May 8, 2024

This Week's Highlights & Events

Introducing 3 Mark's Exclusive Foreign National Cyber Chat Series

Fabian Gonzalez, Symetra's National Vice President of Multicultural Markets, takes center stage in this edition.

ACCESS CYBER CHAT

"Addressing the Need of Women-Owned Businesses"

Allianz webinar, this afternoon at 2:00 pm Central.

Reserve your seat and join Kaleisha Thody from Allianz as we explore:

What we learned from the 2023 Women-Owned Small Business Study
How FIUL insurance can be a way to customize a solution to help with a variety of women-owned business needs.
The client potential of women business owners
And much more!

Life Insurance

What do realistic outcomes look like…to you…your business…your clients? Our new video gives you a peek. See why Columbus Life is Real Life today.

Are you using life policies designed as modified endowment contracts (MECs) tactically within client portfolios? Do a MEC check using our MEC Guide for full facts.

Turn your client's tax return into a sales tool.

Check out our improved Term rates.

Look...Forbes ADVISOR recently gave 5 Stars to Select-a-Term.

IUL credited rates: Quarterly update.

John Hancock's Accumulation Survivorship VUL has been rebranded to Survivorship VUL (SVUL) — better reflecting the product's dual value proposition. Specifically, it can offer meaningful value in both accumulation-based and death benefit protection solutions, which is
especially important as the estate tax exemption sunset looms. Learn more.

Download our newly updated Factfinder tool, simplifying the process of collecting critical information from your clients.

Check out sales ideas for small businesses.

Could you use a comprehensive hub of ideas to help clients maximize their assets and minimize their taxes? Look no further than securian.com/life-ideas.

We are excited to share the first in a series of success stories from MassMutual Strategic Distributors, beginning with a concerned business owner who replaced their Indexed Universal Life Insurance (IUL) policy with a MassMutual 10 Pay Whole Life Insurance solution. View our flyer and motion graphic to learn more about the client’s journey in seeking the right solution with whole life.

Check out our Accumulator Ascent IUL and Putnam Index Strategies Flyer and Protector IUL and Putnam Index Strategies Flyer to learn about the 20-year hypothetical performance of the Putnam Index Strategies paired with our IULs.

Watch our new Cancer Care Compass video and download our client guide.

Health advocacy services: A deeper dive into the benefits and services of Cancer Care Compass. Join us for the second webinar in our four-part, on-demand series, featuring guest speaker Joanne O’Toole from Health Advocate.

Help clients divide their assets, not their family. Here's your May sales idea.

Custom Premier II will be enhanced on 05/13/2024 in California and now includes BenefitAccess Rider, a new set of variable funds, and a PDA option. Get the Transition Rules.

It is important to understand how an index account or strategy credits interest and how that can change within IUL and IVUL policies. With our new flyer, learn about the three components to the caps and rates process and get answers to frequent questions about how and why the upside potential changes over time.

In honor of Asian American and Pacific Islander Heritage Month, take a look at some of our multicultural pieces.

Take a look at our new and improved top 12 marketing pieces.

Personalize your business with CoBrand onDemand.

Learn how producers can market themselves through webinars and seminars.

Use our product video to learn more about the features of Living Promise Whole Life Insurance.

Now is the time to turn up the volume with our IULs---designed with riders that help make the jam better than others. Read "IUL Jams Like No Other".

Learn how Builder Plus IUL 3 can provide a balanced strategy for life.

Check out the illustrated rate changes for IUL policies.

See the opportunity you might be overlooking.

Women drive more than 70% of consumer spending. They also control $11 trillion of U.S. wealth, which is expected to nearly triple by 2030. Guess what else women have? A gap in life insurance coverage. See how Lincoln can help you bridge that gap by highlighting growth opportunities and offering performance-driven protection strategies.

Explore the benefits of permanent life insurance with Lincoln WealthAccelerate IUL.

Discover business growth with our latest group carve-out plan.

We’ve lowered our Protective Classic Choice term prices once again. We’ve maximized the value a term solution can offer clients to help them secure what matters most.
Visit our website for transition rules.

