The latest in Life Insurance and related client solutions.
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3 Mark Financial, Inc.
July 7, 2021
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Join Carlan Snipes and Gabriela Cevallos for
LinkedIn Producer Training
Webinar Wednesday, July 14 at 3:00 pm central
Join us and learn how Pacific Life Insurance can support your business!
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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. Read the blog.
- 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. Check out "Planning in action" this month which looks at how a retirement backstop was illustrated.
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Small Business Pension/Retirement Solutions
If small business is your market, check out our Pension offering.
Sales Concept Library
You might want to save this one to your favorites. Overviews, summaries & graphics of the most widely used sales concepts.
Need a Calculator?
You’ve got a calculator on your phone, but sometimes your clients need more than that. Check out out financial calculators.
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Get Connected with Global Atlantic
Have you joined the trend!? Global Atlantic's network of LinkedIn followers has been growing exponentially. It's fast, easy — and a great way to stay connected to company developments, and more. Visit our LinkedIn page.
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New Enhanced Cash Value Rider Added to 3 Products
Columbus Life has recently added a new Enhanced Cash Value (ECV) Rider to 3 products within its competitive product portfolio. This rider enhances the Cash Surrender Values in earlier policy years by eliminating the surrender charge on the base layer of coverage. Learn More.
Tax Law Changes: Proposals vs. Proposed Legislation to Date
Debbie Miner, AVP of Advanced Markets shares updates on what’s on the Tax Legislation docket and about proceeding with caution while tax uncertainty stands at an all-time high. Find Out More.
Proudly Participating in Help Protect Our Families Campaign
Along with our parent company, Columbus Life is proud participate in the nationwide campaign, Help Protect Our Families. Over the coming months, we will support this campaign in our communications and on social media to assist our producers in building their client relationships. Learn More.
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Are You Following National Life Group on Social Media?
Hit that Like or Subscribe button today to stay up to date! Read More.
New Marketing Materials: Spread the Word of NLG's Ratings Upgrades
Connect with your clients and prospects on National Life's financial strength. Read More.
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Lock in a good summer – with Auto Lock
Our new feature automatically captures target index values. Reach out to your clients this summer and show them how they can have a level of control over the impact of ongoing volatility – without the daily tracking of index values.
With Auto Lock, your clients set an upper target within their contract or policy. If a target is reached or exceeded, Auto Lock automatically locks in that day’s ending index value until the end of that crediting period.
Learn more about Auto Lock.
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You Can Help Business Owners Create a Smart Transition Plan
Trimester 2 focuses on how you can help small business owners create a succession plan. Visit our Marketing Resource Site which will give you the foundation you need to know the questions to ask and the life insurance strategies to consider for all the steps in the end-to-end process.
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Business owner retirement
Offer business owners a complimentary, personalized analysis that considers the value of their business, their business transition plans, and their potential retirement income sources. Download brochure.
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A Better Way to Life Insurance: Catch LGA on INN
Legal & General America will be featured on the July cover of InsuranceNewsNet Magazine as well as a 2-page article on the latest digital enhancements in the life insurance journey. The article is available online so please check it out and share.
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New and Improved VUL Defender Info on Securian.com
The ‘VUL Defender’ landing page has new dynamic content for financial professionals to learn more about VUL Defender. Take a look at the updated landing page.
Advisor Approved! LIFT Gets a Face-LIFT
The new layout better presents the main LIFT concept of lowering effective tax rates in retirement, and separates content for the three sub-strategies, Pre-funding Retirement Taxes, Tax Efficient Legacy, and Pre-funding Beneficiary taxes. Check It Out.
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Dual Benefits of Growth and Protection
When a client needs an alternative way to grow and protect their money or maxes out their other investments, a variable universal life (VUL) policy could be a great solution. Download our latest flyer to learn more.
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How will Your Client’s Retirement Expense Get Paid
Help your clients plan for their retirement expenses using a Life Protection Advantage IUL policy. Learn more.
Help Ensure the Continuation of the Family Business with IUL
Many small business owners would like for their children to continue the family business after their death. Help these entrepreneurs imagine the fruits of their labor sustaining the next generation. Learn more.
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One Easy Process, Three Paths to Success, Symetra SwiftTerm
Symetra’s SwiftTerm is affordable term life insurance protection that’s fast, easy, and online. Clients aged 20-60 can choose from terms of 10, 15, 20 and 30 years and get coverage in as little as 25 minutes with no tele-interview. For coverage needs up to $2 million, with competitive premium cost, check out: Learn more about SwiftTerm.
Symetra SwiftTerm versus Symetra Core Term
There are some key differences between Symetra’s new SwiftTerm and core term when you are looking term products for your customers. Download our product comparison.
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Understanding The Affluent Consumer
Get insight into the affluent and emerging affluent with our latest whitepaper. See what they value, what criteria they use in selecting a financial services firm, and get tips for attracting this type of customer! Download flyer.
Get the “NEW” term difference
ADDvantage Term can offer more than what you’ve come to expect from term.
- Accelerated underwriting
- Convertibility options
- Living benefits
See how ADDvantage Term offers added protection, without added premium.
Build on your success with Builder Plus IUL 3
Builder Plus IUL 3 offers death benefit protection, a potentially strong income stream, and the opportunity to help reduce the effects of market volatility and taxes. Download these materials to prepare for the sale:
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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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The Rise in Life Expectancy and its Effects on Retirement
It's important to take longevity into account when helping clients plan their retirement income. Anticipate the high cost of health care. Good health now can deplete wealth later. Learn more.
