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3 Mark's In The Loop Newsletter

3 Mark Financial, Inc.

May 4, 2022

Check out our redesigned 3Mark.com, with a new look and improved user experience to better serve you!

Launching this weekend

With the following updates:

  • Most frequently visited pages up front for easy access
  • 'My Favorites' section so you can bookmark any additional pages you regularly access
  • Improved search functionality
  • Industry News and Upcoming Events up front on landing page
  • New campaign spotlight section
  • And more!

Top Five Reasons to Sell Signature Performance IUL

Check out our marketing guide for Signature Performance IUL which offers a variety of index strategies, cash access features, protection against market volatility, term conversions, and living benefits.
 
Don’t let your clients overlook the importance of creating a clear Estate Plan

Ensure your client’s are prepared using Signature Whole Life to create a plan that can minimize the risk of assets being taxed after death, as well as manage estate expenses which could otherwise stack up for their loved ones. Learn more.
 
Learn how ASIA PLUS can offer multiple financial paths to meet every need

Learn how annuities can be an excellent resource for individuals at or nearing retirement age. Those who are looking to put their money in a secure and low-risk product can rely on ANICO Strategy Indexed Annuity PLUS (ASIA PLUS).

More consistency and dependability for our new business and underwriting – customers say so

Our transformed service culture is already showing results. Since we instituted new service level agreements (SLAs) in October, we’ve met them every month and have stepped up our game in proactivity, communication, and service. Just two examples of what we’ve been hearing:

  • “My underwriters are great, and my case manager has an excellent response time!” (CPS)
  • “Service is great! I haven’t seen any delays and even my large cases are moving quickly!” (Asset Marketing Services)

We're committed to service. View our current processing times.

Help your clients choose the right policy

Share our life insurance basics with your clients to help them choose the best policy for their needs. We’ll walk them through the process and prepare them with practical money-saving tips and strategies. Share now

Get the New Flyer and Client Checklist:  Why Now? For Estate Planning

The goal is to help all clients act now and create strong, comprehensive estate plans, no matter what size. These two materials are created to be used together in your client meetings and to help lend urgency to this important matter.
Get them today.
 
Help Black Americans Build More Secure Futures

Telling the life insurance story to Black consumers can help bridge the racial financial gap by providing needed protection and can be a tremendous opportunity to grow your business. Learn more.
 
eCapabilities by the Numbers

eCapabilities has eliminated paperwork and streamlined every step, allowing you to deliver a modern customer experience, and giving you more time to grow your business. See how the numbers tell the story.

STOP- think about Business Partners

Global Atlantic knows Buy-Sell Agreements can be an important part of any partnership. See how S.T.O.P. helps you start the conversation about funding both cross-purchase and entity purchase agreements with life insurance.
 
STOP- thinking about Family

The primary purpose of life insurance is to provide a death benefit to a chosen beneficiary, but there are other possible advantages for a business owner during his or her life. Learn how S.T.O.P. enables you to put life insurance at the center of both income replacement and retirement discussions.

Did you hear the good IUL news?

The cap and max illustrated rates of select index accounts have been increased on Max Accumulator+ II and Value+ Protector II, making our IULs stronger despite volatile market conditions. Read all about it.
 
Family values

Help clients understand that it's easier and less expensive than they may think to get started with life insurance protection for loved ones. Our new conversation starter uses common expenses to help determine how much coverage is enough. Start the conversation.

Help you clients shape their future...

Preparing for the future starts today – with Value+ Protector II IUL. Learn how.

Living Promise Consumer Postcard

Take advantage of our Living Promise Whole Life prospecting postcard to promote  whole life and customizing with age, face amounts and even the front photo to use with your target market.
 
Choose the Indexed Universal Life That Best Suits Your Clients Needs

At Mutual, we offer the choice of two different fully underwritten IULs. Both offer a transparent, low-cost product structure, same index interest crediting strategy options, and index interest rate calculation on the performance of the same market index. Determine which one will best suit your clients’ needs.

SwiftTerm coverage in five easy steps

Do you have clients who want term life insurance protection but are too busy for in-person meetings and medical tests? With Symetra SwiftTerm’s digital application process, they can get a faster, easier buying experience–in five easy steps. Learn more.
 
Step Up your Sales with Symetra Financial

Life insurance is more than just a financial safety net.  It helps fill several other important needs as well.  We offer a suite of product solutions for clients with a variety of financial goals in mind. Step up your sales.
 
