December 11, 2024

Did you know Columbus Life’s parent company is a mutual company? But what does that mean to your clients? Good news … We can explain in less than two minutes.


What does capital-to-asset ratio have to do with the weather? And why should it matter so much? Don’t wait for a rainy day to watch this.

Tune into the latest episode of our Longer. Healthier. Better. podcast, featuring an in-depth look at trends in nutrition and obesity with Dr. Christina Economos, Dean of the Friedman School of Nutrition at Tufts University.

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.

Help your clients can tap in to the pulse of today’s economy with the Nasdaq-100 Index, now one of the index-linked interest options available with Symetra’s Accumulator Ascent IUL (indexed universal life). Learn how the index tracks the performance of the 100 largest non-financial companies on the Nasdaq Stock Market, providing broad sector coverage.

Watch our Cancer Care Compass employee spotlight: Zeenath’s story.

Is philanthropy a priority for your clients? Our Charitable Giving Benefit is a no-cost feature available with Symetra permanent life insurance policies. It pays an additional 1% death benefit to a qualified charity of the client’s choice upon their death. Learn more about our no-cost rider (PDF)

Here's what's new this week in Life Essentials:

  • Trimester Sales Strategies: Closing the year strong

  • 2025 Policyholder Dividend Scales

  • Prudential Momentum IUL - Now Available in California

  • Discover the 2025 Blueprints to Black Wealth themes

  • Exciting updates to our Blueprints to Black Wealth Playbook

  • And more!

Register: Navigating the post-election landscape.

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.

Are you looking for tools to help grow your life insurance business? Check out North American's Marketing Hub website...

Stay ahead of fraud.


IUL for a child? 

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!

Help term clients get protection faster - we've made it easir.

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.

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

Discover the speed and simplicity of Prudential's PruFast Track program, a digital, paperless process that expedites the underwriting process for eligible life insurance applicants. It can help clients get approvals within days, and often without the need for new medical exams. Learn how PruFast Track ensures a seamless underwriting experience across most of Prudential's life insurance products with the new PruFast Track Process Overview brochure.

We are committed to making it easier and faster to do business with us via Protective Velocity.. As part of this initiative, Protective is implementing changes to accelerated underwriting cases that are now in effect. With these changes, we aim to reduce cycle time, and ultimately, help increase placement rates. As a result of these changes, cases will be closed and marked as “Incomplete” if the requirements are not received within the established timeframes. Visit our website for a summary of the changes.

Advanced Markets

Register for the Year-End Planning Webinar.

Listen or read Building Wealth Outside the Business: Most business owners say that their best investment is into their own business. And that makes sense, however, there is always a possibility that their business could face legal liability or other debt at any time. It makes sense for a business owner to build some wealth outside of the business that is owned personally by the business owner, not the business.

Hybrid Products, LTC & DI

When the need for long-term care services arises, our policyholders can count on us. They know their Mutual of Omaha long-term care insurance policy will help them pay for covered services. They also know our claims representatives are here to guide them every step of the way. Check out our Claims Value piece providing an overview of our claims paid, along with a look into who needs care, where care is given, and why people need care.


Use our Having Conversations that Matter Flyer as a quick reference resource to help ensure you don’t miss any indicators of a possible need.

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

Give clients the opportunity for predictable growth for multiple years with the 1 Year S&P 500 10% Daily Risk Control Trigger Lock, available with Lincoln fixed indexed annuities:

  • New: Lock in guaranteed rates for multiple years

  • Growth: when the index is up or flat

  • 100% downside protection: when the index is down

  • Tracks the S&P 500% Daily Risk Control 10% Index, with a close correlation in positive performance with the S&P 500

  • Potential for a higher specified rate with a volatility-controlled index

Year-End Guidelines

Review each carrier's year-end guidelines by clicking the name of the carrier:

3 Mark Financial, Inc.
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Sugar Land, TX 77478

Call 888-533-6275

Site: www.3mark.com

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