April 30, 2025

This Week's Highlights & Events

Webinar:

Rising Beyond Expectations

Join us for an exclusive webinar as we explore the dynamic and innovative ways Banner Life and William Penn are transforming how we meet your clients’ term life insurance needs. We’ll take a deep dive into powerful solutions designed to deliver greater flexibility, speed, and support for even your most complex cases.

Structured Settlements and Structured Installment Sales

Discover the power of Structured Settlements and Structured Installment Sales. Vist our new Structured Settlements and Structured Installment Sales pages on 3mark.com under Products and Solutions.

Explore how you can leverage Structured Settlements and Structured Installment Sales to create new revenue opportunities.

Maximize Attorney Relationships: Learn how to offer structured settlement annuity products for Personal Injury, Workers Compensation, and Employment Law cases. Discover solutions for attorney contingency fee deferral.

Tax-Efficient Solutions for Business and Property Owners:

Explore safe, tax-efficient strategies to help business and property owners exit with minimized capital gains taxes.

Life Insurance

Variable product fund substitutions and other changes April 25-28.

Take a fresh look at Accumulator Ascent IUL. Now with more index strategies for greater diversification.

Check out our two new index strategies with bonus options added to Accumulator Ascent IUL, providing your clients with even more options for diversification and growth potential.

S&P 500 Index with Bonus: 9.5% cap with .75% bonus
Nasdaq-100 Index with Bonus: 9.5% cap with .75% bonus

Do your clients know about life insurance living benefits?

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:

New model portfolio options for MoneyGuard Market Advantage
Coming Soon – Lincoln Variable Universal Life and MoneyGuard Market Advantage investment option updates
Now available: Indexed Account Analyzer Tool
and more...

Large Cases Simplified - Introducing Your Dedicated Team. Handling large cases requires clarity, consistency and a tailored approach. That's why Legal & General created a dedicated large case underwriting team — so you have direct access to experienced senior underwriters who will guide your cases from start to finish.

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.

Wondering how to use PL Promise' life insurance products with your clients? Here's a sales idea you can put to work today to help grow your client relationships and unlock new opportunities.

Discover the power of implementing a more subtle sales approach.

Build stronger relationships with female clients by helping them address their unique financial planning needs.

Register for our next In the K.N.O.W. event on the Secret Life of Allianz Actuaries.

Make sure clients and prospects know how our Index Lock can help enhance the accumulation potential of Allianz indexed universal life (IUL) policies. See results.

Help your IUL clients lock in gains during uncertain markets.

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.

As we kick off the second quarter of 2025, it’s time to take stock of your progress and ensure you’re on track to reap the amazing rewards from our three exciting incentive programs.

Help clients protect their retirement distributions from taxes. Walk your clients through The Tax Dilemma flyer to help them see if adjustments can help provide greater control of the taxes they'll pay.

Check out our SIWL Bonus video.

Elevate your clients' financial planning with our multi-pay hybrid solution.

Unlock Accumulation IUL's real value with John Hancock Vitality.

Don’t miss the latest episode of the Longer. Healthier. Better. podcast featuring Lindsay Hanson, Chief Marketing Officer and Global Head of Behavioral Insurance at John Hancock.

In this episode, Lindsay reflects on the transformative first decade of the John Hancock Vitality program, discussing key milestones, a pivotal moment in 2018 and her personal experiences as a Platinum status member.

Elevate your clients’ overall financial strategy.

Check out our exciting updates to our variable portfolio.

Show clients how to leverage premiums and retire as millionaires.

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

Symetra Informal Underwriting Guidelines

Looking to submit cases to Symetra for informal underwriting? For clarity, consistency and efficiency when processing new cases, all informal submissions should align with the following guidelines:

Minimum face amounts: $5 millionfor term, $1 millionfor permanentInsured age: 79 or youngerMaximum table rating: 8APS records may not exceed 500 total pagesOnly non-Swift products are eligible for informal review

Introducing MassExpress. MassMutual’s Accelerated Underwriting Program, expediting the application process for qualifying clients by eliminating medical exams and labs — up to $2 million.

Introducing our new Applicant Portal. We're not just talking change, we're delivering it.

Advanced Markets

Join North American and Marshall & Stevens, Inc. to learn how you can be an asset to your clients as they navigate mergers and acquisitions.

Check out the latest edition our Advanced Markets Newsfeaturing:

Business planning doesn't have to be taxing
Hancock Talks: Empowering business owners: strategies to retain top talent
Central Intelligence
Take advantage of JH Solutions today

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

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.