December 4, 2024
This Week's Highlights & Events
Our Foreign National Playbook is more than just a guide — it’s your comprehensive toolkit for success in the foreign national market.
Packed with valuable insights and curated materials from leading carriers, it provides you with a clear roadmap to effectively serve foreign national clients:
• Access Key Insights
• Leverage Industry Expertise
• Streamline Your Process
Introducing Our New Fact Finder
This new tool will help you gather critical client information more efficiently, allowing for faster underwriting and a smoother overall process. With the Fact Finder, you’ll be able to:
• Simplify Data Collection
• Ensure Accuracy
• Speed Up the Process
This innovative online tool allows advisors to collaborate with their clients, offering the option to partially or fully complete life insurance applications together.
This essential tool is particularly beneficial for complex business cases or for clients who prefer the additional support and expertise of their advisor during the application process.
Life Insurance
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.
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.
Nasdaq-100 Index Strategy now available on Accumulator Ascent IUL.
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 from many of the brands you love
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)
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.
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.
Help clients leave a lasting, meaningful impact.
Remind clients to consider giving their minor grandchildren a truly meaningful gift that lasts a lifetime, is less expensive than when bought as an adult, locks in insurability when they are healthy and has the potential to build cash value.
Read the NAIC Guidelines for Brokerage General Agents in New York.
Following the 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. See if this information pertains to your state.
Learn what IUL Express and Term Life Express have in common and what sets them apart.
Are you looking for tools to help grow your life insurance business? Check out North American's Marketing Hub website...
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.
Advanced Markets
Is a premium financing strategy for funding life insurance right for your clients?
Do you have clients who need a significant amount of life insurance, but accessing other assets or investments to cover the premiums is keeping them from moving ahead? Fortunately, you can help your clients implement a life insurance strategy with a potentially smaller immediate impact on their assets with a premium financing arrangement (PDF).
Meet Marchaun, Katherine and Beady. Ready to tap into a tri-force of advanced markets expertise? This friendly trifecta is a superpowered team that can handle your most challenging cases in retirement planning, business planning, estate planning, charitable planning and tax planning.
Don’t miss our latest episode of Hancock Talks as Carly Brooks and her fellow Advanced Markets’ attorneys share year-end tips and the election’s implications on tax, wealth-transfer and business planning in 2025. This episode is packed with insights and details that enhance the value you offer your clients.
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
Long-Term Care Insurance Awareness Month may be coming to a close, but the importance of including LTC in client discussions remains. Thanks for riding the wave with us.
As of November 18th, our Long-Term Care Claims Department implemented a new claims management system. See how this important change is designed to enhance our service for you and our policyholders.
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.
Check out some social media post ideas that some top producers are having success using. The attached item has both text ideas and link, a simple plug and play.
Annuity Solutions
Training Webinar for Luma's innovative platform. This will provide resources to our advisors to save you time and grow your business. You will have access to Luma's full suite of assets, from learning about the various products, selecting products from a wide range of options, and the ability to assess product performance based on data and analytics. You will be able to easily and instantly compare annuities to find what works best for your clients, all directly through the Luma platform.Luma's technology will integrate directly with our current applications to provide a seamless transition to the platform.
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