March 26, 2025
Life Insurance
Read: Allianz Life Named as One of the 2025 World’s Most Ethical Companies.
As the big day approaches, few like to ponder the potential ramifications if the marriage doesn’t succeed. Yet, without adequate preparation, divorce can wreak substantial havoc on one’s finances – impacting both short-term and even long-term retirement goals. Learn more about working with divorced clients.
Do you have a client with a special needs child? Don’t let them leave the care of that child to chance. Help them plan today for a secure tomorrow. View our white paper on life insurance and special needs trusts.
Set up affordable term coverage with the option to convert to permanent IUL in the future.
One of the primary objectives for younger clients is to begin planning for retirement. However, even the most well-crafted plans require a way to protect against unforeseen events. Combine one of our newly priced term products with a John Hancock permanent policy to help clients achieve their retirement goals while ensuring they are financially protected throughout their working years and in retirement.
Help clients protect and fund their future at the same time. Give clients a competitive accumulation option they can depend on with our enhanced Eclipse Accumulator II Indexed Universal Life product. It offers immediate protection while keeping charges low to allow for accumulation potential and market resiliency.
Beginning April 28, fund changes will impact our life insurance, worksite, and institutional products before May 1 and require new materials. Read about our product fund changes effective prior to May 1.
Case study: Take their plans to greater heights with Accumulator Ascent.
Check out the latest Symetra Sales Flash:
SwiftTerm ® replaces Symetra Term for lower face amounts
Maximize policy growth potential with the help of a globally recognized index
Highlighting National Cancer Prevention Month in February
Symetra’s high-net-worth foreign national marketplace goes digital
Private split-dollar arrangements: An efficient way to transfer family wealth
Join Prudential’s webinar on helping clients plan for living longer.
Empowering Black Families: Breaking taboos and building wealth through open conversations. Did you know that 69%* of Black Americans believe that guidance from a financial professional can make them feel more equipped to talk about money? This powerful insight is just one of many revealed in our groundbreaking new study, "Empowering Black Families," available in the Blueprints to Black Wealth Playbook. Dive into the Playbook and engage with a variety of tools and resources to support your conversations with clients and families that can help them make smart financial decisions and grow generational wealth.
Discover FlexGuard Life IVUL, now even better. Exciting features that further enhance its flexibility and customization options have been introduced for Prudential FlexGuard Life. As of March 17, 2025, there are new Enhanced Cap Rate and Dual Directional Index Strategies, and expanded existing buffer options, all with improved accumulation pricing for income solves.* These enhancements create an opportunity for industry-leading designs for both protection and accumulation-oriented solutions. *Subject to state availability.
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.
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
North American's new Protection Builder IUL 2 — offers a guaranteed death benefit up to age 120, competitive premiums, and the potential for cash value growth. If your client has an underperforming policy, would like to see how value-add features like living benefits have improved over time, or have had a recent life change, use our worksheet to help them get the most out of their coverage.
Take a look at the latest issue of The Lincoln Leader with the following articles:
Now available: Lincoln WealthBuilder IUL
Automatic notification or premium due and policy lapse pending
Updated web content helps clients prepare for the 2024 tax season
Guidance for Life and MoneyGuard underwriting quick notes
Let’s face it. Some people don’t like surprises, especially when it comes to a premium increase. Instead, they’d rather have a recurring payment schedule so they can build their budget and stick to it. That’s why Protective Lifetime Assurance UL delivers stable, predictable level-pay premiums, ensuring both you and your clients know what to expect from the policy — both now and down the road. See how Protective Lifetime Assurance UL can deliver permanent protection on a budget.
Discover why Pacific Life is optimistic about the future and why you should be, too.
See the many ways PL Promise Term2 delivers more than death benefit protection.
Looking to Connect with Multilingual Clients? Our client-friendly PL Promise Term2 product guides are available in Spanish and Mandarin.
Underwriting & New Business
Underwriting update for ages 76-79: Effective March 3, 2025, table ratings greater than 4 are no longer allowed for ages 76 to 79 for Protective Classic Choice term, Protective Lifetime Assurance UL and Protective Indexed Choice UL. This change will also take effect for Protective Advantage Choice UL and Protective Strategic Objectives II VUL on March 31, 2025.
We want to make submitting life insurance business easy and efficient, every step of the way. Review our guidelines to help reduce errors and avoid delays in processing applications for illustrated products.
Policyholder Cap Change communication update: As part of an effort to reduce paper consumption, we have discontinued the practice of mailing of rate cap change notices to Indexed Universal Life and Indexed Variable Universal Life policyholders. We will continue to notify advisors of rate cap changes through our usual processes; this change only affects the paper notices being sent directly to customers. As always, cap information along with performance will be available on policy statements. For real time access to the latest cap information, please visit Prudential.com.
Advanced Markets
Help your clients take BOLD action. Business Owner Life-stage Design (BOLD) is a ready-made marketing program for financial professionals to use with business-owner clients. BOLD helps you guide business owners to the right solution for their current business life stage. Whether they’re fully operational, focused on attracting and retaining key talent, or planning for retirement, BOLD has a solution.
Make sure you know these essential concepts for life insurance: Visit our Life Insurance Essential Concepts page and Learn about the Goodman Rule.
On February 25th, the Social Security Administration reported they will be begin paying retroactive benefits and will increase monthly benefits to people whose benefits have been affected by the WEP or GPO. Make sure your clients are aware of this change and help answer any questions they might have.
Hybrid Products, LTC & DI
Annuity Solutions
3 Steps to a Better Retirement Income Plan Guarantee
An important part of the retirement income planning process is to organize thoughts around cash flow needs and whether or not the spending is essential or non-essential. A good place to start with this approach, is by running finances through an income hierarchy chart. This can help map out the different expenses you might expect (as well as those you may not) throughout retirement. Use our guide to help your clients build a better retirement income plan.
Guarantees. Every step of the way.
As you help your clients navigate life's ups and downs, ensuring financial security for their tomorrows becomes paramount. That is why we are proud to present VantagePoint – a multi-year guaranteed annuity (MYGA) product that offers a unique combination of safety and guarantees every step of the way. The VantagePoint MYGA offers fixed-rate returns over multiple years, keeping your clients on track despite any market fluctuations and ensuring a steady income stream. Explore rates and resources.
Educational Resources To Use With Clients:
3 Mark Financial, Inc.
1600 Highway 6 Ste 400
Sugar Land, TX 77478
Call 888-533-6275
Site: www.3mark.com