May 14, 2025
This Week's Highlights & Events
Webinar:
Power of Diversification
Choosing the right index option is one of the most common questions in our industry—and one of the toughest to answer. That’s why we’re inviting you to an exclusive webinar to explore a smarter way forward. Don’t miss this opportunity to gain insights that can elevate your client conversations and help drive better long-term results.
May is Disability Insurance Awareness Month
Disability insurance is often overlooked, but it plays a critical role in protecting income and providing financial stability when illness or injury strikes. NorthCentral DI highlights why this coverage matters—and how you can help clients identify potential gaps in their protection.
Life Insurance
Discover 10-minute takeaways to grow your business.
Here’s what’s new this week in Life Essentials...
May Trimester: Estate planning—What’s on the Horizon?
New Blueprints materials on Generational Wealth available now
Time is running out! Encourage eligible clients to act now for a complimentary multi-cancer screening test
May Webinar: Eyes on Washington—The State of Tax Legislation
Elevate Your Skills: Join National Life's May Training Webinars
Unlock new knowledge with National Life's training opportunities. Register today to maximize the benefits of their comprehensive portfolio:
Product deep dives
Uncovering sales opportunities and the art of the sale
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 & the Agent Portal
Life insurance provides important death benefit protection that can help loved ones cover expenses, replace income, or help protect their future. With economic uncertainty, rising costs, and financial protection top of mind, understanding the value of life insurance can be more important than ever. Use our resources to dispel the myths and show your clients how life insurance can fit into their financial plan.
Take a look at the latest issue of The Lincoln Leader featuring:
Now available: Lincoln WealthBuilder ECV IUL
Indexed Account Analyzer Tool now available for Lincoln WealthBuilder ECV IUL
Now available in Montana: MoneyGuard Market Advantage
ICYMI: Lincoln VUL and MoneyGuard Market Advantage investment option updates
Lincoln MoneyGuard online interview process updates
Term integrator replacement workflow updates
The Lincoln Playbook
New business form updates
Based on industry trends and your feedback, we've made enhancements to our business-owned term life insurance offerings, making it easier for you and your advisors to help clients meet their ambitious goals. Register for our webinar on Tuesday, June 3, as we dive deeper into business cases.
Check out our latest Sales Flash featuring:
SwiftTerm ® reprice: New season, new rates
Two more reasons to choose Accumulator Ascent IUL
Your one-stop shop for term
Is it time for a policy review?
Updates to Symetra’s GoodLife Rewards program
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.
Underwriting & New Business
Have You Heard About PHRs? Pacific Healthy Rewards (PHR) is our holistic, personalized
underwriting philosophy that recognizes and rewards your clients for their commitment to health, an active lifestyle, and overall well-being. Sounds great—but what does that really mean for your clients? Since launching PHRs late last year, we've seen an 8–10% improvement
in underwriting class offers that would have traditionally received a Standard rating and now with PHR’s being upgraded to Preferred or even Super Preferred. Isn’t it time you introduced your producers to this powerful tool and brought even more business to Pacific Life?
Advanced Markets
To differentiate employers in attracting, retaining, and motivating top talent, life insurance can be a valuable incentive for key employees. Join us for a discussion of two popular strategies for deploying life insurance as a compensation tool: Key employee bonus and split-dollar: Compensation strategies using life insurance.
How much taxes will your clients pay in retirement? Why don't they set that money aside now? Show your clients how to use the cash value from a well-funded life insurance policy to pay the taxes on their retirement distributions.
Hybrid Products, LTC & DI
Bridging the gap with Nancy Cooke: In this exclusive interview with Nancy Cooke, National Sales Vice President at Securian Financial, learn how your agents can leverage our new Own It campaign. Own It is designed to help your agents acknowledge women's unique financial journeys, transform their client relationships, and capture this massive market opportunity. Go to our dedicated distributor website to access this exclusive interview.
Check out the results From the Annual Cost-of-Care Study.
Long-term care planning doesn’t need to follow a one-track path. Rather than forcing a choice between traditional and asset-based LTC options, why not blend the benefits of both? Check out our latest Sales Idea Flyer showing you how to present these combined LTC strategies effectively—highlighting the strengths of each product to deliver wider coverage and greater value. It’s a smart, balanced solution that truly maximizes client benefit.
Annuity Solutions
Help Capture The Market's Upside While Eliminating Downside Risk
When speaking with clients about market-based solutions, it’s important to emphasize the balance of growth potential and protection—especially with today's volatility.
78.82% of the time, the S&P 500® Annual Point-to-Point Index Interest Account would have delivered a positive return over the last 40 years.* Use this historical return table to show how frequently the market delivers gains.
Highlight that clients never lose their principal due to market downturns.
Point out the optional triggered and participation rate strategies for even more tailored growth options.
Bulls, Bears, and Long-Term Success
As the saying goes, progress isn’t linear. While U.S. markets have trended up over a long enough timeline,* clients still must successfully navigate the ups and downs to realize their long-term goals.
Historically, the U.S. market trends up, and the longer your timeline, the more likely you are to experience gains. But, by highlighting the bull- and bear-market periods, we see that the real-life journey to long-term, positive returns requires successful navigation of the market’s ups and downs.
Use this piece to highlight the relationship of bull markets to the bear markets that came before.
3 Mark Financial, Inc.
1600 Highway 6 Ste 400
Sugar Land, TX 77478
Call 888-533-6275
Site: www.3mark.com