The latest in Life Insurance and related client solutions.
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3 Mark Financial, Inc.
September 29, 2021
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Join Jacquelyn Baker and Howard Klebanow for
Protecting Your Business in the Event of a Disability
This Afternoon at 3:00 pm Central
The session will focus on products that are available to protect the small business owner’s company in the event of a disability. Learn about:
- Protecting against closing your business during a short term disability by using Business Overhead Expense
- Protecting the company in the event a partner or shareholder can no longer work by using Disability Buy-Sell
- Protecting employees and employer retirement contributions in the event of a disability thru a Disability Retirement product
- Protecting the business in the event a Key person becomes disabled thru the use of a Key Person Disability product.
Join us to explore this opportunity and learn how Berkshire Advisor Resource can help.
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Give Us 30 Minutes, We’ll Give You an Idea You Can Use
Symetra SwiftTerm is the only end-to-end digital platform that issues up to $2 million in term life insurance coverage for eligible clients in about 25 minutes. Join our SwiftTerm leadership teams as they show you how easy it is to make SwiftTerm a part of your business today. Register for SwiftTerm updates.
Help your clients protect their key employees
Loan regime split-dollar is an arrangement is a flexible planning solution to help reward and retain valued executives. Symetra Accumulator IUL can help your clients leave more to their beneficiaries. Learn more.
Symetra Allocation Index Strategies can help clients achieve their policy goals
Whether your client’s policy is designed for income distribution or policy duration, achieving level performance over the long term can be challenging. See how our industry-first Symetra Allocation Index (AI) Strategies can help.
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Effective October 18, 7702 updates coming to Allianz Life Pro+ Advantage
At Allianz, we took the time to review our product and find a balance that meets the needs of both consumers and financial professionals while adhering to the new regulations. Advantage FIUL will be updated to meet the revised guidelines.
Please Note the following regarding inforce business issued January 1, 2021, and later:
- Your client’s inforce policies are compliant and no changes are required, however, these updates will potentially allow for additional flexibility to premium limits or lowering the face amount. Because no changes are required to an inforce policy, no communications will be sent to policyholders.
- Lowering the face amount on any policy is not allowed in the first 12 months of the policy being inforce. Please note a face amount reduction before month 18 could result in a commission charge back.
Additional information will be available on October 18th.
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Help Clients Picture Themselves as Protected for the Future
You have the ability to help your clients protect the well-being of a younger generation and help turn their hard-earned assets into a potentially larger tax-free amount. Now that is compelling motivation. Learn More.
How to Keep Fit in Your 50s, 60s & Beyond (to Stay Financially Fit)
In addition to being Life Insurance Awareness Month, September is also Healthy Aging Month – and we believe that financial fitness helps fuel your mental and physical wellbeing as you age. We have some tips on how to keep fit in your 50s, 60s and beyond (to stay financially fit). Find Out More.
Discover Our ADBR Strong Points
Quickly learn about the strengths of Columbus Life’s Accelerated Death Benefit Rider (ADBR). Discover the value our living benefits can bring to your clients. Learn More.
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Spread The Word About the Importance Of Life Insurance
September and Life Insurance Awareness month is almost over. Our featured material for the week is David’s Story: Life Insurance Matters. Life insurance advisor, David Meno, shares his personal journey of being blindsided without life insurance and what he’s doing to protect more Americans – one family at a time. Watch now.
ApplicInt Platform has made changes to our advisor digital application
As announced on July 21, the Legal & General America advisor digital application was added to the ApplicInt platform. Since then, the platform has made additional updates to ExpressConnect screens that you should be aware of. See details.
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American National’s Signature Guaranteed Universal Life…
… has more to offer than just a low price. See what...
Sometimes You Need a Short-Term Life Insurance Solution
Why not look at one that includes accelerated benefit riders and conversion flexibility. Learn more.
Looking for a carrier that still has a full product portfolio in NY?
Check out American National’s full suite of life and annuity products in NY.
