The latest in Life Insurance and related client solutions.
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3 Mark Financial, Inc.
August 3, 2022
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Webinar: Tax Bracket Maximization before the Sunset of the Tax Cuts & Jobs Act
Join Tana Johnson and Kevin Cox from Lincoln Financial one week from today at 3pm central.
For those clients with excess capital, learn how to increase after tax cash flow without increasing their tax rate and leverage those dollars into life insurance (especially beneficial for high income tax bracket heirs subject to the SECURE Act).
Join us to explore this opportunity and learn how Lincoln Financial Group can help.
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Step Up your Sales with Symetra Financial
Life insurance isn’t just a financial safety net, it fills several other important needs too. Symetra offers a suite of product solutions for clients with a variety of financial goals in mind. Step up your sales.
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.
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The Most Valuable Tool You Aren’t Promoting
My Account is an online portal for clients with individual life insurance policies and annuity contracts. Recent improvements include:
- Index crediting details for individual life insurance policies
- Payment history for individual life insurance policies premium and loan payments
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Expand Your Clients’ Retirement Income Options
The opportunity to grow cash value in an indexed universal life (IUL) insurance policy on a tax-deferred basis can potentially complement the income your clients receive from traditional retirement assets. Find out how.
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Growth and Protection in one IUL
Protective’s IUL can protect your clients’ goals while offering flexibility – including the opportunity to grow and access cash value that’s linked to market performance. Visit our site and share our video with your clients.
Never Negative – the IUL floor
With Protective’s Indexed Choice UL, you can get a balance of guaranteed death benefit protection and cash value potential – even at a 0% interest rate. A product that provides strong cash value potential, downside protection and guaranteed death benefit coverage is one that you need to talk to your clients about today. Download our flyer to learn more.
Chronic Illness Riders + IULs = a powerful combination
Our blended solution – Protective IUL with the ExtendCare Rider is specifically built to help clients protect themselves and their loved ones. This combination provides death benefit protection, accumulation potential and eases the costs of chronic illness. Check out our flyer to see how.
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Give the gift of Flexible, Innovative, Protection with Signature Protection Indexed UL.
Signature Protection Indexed UL can offer your client the upside potential accumulation of the typical indexed UL product with flexible long-term death benefit guarantees that are similar to Signature Guaranteed UL Learn more.
Help your clients nearing retirement deal with inflation.
Learn about helping clients who are at or nearing retirement age create long-term financial security that can withstand inflation and identify products and tools to help them mitigate the risk of not having enough money to enjoy retirement.
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Help Clients Maintain Their Quality of Life as They Age
We rarely stop to think about what would happen if a chronic illness or terminal illness would occur. Often known as a living benefit, an accelerated death benefit rider can help give your clients the option to advance a portion of their life insurance policy's death benefit to use while they are still living. Learn More.
Legacy Planning: Using an Annuity or Life Insurance
Do you have clients who are seeking ways to enhance their legacy? An annuity or life insurance product may be appropriate for this purpose. This marketing piece highlights three scenarios with Columbus Life products. Learn more.
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VUL Protector is Improving No-lapse Guarantee Pricing
Starting August 15, VUL Protector no-lapse guarantee pricing will be improving (except in NY). The new pricing makes VUL Protector a more competitive option for clients looking to balance the security they need with the potential to build cash value. Learn more.
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Protection IUL Upgraded: Value+ Protector III
On July 25, 2022, we launched 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.
New index option added to our Accumulation IUL Max Accumulator+ 111
On July 25, 2022, we launched 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.
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GI Term
The minimum number of lives has been reduced from 25 to 10 for qualifying GI Term cases allowing even more of your business clients to get access to this innovative solution. Review our overview for additional information on GI Term.
Key business findings
For key employees, 84% of SMBs offer them benefits, and 55% want to offer them more. Common benefits include:
Start a conversation with your business clients about these benefits.
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.
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The Time is Right to Learn About IUL Express
If you missed this month's Training Simplified webinar, be sure to check out the recording.
Access to Cash Value with Income Advantage IUL
In addition to offering a death benefit, one of the draws of index universal life (IUL) insurance policies is the potential for greater cash value–including the ability to access the cash value for supplemental income during retirement. Find out how our IUL index loan works.
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Higher issue limits for Starting Professionals
Certain applicants in their final stages of training, or in their first two years of professional practice, may be eligible for special DI issue limits based on anticipated earned income. To see all the occupations in the program, check out our Starting Professional Program Brochure.
Lottery: Waiting for Magic?
As lottery jackpots grow and the odds against winning are astronomical, people continue to spend their money on tickets. However, the odds of suffering a disability are greater, so spending money for protection might be the smarter bet. Read our blog to see two main reasons why people spend their money playing the lottery instead.
A Commitment to Financial Strength and Value
While MassMutual has grown to become a diversified financial services company, our purpose remains the same: To help people secure their future and protect the ones they love. View our brochure to learn more about MassMutual’s financial strength, growth, and value.
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Join our Breaking Misconceptions to Build Client Trust session at NAILBA Summer Symposium
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. Join us.
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For high-net-worth married couples: Survivor Standby Trust
A Survivorship Standby Trust allows for the life insurance to be owned individually today and transferred to trust-ownership later. This approach locks-in clients' insurability, while also giving them control over their policy from day one so that they can adapt as needed to meet future needs. Learn more.
Introducing a new Accelerated Death Benefit for Chronic Illness rider
We are excited to add an Accelerated Death Benefit for Chronic Illness rider to John Hancock's suite of living benefits. This rider can help provide early access to their policy’s death benefit if they become chronically ill. Since it does not have a monthly charge, clients can focus on cash value accumulation, where LTC planning may not be a top priority. Learn More.
