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3 Mark's Producer Essentials Newsletter

3 Mark Financial, Inc.

March 22, 2023

3 Mark Sales Contest

The mass affluent market is vastly underserved. Lincoln Financial understands that, and designed a product specifically for that market – Lincoln WealthAccelerate IUL. In support of Lincoln’s efforts to create awareness of the need, and promote their new product, 3 Mark is thrilled to offer our brand new sales contest. And the great news is...

EVERYONE CAN WIN! 

Through July 31, 2023, 3 Mark will pay producers $50 for every Lincoln WealthAccelerate IUL paid by July 31.*

ARE YOU UP FOR THE CHALLENGE?

Visit 3mark.com/Lincoln, WealthAccelerate IUL, for all the product details.

* Bonus will be paid August 31, 2023

Join Gary Proco & Char Tharaldson from North American for:

Can you predict the future?

Planning for the future just got easier with a North American IUL 

North American’s IUL products include a unique and valuable benefit that provides the policy owner with unmatched flexibility & control of their policy when they want it most. 

At the time of sale, the client’s goal will be identified & matched up with one of the three IUL products that North American offers.  With this valuable benefit, it can provide the client with solutions for the “What if’s” that may occur in their future:

  • What if…..they want a guaranteed DB and/or guaranteed income?
  • What if…..their objectives have transitioned from retirement income to legacy?
  • What if…..they no longer want just a guaranteed DB, but want additional income in retirement?

Join us to learn more about how this benefit can help solve a “what if” scenario in the future.

RESERVE MY SEAT

Build Your Business with CoBrand OnDemand

Order Personalized Marketing Materials Using CoBrand OnDemand.

Why Is the Special Needs Market Worth Exploring?

By understanding the extra challenges families with special needs individuals face, you can help them prepare for their financial future with a personalized estate plan. Parents welcome your advice so they can ensure their love lives on. Learn more about our Special Needs Resources.

Want Easy Access to Securian Product Material?

All of our product pages and many agreement pages are accessible on our Life Solutions site with no log-in required. Learn more about our portfolio at www.securian.com/life-solutions.

Consistently Strong Historical Results

View our client-friendly brochure which shows how MassMutual’s DIR has delivered competitive results with substantially less variability than the investment options typically available in Variable Universal Life and Index Universal Life Insurance policies.

Guaranteed to Fit Your Life

Protection, cash value, and policy dividends are expected with whole life insurance. But clients may ask what does that all mean? Help them understand the basics of whole life with our client-friendly brochure or see our producer reference guide to learn more about MassMutual's WL product portfolio.

Reimagine your cash value life conversations

Cash value life insurance can be a flexible option for multiple needs for many clients. While the death benefit provides valuable protection, any cash value can offer possibilities beyond what we traditionally suggest. Check out our updated resources to reimagine the possibilities with opportunities to reposition assets or savings.

Updated Performance Insights are now available

The Performance Insight pieces have been updated with information for the 4th Quarter 2022. Simply click on the link below to view the latest brochure.

Columbus Life Launches Indexed Explorer Now

Now available from Columbus Life, a rapidly issued IUL policy with no physical exam or phone interview required. Watch a one-minute introduction Here.

Live Webinar: Speed and Performance with Indexed Explorer Now

On March 31, 2023 Join Director of Sales Support Eric Striet as he discusses the current market for insurance products with expedited underwriting and where Columbus Life’s new solution, Indexed Explorer Now fits for clients who want speed and ease without sacrificing quality product design. Save your seat.

What Matters Most with IUL

In a field full of options, how can you decipher which IUL may best suit your clients’ needs? At Columbus Life, what matters most with IUL are Structure, Accumulation Potential, and Distribution. Read more.

Instantly Issues Term

Symetra’s SwiftTerm is competitively priced and can be instantly issued via a fast and easy online platform.  If you haven’t looked at SwiftTerm, take a look. And don’t forget to check out our extra coverage program, up to $1M in permanent insurance with no additional underwriting.

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.

Where Will You Find Your Next Client?

Build your professional network to help build your life insurance business. A large majority of new clients of life insurance producers are found via referrals from strategic alliances such as CPAs, estate planning attorneys, property and casualty agents, etc. Check out Building and Nurturing Strategic Alliances with Professional Advisors to get started.

Explore. Innovate. Accelerate.

Discover product resources, tools, insights, sales strategies, and more that can help make doing business easier, grow client relationships, and unlock new opportunities at the PL Promise website.

LGA's Marketing Webinar: Campaigns in a Box

Join us on Wednesday, March 22 to learn about various marketing campaigns you can run with very limited effort. Find out more.

