June 26, 2024

This Week's Highlights & Events

Tap into one of the most lucrative markets in the life insurance industry...

Diving into the foreign national business may present formidable challenges. This may seem discouraging, as navigating the foreign national market is far from effortless — it demands dedicated time and effort.

Learn how to successfully penetrate the foreign national market.

Read Think Advisor Article.

* By clicking the button, you will be directed to a 3rd party website. 3 Mark takes no responsibility for the content of the website. This resource is provided for general education in the Foreign National market

"Creating an Insurance Portfolio to Hedge Product Risk"

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

We are excited to introduce innovative designs, as we explore opportunities with our Single Premium Whole Life and Return of Premium Term products. These solutions can be seamlessly implemented through our new Foreign Resident underwriting process, enabling us to capture and serve markets that have been previously underserved and overlooked. Register now!

Life Insurance

See the difference 10 minutes can make for your business.

Share the power of life insurance with LGBTQ+ clients.

To Redeem or Not to Redeem - That is the question after Connelly.

Check out our retirement and life insurance solutions for your religious organization.

Unlock the power of social media metrics. Register for one of our webinars: 6/25 or 6/27.

When it comes to protecting clients and their families quickly and with minimal hassle, check out Term Life Express.

If you have clients who are considering making their temporary coverage permanent, consider suggesting a conversion to IUL Express.

If you work in the Business Marketplace, specifically Buy-Sell Agreements, you should read: Lessons from the Connelly case on buy-sell agreements.

Give new life to low performing accounts.

Discover what makes our chronic illness coverage different.

Make a tangible connection with your clients using our Term-2-Term exchange program post card.

Encourage eligible clients to exchange their policy.

Offer clients an all-weather solution...

Check out the latest issue of The Lincoln Leader: Here's a snapshot of what's inside:

Coming Soon - Pricing improvements for Lincoln MoneyGuard II
Lincoln will decommission the LifeComp Administration Platform
Lincoln VUL Dollar Cost Averaging Fixed Account Rate Program - Extended
Coming Soon - New Life Insurance Quick Quote Tool
Coming Soon - New Online Claims Portal
Are you taking advantage of Lincoln's eCapabilities?

Reminder: Have you seen the updated pricing for our NY IUL product?

Offer growth potential that’s stronger than ever with Protective's newest model portfolio.

Where is your next client going to come from? Start by developing strategic alliances with the financial professionals who serve them.

Many individuals have a history of giving to their favorite charity, and they may want to make sure that these gifts continue should they die prematurely. Check out the client guide from Pacific Life. It discusses how using life insurance may be a way for charitably-inclined donors to complete their expected lifetime gifts to a charity.

Start prospecting the middle market to grow your business in 2024.

Why focus on divorcing clients? Without adequate preparation, divorce can wreak substantial havoc on one’s finances. Being a knowledgeable, organized, and prepared financial professional can help. Learn about working with divorced clients.

Risky Business: Why Insuring Retirement Income Solo Is a No Go.

Our industry is under attack...Compromised information, account takeovers and other fraudulent activity cost billions. See how you can stay vigilant and protect your clients and your practice in a valuable article authored by Lisa Fangman, Sr. Vice President of Insurance Operations.

Take a look at our new 4-part presentation showing how high-income-earners can use life insurance to supplement their other retirement savings resources.

Learn about the consequences of real-world market volatility on the policies you're selling, and how IUL really works, in What Goes Up... Must Come Down: Little-Known Index Concepts.

Don’t miss out on the latest updates on John Hancock's Protection SIUL.

Learn how your eligible John Hancock Vitality client can get special pricing and access to Prenuvo’s whole body MRI scan, an early detection tool for over 500 conditions, including cancers.

Maximize assets and minimize taxes.

Want more ideas to drive sales? Explore our ideas and tools library.

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.

Help meet your client's needs now and in the future with Protector IUL.

