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3 Mark's Producer Essentials Newsletter

3 Mark Financial, Inc.

September 28, 2022

Join Jeff Taber from Columbus Life this afternoon at 3:00 pm Central for

5 Effective Sales Ideas for your Clients and Prospects

RESERVE MY SEAT

In this session we will cover all of this and more:

  • Why IUL
  • Retirement Rescue
  • Legacy Planning: Using an Annuity or Life Insurance
  • Making a Difference: Using annual gifts with insurance planning
  • Late to the party LIRP
  • Sequence of Return

Calling all option lovers

New proprietary index – Franklin Quality Dividend Index (FQD) – gives your clients more options to leverage the index cash value growth potential. Now available on Value+ Protector III and Max Accumulator+ III*, FQD harnesses the power of dividends to help generate steady growth. Get the details.

Key year-end dates

Here are our key year-end dates for case processing, commissions, and holiday hours. Stay ahead of the curve and make the most of 2022. Pin to calendar.

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.

Symetra SwiftTerm Extra Coverage Program

Did you know that with Symetra’s SwiftTerm Extra Coverage Program, your clients can get up to 1 million of permanent coverage without going through the full underwriting process. See how it works.

A Guide to An Effective Policy Review

Now may be the perfect time to review your clients’ policies, to make sure their life insurance needs are being met. Our kit walks you through how to do an effective policy review in 3 simple steps. Take a look.

Calculating Your Client’s Insurance Needs

Whether you’re preparing for an appointment with a prospect or a routine policy review, our calculator considers things such as large one-time expenses, monthly expenses, income, and assets. Gathering these details can help ensure your clients will get the coverage they need. Access the calculator.

Jayson Bronchetti blog for life insurance awareness month

Steady guidance can calm consumers’ fears – and emotional reactions – around inflation and market volatility. Read our blog from one of Lincoln’s leaders and Chief Investment officer.

New eReply Portal

On Sept. 26 we are adding to our pending case tools: the Auto Follow-Up (AFU) Email eReply Portal. Lincoln’s AFU emails will include a link to the new eReply Portal, allowing the recipient to satisfy outstanding requirements with no log-in required–a fast and convenient way to complete outstanding requirements. Learn more.

Register for the Professor Moshe Milevsky LTC thought leadership virtual series

Named one of the 35 most influential people in the U.S. financial advisory business during the last 35 years by Investment Advisor magazine, Moshe and Lincoln leaders discuss Mitigating portfolio risk using LTC solutions; Monetizing good health to protect income; and Evaluating LTC features, fees, and services. Watch the trailer. Register. 

Classic Choice term + Protective Velocity = a fast and hassle-free experience

The affordable rate offered on Classic Choice term coupled with Protective Velocity can make create an ideal client experience that is hassle free, quick. Learn more about Velocity platform, Protective’s suite of digital solutions and explore the tools we have to offer today.

Lower prices and the perfect fit

Protective’s Classic Choice term can be a great solution for clients looking for affordable coverage from a trusted carrier. Share our client friendly guide with your clients who are looking for the right fit for the financial goals!

Offer your clients multiple benefits with Signature Guaranteed UL

Signature Guaranteed UL puts your client in charge of their policy with flexible guaranteed death benefits, guaranteed access to cash, and competitive premiums. Learn more.

Offering all the essential features of a true IUL policy, and more:

With the potential for greater interest earnings, a no lapse guarantee, cumulative interest guarantee, and flexible loan options, Signature Performance IUL can enhances your clients retirement savings today. Learn more.

Not all term policies are created equal. Make the decision to protect your client’s family with Signature Term Life Insurance today

Learn how Signature Term Life can offer a competitive rate with all the essential features of a complete term life product.

Offer small businesses a solution to help keep their key employees

77% of small-business owners have difficulty attracting or recruiting key employees. And 80% have key employees who would be critical to retain through a transition of ownership.

Those are two of the takeaways from the first 2022 Allianz Small-Business Owners Survey, providing insights to help you better target business-owner clients. Read the full article, including how fixed index universal life insurance could help strengthen employee compensation strategies. Read the article.

Nationwide Year End Life Business Dates

Check out our year end business dates to make sure your business can count for 2022 production. Click here to download the flyer.

Living Access Benefits Guide

Nationwide has a guide to help explain our three cash indemnity protection features through our living access benefits suite: chronic, critical, and terminal illness benefits. Learn about all three and how these benefits can help protect your clients.

Enhancements to PAL+

PAL+–Pacific Life’s new streamlined underwriting process that replaces PL Smooth Sailing fluidless and PL Swift Sailing accelerated underwriting programs–has made some enhancements. See what’s New. | Learn more About PAL+.

Conversations with Business Clients

Use our Business Solutions Playbook to uncover potential planning opportunities with business clients using life insurance

New Life Insurance Application

We’re excited to let you know our new life insurance application (Part A, B, and C) and supplemental forms, as well as Part B for individual disability insurance, will be available for use effective October 1. Review our overview of application features and changes. Then, view our short video about online Part B completion.

