The latest in Life Insurance and related client solutions.
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3 Mark Financial, Inc.
June 30, 2021
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Join Amanda Fleskoski and Jody Harris for
Understanding Social Security: A look at the Big Picture
Webinar This afternoon at 3:00 pm central
Join us to explore this opportunity and learn how Protective Life Insurance can help!
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New Awareness Infographic and Social Graphics Just in Time for Summer
Encourage clients and prospects to take a look at affordable coverage options for the whole family this summer. Share these simple safety tips on social media to help keep your clients and their loved ones protected all season long. View awareness resources.
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Advanced Markets: Mid-Year Roundup
The Advanced Markets Group has been busy highlighting strategies and concepts to help meet your clients’ most pressing needs.
- Intergenerational split dollar. The recent Morrissette case ruling by the Tax Court reminded us that economic-benefit split-dollar solution, and that the underlying mechanics work as we know they should.
- Retirement backstop. This explores many of the risks individuals face in retirement, and shows how life insurance can be a potential solution to help cover these risks. Our "Planning in action" this month looks at how a retirement backstop was illustrated
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Do Your Clients Live Here, But They’re Not from Here?
No problem. Learn about our Resident Foreign National Program.
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Advanced Markets Update
With Morgan Scott’s departure, we want to remind you that we still have two Advanced Markets attorneys on staff, ready to continue providing the highest level of Advanced Markets support. Both are available to consult on cases, review documents, and participate in virtual meetings. Learn More.
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We’re Coming in Hot – With New Select-a-Term rates
Here’s how strong we are in our target cells ($250,000 and up):
- Almost two-thirds are in the Top 3, and 40% are in the Top 2 among the top carriers
- We are especially strong for larger face amounts ($500,000 and up)
- We continue to be very strong in smoking cases
Read Term Re-Price Bulletin.
The right tools. For the right job. In the right way.
"Make sure that you always have the right tools for the job. It’s no use trying to eat a steak with a teaspoon, and a straw." – Anthony T. Hincks
RetireStronger.com is your one-stop shop for all the tools you need in your toolbox. Check out our toolbox. Retirestronger.com.
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| National Life Group’s Comdex Score Increased to 90 Weeks after being upgraded to A1 (Good) from Moody’s and to A+ (Superior) from A.M. Best, National Life has another increased score to add to the list. The increase from Comdex, which is a composite of the ratings a company has received from the four major rating agencies, puts National Life in the 90th percentile of all other rated insurers. Read more.
Intimidated by Social Media? If you’re active on social media to build your brand, gain customers and interact with your current ones, it can be a little intimidating coming up with new content all the time. Luckily, National Life makes it easy for you with our pre-approved posts, plus our tips for creating your own content. Watch the video.
Social Media Spotlight: Annuity Awareness Month Social Media Posts Use our newest social posts to spark conversations about using annuities for retirement planning. |
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Effective June 28, 2021, PruLife Founders Plus UL Is Now Available in PA and WA.
Prudential recently updated Founders Plus with the addition of the Goldman Sachs Voyager Indexed Account and new pricing. Learn more.
July 2021 Index Account Updates
Effective July 15, 2021, there will be updates to some of the capped and uncapped index accounts. Learn more.
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UL Provider Edge II
Principal Universal Life Provider Edge IISM (UL Provider Edge II) offers your clients affordable coverage, with optional guarantees to age 100, and early access to death benefits for health issues. See sales guide.
Principal Business Needs Assessment…
…is an innovative, digital solution that helps you approach businesses and provide a personalized assessment in three key areas—protecting their business, employees, and lifestyle. Take a look at the tool.
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Check Out Securian’s VUL Defender For Your Next Protection Sale
Competitive premiums outshine the competition for guarantees at life expectancy and beyond. Optional chronic illness protection. 74 variable subaccounts, along with capped and uncapped indexed account options. Visit our VUL Defender page to learn more.
Engage Your Clients Through an Online Experience
What if every illustration included a web-based client presentation? At Securian Financial, we are doing just that on all Eclipse Accumulator Indexed Universal Life (IUL) illustrations. Take a tour by checking out our sample website.
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Save Time with Policy E-delivery
Discover a faster and more efficient way to move your life business with our optional policy electronic delivery process. This is a new digital solution that bypasses the physical delivery of a policy. See how our e-delivery works. Also, view your guide to DocuSign.
We Offer You the Resources and Services to Help Support Your Financial Professionals
Our insights and solutions help your financial professionals put plans in place for their clients. Through our thought leadership, Intelligent Underwriting and much more. Learn more.
Nationwide Economic Review & Outlook
Supply-side constraints are having an impact! There are signs, however, that rising prices and supply shortages are leading to reduced sales in some sectors. The previously reported drop-in unit auto sales weighed heavily on total sales — sales ex-autos showed a smaller 0.7 percent decline. Check out the full report.
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New Consumer Video: An Easy Walkthrough of Indexed Universal Life
Our newest video is perfect to share the basics of IULs with your clients, and the value an IUL can bring to their portfolio. Watch the video.
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IUL Express Steps in With New Opportunities
IUL express provides flexibility for the future. Learn more.
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The Value of Certainty
You spoke up and we listened! We used your feedback to create a new marketing campaign, the Value of Certainty. To help you offer your clients greater certainty where they need it most, we’ve created a set of step-by-step playbooks you can use right now. Each is packed with the tools and resources you need to get the ball rolling. Grow your business with Certainty.
