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3 Mark's Producer Essentials Newsletter

3 Mark Financial, Inc.

February 1, 2023

Webinar:

Protecting the Retirement Portfolio with Whole Life insurance

Jeff Wright, will provide some important updates about MassMutual.
Lina Storm will present MassMutual's new “Taming The Bear Market” Advanced Sales Success Strategy, and provide a demonstration of the digital toolkit where it’s featured.
An underwriting update will be shared by Sam Miller.

Join us this afternoon at 3:00 pm central.

RESERVE MY SEAT

Increased cap and max illustrated rates

As of January 21, 2023, our cap and max illustrated rates across all our new business Index Universal Life products have increased. Continue reading.

Quick Start in The New Year

Schedule your client check-in: Open the door for more sales with a beneficiary review. Learn more.

New and Improved Retire Stronger…

…website coming soon. The countdown is on. Get the details.

 Get to know Corebridge Financial

At Corebridge Financial, formerly AIG Life & Retirement, we believe action today can lead to great things tomorrow. Action is the bridge from planning to outcomes. Continue reading.

Offer your clients competitive premiums and signature protection with Signature Protection IUL today.

Signature Protection IUL offers the upside potential accumulation of the typical indexed UL product in addition to flexible long-term death benefit guarantees. Learn more.

Snapshot of MassMutual’s SBIs

Ever wonder how MassMutual can pay dividends year after year? One way is how our Strategic Businesses and Investments (SBIs) have diversified our earnings and are distributable as Other Business Earnings (OBEs) to eligible participating policy owners. Learn more about SBIs in our new flyer.

A Tale of Two Incomes

It’s easy for clients to get caught up in focusing on their career and potential income growth. But are they thinking about what would happen if they became too sick or hurt to work? Follow our case study on two professionals in this consumer-facing piece, demonstrating the importance of Disability Income Insurance.

Steps To Create a Monthly Budget

We know about the importance of a budget to help keep track of spending, but some clients may avoid creating one because they are worried the process is confusing and complicated. To help them get started, share North American’s blog post with six steps to make a monthly budget and improve short- and long-term financial habits.

North American’s Product Offerings

Explore our product line-up. You’ll find something to fit client needs, from death benefit protection, growth or flexibility. Look to North American’s life insurance products to be the cornerstone of your clients’ financial plans. 

Thank you for your partnership with North American

As you prepare for another outstanding year, check out a few resources we recommend to help you hit the ground running.

ICYMI: See how you can take a faster route from planning to policy with Lincoln

Meet Lincoln WealthAccelerate IUL, the new simplified product that offers clients life insurance protection with a streamlined process. Watch our event replay. And take a test-drive with our new digital experience.

Coming Soon to California – Lincoln MoneyGuard Market Advantage

Effective Feb. 13, 2023, Lincoln MoneyGuard Market Advantage will be made available in California. Read the complete details.

Your On-Demand Knowledge Network To Help Clients Through Market Ups And Downs

Looking for timely insights into market volatility and industry trends to help calm your clients’ concerns? Visit Lincoln’s Interact with Impact: Center for Financial Planning Excellence hub page. Build trust, boost confidence and strengthen client relationships.

LGA is here for you to start 2023 Strong

To help you grow your business in 2023, here are some of our latest marketing kits and materials to help you get started.

Three Trends That Could Shape the Insurance Industry In 2023

McKinsey & Company's Global Insurance Report for 2023 shares key areas to take note of and the opportunities ahead in the new year. Read the report.

Fast Fact Flyer, 2023 Tax Updates

A new year brings new tax levels for federal estate and gift taxes. Our updated “Fast Facts” flyer provides some key tax figures and highlights for 2023. Check out the flyer.

