November 27, 2024

This Week's Highlights & Events

What is your story?

In the world of disability insurance, stories are more than just narratives—they're lifelines.

Recently, a producer reached out to us about a client who faced a life-altering accident. A

physician, once thriving in his career, now grapples with the reality of never working again.

Thankfully, he had some disability insurance, but here’s the kicker: he was underinsured.

Years passed, and as he transitioned from residency to a high-paying position, his coverage

didn’t keep pace with his new reality. This situation serves as a stark reminder of the importance

of not just selling a policy but understanding the story behind it.

This producer, despite the unfortunate circumstances, turned this experience into a

commitment. He vowed to actively evaluate his clients’ coverage and ensure they’re adequately

protected against the unexpected.

It’s a powerful lesson: we must prioritize our clients’ stories. By doing so, we can tailor our

recommendations to fit their evolving needs.

So, we challenge you: when was the last time you took a moment to listen to your clients’

stories? How can you better serve them by understanding their journeys? When did you last

visit with existing DI clients about increasing their paycheck protection level to maintain pace

with their increased income?

Please give NorthCentral DI a call at 866-598-0020 to visit more about this opportunity or to

request a quote!

Life Insurance

Check out the latest issue of Spotlight, featuring the latest news and updates from John Hancock Insurance. In this issue:

  • Feature Story: New service empowers your clients to age-in-place

  • The essential tool to easy product comparisons

  • Discover how our products meet various living-benefit needs

  • Webinar Replay: LTC planning for tax and wealth-distribution efficiency

  • Vitality: Last chance to quality for our South Africa Vitality trip — don't miss out.

Register: Navigating the post-election landscape.

Learn what's new in Life Essentials...

Knowing today’s risks is key, but effectively managing them means helping protect against tomorrow’s unforeseen financial risks. You’ll be able to empower clients to understand how life insurance, with its death benefit, can help provide protection for today and flexible
options for the future. Engage the sales kit on our Trimester Sales Strategies site and put this sales idea into action.

Explore the newly designed Plan for Life brochure and discover how unexpected events can challenge your clients’ financial stability. Find out how with Signature Performance IUL, they can enjoy the security of a death benefit and the flexibility of accessing cash flow during their lifetime.


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.

November is Alzheimer’s Awareness Month, a critical time to highlight the emotional and financial challenges faced by those impacted by Alzheimer’s. With nearly 6.7 million Americans affected—and numbers projected to rise—there’s a growing need for early planning, especially around long-term care. National Life’s resources, including living benefits, help families prepare financially for the future, alleviating some of the caregiving burden. This month, take the opportunity to educate clients on options that can safeguard their financial well-being.

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.

Check out the latest issue of the Lincoln Life Leader. In this issue:

  • Lincoln VUL Dollar Cost Averaging Fixed Account Rate Program Extended for Lincoln AssetEdge VUL

  • November is Long-Term Care Awareness Month

  • Phone Routing Enhancements for Financial Professionals

  • And much more!

MyProtective is moving to finpro.protective.com in early 2025. To keep your account access, follow this link, Select "Start the process on MyProtective.", Log in to MyProtective, Verify your email address, Access your new dashboard.

Offer term clients future protection and fill coverage gaps with our conversion rider.

As of December 31, 2024, new sales of Protective Custom Choice UL will be discontinued. We are pleased to offer a comprehensive alternative: Protective Classic Choice term and the optional Conversion Choice rider with ExtendCare. Here are our top sales ideas for CCUL:

Underwriting & New Business


Skip the lab work and get business issued faster

New fluidless underwriting option for death benefits up to $5 million

We’re doing more to expedite the underwriting process and help you get business issued faster. Skip the lab work by using the new fluidless underwriting option for death benefits up to $5 million. Get all the information on our underwriting pathways.


Underwriting class updates: North American is updating the language we use on underwriting decisions. For a short time, you may see slight variances in the classes and table ratings. To learn more about this update, read here.   Learn more

Discover a more seamless process for term applications. Agent Assist is now available for ADDvantage Term. When filling out the SimpleSubmit e-app in person or virtually, select to have the Online Part 2 sent directly to you, allowing you to complete the medical and lifestyle history questionnaire alongside your client for a more seamless application process.

Advanced Markets

Finding new business-owner clients can be challenging, and often producers hesitate to contact them even though they are in many ways ideal clients. How can you break down the obstacles and work more closely with the business owner market? And can Advanced Markets help? Check out the materials included in this month's digital kit that can help drive conversations with potential business-owner clients in an effective and strategic way.


How might the election effect business? North American recently hosted a webinar discussing the potential impacts of election results on the business landscape. Watch the recording to understand how policy changes could affect business operations and growth, and gain insights to prepare for upcoming changes. 

Use the EPIC approach as your guide. Our estate planning, individually centered (EPIC) approach is your agents’ guide to estate planning. Estate planning is not a static last will and testament thrown in a drawer and forgotten. It’s a plan that should be designed by the client and guided by a financial professional and their legal team.

Do you have complex questions regarding your business? Look no further than the Advanced Markets Q&A book.


SECURE Act 2.0 may have an impact on the financial planning decisions of many Americans. See our summary of the changes that provides descriptions and effective dates for key provisions contained in the SECURE Act 2.0.

Hybrid Products, LTC & DI

Hear from Carrie Hartgen, Vice President of State Government Relations on the latest legislative and regulatory updates affecting long-term care (LTC) services and programs. We cover what’s going on at the state level with proposed programs in California, Washington state, and Minnesota, as well as what’s happening with states currently studying the possible impact of future LTC needs. Get up-to-date information, plus insights into what effect an election year is having on these legislative and regulatory activities.

Annuity Solutions

Lock In Your Client's Growth Opportunities. A consistent cap rate for the Strategy Term, no market-based losses…Give your clients some reassurance with a Point-to-Point with Locked Cap Interest Crediting Strategy available on Global Atlantic's ForeAccumulation II FIA. Locked cap rates are guaranteed for either 5-Year or 7-Year Strategy Terms.

Have you had conversations with clients about Roth IRAs and converting money over from their Traditional IRA? Good news — EquiTrust makes it easy. View our flyer to learn more.

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

Copyright 2024. All rights reserved 3 Mark Financial, Inc.