August 20, 2025
Don’t Miss Out: The LifeCare Bonus is in Full Swing!
There’s still time to maximize your earnings with John Hancock’s LifeCare Bonus. From now through December 31, 2025:
Place your first 5 qualifying cases → earn an additional 27.5% on target premiums
Place 6 or more → boost your payout to an additional 41.25%
More cases. More earnings. But only for a limited time. See full details.
Here’s what’s new this week in Life Essentials...
Prudential’s EssentialTerm Suite All face amounts available 8/25
Pricing updates for Term Essential
VUL Protector 2025: More choices and new pricing available for New York
VUL Protector 2025 now available in Texas
FlexGuard Life 2025 now available in California
August Trimester: Business Owner Needs
Guiding legacy conversations with Black Americans
New business form revisions for VUL Protector 2025 for New York and Texas
See how in retirement, timing is everything. Clients imagine their retirement as some of the best years of their lives. They save faithfully and ride out market ups and downs, thinking long-term. But what they don’t expect is how early negative returns during retirement can quietly chip away at their nest egg. We call this the sequence of returns risk. United of Omaha's Ultra Advantage℠ Fixed Index Annuity (FIA) is designed to help protect against this risk. Use our new flyer to walk clients through how this works — and why timing matters more than they think.
Get ready for Life Insurance Awareness Month. September marks our industry's biggest month and we want to make sure you're ready. From social media posts, an updated marketing guide, videos and more, keep an eye out for resources coming soon!
Check out our webinar replay - Rising to meet life's complex needs. We loved sharing how we're enhancing our processes and resources for you and your clients. Our team is working every day to continue rising beyond expectations and welcome any feedback you may have for us.
View the latest issue of The Lincoln Life Leader featuring:
Now available in Indiana and Montana - Lincoln MoneyGuard Fixed Advantage
Lincoln variable universal life and MoneyGuard Market Advantage investment option updates
New Business form updates
Update to EFT draft notification letters and financial professionals Consumer registration process updates
Take a faster route to your next term sale...
We’ve maximized the value a term solution can offer clients to help them secure what matters most — and are introducing lower Protective Classic Choice term prices once again.
Plus, we've enhanced our underwriting process to expedite policies under $1 million and improved the application process, ensuring a more streamlined experience for both agents and clients. Read the transition rules.
Is there more to Allianz Life Insurance Company of North America (Allianz) than you know? More capabilities? More advantages? More support for your business and our community?
Solve modern family needs with real versatility. Help prospects protect their entire household. Our IUL can cover an insured … their spouse … and their children. See how with our real life case study exploring how to leverage Indexed Explorer Plus riders and features to help protect real lives with real versatility.
Be a part of something bigger. As part of a family of companies within Western & Southern Financial Group, Columbus Life combines individual strengths with the support of a trusted financial network. View how you and your clients can be part of something bigger in our new video.
Life Insurance Awareness Month is next month. This year’s LIAM campaign features a story close to home. Richard Thoma, Regional Vice President, shares how a cancer diagnosis at age 29 forever changed his perspective on life insurance.“The truth is, insurability is a gift — one we help clients give their loved ones every day.” Read Richard’s full story and get early access to the 2025 LIAM toolkit on our distributor website.
Step inside the Simplified Issue Life Underwriting Corner as Mutual of Omaha unpacks the critical role of risk assessment and answers frequently asked questions about their new pre-approval process.
Check out the North American underwriting advantage. North American's dedicated team of underwriters remains committed to one thing — helping you move your business forward. Whether you're in need of a quick decision or expertise on a complex case, our underwriting and new business teams are here to partner with you every step of the way. See the advantage for yourself in our new flyer.
Check out our updated Foreign National Guidelines. Effective Aug. 1, 2025:
Specific dollar amount option added to U.S. assets qualification.
Temporary Nexus qualification regarding visits to and time spent in the U.S. made permanent.
Updated list of approved countries.
New shorter format.
See how we've made Policy Delivery for Foreign National clients easier.
Market opportunity: Accumulator Ascent IUL and high-net-worth foreign nationals. For the same reasons Symetra Accumulator Ascent IUL is an attractive, tax-advantaged cash accumulation product for U.S. residents, it’s equally attractive to high-net-worth foreign nationals (HNWFNs). Since we introduced our program several years ago, wealthy foreign nationals from Latin America to Asia and beyond have chosen Accumulator Ascent IUL as part of their financial strategy.
Shine a light on smart business planning. Term life insurance can provide important death benefit protection, but what about clients with evolving or complex needs? For business owners, permanent life insurance might be the brighter choice. Explore a variety of ways permanent life insurance could help solve your client's needs.
What's in the One Big Beautiful Bill? On July 4, 2025, President Trump signed into law the One Big Beautiful Bill Act. Designed to deliver tax relief and restructure entitlement spending, the OBBB is already reshaping the financial landscape for individuals, families, and business owners across the country. Join this special Securian Financial Advanced Sales webinar to learn what’s in the One Big Beautiful Bill and what it means for your clients.
Read "Income Protection Isn't Just for 9–5 Workers". Contractors, business owners, and contract employees face unique risks—one illness or injury could disrupt everything. Income protection isn’t one-size-fits-all. The right policy keeps income and future security safe.
August is a great time to give your clients’ finances a quick tune-up. Just like servicing a car keeps it running smoothly, reviewing a financial plan helps ensure everything stays on track. A short review now can provide lasting peace of mind for the rest of the year. Check out some key questions to consider.
Use Mutual of Omaha's LTC Cost of Care Calculator in your sales process.
Overcome the top 5 client objections to Long-Term Care Insurance. Mutual of Omaha provides competitive pricing, flexible benefits, and strong financial ratings-giving you the confidence to answer objections and close the sale.
Where do fixed index annuities fit in a retirement strategy? Fixed index annuities offer principal protection and growth potential while your clients are saving for retirement and guaranteed income for life after they retire. Allocating a portion of assets to a fixed index annuity can help strengthen their portfolio. View our client approved sales idea.
We're excited to invite you to two exclusive webinars showcasing American National’s latest innovations in fixed index annuities. These sessions will give you the tools to better serve your clients and position yourself for success:
Annuities can be difficult for clients understand. That’s why Equitrust built a library of unbiased, easy-to-understand presentations — to help you lead with education first, and let sales follow naturally. Download these client approved presentations:
3 Mark Financial, Inc.
1600 Highway 6 Ste 400
Sugar Land, TX 77478
Call 888-533-6275
Site: www.3mark.com