Symetra is Introducing Accumulator Ascent IUL

Symetra is committed to the IUL marketplace always looks for ways to offer products and services that provide value for our customers. We have introduced a new version of Accumulator IUL–Accumulator Ascent IUL.  With more competitive top tier pricing  Ascent IUL Pricing and a new Index called the Putnam Dynamic Low Volatility Excess Return Index Strategies Putnam Index Strategies. Check out the new index.

Situations Change: Solutions Can, Too

Innovations in product design, challenging economic times, changing tax policies, and evolving client circumstances and expectations may warrant review of current products. It’s important to review risk exposure and consider growth opportunity, income certainty, tax efficiency and beneficiary protection. Learn More.
 
Get to Know Retirement Services

When it comes to planning for a financially secure retirement, for many small business owners there is no one-size-fits-all solution. The plan options and administrative requirements can seem overwhelming, or many times the business owner doesn’t believe they have the financial resources, time or personnel to maintain a plan. Learn More.
 
Life Insurance Needs Analysis Worksheet

This worksheet can be used to help clients assess what they’re trying to protect in the event of their untimely death. This method not only focuses on the amount of coverage needed, but the timeframe of those needs as well. Learn More.

Succession Planning Opportunities

Assisting your business-owning clients with creating a plan for the future could help them achieve their financial goals and ensure ongoing success for their company. Discover what questions to ask them to identify top planning concerns in this Broad Market Insights article.
 
Estate Planning in the Modern World

Think estate planning is only for the ultra-affluent? Think again. More than half of the $68 trillion expected to pass to future generations over the next 25 years will come from households other than the high-net-worth (The Cerulli Report). Check out Pacific Life’s Framing Your Legacy brochure to help start the estate planning conversations with clients.
 
Power of Pacific

Financial decisions are long-term. That’s why the carrier you choose to support you matters. Your insurer’s financial future is as important as your own. Our ratings and financial history demonstrate the strength and stability that is the Power of Pacific. Read our 2021 Annual Report.

Premium Deposit Account Rates Are Increasing

PDA rates are increasing by 0.25% for PDA durations 2 through 7. The changes take effect on 5/1/2022. Please reach out to your Securian Financial Sales Team for details.
 
Innovative Underwriting Program Offers Top Rate Classes

Securian Financial continues to look for ways to provide improved underwriting decisions through our mortality credits program, your clients may be eligible for an improved underwriting decision in these key areas: Learn more.

Are you ready for DIAM? We are...

In honor of Disability Insurance Awareness Month, MassMutual Strategic Distributors is excited to provide you with the tools and resources available to help guide successful conversations about Disability Income Insurance. Check out our DIAM toolkit for our most popular marketing flyers, infographics and videos!
 
Celebrating 170 Years of Caring for People

MassMutual's 2021 Annual Report offers a comprehensive view of the company as we recorded one of the best years in our history while expanding the ways we reach people, improving our customer experience, and strengthening our communities. View our Plan. Protect. Grow Annual Report to learn more.
 
Radius Choice - Now Available in CA, DC and NY

We are pleased to announce that MassMutual's premier individual disability income insurance, Radius Choice, is now available in California, District of Columbia and New York. Check out these exciting enhancements in our customer friendly brochure (CA version).

IUL Accumulator II 2020 Enhancements – Effective 4/30

To address a wider range of needs and the growing concerns about market volatility, we are making changes to our IUL Accumulator II.  These changes include higher participation rates, Plus Strategy Credit and Higher Target Premiums.  Watch your email box for more details and please plan to join us for our Webinar on May 12th with Katie Alexander. Register today. Get a sneak peek at the product overview and additional information regarding the new index options.
 
Nationwide Life Pending Tracker

In addition to hiring over 30 case managers, we are striving to make doing business with us easier with our life pending tracker tool. Learn more.
 
Not Knowing these 8 things could cost your clients

Celebrating Social Security month, check out our new client-approved marketing item for you and your clients.

Uncovering Planning Opportunities With A 1040

Tune in to hear Caroline Brooks, AVP & Counsel and Head of our Advanced Markets team, explain how details gleaned from the 1040 can be a catalyst for key planning conversations. Listen Now.

Protection VUL news you won’t want to miss

Protection VUL now has a lower threshold (1.5X the basic target) to qualify for a 15% enhanced target premium. Learn more.

