July 17, 2024

This Week's Highlights & Events

Elevate your Foreign National business with 3 Mark !

3 Mark Financial has the knowledge and expertise to manage your foreign national business, covering everything from carrier and product selection to underwriting and case placement. Our strong relationships with major carriers in the foreign national market enable us to offer your clients tax-efficient strategies and benefits payable in U.S dollars.

Discover 3 Mark's exclusive Foreign National Playbook
on 3Mark.com, offering a wealth of valuable resources. Access comprehensive insights and curated materials from leading carriers in the foreign national market. Reference our Carrier Guidelines at-a-glance and explore much more!

Check out our Foreign National Cyber Chats, featuring expert conversations with leading carriers in the Foreign National space.

"Business Succession planning AFTER Connelly"

John Hancock webinar, dated July 10 at 2pm Central.

On June 6th, the U.S. Supreme Court handed down a landmark decision that may transform the landscape of business succession planning. This ruling has significant implications for business owners, emphasizing the importance of having a robust succession plan that is recognized and respected by tax authorities and other legal entities. Join us for this insightful webinar.

Read: Buy-Sell Planning After Connelly.

Life Insurance

See what makes our IUL different.


Help your clients plan for the future. Use our consumer and agent materials to learn about using life insurance for income protection, college funding, and Smart Money.

  • Effective now, pricing improvements for Lincoln MoneyGuard II

  • Are you taking advantage of the Model Portfolio Options for Lincoln AssetEdge VUL (2022)?

  • Lincoln Financial now available on eValuate

  • Coming Soon: New Online Claims Portal

  • Deadline Reminders for Lincoln VUL One and Lincon SVUL One

Help clients plan ahead for their long-term protection needs. See how adding the Conversion Choice rider with ExtendCare to a new Protective Classic Choice term policy can help clients secure affordable protection now while preparing for this possibility.

Show financial professionals an untapped market for life insurance sales.

Check out Allianz Life Accumulator, our newest innovation in the indexed universal life (IUL) marketplace, providing all the benefits you expect from an IUL product – plus:

  • New lockable indexes to help jump start accumulation

  • A new 1% guaranteed bonus opportunity

  • New features including AutoLock lower target

  • New strategies for IUL diversification

  • Plus we are extending the underwriting risk-class upgrade program through third quarter 2024

Get Allianz Life Accumulator resources.

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.

Partners Group

Introducing the Third Quarter 2024 SIWL Agent Bonus Program. Third time's the charm. Here's a chance to earn up to $7,000 in bonuses on your SimpliNOW Legacy simplified issue whole life sales.

IUL Policy Illustration Enhancement When running your next IUL Policy Illustration you'll notice the Policy Highlight pages have been redesigned to map out key benefits for different life stage scenarios. To preview the illustration enhancement and for more information download the product bulletin.

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.

Check out the latest issue of SPOTLIGHT: Here's a snapshot of what's inside:

  • For a limited time: new Survivorship Guaranteed Purchase Option

  • A Winning Sales strategy

  • AIUL loan options to meet changing needs

  • Protection UL - leading the way since 2011

  • A great read: Why are you still selling life insurance with lifetime guarantees?

  • Coming soon - the new and improved John Hancock Vitality app!

  • New! No-cost access to multi-cancer early detection test from GRAIL

  • Partnering with Prenuvo

  • Qualify for our South Africa Vitality trip — the opportunity is yours!

Securian Financial offers a wide variety of tools and resources for financial professionals to help their clients develop financial strategies with life insurance as the centerpiece. Our library offers: product-specific sales concepts, advanced sales approaches, and business-building solutions. Access these strategies and other resources by visiting securian.com/life-strategies.

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.

Take a look at Symetra's new SwiftProtector IUL, offering cost-effective, guaranteed death benefit protection that’s fast, easy and online.

Check out our dollar-cost averaging enhancements on Symetra universal life products.

Check out Signature Protection Indexed Universal Life Insurance Series offering two Indexed Universal Life insurance products, Signature Protection Plus Indexed Universal Life and Signature Protection Indexed Universal Life.


As of 8/1/2024, American National arrived at the purposeful decision to cease the sale of three of our life products including: Executive Universal Life, Signature Guaranteed Universal Life, and Limited Pay Whole Life. Continue reading...

Prudential Momentum IUL is launching on August 19. Our new accumulation-focused indexed universal life product is an attractive option for clients looking for a tax-advantaged accumulation policy without market risk. Momentum IUL also offers features to help clients adapt to life’s changes while enabling them to protect and grow cash values.


Help your foreign national clients achieve their unique life insurance and financial goals. Activate this sales idea by using the sales kit on our Trimester Sales Strategies site.

Be a champion for Black Americans' Financial Security. Check out the BluePrints to Black Wealth Playbook.

Save the Date for November’s CPA Symposium. Reach out to your CPA Partners now to invite them to the event.

