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3 Mark's Producer Essentials Newsletter

3 Mark Financial, Inc.

November 9, 2022

Join Todd Shields from NorthCentral DI this morning at 11:00 am Central for

Disability Insurance Needs for Business Owners

RESERVE MY SEAT

There’s much more to DI than just personal income protection! 

Join NorthCentral DI's Todd Shield to learn about the many business needs owners and corporations have, and disability products available to solve them.

Discover how NorthCentral DI can help you grow your business!

Whole life or indexed universal life (IUL)? What’s the difference?

Find out at the next Allianz “In the K.N.O.W.” (Knowledge, News, and Opportunities Webinars) event. Todd Petit, AVP, Advanced and Specialty Markets, and Aaron Dangor, Senior Life Sales Consultant, Life Distribution, will walk you through the key differences between whole life and IUL. Wednesday, November 9, 2022 - 1:00 p.m. - 2:00 p.m. Central time.

Go ahead, do a double take on our Protection IUL: 

Value+ Protector III. It has death benefit guarantees to protect clients up to life expectancy. And with a strong cash value, your clients can generally carry their policy well beyond life expectancy. Even when stress tested, Value+ Protector III can still carry to age 100. On top of that, Value+ Protector III has low-cost death benefit protection. Now that’s double-take worthy. Learn more.

2022 year-end processing dates and holiday hours

Ready for a successful close to 2022? We’re here to help. To help you prepare, we’ve put together a list of key year-end dates for case processing, commissions, and holiday hours. Learn more.

AIG Life & Retirement is now Corebridge Financial…

…one of the largest providers of retirement solutions and insurance products in the United States. Get the details.

 

Client Blog Post: Power of gratitude

It’s an important reminder of the power that gratitude has on our physical and mental health. Focusing on the positives and expressing appreciation for your financial life can improve financial wellness. To make the most of this season of thankfulness, share ways for clients to practice mindfulness to give their financial well-being a boost. Share post.

Finding opportunities in your retirement planning

As you help clients plan for their future needs, make life insurance part of the conversation. Indexed universal life (IUL) insurance can provide death benefit protection and the potential for an income stream later on. Download our flyer.

There’s still time to term

North American’s term life insurance may be a lot different from what your clients may be used to. Learn more about our ADDvantage Term and the benefits it offers. Don’t wait until next year–there’s still time to get term policies placed to protect your clients now.

Protection Planning for Your Life’s Stages

This strategy helps clients leverage the benefits of both term and permanent life insurance as they travel through various life stages. View our flyer to learn more.

“Insights with Insana: Midterms and the Markets”

What do the results of the midterm elections mean for financial professionals and their clients? Join Ron Insana, Senior Advisor to Schroders, as he provides financial professionals with an in-depth analysis on the midterm election results and breaks down what it means for investors and the financial industry.

Build your business with Trust

Estate planning should be a hot topic for all your clients, regardless of net worth. Estate planning with trust-owned life insurance can give clients the protection they need with the control they want over their legacy. Check out our TOLI Digital Guide.

Discover WealthAccelerate an IUL with potential for "Instant Decision"

Explore Lincoln WealthAccelerate,SM our new IUL offering a fully digital and automated experience — from application to policy management. It focuses on meeting clients’ expectations in today’s modern world of instant gratification, exceptional experiences, and simplicity. Visit LFG.com\WealthAccelerate for all WealthAccelerate resources.

Growth and Protection – the best of both worlds

Do you have clients who are looking for both? Look no further than Protective's SOVUL II – our VUL solution for those who want unrestricted growth potential and the protection that a universal life product can offer. Be on the lookout for upcoming enhancements soon and remember, SOVUL II is now available on iPipeline.

Nationwide Caregiving Resource Guide

Caring for a loved one who needs help with daily activities can be hard, especially if you have other responsibilities. Our guide provides resources to help with the day-to-day duties a caregiver experiences, and the importance of a caregiver to keep their own health front of mind. Learn more.

Nationwide Market Insights Podcast: Q3 GDP: Recession Fears Subside, For Now

On this podcast episode, our market insights team discuss what trends they see in the market and the likelihood of a recession occurring. Access our newest episode, and check out the full list of past podcast episodes.

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.

Help your clients plan ahead for their family with Signature Guaranteed Universal Life

Offering guaranteed coverage for less than traditional Universal Life policies, with SGUL the insured can exercise the built-in, cash-out guarantee to surrender their policy and receive a partial return of premiums paid at year 15 or a full return of their premiums paid at year 20 or 25. 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, a cumulative interest guarantee, and flexible loan options, Signature Performance IUL can enhance your client's retirement savings today. Continue reading.