Protective’s Classic Choice term – now with lower prices

Protective just repriced Classic Choice term! Our competitive rates and digital tools can serve as a reminder that Protective invests in you and is always looking for ways to maximize the value that you can provide to clients. Check out the new rates today.
 
Two solid short-term solutions

Clients are looking for solid solutions for short-term life insurance coverage. Help your clients learn about Classic Choice term–Protective’s answer for a competitive short-term need – as well as Custom Choice UL, which offers more flexibility after the initial death benefit period. Download our brochure to learn more.
 
Why Classic Choice Term?

For clients who need traditional term coverage, we’re one of only 3 carriers that offers coverage beyond traditional term periods of 10 – 30 years. Plus, On average, it’s a top 3 lowest-priced term option more than 90% of the time. Visit our website to learn about our straightforward, affordable coverage.

The Complete Package

With a complete portfolio of indexed universal life (IUL) insurance options, our innovative and flexible products are designed to match your clients' needs with the right solutions. Explore our IUL lineup to see the value-add features your clients will love.

Retirement planning client content

Position yourself as a go-to retirement planning resource with client-friendly blog posts to share on your social media platforms, email newsletter, or website. Take a look at: Life insurance as part of retirement planning or Tips for finding retirement planning advice.
 
It’s new grad season

Your clients likely know someone graduating high school this year. It may bring paying or contributing to a child’s college fund top of mind. Use our college funding sales concept video from North American to show how life insurance can do more than just provide death benefit protection.

The New SummitLife Indexed Universal Life (IUL) Product is Now Live

Offer your clients more diversification, more opportunity and more protection. With the new SummitLife product, you’ll have everything you love about Peak, PLUS: New custom index, the US Pacesetter... Read more.
 
Never Miss a Beat - Subscribe to SMS Alerts and Client Intelligence Updates

If you are not optimizing your routine with these sources of time-sensitive information, start today. We are committed to equipping you with digital tools that create transparency and provide you relevant and timely information to better understand your clients’ needs and uncover new opportunities to engage for sales and service. Learn more.
 
2021 Annual Report

Read all about our amazing year. As a company that has been around for more than 173 years, National Life Group’s greatest strength is weathering adversity – the 1918 Pandemic, the Great Depression, two World Wars, the Pandemic of 2020/2021 – and growing stronger. Learn more.

Be A Problem Finder

Use these tools with clients to focus on specific areas of opportunity:

Know Your Resources

Lincoln is committed to helping you do business simply and effectively, especially in areas of high-growth opportunities. Hear from your experienced teams of consultants for support on cases involving business insurance strategies, premium financing, and foreign nationals. We'll partner with you to turn competitive intelligence into sales that meets the needs of your clients.

Do you need a new, easy-to-use sales program for target marketing? 

Then look no further. SBLI offers a proven sales program designed to help you grow your business called Protect Gen X & Gen Y with SBLI. Read about the details and view our quick video.
 
SBLI Whole Life At-a-Glance

Offer your clients a financial tool that combines a dependable death benefit with superior flexibility to meet current financial obligations and earn very competitive commissions. Get the details.

Comprehensive Business Planning Services

Demonstrate to employers our comprehensive business market solutions.
 
Nonqualified Deferred Compensation

Our short video (2:26) discusses the benefits of using retirement income from the deferred comp plan in the early years of retirement---and delaying the receipt of qualified plan and Social Security benefits so that they can continue to grow. Watch: Using the plan as an income bridge.
 
Group Benefits

Overview of all products, discounts and services education and enrollment and administration services. Check out our guide.

3 Sales Ideas in 15 Minutes

Join Principal® for a fast-paced sales idea session with the regional directors of business solutions.

LTC Sales Idea: Inflation Protection

Adding inflation protection to an LTCi policy provides two key advantages to your clients. View the sales idea to better understand the benefits.

Follow These steps to Heat Up LTCi Sales

If you're one of Mutual of Omaha's top 20 Long-Term Care Insurance producers in May and June, you will have a chance to choose between hot summer prizes or a gift card. Learn more.

SecureCare III Expertise In Minutes

Learning a new product takes time and incorporating it into your practice can take even longer. Our video resource library is designed to help give you the product knowledge, prospecting tools and sales ideas you need to get up to speed on SecureCare III, in minutes. Learn more.

