PRODUCER ESSENTIALS
December 17, 2025
This Week's Highlights & Events
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.
Life Insurance
In this season of instability, our IULs stand out. Whether it’s the Income Advantag IUL, Life Protection Advantage IUL or Indexed Universal Life Express®, our IUL product offerings are built with stability and transparency in mind backed by a century-long legacy of trustworthines.Watch our Video Message from Jim Duff to find out how Mutual of Omaha provides stability in today’s noisy marketplace.
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.
View the latest issue of The Lincoln Life Leader featuring:
Now available in CA: Lincoln WealthBuilder IUL
Now available in PA - Lincoln AssetEdge SVUL
Extended: Lincoln VUL DCA 8% Fixed Account Rate Program for Lincoln AssetEdge VUL Suite
Program Ending: DCA 10% Fixed Account Enhanced Interest Rate Program for Lincoln MoneyGuard Advantage
New paperless options for life insurance clients
Best practices for closing your life insurance business with Lincoln
Fuel financial goals with proven performance, flexibility and strength
In early 2026, Protective Indexed Choice UL will close to new sales. We're committed to a seamless transition with information and protection strategies to keep your business moving forward. View transition flyer.
Check out our exclusive resources to help you address concerns about volatility:
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.
Explore how guaranteed issue AIUL-GI and AVUL-GI support business client needs.
Vitality - tips for getting gold. With over 20,000 points available, it’s attainable for clients to reach Gold Vitality Status using an approach that works best for them. Check out these four sample paths for clients with different ages and activity levels
An opportunity to support our heroes. By encouraging your clients to activate their John Hancock Vitality account, you'll be contributing to our mission of helping people live longer, healthier, better lives. For a limited time, each activation will result in a donation of a Galleri multi-cancer early detection test to Home Base, supporting special operations veterans at higher risk of cancer. Encourage your clients to register today and join us in honoring our heroes.*
Underwriting & New Business
Closing the year on a high - Autobind+ Increasing Immediately!
Effective December 10, your high-net-worth clients may be able to obtain up to $140M in coverage through Autobind+ - an increase of $10M.
Help boost efficiency with new digital application process for GI sales.
Join MMSD Life Underwriting for our 2026 monthly webinar series:
Discover key underwriting impairments commonly faced in the field
Gain practical tips to accelerate your underwriting process
Review case studies and their ratings for actionable insights
Underwriting Corner Premium Payment Methods & Frequencies. Avoid delays and keep applications moving by using the right payment methods. Mutual of Omaha's Premium Payment Guide outlines acceptable options and key restrictions - so you can process premiums with confidence.
How fast can clients get term coverage? Guide clients through their underwriting options
Getting life insurance can be easier than clients think. Protective helps streamline the process with easy applications and multiple underwriting paths, including:
Fastest instant approval in 3 minutes for qualifying clients who can accept policy electronically.
Accelerated underwriting in as little as 3 days with no medical exams and minimal health questions.
Check out our resource that makes it easy to educated clients on their underwriting options.
Advanced Markets
Check out the December edition of Advanced Markets News including:
Updated resources for 2026 reflecting 2026 exemptions
Timely insights and strategies to support meaningful year-end planning conversations
Legistlative updates
and more!
Hybrid Products, LTC & DI
Introducing our latest LTC Innovation: CareMatters Annuity. CareMatters Annuity is an annuity-based linked-benefit solution with a simple product design that offers your clients:
Triple or double their contract value for LTC coverage
A triple-tax efficient LTC solution
A streamlined underwriting process with no health interview
Improved LifeCare just in time for year end.
With only days left to hit your 2025 sales goals, don’t miss the exciting news:
LifeCare now offers a more competitive 6-year LTC benefit period! This upgrade gives you a powerful way to deliver even more value to your clients. Act now to potentially leverage this improvement and help boost your year-end sales.
As the holiday season approaches, it's the perfect time to remind clients that income is the foundation supporting everhything they care about - home, family, and future goals. Read 'The Countdown Begins - Your Clients' Income is the Star on the tree', highlighting why income protection deserves the spotlight, especially when illnes or injury can unexpectedly interrupt earning power.
Annuity Solutions
Help cients overcome annuity hesititaion, Turn concerns into confidence.
Many clients like the idea of guaranteed lifetime income — until the word annuity enters the conversation. What’s really stopping them? Often, it’s not logic but behavioral biases that create hesitation. Our latest piece, Solving the Annuity Puzzle: A Behavioral Analysis, helps you identify and remove these common roadblocks in client conversations.
Global Atlantic's recent Retirement Insights Survey revealed a surprising discrepancy: While nearly 9 out of 10 investors prioritize investments that provide a steady income stream in retirement, only two-thirds of financial professionals meet that need. We recently made it easier for financial professionals to address this priority:
Income 150+ SE Fixed Index Annuity gives your clients a 20% boost to their Withdrawal Base on day one —which they can activate immediately!
And we just increased the Lifetime Withdrawal Percentages at every age on our Income 150+ SE* Fixed Index Annuity by 20bps.
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