Principal Executive VUL III

Principal Executive Variable Universal Life III (Executive VUL) is designed specifically for the business market and can be ideal for financing deferred compensation plans, bonus plans, and more. Visit our Executive VUL III website.

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.

Deliver Custom Proposals with Our Key Person Calculator

Run key person term life insurance, Key Person Replacement disability insurance, or a combination of both. Visit principal.com/keypersoncalc.

Class is in session

We are pleased to announce the launch of MMSD University, our new online educational portal. This easy-to-navigate digital knowledge hub contains illustration guides for our most popular concepts which can be accessed at any time. Enroll in MMSD University.

Why Insurance Could Be Today’s Preferred ‘Alt’

Lisa Todd, Head of Life & DI Distribution at MMSD, addresses how it may be wise to take a fresh look at a time-tested asset class that is completely uncorrelated to equities or fixed income as investor anxiety is running high: whole life insurance. Check out Wealth Management’s interview with Lisa Todd in this timely article.

Record Dividend Payout for Policyowners

MassMutual is proud to announce that its 2023 dividend payout, estimated at $1.9 billion, will set a new record for the company for the third year in a row. The company has paid dividends every year since 1869. Learn more in our press release.

Life is speeding ahead. Don’t get left behind

Our eCapabilities have helped tens of thousands of clients get life insurance more quickly than they ever imagined. Learn more.

Make Mondays work smarter

Join us live for our 10-Minute Monday series to start your week with a fresh sales strategy. Based on your feedback, we’re now offering two sessions for every topic, so join us when it works for your schedule.

Help Black Americans build more secure futures

Our Black Consumer Market Digital Experience for financial professionals gives you facts, tools, conversation starters, and more to help you bring financial solutions to this underserved market. Take a look.

Is machine learning ready for the big leagues?

LGA’s SVP and Chief Pricing Officer Fred Tavan share the impact of machine learning and how to blend old-school and new-school in the game of digital transformation so everybody wins. Read more.

Private Split Dollar

For those high-net-worth clients, private Split Dollar can be very strong and stable technique for them to use:

Updates to 2023 annual exclusion and lifetime exemption

The IRS just released new numbers for estate planning, so it is a great time to connect with clients and take advantage of these opportunities.

Annual exclusion: $17,000 ($16,000 in 2022)
Lifetime exemption: $12,920,000 ($12,060,000 in 2022)

New Estate Preservation Rider

Our Estate Preservation rider allows clients to purchase the John Hancock survivorship policy before the attorney’s completion of the ILIT document. Watch our video.

Introducing Symetra’s New PIUL

We know that cost-effective, no-lapse protection products remain a top priority for you and your clients, and we believe in offering well-rounded product solutions that provide real customer value. That’s why we’re excited to introduce a new version of Symetra Protector IUL that hits all the high marks. Learn more.

We are open for business 24-7

If you’re looking for competitively priced, affordable, and instant issue term coverage through a fast and easy online platform, look no further. Symetra’s SwiftTerm is here and ready to accommodate your needs. Open whenever you are ready.

A Powerful Combination

Are your clients looking for a straightforward indexed universal life product that offers strong cash value accumulation potential and market volatility control? Symetra’s Accumulator Ascent IUL and our new Putnam Dynamic Low Volatility Excess Return Index Strategies make a powerful combination. See why.

Real-life solutions with IUL

At Mutual of Omaha, we automatically issue a Chronic Illness Rider on all of our Income Advantage and Lifetime Protection Advantage IULs – with no additional underwriting requirements. Find out how this automatic benefit can be a real solution for your clients.

IUL Express: Protection That Lasts

Our IUL Express self-mailer is a great way to promote IUL Express permanent life insurance to potential clients. Reach out to Sales Support at (800) 693-6083 to discuss how this can be customized to fit your prospecting needs.

It’s Time to Talk Retirement Security

Tax rates, market volatility, life expectancy. Uncertainties can cause clients to worry about retirement income security. Following National Retirement Security Month last month, promote the benefits of non-qualified annuities to help secure guaranteed future income. Take a Closer Look.

On Demand: Sales Desk FAQ Video Series

Senior Internal Wholesaler, Dillon Ruth, answers some of your top sales desk questions in just minutes. Watch Now.

Different Risks Demand Different Responses

No one can know how long it may take to recoup losses from market downturns. Columbus Life offers life insurance solutions designed to be tailored to client’s specific needs. Learn More.

