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3 Mark's Producer Essentials Newsletter

3 Mark Financial, Inc.

July 13, 2022

Webinar: Why Legal & General America?

Join Gino Wang and Martie McLaughlin from Legal & General America this afternoon at 3pm

RESERVE MY SEAT

Learn about what Legal & General America has to offer including:

  • Products
  • Accelerated underwriting
  • The Horizon experience: our streamline digital process from submit to delivery

Join us to explore opportunities with Legal & General and learn how they can help you grow your business.

A closer look at our unique value proposition:

Don't miss the opportunity to share real value with your clients with John Hancock's enhanced Protection VUL Take a look.

Give Clients a Strong Strategy and Treat Yourself to a Simple Process

There’s no better time to talk to clients about retirement planning. The sooner they take action to protect themselves and those they love, the better. In July, we have a new Life Insurance in Retirement Planning (LIRP) eKit and a new webinar that you should not miss. Learn more.

56 Million Women Are Interested in Life Insurance

43% of women do not own life insurance or need more coverage (2022 LIMRA Life Insurance Needs Gap Study). Check out our Women’s eBook and learn how you can expand your business into this marketplace. Learn more.

New Higher Premium Limits Coming Soon

The large case market is an important segment of our business. Beginning July 11, 2022, the premium limit on most life policies will increase to $5 million before home office approval is needed. For questions, or support with a large premium case, please contact your local Prudential Wholesaler. Learn more.

New index option added to our Accumulation IUL Max Accumulator+ 111, effective July 25, 2022 

On July 25, 2022, we are launching a new version of our flagship accumulation IUL- Max Accumulator+ Ill. It replaces Max Accumulator+ II with new competitive rates and a New Proprietary index option: Franklin Quality Dividend Index (FQD) - creating more options that make our accumulation IUL more attractive and competitive. Learn more.

Protection IUL Upgraded: Value+ Protector III, effective July 25, 2022

On July 25, 2022, we are launching a new version of our flagship protection IUL—Value+ Protector III. It replaces Value+ Protector II with a few exciting upgrades that make our protection IUL more attractive and competitive as your go-to product to help clients look to the future with confidence. Learn more.

Income for Life Rider – the name says it all

Here’s how this attractive rider may add value to your business. Share with clients:

  • Cash value from the policy can be used to guarantee a stream of payments
  • Optional annual adjustments to help offset cost of living increases
  • Annual step-up feature for potentially higher income
  • No additional cost to add this rider to the policy! Just a one-time charge deducted from the account value when the rider is activated.

Expand Your Clients’ Retirement Income Options

The opportunity to grow cash value in an IUL insurance policy on a tax-deferred basis can potentially complement the income your clients receive from traditional retirement assets. Find out how.

Creating Supplemental Future Income With Life Insurance

While its main purpose is death benefit protection, a life insurance policy can also supplement future income sources your clients may already have. See how Symetra Accumulator Ascent IUL may help your clients supplement other sources of income and provide death benefit protection. Learn more.

Some New Enhancements To Symetra’s High-Net-Worth Foreign National Market Program

At Symetra we’re committed to making moves that keep up with your foreign national clients’ needs and we’ve recently made some important enhancements to our high-net-worth foreign national (HNWFN) market program. Take a look.

Multiple Producer Option Now Available On SwiftTerm Policies

At Symetra, we are constantly striving to improve our Swift Platform. Today we’ve made another enhancement to our Instant Issue SwiftTerm platform, now multiple producers can be listed on a SwiftTerm policy. Check out SwiftTerm microsite.

Even lower prices on Classic Choice Term

We’ve done it again – Protective just lowered rates on our Classic Choice term product. 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 your clients. Check out the transition rules on Protective’s Classic Choice term today.

Short Term Solutions

Clients are looking for a solid solution for short-term life insurance coverage. Help your clients learn about Classic Choice term–Protective’s answer for a competitive short-term need. Download our brochure to learn more about Classic Choice term today.

Why Classic Choice term?

Our Classic Choice term offers clients straightforward, affordable coverage that caters to any client. With term periods that extend from 10 to 40 years and competitive pricing, Classic Choice term can be the solution that helps you grow your business and maximize the value you bring to your clients. Learn more.

How Life Insurance with Living Benefits Could Help Protect Your Client’s Future

Your client may know life insurance offers a death benefit, but does he or she realize many policies also offer living benefits? Learn more.

Looking for some quick-hit sales ideas?

Check out past sessions of our 3 sales ideas in 15 minutes series, presented by our experienced team of regional directors.

Starting the business succession conversation

Review our best practices guide to understand key considerations. Then share our new succession planning business insights with your clients and prospects.

Important - Changes for paper application users for Banner (non-NY) business

If you’re using paper applications to submit business to Banner, please join one of our upcoming national webinar sessions to learn how these changes will affect your business. Martie McLaughlin, LGA Business Development Manager, will share critical information for those advisors that are currently using paper applications.

