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

Don’t miss this opportunity to explore how LifeCare can provide your clients with more protection and possibilities.

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

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.

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.

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?


As we start a new year, we also start new tax levels for federal estate and gift taxes. Check out our updated "Fast Facts" flyer providing key tax figures and highlights for 2025.

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.

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.

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.

3 Mark Financial, Inc.
1600 Highway 6 Ste 400
Sugar Land, TX 77478

Call 888-533-6275

Site: www.3mark.com

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