Updated Digital RAP Guide

An updated version of the Columbus Life RAP Guide (Resource and Product Guide) is now available, with access to the latest Columbus Life marketing materials. You can order a printed copy of the RAP Guide on the producer extranet (limited quantity) - or – Get the digital version now.

PL Promise Term Repriced

On 11/7, PL Promise Term repriced to be even more competitive across no-nicotine risk classes for all face amounts, terms, ages, and genders. You can count on Pacific Life for financial strength, enhanced underwriting process, attractive conversproductsduct, and competitive pricing! Learn More and Watch our 1-minute - What's Your Promise.

A Don’t-Miss Opportunity…

Applications are being accepted for the Pacific Life Foundation Partner Involvement Grant Program–open to contracted Pacific Life producers. Eleven grant recipients will be selected with $5K awarded to each chosen charity. Deadline is 11/30. This program is a great way to maximize your marketing efforts with your producers. Learn more.

Deadlines For Your 2022 Application Processing

Here's how you can make certain your business is processed in time. Continue reading.

Producer Essential's Underwriting New Business

Do These High Net Worth Foreign National (HNWFN) Scenarios Look Familiar?

MassMutual’s HNWFN program is designed to help foreign nationals with a global net worth of $5 million or more, assets or interests in the U.S., and a demonstrated nexus to obtain U.S. life insurance. Many of these clients have a need for a substantial amount of life insurance. Read our Advanced Sales Success Strategy about using life insurance in various planning scenarios.

Time to Focus on the BOSS

Many business owners only focus on the operation until it’s too late, potentially making their retirement dependent on selling the business and leaving them with limited options.

Join Natalia Keene, Advanced Sales Counsel, to hear about how the business owner saver strategy helps your clients become independent of the business by diversifying their wealth.

Nationwide Informal Business Valuation Fact Finder

Knowing the value of a business is critical in any plan for business succession. By using this fact finder, our Advanced Consulting Group can create an informal business valuation to assist with your client’s business succession and valuation planning. Access our fact finder.

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.

Advanced Planning Perspective: SIUL Strategies

November 3 at 11:30 a.m. Join Katherine Goldsmith, AVP Advanced Markets, as she discusses three approaches to wealth transfer planning that may be benefited by the flexibility of Survivorship Indexed Universal Life. Come see an excellent example of how the expertise of Columbus Life’s Advanced Markets Team can assist you with your client’s financial planning strategies.

Join David Foster, Senior Director – Life Advanced Markets...

For a high-level session on Tuesday, November 8 from 10:00 – 11:00 a.m. central time where we’ll cover:

  • The advantages of target marketing – Creating competitive advantage and serving business owner clients better.
  • Current trends, issues, and concerns for business owners in specific industries that all financial professionals should be aware of.
  • Sales ideas and opportunities based on those trends, concerns, and issues.
  • Additional Allianz resources to help financial professionals market their services to business owners in specific industries and how fixed index universal life insurance can be a potential solution.

Reserve your spot as part of our Advanced Markets Specialty Spotlight Series.

LTC Awareness Month Claims Webinar

Register now for our Long-Term Care Awareness Month Claims Webinar to hear from our LTC Director of Claims, Deborah Giroux, and National Sales Director, LTC and Disability, Corri Campbell.

LTC Consumer Survey

OneAmerica collaborated with Hanover Research to better understand consumer behaviors and thinking surrounding long-term care (LTC) planning. This proprietary survey identifies how LTC fits into client thoughts on retirement planning along with the level and comprehensiveness of current planning actions. Discover more.

Missing Something?

Care Solutions Deep Dive series goes in-depth on topics related to our ABLTC protection. Join us on Friday, Nov. 11th at 11 AM ET to learn more about the “Great Retirement Income Gap”.

Majority of Americans underestimate cost of LTC

70% of those 65 and older will need LTC. This leaves a massive gap for most Americans as only 1 in 10 have coverage. Only 20% feel prepared to pay for coverage, which often results in their children or other loved ones navigating, paying for, and or administrating care. Be sure you have this important LTC convo with your clients. Learn more in the InsuranceNewsnet article.

A Costly Mistake You Can Avoid?

Thinking that LTC and CI planning is a conversation solely reserved for older clients. We believe it’s never too early to start planning for future LTC/CI needs. Join us for our LTC/CI planning for every life stage webinar, and you’ll agree. Discover:

  • How to design LTC plans that grow with clients – instead of plans clients have to grow into
  • What makes Securian Financial’s LTC/CI portfolio so competitive
  • Conversation starters to help you engage prospects

LTC Awareness Month Sneak Up on You?