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.

Principal Business Needs Assessment

This innovative, digital resource allows you to approach more business clients and prospects so they can uncover planning needs to help protect their financial well-being and prepare for the future. Use it today.

LIAM Is Here, with a New Consumer Experience to Share

This year’s Life Insurance Awareness Month (LIAM) effort promotes Protection for All and features a new, interactive client-facing experience. Use our experience’s engaging videos, tools, and mini-case studies to fuel conversations with clients.

Deliver a Better Client Experience with LifeInsight

LifeInsight will help you save time, provide clarity, and strengthen client relationships. Learn more.

Improved No-Lapse Guarantee Pricing for SVUL Protector

Starting October 17, SVUL Protector no-lapse guarantee pricing will be improving (except in NY). Our new pricing makes SVUL Protector an attractive option for clients wanting a balance of death benefit protection and the potential to build cash value. Learn more.

More than 100 million US adults still need life insurance. Together we can help get them the protection they deserve.

Life Insurance Awareness Month (LIAM) is winding down, but the need for life insurance in the US remains high. In fact, nearly half of all US adults don’t have any life insurance coverage. Visit our LIAM web page to learn more and to download LIAM marketing materials. Send them to your clients and prospects to help them make the easy decision of protecting their loved ones with life insurance. 

Writing the Life Insurance Ship

Check out our Farron Blanc's latest insights via Insurance Thought Leadership highlighting how data and technology are shifting the analysis of risk in underwriting.

Year-end planning

With year-end fast approaching, there are several planning strategies that can be leveraged. Take advantage of these end-of-year planning opportunities:

Accumulation IUL loan options that add flexibility

With John Hancock’s Accumulation IUL, your clients have access to a variety of loan options that allow them to meet changing circumstances. They can choose between a variable or fixed rate loan – with competitive rates – giving them the ongoing flexibility including positioning for better upside potential. Learn more

North American Web-Based Software: Back to Basics

Who doesn't love to work more efficiently? Lucky for you, North American's web-based software can help. Watch our recorded webinar on your own time to learn how to illustrate popular life insurance sales concepts and access different reports. 

How much life insurance should you have?

Deciding how much life insurance is needed is unique to each person, but there are several factors that can help estimate the amount of coverage that can best meet a client’s goals. Share our blog post to help educate clients on how much life insurance may be needed.

Increased premium limits

Our enduring strength and stability allow us to evaluate new opportunities to improve value for our customers and distribution partners. As a result, we are excited to announce that we have increased the premium limits on our UL and IUL products. Learn more.

Fast Coverage with Simplified Issue Life Insurance

Our Simplified Issue life products makes you and your clients’ lives simpler by providing quick turnarounds and faster coverage for your clients. Learn more.

8 Common Life Insurance Mistakes to Avoid

It is critically important to make sure that any life insurance solution offered works as intended and does not create new or different problems. Learn More.

Address Life’s Uncertainties with the Versatile Asset

As your clients look to the future, are they concerned with helping to provide for their family if they die prematurely? Do they worry about retirement plans coming up short? How about being better prepared for chronic or critical illness? Have they thought about how to put their money to work more tax efficiently? When it comes to life’s uncertainties, turn to Columbus Life’s IUL – a flexible as an option to help address a variety of risks later in life. Learn More.

Help Provide Financial Protection for the Future

Life insurance products built for where your clients are in their lives and their specific coverage needs. Explore Columbus Life’s life insurance products.

Newly Updated Internal Retention Limits

Increased internal retention limits for whole life insurance means we can now provide clients with even higher life insurance coverage to meet their financial needs. Retention limits have also increased for private pilots and some professional athletes. Learn more.

Reaching Retirement Goals

Learn how a whole life insurance policy purchased today can help protect a client’s family or business, while helping them prepare for retirement. Consider what whole life has to offer and how it can help clients reach their retirement goals in our brochure.

LIAM: We All Have Hopes and Dreams for the Future

Use our flyer to educate parents and guardians on how life insurance can help hopes and dreams come true for children through every stage of their life. Also available in Chinese, Korean, Spanish, Thai, and Vietnamese as well as on CoBrand.

Back-to-School: 5 Tips for Kicking Off the School Year with LifeChanger of the Year

Many schools lack formal recognition programs. Establish LifeChanger in these schools and districts to help administrators understand the value of recognition and what it can do for culture and pride in their schools. Discover some ideas to use this year.

Have You Registered for the CPA Symposium?

The CPA Symposium provides an innovative approach to helping you and your CPA partner understand the tools, resources, and support that are available to help clients meet their financial goals and objectives through your partnership. Reach out to your CPA Partners now to inform them of, and invite them to, this event. Learn more.

Producer Essential's Underwriting New Business

Symetra’s high-net-worth foreign national 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) program. See the updates.