The Roadmap to Retirement involves navigating numerous choices, including potentially deciding between a nonqualified account or the various Individual Retirement Accounts (IRAs).

Uncertainty can cause ‘Deer in the Headlights Syndrome.’ Fear of making a mistake and the hesitation to decide can paralyze individuals, preventing them from taking any action. Watch as we delve into the distinctions between these choices.

See what a winning IUL strategy looks like.

See how we designed our Indexed Universal Life products the right way, with your clients in mind. In a world of constant change, clients want and appreciate easy to understand products and services. They appreciate a simple design with no hidden bells and whistles, and policies that deliver on the promises made to them.

Underwriting & New Business

Discover how forms just got faster. A new expedited process helps you -- and your clients -- do business faster and easier. The "UPLOAD DOC" link on the "Policy Summary" page of the agent website allows you to submit forms for quicker updates.

We made Business easier. You don’t have to complete illustrations and applications separately -- and submit each for new business. It all flows seamlessly from our illustration into the application. Information entered in the illustration that’s also required on the application, such as client name, DOB, etc., automatically transfers to those fields in the app. Find function in the "ACTION" menu of the illustration.

Read bulletin for reminder on Standard/Standard Plus rates. We sometimes receive questions about the availability of Standard Plus rates. Please be aware that not all plans offer Standard Plus rates.

We have some exciting updates on the horizon. See how it will make your life easier.

In case you missed it: Big changes are coming! Starting August 1, Banner Life will transition to digital-only submissions. This is a significant step in our journey toward a more efficient, paperless process, aligning with our commitment to sustainability and digital innovation.

Advanced Markets

Bye Bye Buy-Sell? Not Quite, But Court Decision Changes the Planning Calculus.
The U.S. Supreme Court recently rendered a decision unfavorable to the estate - to the tune of $889K in additional federal estate taxes - and had far-reaching implications beyond the financial facts. See why the need to consult both legal and tax advisers regarding buy-sell agreements has never been more important. Our Advanced Markets team has the skills and tools to prepare an estate tax analysis to help guide you and your client’s advisers in this area.

Supreme Court upends Redemption Buy-Sell Agreements. On June 6, 2024, the U.S. Supreme Court issued its opinion in Connelly v. United States, holding that a life insurance death benefit payable to a business for purposes of purchasing and redeeming the decedent’s stock increases the value of the business and, consequently, the decedent’s estate. The new Advanced Planning Insights and Ideas article can help you better understand the case and the impact of this decision.

Help business owners recruit and motivate top talent – with life insurance. Business owners often rely on key employee compensation strategies to help them recruit, motivate, and retain top talent – and fixed index universal life insurance has a place in those compensation packages. Find out about the potential benefits you can offer business-owner clients, through our life insurance policies and our extensive support.

Gain a competitive advantage with business valuation. Turn business valuation into your competitive advantage. Deliver comprehensive financial advice to business-owner clients, differentiate your practice, and offer new opportunities to grow your business.

View our updated Connelly case flyer. With the U.S. Supreme Court’s ruling on the Connelly case, business owners need to carefully consider the way they structure their buy-sell agreements. We’ve taken a deep dive into the case, how it could impact business owner estate taxes, and where we can pivot to help clients mitigate risk.

Join our Advanced Sales Team on Thursday, July 25, for a webinar on the Supreme Court's decision in Connelly v. US and its impact on buy-sell agreements.

You and your CPA partners are invited to this month’s Tactical Tuesdays webinar on uses of life insurance in estate planning. Inviting your CPA partners to attend is a great way to enhance existing relationships and to introduce new CPAs to NLG’s CPA Advantage Program. Also, one CPE credit is awarded for CPAs who register and attend.

Hybrid Products & LTC

Mutual of Omaha’s long-term care insurance policies provide flexibility for your clients’ benefit options. Use our brochure to help your clients understand why flexibility is important..

Did you know that someone turning age 65 today has almost a 70% chance of needing some type of long-term care services in their future? Most people prefer to have their care in their own home rather than a facility. Check out our "Helping Your Clients Stay at Home" sales idea.

Annuity Solutions

June was National Annuity Awareness Month. But even as the month ended, your annuity promotion efforts don’t have to. Keep annuity awareness high all year long.

Take Some of the air out of inflation. ForeIncome II’s optional Income Multiplier Benefit now gives your clients more growth potential and more protection from inflation — even during retirement.

Have you talked with your clients about how a fixed index annuity (FIA) can help them grow their retirement savings through the power of diversification? FIAs have the potential to earn interest based on the performance of a variety of indices, and several crediting strategies are available. A good mix can help deliver your client the earnings they need for retirement. See how each strategy performs in particular market environments.

3 Mark Financial, Inc.
1600 Highway 6 Ste 400
Sugar Land, TX 77478

Call 888-533-6275

Site: www.3mark.com

Copyright 2024. All rights reserved 3 Mark Financial, Inc.