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Life Insurance Awareness Month Is in Full Swing
It’s the perfect time to talk to clients about the importance of life insurance. Not only does it help protect clients’ loved ones, but they may be able to benefit from life insurance in retirement and when chronically ill. Check out our interactive LIAM Experience for shareable content and resources that can help you start the life insurance conversation.
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Conversations: Accelerated Benefits Riders Deep Dive
National Life Group has the broadest suite of living benefits in the industry. Here, NeAndre Broussard breaks down everything you need to know to explain how we put life back in life insurance. Read more.
Back to School: Offer School Employees the Financial Education They Need
Use this turnkey presentation kit, the ABCs of Financial Fitness Series, to connect with educators. The one sector who values life-long learning the most is often undereducated when it comes to understanding the basics of finances. But why? We can tell you it’s not for lack of interest. Read more.
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Sales Resource for Advisors! Discussing Future Care Needs with Your Clients
For many retirees, declining health and the rising cost of care are two of their greatest fears. By discussing future care needs with clients and letting them know they have options, you can help them create a strategy to move forward. Learn more.
Sales Opportunities - Term Conversion(s)
Advantage Elite Select Term clients have an opportunity to convert single-life term policies into most of our permanent life products, including survivorship products. A conversion credit is available on of our Advantage Elite Select Term products. Read More Details.
Taking A Fresh Look at Life Insurance Coverage
As life changes, our life insurance coverage should change with us. Check out our resource to help with your client conversation(s) to find the right amount of life insurance and if the type of coverage they have still fits their needs.
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There are Risks to Waiting on Life Insurance
Understand the risks your client may face from waiting to secure their Indexed Universal Life solution. Read the “The Costs that Come with Waiting” Sales Idea to find out more.
What Can Life Insurance do for You?
During Life Insurance Awareness Month, make sure your clients are using their Life Insurance policies to the fullest by conducting an annual review. Learn more.
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Global Allocation to help diversify your portfolio
Help investors understand the importance of diversification and how global allocation with BlackRock Dynamic Allocation Index can help. Learn more.
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It's Time to Make Leaving a Legacy Easier
Be ready for the transfer of wealth that is coming! There is a great intergenerational transfer of wealth on the horizon, and it's important for financial professionals to prepare. Financial professionals who don't extend their influence to include heirs risk losing assets under management when clients pass away. See how we can help.
Emotional Investors Fall Behind the Market
Often, the best reaction to market volatility is not reacting at all! Equity markets have been remarkably resilient so far this year. Learn more.
Experience the Nationwide Difference
A new interactive, digital brochure is now available to help start conversations with financial professionals. It dives deep into the Nationwide difference for life insurance, to share an extraordinary experience through genuine values, committed partnerships, an adaptable suite of products and accessible services and support. Access the brochure.
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Real outcomes for real clients
John Hancock Vitality life insurance delivers proven benefits for our customers' wealth and health. See our latest data in an easy-to-read infographic.
A winning sales strategy – the “Bronze Guarantee”
Take advantage of our “Bronze Guarantee” sales strategy on JH Illustrator to show your clients how Protection VUL offers a competitively priced guarantee to age 100 AND the opportunity to save up to 25% off that guaranteed premium by engaging in John Hancock Vitality. Learn more.
Offering IUL clients a proven strategy for stability
See how the positive segment returns delivered to our IUL policyholders over this past year – combined with the stability of our cap rate – has led to strong customer value and consistency compared to competitors. Learn more.
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Is Employer-Provided Life Insurance Enough?
Most people get life insurance through their employer because it's easy and convenient. But is it enough? Use this blog post to share the importance of considering an individual life insurance policy in order to help secure the appropriate amount of coverage for clients and their families.
Help To Broaden Sales Opportunities
As you meet with clients to identify their needs, turn to our sales concept kits for marketing materials and the know-how to help put these life insurance strategies to work for you! View sales concepts.
Quick Term Sales in Q4
Let North American help get your ADDvantage Term cases processed with WriteAway this year. Competitive rates on ADDvantage Term combined with accelerated underwriting on eligible cases and eDelivery provide a win-win for you and your client. Learn more.
