April 23, 2025

This Week's Highlights & Events

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...

  • May Webinar: Eyes on Washington—The State of Tax Legislation

  • Interested in more market growth potential with a level of downside protection?

  • Join an elite network of Blueprints to Black Wealth certified financial professionals

  • April Trimester: Start critical conversations with clients about longevity

  • Prudential FlexGuard® Life IVUL — Available in Vermont

  • Updated hours for the Licensing & Appointments status lineExciting updates to Life Case Tracker

  • 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

Order free customizable postcards to grow your business.

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

As part of our commitment to help you better serve your clients, we're informing you of upcoming fund changes to Protective Strategic Objectives II VUL.

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.

Want “locked-in” growth potential for your clients? Offer more growth potential with LifeCare. With John Hancock’s new LifeCare, your clients can benefit from the built-in “locked-in” growth potential — a key feature in this innovative hybrid indexed UL with long-term care benefits.

Check out SPOTLIGHT: The latest news and updates from John Hancock Insurance:

  • New research debunks common myths about guarantees — and reveals what clients really want

  • Check out the latest LifeCare resources

  • Celebrating 10 years of John Hancock Vitality with proven savings

  • Lindsay Hanson reflects on a decade of behavioral insurance

  • Exclusive LifeCare webinar: Protecting assets under management

  • Discover the new Accumulation VUL — a product for all seasons

  • And more...

Principal Product and New Business Underwriting News: One source for important news. Get the latest about our life insurance and individual disability insurance (IDI) products and new business and underwriting services to help you effectively write, submit, and place your business.

Underwriting & New Business

Advanced Markets

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.

Annuity Solutions

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.  


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.

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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