Leverage the Power Of 3

Protection VUL with John Hancock Vitality PLUS and our Long-Term Care (LTC) rider offers a powerful three-in-one solution that can help your life insurance clients protect their wealth and health for a lifetime. Here’s how:

  1. Flexible death benefit protection gives clients the option to select the NLG duration that best meets their needs and budget;
  2. John Hancock Vitality’s unique value proposition can help clients live a longer, healthier life while also lowering their guaranteed premium without sacrificing their death benefit guarantee duration;
  3. Extra financial protection in case of a long-term care need, with the choice and control offered by our tax-qualified LTC rider.

Check out Protection VUL with LTC - security matters.

Webinar Recording Now Available for Executive UL

Did you miss last week’s webinar about the improvements we’ve just made to Executive UL? View the recording, and visit our website to learn about the types of businesses that might be right for your next Executive UL case.

Better Rates for Classic Choice Term

We’ve just repriced our Classic Choice Term product to make term insurance even more affordable for your clients. Learn more about our new pricing – including transition rules – on our website.

New Pricing for Advantage Choice UL and Lifetime Assurance UL

We’ve also made key changes to our pricing for Lifetime Assurance UL and Advantage Choice UL guaranteed universal life products – making it even more affordable for your clients to have permanent coverage. Read more on our website.

Lincoln MoneyGuard Market Advantage is now available in California

First launched in 2021, Lincoln MoneyGuard Market Advantage is an innovative product design, providing growth potential for both long-term care and death benefits through investment option performance, and offers downside protection with annual lock-ins and a guaranteed minimum level of long-term care benefits. Read Launch Article. Watch replay to turn conversations into commitment.

Help clients prepare for life with a permanent solution built to meet their needs

Indexed universal life insurance offers guaranteed protection, plus cash value growth potential. Whether your clients are focused on protection or accumulation, Lincoln has a solution to help meet their needs. See client profiles.

Coping With Grief

The grief that can come with losing a loved one can make navigating the aftermath difficult and emotional. Life insurance can help ease financial worries for your clients after a loved one passes. Share our helpful tips with your clients on not only dealing with grief, but also how life insurance may help lighten the burden.

New and Improved Retire Stronger is here

Check out our new and improved Retire Stronger website. It's packed with product resources and sales tools to help grow your business. No username/password is required. 

Benefit restoration

Check out the latest business insights from Mark West on this topic.

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.

 

Tax Advantages of Life Insurance - Help Your Clients with Wealth Transfer Needs

The tax benefits of a life insurance policy could make a significant impact when transferring wealth to the next generation. Learn more, and see the comparison between tax investments and life insurance.

Nationwide Advisor Blog – Banking System Fears Causes Sharp Bond Market Reaction

Mark Hackett, Nationwide’s Chief of Investment Research, discusses the health of the banking system and what to watch moving forward. Read the full article.

Driving change, one accelerated application at a time

Legal & General America is transforming the underwriting process to make it easier and more accessible for all. See how we’re doing it so you can get your clients on the fast track to protection. Learn more.

Embracing life’s imperfections, one application at a time

We know that no one is perfect. Through our innovative underwriting approach, we’re helping get more people the coverage they need. Our underwriters consider the whole person. Check out our new video.

Cancer diagnosis? A preferred rate is possible

At Symetra, we believe cancer patients deserve the opportunity to obtain affordable life insurance coverage. That’s why we’re pleased to offer our Preferred Cancer Program. For clients who were diagnosed with one of seven qualifying cancers the opportunity to earn up to a Preferred rate. Learn more about our Preferred Cancer Program.

The Ouchless approach to life insurance

eReview with PruFast Track is Prudential’s accelerated underwriting process. Learn more.

Underwriting 411

Learn more about Lincoln's leading-edge underwriting with our Underwriting 411 video series highlighting Lincoln’s underwriting advantages to help you meet the needs of your clients. Get the UW 411.

Taking the Fast Lane with Express DI

MassMutual is making it easier for clients to obtain the coverage they need through our Express DI Underwriting program. Applicants who meet certain criteria are eligible to apply for fully underwritten DI insurance coverage and/or Business Overhead Expense (BOE) coverage with fewer requirements. Learn more.

Producer Essential's Underwriting New Business

Maximizing the Legacy

Why add life insurance to a SLAT? Not only can a SLAT help minimize estate taxes–a current concern or an anticipated one–it also gives a beneficiary non-grantor spouse the flexibility to receive discretionary lifetime income from the trust. See it our SLAT idea.