Sales Flash, January 2023

View this month's edition covering:

  • Symetra Term reprice
  • Approved in California: Symetra’s Accumulator VUL and MultiLife Business Program
  • High-net-worth foreign national program updates
  • Symetra Underwriting Programs Uncovered

New GI Term II Product for Multi-Life Business Cases

On Jan. 16, we introduced Principal Guaranteed Issue Term II–an innovative new product providing employers with a simple funding solution to meet a variety of business needs. This new web page includes details and marketing materials for this new product. Learn more.

New Thought Leadership: Trends from the Principal Financial Well-Being Index

Use the latest data from the Principal Financial Well-Being Index in conversations with financial professionals and prospects. View more trends and detailed results.

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.

Increase Rate Announcement on IULs

Check out our increased Caps on FlexLife, PeakLife, SummitLife, and SurvivorLife IULs.

Beyond the Premium: Tailored Product Solutions for Unique Clients

Unique clients require unique solutions. Understanding the options available in products allows an agent to tailor a solution uniquely suited to client needs. Matching these needs with features and benefits allows the agent to choose the right Columbus Life product for the situation. Learn More.

Guide for Life Insurance and Annuity Replacements

In addition to following replacement rules and requirements for each state, producers must also follow Columbus Life’s guidelines for life insurance and annuity replacements. Learn More.

Our Enhanced Cash Value Rider Offers Design Flexibility and Early Liquidity

Customize a design for your client, optimize liquidity and long-term design parameters, and increase flexibility by using the Enhanced Cash Value Rider. Learn More.

The Term Essential reprice – What it means for you and clients

Term Essential rates have been reduced by an average of 9% across most age groups. See how you can offer clients more affordable life insurance protection by reviewing the new rates comparison flyer, which illustrates examples of the changes in pricing for a $1 million Term Essential policy. See the pricing examples.

10-Minute Mondays are back by popular demand

Join us live for each 10-Minute Monday session. In just 10 minutes, we’ll share the foundation of a new strategy, the ideal client profile, and how you can use it to grow your business. 

FlexGuard Life IVUL is now available on LifeInsight

We have added our newest product to the tool platform, so take advantage of the features you have come to expect with LifeInsight.  Check out our digital experience.

Top 10 Reasons to Consider Nationwide IUL Accumulator II 2020

Whether your clients are concerned about taking care of their loved ones or building cash value for income later, Nationwide IUL Accumulator II 2020 can help you offer them more confidence to take on the future. See our top 10 reasons to consider this enhanced IUL.

CE Opportunity

This one-hour CE opportunity is an overview of the Roth IRA and how a Roth conversion could help a retiree by providing a future source of tax-free retirement income. Register for this CE opportunity.

New Protection VUL 23

Join us for a 30-minute interactive webinar on Wednesday, February 1 at 2:00 p.m. ET featuring our new Protection VUL 23, where we’ll share sales concepts and scenarios that can help you meet some of the top concerns and needs of today’s clients. 

New for WinFlex

WinFlex now offers the Supplementing Retirement Income presentation under the “optional pages” tab. Take a look.  Along with that, the Invest in Your Life presentation is also available. Take a look.

New for 2023

We now have available the Fingertip Tax Guide that has been updated to reflect 2023 tax numbers. View our Fingertip Tax Guide.

Policy Review Made Easier

Life changes fast. Have your clients’ policies kept up? Start the year right by conducting policy reviews efficiently. Check out our time-saving tools.

Keeping Promises Together

Thanks to your support, we’re now #5 in term life insurance sales, an impressive 15% growth over 2021 (industry growth over same period was -5%). See how we’re making it easier for you to keep your promise. View our video.

Expand Your Clients’ Retirement Income Options

The primary purpose of life insurance is to provide a death benefit to a chosen beneficiary. But the opportunity to grow cash value on a tax-deferred basis can potentially complement the income your clients receive from traditional retirement assets. You can use the strategies and resources in our playbook to support your clients’ retirement planning needs.

Life Application Kit Update

With eApp, you are always completing the most up-to-date forms and applications. Learn more.