Coming soon to the NAILBA Summer Symposium: Breaking Misconceptions to Build Client Trust presented by Legal & General America

Lisa Ling, Executive Producer and host of This is Life on CNN, joins Jennifer Torneden, Legal & General America SVP, Distribution, Marketing & Strategic Growth, and Dan LaBert, NAILBA CEO, for a discussion on how to build trust with customers and employees while working to reach underserved markets. Register today.

What your clients and their college-bound teens need to know

Do you have clients planning to send kids off to college soon? Share these tips to help them prepare for their future students’ financial futures as they embark on their new journey.

Training series: Key web resources

View key resources available on North American’s website to help you do business. From eBusiness Solutions to sales concepts, and the paperless pending report to recording/upcoming webinars, give this video a watch to get a complete overview of our website.

July is UV Safety Month

With summer heating up, clients are heading outdoors to make the most of the season. Are they exercising sun safety? Check out North American’s pre-approved social media posts to share information on this important topic and educate clients on if life insurance is still possible with a past skin cancer diagnosis.

Do your clients own their financial future?

Life insurance can help mitigate the risks of the unknown and help clients own their future. Use our client flyer to show how our volatility index performs and the importance of early planning. 

MoneyGuard Solutions Update. New states, New sales opportunities

Lincoln MoneyGuard Fixed Advantage now available in Montana and New Jersey. Read More.

New functionality to make the process easier

Starting July 11, 2022, the Lincoln MoneyGuard team is excited to offer text messaging for interview scheduling and appointment updates with our partner LTCG. Read More.

Income Advantage – Accumulation Focused

Choosing to sell our IULs is as SIMPLE as 1-2-3, that includes our Income Advantage IUL Learn more.

Learn About IUL Express

Use our training video to learn how the IUL Express product works, who the target market is, and where you can go to quote it.

Rates Are Increasing

Effective August 1, 2022, we are increasing our Premium Deposit Account Agreement (PDA) interest rates by 0.50%. New rates will be reflected on the financial professional site and in the illustration system on August 1.

Are Clients Saving Enough to Retire the Way They Want To?

Today, retirees are living longer. This means they will need income for a longer time, and financial risks can have a greater long-term impact on their retirement. Use our consumer presentation to help clients learn how they can supplement their retirement income strategy with whole life insurance.

What Would Happen If a Client’s Income Suddenly Stopped?

Chances are they have insurance on their life, but what would happen if they became too sick or hurt and were unable to work? View our consumer brochure to learn how MassMutual’s disability income insurance coverage can help replace a portion of their lost earnings.

Offer your client’s balanced coverage with Signature Protection Indexed UL

The perfect fit for risk-averse consumers. For those who want cost efficient guaranteed death benefit protection with accumulation potential that’s protected from loss. Learn more.

Help your clients learn more about Estate Planning using Signature Whole Life

Creating a clear estate plan with two main objectives in mind can minimize the risk of assets being taxed after death as well as take care of estate expenses that can quickly stack up. Learn more.

Wealth Transfer Conversation Starter

Wealth transfer planning is not just for the ultra-affluent. Life insurance can serve as a strong foundation for any wealth transfer, estate, or succession planning need. Use our short Wealth Transfer Checklist to start the conversation to help your clients identify and assess their unique financial needs. Then, utilize our Framing Your Legacy brochure to help determine next steps.

In Case You Missed It–July’s Field News Monthly

PL Promise’s Field News Monthly is an eNewsletter full of trending topics & useful tools that you can use now. Check out the latest edition.

Producer Essential's Underwriting New Business

The Great Resignation Won’t Quit

Improvements in remote work technology and the Covid-19 pandemic are making workers more mobile and likely to jump to new opportunities. Help clients build executive compensation programs to help keep their most valued talent. Join Jennifer Ortale, National VP – Executive Benefits and Channing Schmidt, Advanced Sales Director to learn about our strategies and administrative capabilities that can help your clients on Thurs July 28.

The Insurance-based Income Solution – White Paper

For many, qualified retirement plans and Social Security will not provide enough money to maintain their standard of living in retirement. Allison Hoyt, JD, CLU is the technical director of our advanced consulting group discusses the IBI solution, who might find the solution attractive, and the eight layers of income tax insulation that can be provided. Access the piece.

Simplified protection for businesses covering multiple lives

Protecting the future of a business can be a top priority for many employers. With Symetra’s MultiLife Business Program, you can help your clients protect their business by protecting their key employees through a streamlined underwriting process designed specifically for them. Learn more.

Executive Bonus Plans: An Advanced Markets Digital Playbook

Take a look at our new resource to guide you every step of the way. Executive Bonus Plans provide companies a way in which they can provide special bonus compensation to employees who are considered key to the success of the company. 