Nationwide NLGUL II – An Inexpensive and Flexible Solution for Business Design

Nationwide has more options available to the business owner to create more cost efficiency and flexibility in their key person, buy/sell and executive benefit planning. Learn more.

3/22/23 CE Opportunity – Managing your Client’s Personal Finances Like a CFO

This presentation is aimed to help advisors take a different look at approaching client portfolios by understanding the value that strategically used debt can bring. Financial professionals will come away having a better understanding of how to use debt more strategically to benefit their client’s overall portfolio and offer them access to cash. Register.

Nationwide CE Opportunity 4/20/23 – Social Security: The Choice of a Lifetime

Don't risk losing a client due to lack of Social Security knowledge. In this CE presentation, we'll focus on the Social Security rules you should know and discuss integrating your client's Social Security decision into a comprehensive retirement income plan. Register for the session.

Women’s History Month

March is Women’s History Month, so share North American’s brand new content with your female clients and prospects.

Life Insurance Distribution Solutions Within Qualified Plans

Learn how life Insurance policies within a qualified plan can continue outside of the plan as well.

Celebrating Women and 11th Anniversary of WIN

WIN aims to be a positive catalyst for the growth and success of women in the insurance and financial services industry. Learn more.

Thoughts on College Planning

What is the cost of education today? Could life insurance be a part of the equation? Research and planning can enable parents to come up with a more realistic approach to the cost of college. Learn more.

Blog: Build your business with foreign nationals

Foreign nationals face unique planning challenges for their U.S.-based assets due to their inability to use certain aspects of tax codes. Without proper planning, non-U.S. citizens may face significant adverse federal estate and gift tax consequences. Specific trusts partnered with life insurance can help mitigate some of this risk. Read our blog.

More Opportunities for Foreign Nationals

Lincoln’s underwriting team announced updates including higher max age limits to age 75, term insurance for business coverage scenarios, and additional approved countries. See full guidelines.

Women and Retirement by the Numbers

One of women’s top financial concerns is saving for retirement and ensuring their families are financially secure in case of income loss or death. Learn more by reviewing our updated flyer.

Annuity Care II Advantages

Check out our newly updated Annuity Care II: combination of advantages you can’t find elsewhere two-pager and see what 4x leverage looks like on our 6-year COB option we’ve recently added back!

Women and LTC Presentation

Use our client-approved presentation during your one-on-one’s or host a seminar to educate consumers about the ways LTC protection can benefit women.

Lifetime vs Averages Sales Idea

Your clients aren’t average, their long-term care protection shouldn’t be either. Some carriers claim that your clients don’t need LTC protection beyond the average length of care. But preparing for an average length of a care can leave a large, costly gap. Check out our story of averages sales idea.

International LTC Claims with Nationwide

Nationwide long-term care riders and Nationwide CareMatters policies allow LTC benefits to be collected for care received outside of the United States provided the insured meets all claim qualifications. Learn more about our LTC claims process.

Tax Time Is A Great Time To Connect With Your Clients

With tax season coming up fast, now is a great time to reach out to clients and prospects and discuss the tax-deferral benefits of fixed index annuities, such as those in American Equity’s Shield Suite. 

With current clients, you can:

  • Remind them that taxes on any interest credited are deferred until they turn on income or take withdrawals
  • Invite clients to a meeting to review their current financial products and ensure their plan is still aligned with their goals.

With prospects, you can:

  • Introduce them to the tax-deferral benefits of a fixed index annuity, along with principal protection, opportunities for growth and the power of reliable retirement income.
  • Invite them to meet with you and discuss whether a fixed index annuity could help them meet their retirement goals. 

Download the 2023 Tax Guide.

View the Power of a Tax Deferred Annuity.

Your Conversation Starter Kit

If monitoring the markets is not your full-time job, where can you go to get timely insights?

Look no further than Lincoln's Market Intel Exchange. This resource provides actionable information on interest rates, taxes, how industry leaders are positioning portfolios, and so much more. It’s market intelligence made easy.

Market Intel Exchange is updated quarterly, so you can have a clearer picture of what's impacting portfolios. Download the latest Market Intel Exchange and sign up for quarterly updates.

Tax Impact: Identify Opportunities

How taxes affect your clients' retirement plans and how you can help protect their wealth.

Use the Form 1040 tax guide to help you:

  • Find areas where your clients could benefit from more tax-efficient strategies.
  • Gain a more comprehensive picture of each client's financial situation.
  • Provide a value-added service to establish a stronger relationship with your clients.

View the Form 1040 Tax Guide.

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