Automatic Upgrades: Get More Life Clients Upgraded

We made enhancements to our Underwriting Risk-Class Upgrade Program by removing the minimum $500,000 death benefit requirement, meaning more of your clients could qualify for upgrades. See all the details in our program flyer.

Underwriting Approach Section On securian.com

We’ve expanded our underwriting content on securian.com. Agents now have access to our full underwriting approach without the hassle of logging into the advisor site. Check out the newly redone underwriting approach section.

Learn how to make the most out of our Horizon digital application process.

Watch our recorded webinar as LGA’s own Business Development Manager, Martie McLaughlin, walks through how to customize and revise an offer and how to reopen an application.

Producer Essential's Underwriting New Business

New Sales Concept Materials–Split Dollar

Take advantage of North American’s new materials to help you share the benefits of a split-dollar arrangement. In these types of cases, two or more parties, usually an employer and employee, purchase and share the costs and benefits of a life insurance policy.

Advanced Markets Minute - More on Secure 2.0

Welcome to the Advanced Markets Minute. In this second article on SECURE 2.0 we will discuss three specific provisions which take effect this year that could have implications for your clients' 2023 income and retirement planning. Listen now. 

Use it or Lose it

In our Advanced Sales Success Strategy updated for 2023, learn how to leverage the estate and gift tax exemption with Whole Life Insurance before it expires.

Planning for Special Needs

For parents and caregivers caring for a child with special needs, proper planning with life insurance is one step in the process of caring for the child. Nonetheless, it’s an important step that can offer peace of mind for the future. Learn more.

Please join National Life and NTSA to discuss the Most Pertinent and Broad-reaching Provisions of the SECURE 2.0 Act of 2022

Learn how this new legislation will impact you and your customers.

Qualified Plans: How to Find The Right Solution Among Many Options

Set your client and their business up for success by pairing them with a qualified plan that will align with their needs. 

High Net Worth Foreign National update

Are you working with or have referrals for high-net-worth foreign national (HNWFN) clients? Don’t miss the recent updates we’ve made to our HNWFN market program.

Simplified Protection for Businesses Covering Multiple Lives

Protecting the future of a business is important and 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.

Spousal Lifetime Access Trust (SLAT) presentation

John Hancock’s SLAT presentation is now available in JH illustrator. It is an excellent way to highlight the flexibility of using irrevocable trusts for married couples. Learn more.

Long-Term Care: Two Simple Questions

Help start the LTC conversation by using two simple questions with your clients to shed light on the consequences of ignoring the risk of LTC.

Set the record straight about Long-Term Care

When it comes to (LTC), your clients might not know where the facts end and the myths begin. You can help set the record straight by using our consumer-friendly Myths of LTC brochure as a guide to help debunk the 7 common myths of LTC.

Efficient LTC Risk Coverage for Affluent PPT Presentation

Check out our HNW presentation that covers the seven often unconsidered consequences of self-funding long-term care.

SecureCare III Price Change

Effective January 23, rates for SecureCare III will be reduced by 25 percent across all case scenarios in all states except AZ, CA, CT, DE, DC, FL, IN, MT, NJ, ND, NY, SC and SD. SecureCare III is a long-term care (LTC) and nonparticipating whole life insurance policy. Contact your sales team for transition rules.

Commonly overlooked tax savings for financial professionals

Do you know which enhancements for small businesses under the #Tax Cuts and Job Acts will expire by 2026? Review our tips for #Financial professionals to help make sure you’re benefitting from the savings these deductions offer.

Helping a graying America avoid a retirement crisis

Did you know #Annuity ownership is linked to #Financial confidence? Discover why 73% of retirees who own an annuity feel confident they’ll be able to live the #Retirement lifestyle they’ve been planning.

Sneaky expenses that can wreck your budget

Do you know some of the most common causes of “expense creep”? Find out what could be adding over $7,000 to a client’s annual budget, and share 14 tips to help them free up money they could put toward other #Financial goals. #FinancialFriday.

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).

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