Your client’s life insurance policy is only as solid as the company behind it. See our 2023 highlights and achievements.

As part of a mutual holding company, we have no publicly traded stock, so we can focus on long-term strategies, financial strength, and the best interest of our policyowners. Share with clients.

Get help finding the appropriate product for your clients’ needs. Download our handy flyer.

Find insights into a variety of common financial topics and estimate your clients’ future financial needs.

Help improve your client’s life insurance experience – and get policies issued and serviced more efficiently. Bookmark our new “Submission to servicing” web page

– our one-stop shop for information about our life insurance online experience.

Register for strategies to support employee mental health webinar.

Check out our additional enhancements made to the digital onboarding process for employee-owned GI Term.

Explore our Business Value Increase Rider.

Underwriting & New Business

Check out our intelligent underwriting and seamless all-digital process - less hassle and more hustle for you.

Instead of a phone interview, your clients can submit their health history online at a time that’s convenient for them. Learn more.

You asked for it and we were listening. Beginning Monday, May 6th, policies issued as the result of a Term Conversion will be enabled for eDelivery using our DocuSign process. Learn more.

Our Fluidless Underwriting is designed to allow qualified clients to bypass the intial paramed exam for larger face amounts. See how you can apply this Underwriting program to your client’s life insurance applications.

As of May 23, MassMutual will only allow exams from those examiners who are contracted with APPS and ExamOne. The use of examiners who are not contracted directly with ExamOne or an ExamOne affiliate office are no longer permissible. Continue reading.

Effective June 1, 2024, Securian Financial is making some changes to our WriteFit Underwriting™ program that will help improve the customer experience, increase efficiency and simplify underwriting requirements. These changes will also impact our eApp requirements and support the transition to a more digital application process. Check out our WriteFit changes,

We're thrilled to share that our updated Underwriting Field Guide is now live and loaded with enhancements. Dive into the latest version on our website and discover how we're making it smoother than ever to work with us.

We have increased our limit for Expanded Capacity Underwriting Program. Principal can now offer an additional $30 million in capacity over the previous limit for life insurance cases. Get the details.

Advanced Markets

Help clients prepare for one of the hardest estate planning challenges they face: how to equalize their estate among their heirs. Check out our new Advanced Planning flyer, with three case studies about how life insurance can help solve difficult, and sometimes emotional situations. Check out these offerings and more on our Trimester site.

Let clients know they have less than 22 months to leverage the all-time-high federal estate and gift tax exemptions increased under the Tax Cuts and Jobs Act (TCJA). Help them create tax-efficient estate plans using what the TCJA offers before it’s too late. See how high-net-worth clients can benefit from this strategy.

You can have your cake and eat it too - trusts...

April showers bring new opportunities With spring in bloom, now is the time to get back to basics. For inspiration, refer to our new client profiles that are one-page snapshots designed to help you identify potential opportunities and creative solutions using life insurance.

Prospecting affluent families and business owners? Use our Advanced Markets videos
to expand your market for fixed index universal life insurance.

How much taxes will your client pay in retirement? Join the Securian Financial Advanced Sales Team to learn the strategy that may help your clients lower their taxes.

Watch "Business Solutions - Executive Advantage/Loan Regime Split-Dollar Plan".

Hybrid Products & LTC

The publicity revolving around the need for extended care planning continues. Please see below for news articles/video clips from the last few weeks:

Effective June 3, 2024, the Maximum Monthly Benefit will increase from $10,000 to $15,000 on our MutualCare Solutions long-term care products.

Don't forget to use our LTC Cost of Care Calculator. Our LTC Cost of Care Calculator is a user-friendly tool created with your clients' needs in mind.

Annuity Solutions

It's April. So it's National Financial Literacy Month. That means it's time to highlight the value of financial education to all Americans. Check out our 'Term Talks' and 'Retirement Talks' videos

Looking for growth but concerned about market volatility? By diversifying across four interest crediting strategies in the Power Series of Index Annuities, you can build a mixed allocation portfolio that ensures a portion of your retirement assets will grow in up, down and flat markets.