It's Time to Make Leaving a Legacy Easier
Be ready for the transfer of wealth that is coming. For many clients, legacy planning may be a topic they've never considered because it involves emotionally difficult decisions. But it doesn't need to be that way. Find out how we can help.
Rethinking Retirement: Why You Need to Plan with Longevity in Mind
We’re living in an era of increased longevity, with more clients living to 100 and beyond. In recent decades, the percentage increase of people living to age 100 has grown more than that of the overall population. Download the full whitepaper.
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E-Policy Delivery Program: An integral part of SBLI’s end-to-end digital process
With SBLI’s E-Delivery Program there is no face-to-face contact necessary. Policy and delivery requirements can be accepted, signed and paid for by the client online. Learn more.
Introducing the Affordable Solution for the All-Important Family Market
Flex Whole Life with a Term Combo is the Budget-focused Solution for young families. Many new families have student loans, car payments, mortgages and the cost of raising children. Flex Whole Life is designed to support families’ lifestyles, provide financial security and safeguard dreams for the future. Get more details.
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Immediate changes to applications with LTC riders in Washington state
With new long-term care (LTC) legislation in Washington state, we are seeing an increase in demand for permanent insurance with an LTC rider, particularly at very low face amounts. To best meet this demand and to help ensure these policies are being purchased for the purpose of lasting life insurance and LTC protection, we are implementing changes to the face amount and illustrations. Get the details.
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Thought Leadership on Hybrid Annuities
In the June InsuranceNewsNet magazine, OneAmerica was featured in the Annuity Thought Leadership Series. Regional Sales Director Tim Vannoy shared the benefits of hybrid annuities — especially for people over age 70. He referenced the Pension Protection Act of 2006 and what it allows for LTC events, along with the tax-free access it provides. Read the article and download the whitepaper, which spotlights Rachel Smith, a brokerage general agent who sells the hybrid products.
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SecureCare Likely Qualifies for Washington’s WA Cares Fund Exemption
The fund provides an LTC benefit for all eligible workers, which will be funded by a payroll tax which begins in January 2022. The following Securian Financial products likely qualify for the exemption: SecureCare Universal Life, Long-Term Care Agreement. Get more information.
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Long-Term Care Insurance Case Monitoring Update
An increase in application submissions has caused a delay in entering LTC applications into our back-office systems and subsequently your case status appearing on Sales Professional Access (SPA). Read our LTC Case Monitoring Update.
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Joint Ownership of Non-Qualified Annuities
Not only do annuities provide excellent investment vehicles, but they also provide tax-deferred growth. Learn more about the ins and outs of annuities and how you can best advise clients on them.
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Do your clients know how to make the retirement savings you've helped them build last for a 30+ year retirement? And are they prepared for increased living costs? Show them how they could reposition a portion of their portfolio into fixed income annuity’s optional riders to add more certainty to their retirement strategy with one of three new income playbooks: Get your Income Playbooks.
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FAQs about Lifetime Income Choice
Learn about the guaranteed living benefit rider available in select Power Series of Index Annuities.
Power Series of Index Annuities with Lifetime Income Choice (Max Income Option)
Use our tool to compare the retirement income generated by Max Income to that of a similar annuity product with a flat or level income withdrawal rate.
Try the Power Series of Index Annuities Range of Outcomes Calculator
Calculate the hypothetical range of interest outcomes that an index annuity may generate based on index annuity term, number of years of historical S&P 500 returns, and the index rate cap percentage. Visit the calculator.
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Updated Field Guide + New Age and Risk Profile Postponement Parameters
We’ve been closely monitoring the COVID-19 impact and can now offer full consideration on pre-COVID underwriting guidelines for ages 20-70. Our Underwriting Field Guide now includes a list of declined and postponed situations and impairments. See full announcement.
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All Hands On Deck
Embark on a quicker underwriting journey with PL Swift Sailing accelerated underwriting! Offer clients up to $2 million in life insurance coverage with no medical examinations, fluid draws, or APS. Set sail using our marketing toolkit to start promoting today.
Bulletin - Temporary COVID-19 Underwriting Guidelines Lifted
Due to the overall improvement in the Coronavirus impact, we are pleased to report that Pacific Life’s
temporary COVID-19 underwriting guidelines are being lifted, effective 6/30/21. Read Bulletin.
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Go Digital with SBLI: Accelerated Underwriting Sweet Spots
SBLI offers a unique end-to-end digital process that guarantees no in-person contact, no fluids and no exam underwriting process, no matter what! Find out about commonly accepted conditions for our Accelerated Underwriting Program.
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Requesting Electronic Health Records
APS ordering for your clients can take a significant amount of time... and Protective’s just made that process a little easier. Learn about our new process to request electronic health records to help reduce the amount of time involved with regular APS orders.
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Symetra Has Updated Covid Underwriting Guidelines
Last year, we announced several temporary changes to our underwriting guidelines, as a result of COVID-19. Thanks to declining U.S. COVID-19 cases, we are happy to announce that we are removing most restrictions effective Tuesday, July 6. Check out updated guidelines.
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SecureCare Universal Life (UL) Underwriting
Mortality evaluation is back to pre-pandemic target of Table D (200%) or better for a SecureCare UL policy to be issued.
Money will not be accepted with new applications until at least September 30, 2021, and temporary insurance agreements will not be available during this time.
As a mutual holding company, we take a long-term approach that positions us strongly regardless of what happens in the economy. We will continue to actively monitor COVID-19 data and make decisions that enable us to continue to deliver high levels of service, help customers with insurance needs, and maintain the company’s financial strength.
If you have specific cases that have been declined/postponed due to our previous Covid guideline restrictions, we can reconsider them on an individual basis.
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