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Symetra SwiftTerm: One Easy Process, Three Paths to Success
We’re pleased to announce the launch of Symetra SwiftTerm - affordable term life insurance protection that’s fast, easy, and online. Designed for individuals with coverage needs up to $2 million, we’re among the top carriers for low premiums. Clients can choose from terms of 10, 15, 20 and 30 years and get coverage in as little as 25 minutes. Get more information.
Understanding the VIX Index
Licensed exclusively for Symetra, the CBOE Volatility Index— more commonly known as the VIX® Index—is a financial benchmark designed to be a real-time measure of market sentiment and expectations of future volatility. Learn more.
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Policy Review Client Toolkit
Get policy reviews top of mind with your client base by sharing this North American blog post and video via email, a newsletter, or even social. Then help them prepare for their upcoming meeting by asking them to fill out our easy-to-use checklist. Download the checklist.
What’s the Right Product for Your Client?
Use our digital tool to help find the North American product that fits your client’s need, whether it’s a focus on death benefit guarantees, low-cost, or cash value. Our tool asks a few questions and then provides helpful product info. Check out out digital tool.
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MoneyGuard Pricing Updates
Effective July 12, 2021, Lincoln Financial will be implementing pricing improvements to Lincoln MoneyGuard III, Lincoln MoneyGuard II and Lincoln MoneyGuard II NY, which will improve competitive pricing in key cells. There will be no pricing increases as a result of this update. Read more.
Remind Clients That Losses Hurt More Than Gains Help
Our client-approved flyer “Protection against loss has greater impact than you think” helps clients understand what would be needed for them to bounce back from a market loss. Get the flyer.
Did you miss “The Washington Update” with Andy Friedman?
Andy shared his thoughts about the current critical legislative and economic initiatives from Washington, including a detailed overview of the Biden tax plan, as well as the likely Congressional additions and changes, likelihood of passage, and the possible effect on the market. Watch the replay here.
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Building Your Business Through Soft Selling
Using a soft sell approach can be effective in building trust and developing long-term relationships with new clients. Learn how you can implement a soft selling strategy with this step-by-step guide. Read the latest Broad Market Insights.
Conversations with Business Clients
One of the primary benefits of working with businesses is that they can have multiple financial needs. Uncover potential planning opportunities with business clients using life insurance. Check out out Business Solutions Playbook.
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Help Agents Communicate with Clients
Finally, insurance that doesn’t require a home visit. A great way for clients to learn about our fast, less invasive application process. A consumer-flyer makes it easy. Get more information and check out our customizable marketing piece.
SBLI Whole-Life-At-A-Glance
Offer your clients a financial tool that combines a dependable death benefit with superior flexibility to meet current financial obligations — and earn very competitive commissions! Learn more.
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What You Need to Know About LTC
Don’t let your clients leave it to chance when it comes to LTC planning. Utilize this LifeHappens.org flyer to help illustrate the importance of planning and options that are available to them.
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Mutual of Omaha Suspends LTCi Sales in Washington State
The deadline for long-term care applications in the state of Washington was June 16, 2021. Read more.
Updated MutualCare Solutions Product Guide
The LTCi Product Guide has been updated, offering clarification on several sections. Learn more.
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The power to maximize income early in retirement.
Visit our website to compare the retirement income generated by Max Income to that of a similar annuity product with a flat or level income withdrawal rate.
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Identifying Retirement Income Gaps
Typically retirees needs 75-85%of their working income to maintain their lifestyle in retirement. Download our client-ready income gap worksheet with examples of clients turning assets into $600+ per month for life
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PruFast Track Program – New Requirement Effective July 19, 2021
To get more clients on their way to a faster, more convenient, buying experience, beginning July 19, all PruFast Track eligible business MUST be submitted via Prudential Xpress QuickForm worksheet or Drop Ticket.
Learn more.
Read FAQs.
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Digital AppAssist at A Glance
The best of both worlds is available with our easy digital application and the option to complete over a 30-minute phone interview. Our experience in-house team does the heavy lifting, so you can spend more time finding and helping new clients. Download flyer.
New Advisor Video: A Better Way to Life Insurance
Whether you drop a ticket or start an advisor-assisted application with your client, our digital platform with accelerated underwriting speeds app completion, reduces cycle time and ensures a more convenient experience for both advisors and customers. Share this video with downline agents: 40 second version | 2-minute version.
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SBLI Accelerated Underwriting Digital Process in Action
SBLI’s Accelerated Underwriting process is a key part of our end-to-end digital process that guarantees no face-to-face contact. Advantages include:
- Guaranteed accelerated process for everyone
- No fluids, no exam, ever!
- E-sign and e-delivery
Get more details.
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It’s Fast & Easy
Accelerated Underwriting for cases up to $1,000,000. Check out the details on Xpress & Xpress Plus.
Warning - Better Offers Might Be Available
It’s not a table shave, but you should get to know our Precision Credit Underwriting program.
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Swift and Smooth Underwriting
With most accelerated underwriting options, your clients are either in or out. But PL Promise Term offers qualifying applicants two opportunities for a touch-free underwriting experience, which means clients stand for a better chance of getting a hassle-free offer. Download our handy flyer to learn more about our underwriting programs—PL Swift Sailing and PL Smooth Sailing.
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DI Business Underwriting Program
Increase your opportunities with small business owners using our new 3-3-3 program. It allows you to provide them a pre-approved 3A occupation class. See how the program works and the ideal prospects.
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Agile Underwriting+
A streamlined path from submission to approval. AU+ is available on our permanent products. And price matters.
Get AU+ Details.
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A New Process for Electronic Health Records
We’ve heard your feedback on the length of time APS ordering can take and know how much time is involved when ordering health records for your clients. As a result, Protective has introduced a new process to request electronic health records to help reduce the amount of time involved with regular APS orders. Read more.
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