Check out Symetra's new SwiftProtector IUL, offering cost-effective, guaranteed death benefit protection that’s fast, easy and online.

See how Symetra's new SwiftProtector IUL compares to their Protector IUL.

Executive Universal Life, Signature Guaranteed Universal Life, and Limited Pay Whole Life Discontinued, Effective August 1, 2024.

Read how living benefits provide peace of mind, safeguard assets, and enhance quality of life for individuals facing health challenges by providing funds for medical treatments and necessary services.

Help your clients bring their employees’ best selves to work.

Learn from a diverse panel of visionary leaders, small business owners and champions about the current and future economic and employment trends they expect to impact small and midsize businesses (SMBs).

Underwriting & New Business

New Guide for Tax Transcript Authorizations. For some cases, an IRS 4506-C Tax Transcript Authorization may be required for financial underwriting. If this form is not completed properly, the IRS may reject the request and require a corrected form be submitted. This could lead to a delay in advancing the case to underwriting.

Reduce time and exceed client expectations when you use our Fluidless Underwriting Program. Mutual of Omaha’s Fluidless Underwriting Program, allows clients to bypass the initial paramed exam for face amounts between $2,000,001 and $10,000,000.

Place more business with MassMutual’s upgraded financial underwriting guidelines.

Advanced Markets

Find out how life insurance can be used to help protect a family business as a wealth transfer tool.

Help business-own clients reward top talent.

Check out our updated Blueprints to Black Wealth Playbook which now includes new materials focused on small business protection an d much more.

See why having a plan in place is critical for owners exiting their business. Our Business Owner Life-stage Design (BOLD) campaign offers financial professionals the tools they need to determine the best arrangement for their clients.

Recruiting, retaining, and motivating top talent can be essential for the continued success of a small business. And your financial professionals can offer a solution to help. Learn how FIUL insurance can play a role in many key employee compensation and benefit plans.

Hybrid Products & LTC

As of this year, there are now more people age 65+ than we’ve ever had since the census began. Check out these helpful articles from the last several weeks:

Bradley Cooper says caring for his dad was a ‘wake-up call’ to the caregiving crisis - MarketWatch

Does long-term care insurance still make sense for 75 year-olds?

Making a plan to pay for long-term care: Insurance and alternatives

Despite Surging Demand for Long-Term Care, Providers Struggle to Find Workers

Long-Term Care Costs: No CPA Needed to See Financial Impact

What happens if you don't use your long-term care insurance benefits?

Cash to compensate those who provide care: Join us for an upcoming webinar on 06/20/2024 to learn more about receipt-free benefit options. This unique feature allows clients to pay for care directly, or access cash to compensate caregivers. Find out how this option helps clients set their preferences for care with loved ones.

Understand Middle Market Buyers: Their Profile and the Necessity of Long-Term Care.

Clients today have several needs when looking for a long-term care insurance policy. Learn about the optional benefits offered within our policies.

Annuity Solutions

Have clients who need income now and income later? Explore the split annuity strategy. It uses a MYGA and SPIA to solve both objectives.

Do you have client's with unwanted RMDs? Do you have clients that complain every time you bring up taking RMDs? They don't need them & they don't want them. Get familiar with the qualified longevity annuity contract (QLAC) feature of the Integrity Incomesource Select DIA and slow RMDs and taxes that come with them. This brand-new case study shares why you might consider a QLAC for your clients as well as a tax savings example.

June is Annuity Awareness Month. Annuities can play an important role in your clients' portfolios with full or partial protection from loss, tax-deferred growth and lifetime income. As a financial professional, you regularly encounter people who may benefit from adding an annuity to their portfolio. Share our "Different types of annuities explained" insight with your clients to learn more about each type of annuity and which one may be a good fit for their portfolio.

Can sequence of returns make or break a portfolio? Share our "How sequence of returns can make or break a portfolio" insight with your clients to learn more about the impact of positive and negative returns.