Don’t worry – we’ve got you covered. Download the Long-Term Care (LTC) Awareness Month marketing plan to help you maximize your prospecting efforts.

Price Improvements to Nationwide CareMatters II

Beginning November 7, 2022, Nationwide is implementing a second price improvement of 2022 across all scenarios for the current CareMatters II product. Learn more and see the transition guidelines.

A Lifetime Income Rider (LIR) With an Asia Plus Annuity Can Offer Stability for Your Client’s Specific Retirement Goals

Allow the ANICO Strategy Indexed Annuity Plus 7 or 10 provide your clients with a flexible premium LIR that provides a comprehensive plan to access future cash.

Retirement Happiness Quiz

Discovering your clients’ #Retirement personalities can help you create financial strategies designed to help them achieve their dreams. Share the “What’s Your More?” #Quiz to see how Athene annuities may help them achieve their goals and retire with confidence.

Sneaky expenses that can wreck your budget

Check out 5 common causes of “expense creep,” which can add up to more than $7,000 a year for your clients. Share our 14 easy tips to help them reverse the trend.

Men vs women in retirement

Discover how men and women may look at #RetirementPlanning differently, so you can help clients create a strategy for the #Retirement they imagine.

Good News - Rates and Caps are Moving on Up

Check it out - another Annuity rate lift.

In Case you Missed the News: US Fundamental and Global Balanced Indexes are Now Available on Older Policies

Available on in-force FIT Flexible Premium Annuities. We are always working to improve the client experience and to maximize the interest crediting options in our annuity products. We are pleased to announce the addition of two new indexes available within annuity products. The two new indexes are the US Fundamental Balanced Index (1) and Global Balanced Index (2). Learn more.

Fight Spending Fright with Annuity Guarantees

Clients scared of running out of money in retirement? If so, they may be cheating themselves out of enjoying their hard-earned assets in retirement. By adding guaranteed, predictable income from an annuity, clients may feel more comfortable spending, or investing a portion of their assets more boldly for additional growth. Learn more.

What is a Fixed Indexed Annuity (FIA)?

Share our quick article with your clients about Fixed Indexed Annuities and how they can benefit a financial portfolio.

Shield Retirement Income

When clients express concerns about market downturns, our brochure can help you explain how fixed index annuities protect principal funds against index volatility – and how IncomeShield can also provide guaranteed lifetime income. Protection and income in one product. View the brochure.

Improvements to Assured Edge

Learn more.

Powering the future

See our competitive Index Annuity rates (Index Annuity Rates) & Renewal rate history.

Reminder - We have a 5 and 7 yr. Index Annuity in NY

Learn more.

Producer Essential's Underwriting New Business

Limited Time - Special Underwriting Program Lowers Rates and Increases Value Through Dec. 30, 2022

Effective Monday, Oct. 24, 2022, all eligible standard Lincoln MoneyGuard cases will receive the Couples Discount underwriting class, regardless of marital status, until Dec. 30, 2022. See details.

Policy packet feature now available

The new policy packet feature option allows our digital application users to backdate life insurance policies by as much as 6 months from the date the application is signed in order to offer insurance based on the nearest age of a client. Learn more.

Get quick coverage with our instant decision process - even for those "less than perfect" cases

While many insurance distributors shy away from (or even deny) coverage for certain conditions, we are simplifying and expediting the process for getting them the coverage they deserve. Check out a few of our actual customers who qualified for instant decision despite being less than perfect cases. View qualified customers.

Symetra Accelerated Underwriting Program

We have increased our max coverage in our accelerated underwriting program to 3 million for clients ages 18-50 and clients ages 51-60 can receive up to 2 million. You only need to submit parts 1 and 2, that’s it. And remember there is no tele-interview needed. Learn more.

Protective Velocity is better than ever

Protective is clearing a path to an expedited life insurance process – and now, with the introduction of Digital part II, clients can answer personal medical questions online, on their time. Learn more about the process and digital tools that make protecting a client’s future fast and hassle-free.

Protection + Technology…and Protective’s solution

Protective Velocity, our suite of digital tools to support the underwriting process, help streamline your processes to reduce administrative work. Explore all the tools that can accelerate your business processes.

Competitive Underwriting for Tobacco and Recreational Marijuana Use

Through our ongoing research, we can offer competitive underwriting decisions for recreational marijuana, tobacco and non-combustible tobacco use through various underwriting initiatives. View our guidelines to see if your client qualifies.

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.

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

AIG  Nationwide
John Hancock Pacific Life
Legal & General Prudential
Lincoln
Symetra
National Life Group  

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