The power of JH Solutions® & year-end planning

One of the most powerful tools to tailor custom, client-approved presentations is JH Solutions. For over 25 years, our Advanced Markets team has been committed to developing JH Solutions to help illustrate and quantify the value proposition of various insurance-planning opportunities. Learn more.

Advanced Markets Minute - September 2022

Read the latest Advanced Markets Minute or listen now.

BOLD (Business Owner Life-Stage Design) Design the Right Executive Compensation Program

Our guide is designed to help you understand the many types of executive compensation strategies available, so you can offer the right solution for your business owner clients – no matter their life stage. Check out our guide.

SIMPLIFY it for Clients with Our NEW Advanced Sales Case Design Solution

To help grow your business, we are excited to introduce Simplify, our new Advanced Sales concept platform, featuring robust strategies for supplemental income, business insurance, estate planning and more. View our video and overview flyer on how we can help you build easy-to-read custom client presentations today.

OSO Improvements Coming Soon

We continue to elevate our game and bring improvements to your OneSource Online (OSO) account. Beginning Tuesday, Sept. 20, you’ll start to see changes to your OSO account. View details of the upcoming changes.

Attn Wisconsin producers: Best Interest training is now available

Wisconsin has updated the requirements around Best Interest and Suitability in annuity transactions, effective October 1, 2022. New training is required. View the details.

One Choice

Most of the time when we talk about long-term care, the question that’s asked most is “How will I pay for it?” But equally as important is “Who will provide my care?” Too often, not having protection in place early means your loved one’s step into the role of caregiver. This can negatively impact both their lives and yours–emotionally and physically. Use our One Choice Consumer Presentation to help have this important LTC conversation with your clients.

Condition-Related Marketing for LTCi –Physical Therapy

Just because a client received a concerning health diagnosis, that doesn’t mean they won’t qualify for long-term care insurance. Check out our flyer for more information.

Bridging the Family Conversation Gap – Nationwide Retirement Institute

For most of us, it’s hard to talk about the potential implications of aging, like falling ill or relying on others for care. It’s equally as hard to plan for long-term care, whether our own, a spouse’s or a parent’s. Access the conversation guide our retirement institute created which has five ways to get the LTC conversation started with the people who matter most.

When Does Zero = Positive Performance

For clients looking for more predictable growth, the 1 Year S&P 500 Performance Triggered account may be a good option with a Lincoln OptiBlend fixed indexed annuity. The power behind the strategy is its simplicity — when the S&P 500 Index is flat or positive after a one-year term, the account is credited a specified rate. And if it’s negative, clients have 100% downside protection. Consider that when you look at the S&P 500 Index over the last 20 years — with positive returns 75% of the time.* Learn more. 

*Morningstar Direct. Calendar-year returns are 2001– 2021.

Annuities and Certificates of Deposit (CDs) are popular choices among individuals who want a safe, low-risk way to save money. Which one would suit your clients’ needs best?

Palladium Multi-Year Guarantee (MYG) 3-Year Annuity provides an attractive fixed interest rate and the ability to grow your client’s earnings on a tax-deferred basis. Learn more.

Ease the Burden of Unexpected Inflation with our Palladium Single Premium Immediate Annuity

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). Learn more.

The annuity puzzle:  reframing concerns into opportunities

One or more financial behavioral biases may be preventing some of your clients from purchasing an #Annuity. Discover how to remove barriers blocking a conversation about annuities and their benefits.

Three retirement options to consider aside from a 401(k)

Some companies had to cut back matching funds to their employer-sponsored #Retirement plans during the pandemic. If your clients are looking for other avenues to help them save for the future, try presenting these 3 options – that aren’t a #401(k).

Self-employed? Make the most of your contributions with a solo 401(k)

Saving for #Retirement isn’t always easy for your #SelfEmployed clients. The flexibility of a solo 401(k) may help. Here’s how to make sure your clients are getting the most out of their savings.

Learn the truth behind 6 common annuity myths

As your clients learn about annuities, they may come across some common annuity myths. F&G values transparency, and are prepared to clarify the facts. Share this "2 minute read" with your clients, to take a look at those annuity myths and get some answers. View our Blog.

Producer Essential's Underwriting New Business

Underwriting's Digital Renaissance

How is innovation enhancing the customer experience? Find out in InsuranceNewsNet's September issue, featuring our underwriting team. Find out more.

Is your client a good fit for AU+?

Agile Underwriting+ offers a streamlined path to approval, but some cases may require full UW. Check out our handy checklist which can help you determine if opting out of AU+ is in your client’s best interest. Opt-out is available when submitting your case via iGO full eApp.

Year-end is approaching – submit your applications for underwriting ASAP

As our underwriting year-end deadlines approach, be sure to submit any important life applications to us as soon as possible to allow us the time necessary to make competitive, responsible underwriting decisions. A complete list of underwriting deadlines will be announced in the coming months.

Review each carrier's year-end guidelines by clicking the name of the carrier:

AIG 

Nationwide

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