PRODUCER ESSENTIALS
June 4, 2025
This Week's Highlights & Events
👀🔥Hot Summer Bonus: Boost Your Earnings with SwiftProtector!
This summer, writing SwiftProtector with Symetra just got even more rewarding. From May 1 through August 31, 2025, you’ll earn a 10-point marketing allowance bonus on every paid SwiftProtector policy, based on the annual first-year target premium.
Why SwiftProtector?
Competitive premiums + accelerated underwriting = fast closes
Cash value potential + strong protection = easy client conversation
Every paid case = more bonus dollars in your pocket
Key Dates and Details:
Promotion runs: May 1 – August 31, 2025
Bonuses paid monthly based on paid business
No registration required — just write and win
Time’s ticking! This limited-time bonus ends August 31, so now’s the moment to accelerate your SwiftProtector sales and cash in.
Webinar:
Strategies to Optimize Your Business
This afternoon, at 2:00 pm Central.
Join us for a powerful and practical session that’s all about you — your time, your clients, and your growth.
In this Practice Management presentation, you'll discover how to streamline your processes, clarify your business vision, and optimize your client relationships to unlock greater efficiency and profitability.
What you'll learn:
How to set meaningful business goals and track real progress
Time management tactics to focus on revenue-generating activities
Strategies for segmenting and maximizing client value
Marketing ideas to deepen client engagement — without a product pitch
Why understanding the value of your time could be your biggest business breakthrough
Life Insurance
Take a look at the latest issue of The Lincoln Leader featuring:
Extended: Lincoln VUL Dollar Cost Averaging 8% Fixed Account Rate Program for Lincoln AssetEdge VUL Suite
Coming Soon: DCA 10% Fixed Account Enhanced Rate Interest Rate Program for Lincoln MoneyGuard Market Advantage
Now available in CA - Lincoln AssetEdge SVUL
Lincoln VUL and MoneyGuard Advantage investment option updates
The Lincoln Playbook
The youngest generation of life insurance customers doesn’t just have a different set of financial goals. They have a completely different language. Our campaign helps you speak on their terms about term life. Check out our Dispel Millenial Myths Campaign in a Box.
Compete to earn more this June with Protective Classic Choice term. This month, maximize your earnings with Protective Classic Choice term policies. Participate in this limited-time offer to earn gift cards and chances to win one of three $1,000 prizes.
Discover the latest Protective Classic Choice term enhancements.
Retirement Conversation Starters for Millennials, Gen X, and Baby Boomers.
Show clients how life insurance can help with medical expenses.
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?
Advanced Planning Insights: Understanding Cross-Purchase Arrangements using an ILLC
A new era in tax planning is on the horizon
New Blueprints materials on Generational Wealth available now
einterview reminder emails
Speed up ExamOne life insurance applications with text messaging
Check out the the new FlexLife, launched May 31, 2025.
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
Help Business Owners Stay Ahead of the Curve - Principal's Business Owner Insights 2025. Principal’s 2025 Principal Business Owner Insights survey revealed compelling data that can help you guide your discussions with Business Owners.
Check out the latest Principal Product and New Business Underwriting News.
Underwriting & New Business
North American is committed to enhancing operational efficiency and enriching the user experience for both agents and clients. We are thrilled to announce that starting May 31, 2025, non-underwritten conversions will be facilitated through SimpleSubmit, North American’s electronic application platform.
Got Retention? Are you working on jumbo cases and need a carrier with substantial internal retention? Look no further. Pacific Life now offers an industry-leading $30 million in internal retention on single life policies. Whether you're looking to stack carriers or seeking more internal retention on a case you previously worked on, Pacific Life is your go-to carrier with excellent underwriting to support those larger case opportunities. Discover what we can do for you.
Looking to secure better offers for your clients? Corebridge has flexible underwriting sweet spots that can help you do just that. From more lenient treatment of family history and cholesterol to favorable consideration for mild anxiety, pre-diabetes, and even occasional cigar or marijuana use—your clients may qualify for best class rates even with common impairments. Explore the full list of sweet spots and get ahead in your next case.
See our Velocity and underwriting enhancements: We've enhanced our underwriting process to expedite term policies under $1 million for applicants aged 50 and younger. We also improved the application process, ensuring a more streamlined experience for both financial professionals and clients.
Advanced Markets
Join our monthly trimester webinar featuring Karen Hofmann, Vice President,
Advanced Planning at Prudential. We’ll explore innovative and tax-efficient
strategies that high-net-worth clients can use to pay for life insurance
premiums, including:
Private financing through anILIT that helps minimize estate and gift taxes.
Selling an asset to an IDGT to generate income for a life insurance policy premium.
Commercial premium financing that enables clients to pay for premiums without liquidating assets.
When preparing for the increasing costs of college tuition, many families typically consider 529 plans or custodial accounts as primary options. However, an alternative strategy that is gaining popularity due to its flexibility, tax advantages and long-term benefits is Index Universal Life (IUL) insurance. Read this month's article as we delve into the distinctive benefits of utilizing IULs for saving toward college expenses.
Are you working with or have referrals for high-net-worth foreign national (HNWFN) clients? Don’t miss the recent updates we’ve made to our HNWFN market program, including:
New minimum policy size for term: Symetra Term’s minimum face amount is now $1.5 million.
Policy solicitation and delivery: Paper and/or electronic applications and forms must now be completed, signed and dated by the insured and policyowner (if different) while in the U.S.
Updates to our country list: Please review the current list of eligible countries in our program guide.
Hybrid Products, LTC & DI
Protect Your Clients' Businesses with Disability Buy-Sell Insurance. Many advisors focus on life insurance to safeguard clients' assets, but what if a business owner becomes disabled and can't work? A Disability Buy-Sell policy ensures that if one owner becomes disabled, the business can continue to operate smoothly by providing funds to buy out the disabled owner's interest. By recommending Disability Buy-Sell insurance alongside life coverage, you can offer comprehensive protection that safeguards your clients' businesses and financial futures.
June is Alzheimer’s & Brain Awareness Month — a powerful reminder of how long-lasting and emotionally complex care needs can become, especially in the face of progressive conditions like Alzheimer’s and dementia. Join us for a special live webinar that focuses on how to prepare for the long road of care — with a unique solution that never runs out.
We're excited to announce that enhanced Asset Care LTC protection options will be available in Arizona, California, Florida, Indiana and New Jersey on June 9, 2025. RSVP for one of our 35+ In Person Regional Meetings.
Annuity Solutions
Boost your clients’ growth potential with Smart Start Accumulator Series from American National. We’re excited to announce the launch of American National’s Smart Start Accumulator Series — two single premium fixed indexed annuities designed to give your clients a powerful head start in building their financial future. Start smart — give your clients the growth potential and security they deserve.
The "4% "Rule? We may be able to do better. Having enough income to last a lifetime is a cornerstone of retirement planning. The Global Atlantic Income 150+ SE fixed index annuity offers multiple ways for clients to grow retirement income — see how they may be able to do better than the traditional “safe” 4% withdrawal amount. Continue reading.
3 Mark Financial, Inc.
1600 Highway 6 Ste 400
Sugar Land, TX 77478
Call 888-533-6275
Site: www.3mark.com