April 9, 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.
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.
Do your clients know about life insurance living benefits?
Check out the latest Symetra Sales Flash:
Open the door to future possibilities with SwiftTerm's Conversion Enhancement Rider
Protector IUL and SwiftProtector SM : Protection that’s built to last
Symetra’s Chronic Care Advantage Rider: Access for future needs
Our gameplan for the future: Symetra’s new spot airs during college basketball
Moody’s affirms Symetra’s financial strength rating
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.
In real life, retirees are often concerned with running out of money after their working years. Who is going to pay their expenses when their life savings are depleted? Check out our Life Protection Advantage IUL policy.
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 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.
Wondering how to use PL Promise' life insurance products with your clients? Check out our infographic to help grow your client relationships and unlock new opportunities.
Discover why Pacific Life is optimistic about the future and why you should be, too.
See the many ways PL Promise Term delivers more than death benefit protection.
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.
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.
Check out our approach to impaired risk cases, redefined...Underwriting impaired risk requires deep expertise, flexibility and competitive pricing. At Banner Life Insurance Company and William Penn Life Insurance Company of New York, Legal & General America companies, we process over 22,000 impaired risk cases each year, helping your clients get the coverage they need
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.
Join us for our April webinar - Key Employees & IRS Code Section 101(j). Helping your business-owner clients protect their business from the death of a key employee is an important goal. And compliance with IRC section 101(j) is critical if your clients want the death benefit to remain tax free. Come and learn more about how to comply with this important law.
Hybrid Products, LTC & DI
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.
When clients are searching for a Long-Term Care Insurance policy, they often have multiple considerations. One of the key factors is choosing a carrier that provides flexibility with a range of optional benefits. Learn about how adding an inflation protection rider can provide long-term value for your clients.
Understand the "Middle Market" and Their Need for Affordable Long-Term Care Solutions
Annuity Solutions
Unlock The Power of Seamless Diversification
When markets fluctuate, your retirement plan and savings may feel uncertain. Fixed index annuities (FIAs) can help offer protection from market downturns and the potential for growth.
Diversification is a proven strategy for growth and managing risk. But with so many index options, choosing the right balance of protection and growth can be challenging.
NAC Guaranteed Allocation fixed index annuity offers pre-built Model Blend allocations designed to optimize your client’s annuity performance and simplify the allocation process.
See how Roth IRA conversions are made simple with Lincoln.
Lincoln has streamlined the Roth IRA conversion process using Lincoln OptiBlend® fixed indexed annuity, with these five advantages, eliminating the barriers when clients convert their traditional IRA or 401(k) plans:
Only one application required with a simple “checkbox.” This means clients don’t have to fill out two or more applications.
Clients will only have two contracts — the Traditional IRA and the Roth IRA — which come out of surrender on the same day.
Flexibility for future conversions. Clients can convert as much or as little to the Roth IRA whenever they want, with no need for a new application or contract.
Lincoln can facilitate tax withholding on the conversions.
Clients unsure today can still open a Roth in future years (with a new application)
3 Mark Financial, Inc.
1600 Highway 6 Ste 400
Sugar Land, TX 77478
Call 888-533-6275
Site: www.3mark.com