PRODUCER ESSENTIALS

July 30, 2025

This Week's Highlights & Events

This summer, you've had the chance to earn a 10-point marketing allowance bonus on every paid SwiftProtector policy (based on annual first-year target premium). Just a quick reminder that your opportunity to earn this big summer bonus ends August 31.

Life Insurance

Check out our latest edition of Spotlight featuring:

  • Transform your client conversations with new resources

  • Protection VUL: Flexibility to adapt to every client need

  • Q3 GPS is now live with exciting updates!

  • Streamlined LifeCare illustrations

  • Updated! LifeCare marketing resources

  • By the numbers: real value for Vitality members

  • Listen to the latest episode of Longer. Healthier. Better. podcast

  • 10 points to celebrate 10 years!

Stay up to date with The Scoop, driving you to the latest articles on our dedicated distributor website so you'll never miss a beat. Our latest issue features:

  • Stay up to date with The Scoop

  • Help boost your agents' senior sales with new longevity credit program

  • VUL Survivor target premiums increasing soon

  • Less juggling, more productivity

  • SecureCare's PDA Agreement launch center

Here's what's new this week in Life Essentials:

  • July Trimester: The Benefits of Gifting

  • VUL Protector 2025: Updated investment lineup

  • VUL Protector 2025 now available in North Carolina

  • Webinar replay: Discover What's New With VUL Protector in 2025

  • Recordings available for Webinars and 10-Minute Mondays

Check out our August learning lineup.

Check out our increased premium limits on all IUL products, along with raised retention limits on select products. These changes put us in an even better position to support your large cases and meet the diverse needs of your clients.

Take a look at the latest issue of The Lincoln Leader featuring:

  • Lincoln variable universal life and MoneyGuard Market Advantage investment option updates

  • New EFT enrollment requirement for Term products

  • Situs guidelines reminder for Minnesota (new), Utah and Washington

American National has officially stopped writing new life insurance business as of May 31, 2025. Continue reading to ensure you have the information and support you need during this transaction.

Retirement can have pitfalls. Some are specific to women. Do your female clients know the challenges they may face in the future? Help them understand and address their situation with our special flyer featuring factsand tips.

Underwriting & New Business

Take a look at two ways we're simplifying our underwriting process to make a more efficient and accommodating underwriting experience for you and your clients:

  • Revised EKG guidelines: effective July 1, means fewer customers will need to undergo EKGs during the underwriting process.

  • Our risk-class upgrade program: offers qualifying indexed universal life (IUL) insurance clients an automatic upgrade to a Preferred risk class. (The better the risk class, the lower the policy fees and charges over the life of the policy – leaving clients with more for future accumulation potential.)

See our updated underwriting guidelines and eligibility for a risk-class upgrade.

Look to Lincoln underwriting for clients who like cigars. Do any of your clients suffer from higher life insurance premiums simply because they enjoy cigars or pipes? Lincoln's dedicated customer-focused underwriting take a client's entire risk profile into account, which could result in a better rating and lower rates.

Advanced Markets

Join our webinar, hosted by Advanced Planning, for a session on executive bonus, a potential solution for business-owner clients looking to attract and retain talent. When critical employees leave, it can have widespread negative effects on the business. Sign up now to discover:

  • The risk key employee turnover presents to a business

  • How the executive bonus strategy works and its benefits

  • Why it’s important for clients to customize their strategy

Hybrid Products, LTC & DI

Coming Your Way...check out our new LTC Sales Materials.

When talking to clients about long-term care insurance, producers often encounter the same objections—and most of them are based on common myths. Here are three misconceptions and how you can address them with facts and features from Mutual of Omaha’s LTC insurance product.

Master the basics of DI Field Underwriting. Want to increase your disability insurance placement success? In this insightful video, Tawni Johnson-Crawford from NorthCentral DI walks you through essential field underwriting tips that help streamline the process, set realistic client expectations, and avoid common underwriting pitfalls including: what to ask clients before quoting, how to evaluate medical, occupational, and lifestyle risks, and why pre-screening is critical for complex cases. Watch the video and learn how better field underwriting leads to stronger client outcomes and smoother approvals.

See a live example of the One America Asset Care LYC sales story.

Annuity Solutions

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

Call 888-533-6275

Site: www.3mark.com

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