PRODUCER ESSENTIALS

September 10, 2025

View the latest issue of The Lincoln Life Leader featuring:

  • Coming Soon in New Jersey - Lincoln AssetEdge SVUL

  • September is Life Insurance Awareness Month

  • Are your clients taking advantage of Lincoln's eCapabilities

  • Ready to Sell Tool Enahncement: Online EFT Form

  • 2025 Life Insurance year-end guidelines

We're closing Protective Advantage Choice UL to new sales on Dec. 31, 2025. Signed apps must be received on or before Oct. 31, 2025, and all cases must be in force by Dec. 31, 2025. As part of our promise to deliver more value with competitive products, we encourage you to explore Protective Lifetime Assurance UL as an alternative solution. Get transition rules.

Take advantage of Life insurance Awareness Month with our step-by-step digital guide.

Help customers see the true value of life insurance.

What better time than Life Insurance Awareness Month to bring up life insurance policy reviews. Check out our tool to get you started.

Consider policy conversions for your Business Owner clients. Learn how an early policy conversion could lock in lower premiums, avoid additional underwriting, and ensure guaranteed acceptance with an equivalent risk class.

74 million Americans are uninsured. 25 million are underinsured. September is Life Insurance Awareness Month. This year's campaign is all about teaching the groups that are uninsured or underinsured. Leverage the campaign in three ways:

Join us for a journey through the seven C's of Premium Financing.

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.

Check out the latest episode of Hancock Talks. We’re excited to welcome Kartik Sakthivel, CIO at LIMRA and LOMA, and Mike Bellig, our new host. Together, they explore how AI is reshaping the producer-client relationship, streamlining operations, and helping financial professionals better connect with the next generation of clients. 

Check out the latest Life Essentials...

  • Life Insurance Awareness Month: Help clients protect their life's work

  • Our Survivorship suite is evolving

  • FlexGuard Life IVUL: Available in Mississippi

  • Webinar: Effectively Guiding Clients Through Life Transitions

Join host Doug Winkler, Vice President, Independent Sales, Prudential Financial, for an insightful webinar delivered by Amy Florian, award-winning speaker and author of No Longer Awkward, for webinar: Effectively Guiding Clients Though Life Transitions.

Underwriting & New Business

Check out this month's edition of the Underwriting Corner, Simplified Issue Life. It's all about clarity. Find out which team covers what and how to reach them.

See how we make it even easier to do business with us.

Did you know your clients could improve their risk classifications? They could with Pacific Healthy Rewards and our holistic underwriting approach that's as unqiue as they are.

Read the latest Principal Product and New Business Underwriting News.

  • New rates for Principal Term in New York

  • Submitting Requests for Additional or Alternate Term Life Policies and Product Changes in New York

  • Policy Requirement Status Viewer updates for Life and DI

  • September is Life Insurance Awareness Month

  • Additional policies eligible for IDI eDelivery

  • Update to DI Policy Requirement Status Viewer 

Advanced Markets

Hybrid Products, LTC & DI

Get more with John Hancock's hybrid solution. Discover the many advantages of John Hancock's hybrid solution LifeCare:

  • More access to higher quality care

  • More financial flexibility

  • Greater legacy assurance

Show your clients how a two-policy LifeCare strategy can help protect their retirement, enhance legacy planning and offer flexible long-term care coverage.

Are your business owner clients protecting their most valuable asset — their ability to earn an income? Business owners face unique risks when it comes to income protection, often lacking the safety nets traditional employees have. A disability can quickly jeopardize not only their family’s finances but also payroll, operating expenses, and long-term business goals. By positioning disability insurance as an investment in continuity, you can help safeguard both their livelihood and the business they’ve worked so hard to build.

Annuity Solutions

Give clients a guaranteed cap rate that’s locked in for multiple years, with the new 1 Year S&P 500 Cap Lock account, now available with a Lincoln fixed indexed annuity. Highlights include:

  • Market upside potential — capture index growth up to a cap

  • No annual renewals — guaranteed cap rate for multiple years

  • 100% downside protection — their money can only go up, not down

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.

Help secure your client's retirement with confidence. The new Ultra Advantage Fixed Index Annuity from Mutual of Omaha is designed to help clients preserve their hard-earned assets while still participating in market-linked growth - wll with valuable built-in flexibility. View the product highlights.

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.