PRODUCER ESSENTIALS

December 3, 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.

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!

Life Insurance

Show clients how to put taxable assets to work.

Check out the latest Symetra Sales Flash.

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!

Important Updates: Mutual of Omaha Simplified Issue Life.

Low fees are a winning strategy for clients. Check out our flyer to understnad why high fees matter to your clients overall strategy.

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.

Are you looking for tools to help you grow your life insurance business? Check out North American's Marketing Hub - a great place to find product information, client-ready marketing materials, sales concepts, accelerated underwriting, and more.

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

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.

When flexible and growth potential are the priority, check out Protective Strategic Objectives II VUL, offering a strong alternative, delivering the trusted benefits you've come to expect from Protective.

Reminder: Variable product fund liquidation to occur Dec. 15.

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

Where does PL Promise fit with your clients?

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.

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.

Check out our exciting updates coming December 5.

Check out our exciting updates coming December 5 (Corebridge Partner/QOL).

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.

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.

Effective January 1, 2026, Principal Universal Life Provider Edge II (UL Provider Edge II) will no longer be offered in the stat e of new.

How can small business owners plan for success despite economic uncertainty?

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

Underwriting & New Business

We've shortened cycle times to help you close more cases. Get your policy placed in 23 days or less.

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

Automatic. Upgrades. Two words that go great together. 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 IUL policy. That leaves more in the policy to take advantage of future accumulation potential. Get the program details.

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

Underwiriting Hot Topic: Improved offers for benign prostate conditions.

Advanced Markets

Where complex cases meet simplified solutions.

Hybrid Products, LTC & DI

With Long-Term Care Awareness Month and our "Lifeline, Not a Luxury" summer campaign coming to a close, thank you for championing our new tools and helping us drive long-lasting impact.

As December begins, it’s a natural time for reflection, and a powerful opportunity to help clients prepare for the year ahead. Explore why income protection is a smart year-end conversation and how it helps safeguard the foundation everything else is built on.

Annuity Solutions

Clients might feel safer keeping money on the sidelines, but keep in mind that the S&P 500® Index has been positive 81% of the time since 2003*. Lincoln has a strategy that capitalizes on that while providing downside protection. Take a listen to a recent Advisorpedia podcast with Lincoln Financial that looks at growth, protection, and innovation.

* From 4/1/2003 – 4/1/2025, there are 5286 1-year segments which have positive point-to-point performance, 81% of the time.

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.