April 16, 2025

This Week's Highlights & Events

Webinar:

The Truth About Social Security: 10 Common Misconceptions

Social Security is a critical and complex program…paying out more than $1 Trillion in benefits annually to over 70 million Americans. Given Social Security's importance, concerns about its current and future state are understandable and misconceptions about how it works or how benefits are paid are unfortunately widespread. Join us to learn the facts behind 10 of the most common Social Security misconceptions.

Webinar:

Joe Ross presents Conversation Starters

Want to spark more meaningful conversations with your clients? Join us for a dynamic session with Joe Ross of Corebridge Financial as he shares 7 powerful “opening stories” designed to grab your client’s attention and naturally lead into impactful life insurance discussions. Whether you're looking to increase client engagement, build trust faster, or simply get your foot in the door—these proven conversation starters are the “table stakes” you can’t afford to skip.

Life Insurance

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.

Discover 10-minute takeaways to grow your business.

Here’s what’s new this week in Life Essentials...

  • Introducing the Dual Directional Index Strategy for FlexGuard Life

  • Newly redesigned: SLAT brochure

  • Empowering Black Families: Breaking taboos and building wealth through open conversations

  • Prudential FlexGuard Life IVUL—Available in Indiana

  • Life Case Tracker enhancements

  • And more...

American National Discontinuing Life Insurance Sales. American National announced that they will stop writing new life insurance business to focus on annuities or other lines of business. Formal applications will be accepted through May 31, with July 31 as the last day to place policies in force. Please see their recent Agent Alert bulletin for key dates and details.

Help clients choose protection to fit their personal needs


IUL Express offers permanent life insurance with growth potential and a simplified issue process.
Check out our flyer to learn more about the ideal IUL Express client.

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

Whether waiting to buy their first policy, or holding off on converting to a permanent product, all of that waiting could end up costing your clients more money in the end. Show your clients the risks of waiting.

Empower your clients to discover the true value of life insurance.

North American offers two top-ranked indexed universal life (IUL) insurance products that lead the industry in competitive performance. Discover how each one can meet the different needs of your clients!

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.

Looking for Comp Down the Road? Real stability is fueled by a comp plan offering income … for life. Columbus Life comp includes lifetime payouts including trails on all in-force policies for life. Plus, beneficiary payouts and much more. It’s a great way to ensure income down the road.

Do you have a client with a special needs child? Help them plan today for a secure tomorrow. View our white paper on life insurance and special needs trusts.

Small and midsize businesses are an important part of their communities and play a key role in strengthening the U.S. economy. While business and financial planning may not always be top of mind, putting the right plans in place might be easier than you think. 

Join us to see more than 1,000 business owners who shared their thoughts with us, revealing their top priorities, the plans they have in place, and whether they’re partnering with financial professionals like you.

Help your clients' coverage keep pace with business growth.

Underwriting & New Business

Introducing MassExpress, MassMutual's expanded accelerated underwriting program.
Now up to $2 million in coverage, MassExpress, MassMutual's Accelerated Underwriting Program, expedites the application process for qualifying clients by eliminating medical exams and labs, creating a streamlined experience.

MassMutual submission and application processes made easier. Did you know non-contracted producers can now submit e-applications while their contracting is in process? This means producers will be allowed to have an e-signature experience and have their contracting process take place while their case is simultaneously being reviewed by MMSD New Business & Underwriting.

Advanced Markets

What if a longtime client receives an offer for their business to be acquired and they come to you for advice—what might be their next step? Join North American and Marshall & Stevens, Inc., to learn how you can be an asset to your clients as they navigate mergers and acquisitions. 

Hybrid Products, LTC & DI

Diabetes is a significant condition that impacts underwriting decisions. However, with proper management, individuals with diabetes can still access coverage options at favorable rates. Understanding the nuances of diabetes types, treatments, and the timing of diagnosis is essential in navigating the insurance landscape effectively. For a more in-depth look at how diabetes is handled in insurance underwriting, be sure to check out our new
Condition-Related Marketing Flyer on Diabetes.

Check out our Physical Therapy underwriting tips.

Many business owners prioritize life insurance to protect their families, but often overlook the importance of a Disability Buy-Sell Agreement (DBO), which ensures business continuity if a key owner becomes disabled. Learn how DBO insurance provides necessary funds for remaining owners to buy out a disabled owner's interest without straining business cash flow, safeguarding both the company's future and employees' livelihoods.

Annuity Solutions


EquiTrust has made additions and enhancements to their fixed index annuity (FIA) portfolio to help you better meet client needs. Learn more about these new products and enhancements.

Do your clients have a Healthcare Cost Gap? Unexpected costs can pose a significant burden for may individuals and their long-term income strategy. This variable is a driving concern for 80 percent of near retirees who face a Healthcare Cost Gap. Do your clients have a healthcare cost gap? Help them identify these potential gaps when building out a retirement portfolio.  

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

Call 888-533-6275

Site: www.3mark.com

Copyright 2024. All rights reserved 3 Mark Financial, Inc.