February 26, 2025
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: Get the essential details upfront and reduce the need for back-and-forth.
Ensure Accuracy: Capture all the necessary information accurately to avoid delays.
Speed Up the Process: With the right information at your fingertips, you can move clients through the process more quickly and confidently.
Life Insurance
Take a look at the latest issue of The Lincoln Leader with the following articles:
Lincoln DesignIT Illustration Updates
ICYMI: Pricing Update - Lincoln LifeElements and Lincoln TermAcel
Enhanced safety measures for Lincoln's websites
Updated web content helps clients prepare for 2024 tax season
And more...
Stay In The Loop. Our February edition includes:
We're updating rates on select products
Flexible term coverage tailored for clients
Keep momentum going as Insure Your Love month wraps up
Download 2024 tax documents now — secure, easy and online
See how you can use PL Promise CUL to help meet your clients’ changing needs.
Take inspiration from two sales ideas on how to use PL Promise GUL with your clients: Sales Idea#1. Sales Idea #2.
Check out our Quarterly Market Update - 2025 Market Outlook.
Estimate and compare the future value difference between a taxable product and a tax-deferred product.
Move Sales Ahead: Using Our Backcasting Tool. Our backcasting tool was created to help you and your clients assess the historical frequency of meeting the assumed rate illustrated on their life insurance proposal.
Think beyond the illustration.
Help your clients realize full product potential. Consider our S&P 500 Uncapped Annual Point-to-Point Indexed Account with Spread. It can help them explore market upside without a cap downside. Learn how it can be a real conversation kick-starter with clients.
Understanding that ease and speed from submission to policy issue are essential to closing the sale, we are pleased to offer you – and your clients – a modern purchase experience. Join us and discover the key benefits you will experience when applying for LifeCare.
Take a look our latest Spotlight featuring:
Vitality program featured in Congressional hearing
Tell the LifeCare story: Your sales resource guide
Discover Growth Positioning Stories (GPS)
Webinar replay: LifeCare: A hybrid IUL with LTC benefits solution that delivers more
$100,000 donated through Vitality's Healthy Food program
New for eligible Vitality members: Function Health
Empower clients with smart estate planning. Your Sales Idea for February is here. Now is the time to help clients create flexible estate plans that enable them to make the most of today’s landscape while being prepared for whatever tomorrow may bring. Activate this sales idea by using the sales kit on the Trimester Sales Strategies site.
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.
February webinars: Fall in love with learning
Register today to maximize the benefits of our comprehensive portfolio! Select sessions are also presented in Mandarin and Spanish.
Product deep dives
Uncovering sales opportunities
Advanced Sales concepts including CPE credit-eligible training
Retirement Sales strategies and best practices
Running and using illustrations (from basic to advanced design)
Field underwriting and best practices for app submission
New agent introduction to doing business with National Life Agent Portal
Explore common sales concepts of Protection Builder IUL 2.
Discover the new, secure process for submitting and retrieving inforce policy documents. This process will protect sensitive information, ensure faster processing, and provide convenient access through the Agent Portal starting March 17.
Underwriting & New Business
Simplifying the MassMutual underwriting experience and streamlining paperwork.
In case you missed our latest webinar Underwriting Uncovered: Navigating Impairments, access our field UW questions and get information on next month’s topic.
Life Case Clinic: Sleep Apnea Fact: Nearly 30 million Americans live with sleep apnea disorder. See how one with this diagnosis was still offered a whole life coverage.
Check out our new Risk Class Name Changes. Pacific Life announced new Risk Class Naming Conventions for PL Promise products. All applications dated on or after February 21, 2025, will receive the risk class names listed in their recent bulletin.
Find out how we're making it easier to apply for life insurance.
Advanced Markets
Do you have complex questions regarding your business? Look no further than the Advanced Markets Q&A book.
Join the Advanced Markets team as we talk through RISR - the recently launched comprehensive business owner engagement platform.
Read the February Market Minute, exploring creative executive compensation strategies including executive bonuses, split dollar plans and non-qualified deferred compensation. These strategies can help your business-owner clients attract highly qualified candidates, and better retain key employees that are critical to the success of the business.
Win in this market. Win in all the markets.
Life insurance opportunities in the new administration: Consider this presentation Part 2 of our January webinar, “Post election tax & legislative update.” Where do your best prospects lie? Join Securian Financial for more discussion of potential life insurance opportunities in the new year.
Hybrid Products, LTC & DI
Asset Care 2024 in 2025. As your new One America Financial Account Management team we're kicking of the year by making sure all our key distribution partners have all the tools needed while we continue our Asset Care 2024 product rollout.
California Life Training Requirement - New life insurance training is required. Please review the corporate compliance bulletin for details.
I
Rates for some OneAmerica Financial company products changed February 15. Review the rate changes that recently took effect.
Annuity Solutions
EquiTrust makes it easy to transfer an Inherited IRA to a Non-Qualified contract.
MarketPower Bonus Index, our popular bonus fixed index annuity (FIA), is now available for Inherited IRA business. This means you can offer ineligible beneficiaries with an Inherited IRA:
An instant 10% bonus on the value of the Inherited IRA to help offset taxes.
Simplicity and flexibility — they choose when and how much to convert, and we make it easy and reduce paperwork by creating a single mirrored contract.
The ability to turn the IRA into guaranteed income for life through the product’s Income Benefit Rider.
Plus EquiTrust can withhold the taxes. Start the conversation by sharing the Inherited/Stretch IRA brochure with your clients.
Look Beyond Today's Headlines with a Multi-Year Trigger Rate Guarantee
Multi-year rate guarantee with trigger lock. Predictability. Simplicity. Results that correlate to the S&P 500.
Locked 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
Introducing the 1 Yr S&P 500 10% Daily Risk Control Trigger Lock, now available with a Lincoln fixed annuity.
Do your clients have the right risk balance in their retirement solutions? Help them build a portfolio that matches their long term goals. Use our client approved flyer to show how an annuity may help meet their retirement goals.
3 Mark Financial, Inc.
1600 Highway 6 Ste 400
Sugar Land, TX 77478
Call 888-533-6275
Site: www.3mark.com