May 7, 2025
This Week's Highlights & Events
Unlock Impaired Risk Solutions with RGA’s Facultative Expertise
Efficient. Collaborative. Powerful. Underwriting with RGA and 3 Mark.
As a Libra partner with RGA, 3 Mark producers have the opportunity to work directly with the world's leading facultative reinsurer to collaborate on offers on impaired risk cases. RGA has several underwriting niches that can be leveraged to secure offers that may improve the ability to place more cases. This program will bring much-needed efficiencies to the underwriting process and modernization journey.
Life Insurance
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
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
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. Check out the cost of waiting to buy life insurance.
Take a look at the latest issue of The Lincoln Leader featuring:
Coming Soon: Lincoln WealthBuilder ECV IUL: Lincoln’s newest indexed universal life insurance product available May 12, 2025 Effective May 12, 2025, and subject to state availability, Lincoln is pleased to introduce Lincoln WealthBuilder ECV IUL, the second product in Lincoln’s Elite IUL Portfolio. Lincoln WealthBuilder ECV IUL is life insurance built for growth and designed for high early cash value to help clients meet their financial obligations, such as premium financing and business insurance needs while funding life insurance.
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.
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.
It’s fast—approvals can occur in as little as 24 hours.
We have over a decade of experience, making us a market leader.
It’s broadly available—up to $3 million in coverage ($5 million for Principal Executive Variable Universal Life) and all products eligible
Underwriting & New Business
May 1st marked some very exciting changes for those submitting electronic applications to Protective Life.
Improved Accelerated Underwriting Throughputs. That’s right. Protective is adjusting our algorithm to allow for significantly more cases to be approved without a paramed exam. THE GOAL: Double our accelerated underwriting throughput.
New Seamless Online Part II Previously, a proposed insured was required to create a username and password in Protective’s customer portal, to access the Online Part II questions. Now, a proposed insured will receive an email with a CUSTOM weblink, specific to them. The client will click on the link, enter their Date of Birth and Social Security Number, and complete dual authentication (via text or email). Once they are verified, the client can complete the Online Part II questions.
Advanced Markets
Check out our latest Advanced Markets Digital Sales Kit.
If your clients are struggling with how to save for their children's future college expenses, join our Advanced Markets Team to discuss how IULs can be a valuable tool to help them. The cash value accumulated in an IUL can be used for a variety of needs or expenses, including college education. And unlike a 529, the funds accessed from an IUL generally do not affect a student's eligibility for financial aid.
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.
Help clients create a tax efficient legacy. Qualified plans are a good way to accumulate money for retirement but are not as efficient for transferring a legacy to a client’s heirs. At the same time, there is continual tax uncertainty in our midst. Join us as we discuss strategies that show how a tax efficient legacy allows clients to use their retirement assets to transfer wealth to the next generation.
Check out the replay of: Inside the mind of business owners. On April 30, we hosted a webinar where we explored business owners’ top priorities, how they work with financial professionals, and the resources available to help you better support your clients and prospects.
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
Helping clients understand disability insurance doesn’t have to be complicated. Just focus on the four questions they care about most: How much? How long? How soon? How much does it cost? Our quick-read article breaks it down in plain terms Plus, there’s a client-friendly video link included! Read: Disability Insurance Doesn’t Have to be Difficult
Need help with DI case design or illustrations? Contact NorthCentral DI at 866-598-0020 or
When it comes to long-term care (LTC) insurance, understanding how gastrointestinal (GI) disorders are assessed is important for both agents and clients. The specific diagnosis, how it’s treated, and how stable the condition is all play a role in determining eligibility and potential rating. Want a deeper dive? Check out our marketing flyer, Gastrointestinal Issues in LTC Underwriting, for more insights.
Navigating the Unexpected: See how Care Coordination eases the burden of Long-Term Care.
Annuity Solutions
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.
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.
3 Mark Financial, Inc.
1600 Highway 6 Ste 400
Sugar Land, TX 77478
Call 888-533-6275
Site: www.3mark.com