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Limiting risk – and zero interest credits
This summer, help clients seek calmer waters – with a diversified allocation strategy in their fixed index universal life (FIUL) insurance policy.
Use our resources to talk to clients about the importance of diversification and choose appropriate allocations to help meet your clients’ needs. FIUL provides a death benefit, as well as the potential to build accumulation value.
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When should clients reassess retirement plans?
Life can throw a lot of curve balls, so it’s important that despite life’s twists and turns, your client’s retirement plans remain on track. Share our blog post that highlights five life events where it might make sense to give a retirement plan another review.
Managing tax allocations
Your clients likely know that life insurance can provide death benefit protection, but do they know how it can enhance a retirement income stream? Take a look at our client-friendly flyer that breaks down different financial vehicles in an easy-to-understand way.
Using life insurance for a child’s education
A premature death and the rising cost of tuition can be hard on a family. Join North American’s upcoming webinar to see how the financial protection offered through life insurance can help pay for a child’s future tuition.
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The Lincoln Leader provides product updates, market insights and process enhancements
Check out the latest issue.
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Qualified Retirement Plans: An Advanced Markets Digital Playbook
Employers offer qualified plans to obtain tax advantages, provide essential retirement benefits for themselves and their employees, and provide death benefit protection when life insurance is purchased within the plan. A qualified plan can provide business owners with a critical edge in attracting and retaining highly qualified employees and tax advantages, as the business is able to fund the plan with tax deductible contributions.
Learn about the different types of defined benefit and defined contribution plans as well as tips to help you identify top prospects. Consumer marketing materials included are intended to help you open doors to conversations with new and existing clients. More
Training Opportunities Available in August
Including Mandarin and Spanish in-language trainings. Whether you are new to the business or an experienced producer, we have plenty of interactive trainings offered to fit your schedule. Continue reading.
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Peace of Mind During Challenging Times
In challenging economic times, your clients may be looking for certainty when it comes to their financial future. A guaranteed universal life policy like PL Promise GUL can help provide stability with guaranteed death and living benefits–no matter how the markets are doing. Learn more.
Communicating Value to Life Insurance Prospects
Developing an engaging value proposition that sticks with your prospects can make all the difference in how they respond. See how your policy recommendation can become more appealing to potential customers by focusing on your value proposition in our latest Broad Market Insights.
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New edition of Advanced Markets Strategic Insights now available
Read our latest compilation of a month’s worth of updates now online for downloading. Discover new opportunities for using fixed index universal life insurance in estate planning strategies, taxation, business strategies, and more.
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Nationwide Foreign National Guidelines
We understand that some of your clients are citizens of the world, and we want to offer our exceptional Nationwide life insurance products to them. Our Foreign National Guidelines allow citizens of the world to have access to our products. Learn more.
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IRS Issues Proposed Regulations Concerning “Claw-back” of Certain Lifetime Gifts
On April 26, 2022, the IRS issued proposed regulations addressing the basic exclusion amount allowable when computing federal estate taxes as applied to certain lifetime gifts. Learn more.
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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 made some important enhancements to our high-net-worth foreign national (HNWFN) market program. Learn more.
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Split Dollar Loan Regime
A split dollar arrangement is a method of sharing (or splitting) the premium cost of life insurance. Split dollar arrangements can be used to split costs between a business and an employee, as well as in wealth transfer planning with a trust or between family members. Learn More.
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Tired Of Running the Same Case Over and Over?
Us too. Instead of running the same SecureCare III case multiple times to compare different designs, we’ve created our “Alternative design options” report that does the work for you.
It will automatically generate with each proposal and will help answer key questions:
- Is that the right premium schedule?
- Is that the right return of premium (ROP) option?
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Enhancements Coming August 15
Lincoln MoneyGuard Market Advantage (2022) provides pricing improvements that allow for even greater benefit growth potential and adds the new Benefit Transfer Rider (BTR) to all policies at no additional cost. This innovative rider provides beneficiaries the option to leverage some or all their death benefit proceeds to enhance their own benefits on an existing MoneyGuard Fixed Advantage or MoneyGuard Market Advantage policy, all with no additional underwriting requirements. The Flexible Care Cash (FCC) benefits are extending to seven days a week (previously five) providing clients greater flexibility and access to cash for informal care needs. Read the article. See more details.
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Goodbye empty nest: millennials are moving back home
For the first time since the Great Depression, over 50% of young adults live with their parents. The numbers may climb as #Student loan debt and #Inflation continue to rise. Share our tips to help clients living with adult children transition well.
Behaviors that can create roadblocks to smart financial choices
People often bring behavioral biases they’re not aware of to their #FinancialPlanning. Introduce your clients to 4 common biases and solutions to overcome them as you create a #Retirement strategy together that could help them #Retire to their best life.
The importance of education about fixed indexed annuities
The better you understand key #FixedIndexedAnnuity details, the more you can help your clients appreciate the benefits of these #Retirement products. Learn more.
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This single premium fixed deferred annuity allows you to choose from one of several guarantee periods and lock in a competitive accumulation interest rate for the period that fits your client’s needs.
Find out more about Palladium MYG and how it may fit your clients financial needs, offering an attractive fixed interest rate and ability to grow their earnings on a tax deferred basis.
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The Power Series of Index Annuities are improving on 8/1
Check out our competitive cap and par rates.
Renewal rate history for the Power Series of Index Annuities
Did you know the vast majority of our contracts (97%) have experienced renewal rates that were better, the same, or not less than .50% from the initial rates? Download flyer.
The Power Series of Index Annuities offer diverse crediting options
Proving the potential to earn interest based in part on the performance of a leading equity market or hybrid multi-asset index such as: MLSB , PIMCO, AQR. The case study linked below highlights the key features and return history of the hybrid indices available with these index annuities. Download our case study.
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