February 5, 2025
This Week's Highlights & Events
Webinar - LifeCare: More Growth, More Protection, More Possibilities
Join us this afternoon for an exclusive look at John Hancock’s innovative new LifeCare product.
LifeCare is designed to help your clients do more—grow their benefits, maintain better health, and gain flexibility at claim time. In this session, we'll walk you through how LifeCare delivers:
More Growth– Annual Benefit Lock Guarantee helps hedge against inflation
More Healthy Days– Clients can positively impact their policy with Vitality PLUS
More Choice– Indemnity and reimbursement benefit options at claim time
More Tax-Favored Treatment– Income tax-free benefits and potential LTC premium deductibility
More Experience & Support– Backed by 160 years of expertise and care management resources
Life Insurance
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.
Unlock new prospects with our latest IUL.
Enhance your social media presence and boost your marketing efforts during Insure Your Love Month. Utilize these new resources to help promote the importance of life insurance all month long.
Take a look at the latest issue of The Lincoln Leader with the following articles:
Introducing Lincoln AssetEdge VUL (2025)
Introducing Lincoln AssetEdge SVUL
3 Tips to Avoid Unintentional Premium Payments
Enhanced Safety Measures for Lincoln's Websites
New impairments now available on eValuate
Online Interview Process Updates
Focus on Online Interview
LGA Doubles Retention Limits & Increases AUW Coverage: Our retention limits have doubled to $4 million for ages 20-75, up to Preferred Plus to Table 4. Now, eligible applicants aged 20-60 can access up to $4 million in coverage with instant, exam-free decisions through our accelerated underwriting (AUW). This means less hassle and more coverage for your clients, helping them protect their biggest moments and the future they’re building—faster and easier than ever before.
Check out our updated rates on select products.
Address 3 common concerns during Insure Your Love month.
41% of Americans don’t own any type of life insurance — individual or group. Use our guide to discover how easy it can be to offer life insurance, anticipate the needs of your clients, and sustain your business strategy.
Allianz Life Accumulator rate change – effective today. Cap and participation rate decreases are effective today on Allianz Life Accumulator Indexed Universal Life Insurance Policy.
Based on the new historical look-back data available for 2024, the illustrated rates for Allianz Life Accumulator have been updated, resulting in a new AG 49A required maximum illustrated rate of 7.34%. Please refer to the illustration software for the maximum illustrated rate for each specific allocation option. New maximum rates will be effective and updated in the illustration software system today. See what's changing.
Looking Back ... And Looking Forward. Read Senior VP & Senior Distribution Officer Matt Canterbury's memo where he reviews the past year and discusses the potential of the new year in his annual letter to all.
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.
Introducing LifeCare, a hybrid indexed UL life insurance solution with long-term care benefits. This product offers your clients a unique way to reposition assets today for a more secure tomorrow. LifeCare’s modern design, intuitive digital application, streamlined underwriting process, and integration with the John Hancock Vitality Program make it a compelling life insurance choice for today’s customers. Learn more about LifeCare.
Access our 2025 Fingertip Tax Guide. This Guide reflects 2025 inflation adjustments related to individual income taxes, transfer taxes, business taxes, retirement contribution limits, and more.
Help your clients leave a lasting financial legacy with our $99 legacy strategy. See how clients can provide their children or grandchildren a lifetime of financial protection while funding other goals — like paying for college, a down payment on a home, or supplemental retirement income when they purchase a permanent life insurance policy.
Effective Feb. 28, 2025, our core Symetra Term product’s minimum policy size will be increasing from $250,000 to $1.5 million. This change will apply to clients ages 50 and under, and to sales in all states except New York and South Carolina. Any term cases you have with policy amounts under $1.5 million should be submitted through Symetra SwiftTerm’s award-winning digital life insurance platform. Check out our SwiftTerm website.
Have you reached out to your clients recently about their life insurance?
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.
Underwriting & New Business
Getting your life insurance business across the finish line just got faster. You are now able to send clients a text with an eApp signature link for life applications. You can also send the link by email. Both options are also available for annuity applications
Advanced Markets
The Social Security Fairness Act is welcome news for 3 million Americans. It boosts monthly benefits and calls for back payment of benefits withheld. But not everyone’s happy as the new law hastens Social Security’s projected future insolvency. Find out what changed and what you should do about it in our new Advanced Market Insights piece.
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.
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.
Building trust and connection....What do clients want from you? We recently shared that 80% of widows leave their financial advisor within a year of their husband’s death. While these clients may recognize the value of professional advice, they might not feel deeply connected to their current advisor, leading them to seek someone they connect with on a personal level.
Emphasizing relationship-building and understanding unique client priorities can help retain and better serve female clients. Creating a more personal and trustworthy connection is key!
Take a look at how both women and men ranked the importance of certain advisor characteristics.
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