OneAmerica Roadshow Coming to a City Near You

OneAmerica is taking its premier long-term care (LTC) educational event and bringing it to a location near you! This is a great opportunity to learn from our knowledgeable and experienced wholesalers, focused on helping you grow your business by adding or expanding your LTC practice. View the Roadshow schedule.
 
Financial First Responder

Use this “Financial First Responders” video to demonstrate your commitment to the financial services industry and being there for people when they need you most. In addition to the video utilize our talking points to provide positioning support for conversations with clients and customers.

Rider Availability Changes in Washington

Effective May 16, 2022, Lincoln will once again offer our Long‐Term Care Rider (LTC Rider) and Lincoln Care Coverage Accelerated Benefits Rider (CCBAR) for new sales in the state of Washington. Read more.

Athene is #1 in FIA sales for the 2nd year in a row

Athene is the #1 provider in #FixedIndexedAnnuity sales according to LIMRA’s Secure Retirement Institute. This is possible thanks to our successful partnership with you and your dedication to helping clients retire with confidence. Check out the rankings.

6 Ways to improve your financial literacy

Finding ways to incorporate financial education into your client discussions can be hugely beneficial. During #FinancialLiteracyMonth, encourage your clients to give our knowledge-boosting tips a try.

Listen up!!  Can you identify an annuity opportunity when you hear one?

Listen for these conversation clues, and you may discover important insights into your clients’ financial goals for retirement.  Client clues often present an opportunity to discuss how Athene annuities may help meet important long-term goals for saving and income. Read More.

Getting the most of AssetShield FIA

A diversified accumulation strategy can help clients limit exposure to any one particular index or strategy. The AssetShield fixed index annuity gives clients the opportunity to get the most out of their money by offering multiple 1- and 2-year crediting strategies, linked to multiple different indices. Learn more.

Higher income credit and withdrawal rates for Lifetime Income Choice

Did you know our Lifetime Income Choice – guaranteed living benefit rider available in The Power Series of Index Annuities increased March 14th? See highlights below and visit the links to learn more:  Visit our playbook to learn more & Download Rate Flyer

  • Level Income single payout is 50% for ages 65-71 and 6.25% for ages 72+ (single life)
  • Max Income single payout is 7% for ages 65-71 and 8% for ages 72+ (single life) 

Don’t miss out on these great MYG interest rate guarantees

For premiums greater than $100,000 the American Pathway VisionMYG fixed annuity is now offering 3.10% on the 4-year term option and 3.35% on the 5-, 6-, 7-, and 10-year term options. Don’t miss out on these competitive rates. Download the rate flyer then give us a call. Download Rate Flyer.

In The Loop Underwriting New Business

Ease of doing business is important...

That’s why our Accelerated Underwriting Program, with no Tele-interview, is so simple. Learn more.

Help Your Clients Get FIT

If your clients take care of themselves and lead a healthier lifestyle we want to reward them with FIT underwriting credits. Help you clients get fit.

Nationwide Intelligent Underwriting Medical Requirements

Check out our one pager that lays out the medical requirements by age and face amount if a case doesn’t accelerate or is outside of the acceleration parameters. 

Go Digital with SBLI: No Face-to-Face Contact Necessary

Our unique Accelerated Underwriting process guarantees no face-to-face contact for all clients, ages 18-60 seeking $750,000 or less of life insurance for all risk classes. We guarantee that no one will be redirected to our traditional underwriting process. Check out the step-by-step guide to our process.

Underwriting Hits The Sweet Spot

Have an appetite for something specific or need suggestions to satisfy your palate? Check out the underwriting strengths and sweet spots that make our products competitive.

The Power Of WriteFit Underwriting...

Use our turn-key digital campaigns to help bust common misconceptions about getting life insurance – position yourself as the expert your prospects need. In the kit, you’ll find pre-built social media campaigns for Facebook and LinkedIn, plus ready-to-blast prospecting emails

Underwriting: The Strong Foundation for a Changing World

Hear from Chief Underwriter Chris Regione on how life insurance underwriting has continued to evolve due to improved medical treatments, better understanding of co-morbidities, and advancement of third-party data tools. 

Dedicated large case underwriters

North American is here to handle your agency’s large cases with our dedicated large case underwriting team and a holistic approach.

  • Cases above $10 million can still use SimpleSubmit e-App
  • Jumbo limit of $65 million

Learn more about our approach.

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