweful accumulation potential and zero downside risk.

Add more value to your client realtionships. 23% bonus over three years to help your clients grow their savings and reach their accumulation goals. Check out all our value add programs - 15 in all.