The Era of Great Resignation and solutions to help retain, reward, and recruit key employees

Business owners may turn to types of non-qualified deferred compensation plans. These plans are often tailored to the needs of both the business and key employees to provide benefits that tie the employee to the business. Planning in Action: Surfin’ with SERPS - Our Planning in Action series highlights some of the recent cases we are seeing here in Advanced Markets. This installment is dedicated to navigating the waves of the uncertain labor market and how one of our Advanced Markets consultants was able to help tailor this case to the needs of the client. Learn more.

What is dynamic hedging - and how do your clients benefit?

It’s key to how we deliver on our promises to your customers – but exactly how does dynamic hedging work? Find out at our next In the K.N.O.W. (Knowledge, News, and Opportunities Webinars) event. Join Mark Paulson (VP, Hedging Business Development with Allianz Investment Management U.S. LLC), and Todd Petit (AVP, Advanced and Specialty Markets).

Care Solutions Summer Incentive Contest

Surfs up. This week our 2022 Care Solutions Summer Incentive Contest officially kicks off, and we hope you’re as stoked as we are to catch this wave right into the Bahamas. Our incentive contest runs from July 1st through September 30th with chances to win some fantastic prize experiences. View the contest rules and prize details.

Attention PA Advisors

Pennsylvania has updated the requirements around Best Interest and Suitability in annuity transactions, effective June 20, 2022. View details of the change.

Updated – LTC/CI For Every Life Stage Brochure

Check out our updated “LTC/CI For Every Life Stage” financial professional brochure to include SecureCare III. You can get the updated version at the lit center or at the link here.

Using Inflation Protection to Reach a Desired Premium

There’s no one-size-fits-all long-term care insurance policy. You clients can tailor their long-term care policy from Mutual of Omaha to meet their unique needs, including addressing Inflation Protection. Learn more.

Nationwide CareMatters II Price Improvement

Beginning July 11, 2022, Nationwide will be implementing a price improvement across all scenarios for the current CareMatters II product, in addition to increasing our maximum issue ages for some scenarios. Learn more.

Ensuring that your clients are saving enough for their desired lifestyle in retirement can be difficult, especially with unexpected inflation

Help your clients defend their savings against fears of high inflation with a Palladium Single Premium Immediate Annuity (SPIA) and a Cost Of Living Adjustment (COLA).

One of the Easiest Ways to Grow Your Summer Business

The Premium Increase Program (PIP) rewards you for helping existing customers reach their retirement goals by increasing their ongoing annuity contributions. And, when you use the Contribution Increase feature on the Agent Portal, you get paid in days. Learn more.

Annuity Rate Increase

Effective July 7, our annuity products are getting another rate lift. Help your clients take advantage of some of the best – and most competitive – income and accumulation solutions in the marketplace. Learn more.

Discover your client’s more toolkit

New for you – Athene’s “Discover Your Client’s More” Toolkit. Use our most recent collection of tips, tools, and insights to help develop #FinancialPlans built to help your clients retire brilliantly.

Help clients picture the future now for a better retirement later

Research shows many people would rather choose $5 now than wait 6 months for a 100% return. Show your clients how saving for the future now could pay off for better #Retirement years.

Demystifying annuities

Focusing on your clients’ personal goals is a first step in determining their financial strategy for #Retirement. Start the conversation and introduce #Annuities.

Producer Essential's Underwriting New Business

New - Life Underwriting Requirements Guide

Rodger Hergenrader, Head of MMSD Life Underwriting is pleased to share our new Life Underwriting Requirements: Quick Reference Guide. This high in-demand guide defines our age and amount requirements, and provides a detailed definition of both medical and financial requirements. Download the guide.

Tips to Ensure the Submitted Application is Complete

In this edition of Underwriting FAQs, you will learn what a producer can do to ensure the application if complete. Watch the video.

Get Information at Your Fingertips with Our CLIC Mobile App

Price quote IUL, UL or Term, track the status of pending business, communicate directly with new business and underwriting, and accept policy offers faster and easier than ever before with Columbus Life’s secure CLIC Mobile App. Learn More.

Want to shave up to 20 days off your next case?

Take a minute to see how you can drastically reduce the number of days from submission to commission. Learn more.

AU+ keeps improving

You can now opt-out of Agile Underwriting+ for IUL cases submitted via iGO full eApp. This option may be useful for clients who will likely require labs. Get the details.

Nationwide Intelligent Underwriting Enhancements

Nationwide Intelligent Underwriting is constantly evolving to offer you and your clients a faster, more streamlined process with more competitive offers. Learn about all the enhancements we’ve made.

Updated Financial Underwriting Guidelines

Good News. Pacific Life’s revised gross estate preservation formula allows higher death benefit amounts. Learn More.

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