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A Powerful Combination: IUL + Chronic Illness Coverage
Protective’s blended solution, Indexed Choice UL with the ExtendCare Rider, is built to help protect clients and their loved ones. It provides death benefit protection, cash value potential and eases the costs of chronic illnesses. Download our client flyer and start sharing why Protective’s IUL, and Chronic Illness rider make a great combination.
Cash Value Growth with Downside Protection
In addition to chronic illness coverage, Protective’s IUL gives clients a balance of guaranteed death benefit protection and cash value potential while earning interest on growth in the S&P 500 Index. Download our flyer to see why Protective’s IUL gives the best of both worlds
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The Top 10 Reasons to Sell SBLI Flex Whole Life
SBLI Flex Whole Life insurance is a competitively designed whole life product suite that provides guaranteed premiums, coverage, and cash value growth for life with the potential to earn dividends. With a suite of products and a wide choice of riders, SBLI Flex Whole Life sets the standard for flexibility, integrity, and guarantees. Here are the top 10 reasons to sell our product.
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New Rates Are Here
PL Promise Term, Now Even Better. Effective 9/27/2021, Pacific Life repriced PL Promise Term to be even competitive. Check out our pricing sweet spots to help you maximize your term sales.
Don’t Miss the Latest Field News Monthly
Read PL Promise’s Field News Monthly, an eNewsletter full of trending topics and helpful tools that you can use now! September’s edition focuses on the launch of Pacific Life’s new online health history tool – AboutMe.
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LTC Education coming to a City Near You
OneAmerica is taking its premier long-term care (LTC) educational event and bringing it to a location near you! This is a great opportunity to learn from our knowledgeable and experienced wholesalers, focused on helping you grow your business by adding or expanding your LTC practice. View the dates and locations.
Attention Nebraska producers: Best Interest training is now available
Nebraska has updated the requirements around Best Interest and suitability in annuity transactions, effective 4/7/21. New training is required to submit applications for any annuity products, including Asset Care annuity funding whole life. Learn more.
Attention Idaho producers: Best Interest training is now available
Idaho has updated the requirements around Best Interest and suitability in annuity transactions, effective 7/1/21. New training is required to be able to submit applications for any annuity products, including Asset Care annuity funding whole life. Learn more.
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Retirement Solutions from AIG
Read our sales idea to see how clients can build an income bridge to help maximize Social Security benefits with the Assured Edge Income Achiever.
Offer clients a powerful income advantage for the “Go-Go” years.
The Max Income Option of Lifetime Income Choice provides high initial income of 6.25% for 65-year-old clients at a time during retirement when spending is likely to be the greatest. Read more.
A closer look at index renewal rates
Get the background on our renewal rate process for The Power series of Index Annuities. Download the flyer today.
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Dynamic Accumulator 10 is now available in more states
Potential to earn up to 200% more index interest (tied to the S&P 500 index) than a traditional fixed indexed annuity (FIA)…with no spread or rider fee. Learn more.
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Attention MI Producers
Michigan has updated the requirements around Best Interest and suitability in annuity transactions, effective June 29, 2021. New training is required to be able to submit applications for any annuity products, including Asset Care annuity funding whole life. View details.
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Looking for annuity sales ideas?
We have a bunch.
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Help keep clients focused on the future
One of the obstacles many financial professionals face is helping move clients toward long-term choices — especially if short-term, immediate gratification is at hand. Subconscious behavioral biases play a big part in our most important decisions. But there are ways to help clients overcome their tendencies and move toward better decisions. Check out our article that provides a simple tactic you can use to help clients picture the future for a better retirement.
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A Better Application Experience Awaits
Our digital application makes it easy to provide you and your clients shorter application times, faster decisions, reduced cycle times and greater flexibility. Learn more about our simple online app with built-in accelerated underwriting. Learn more.
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Extended: Lincoln VULONE Suite Enhanced Underwriting Program
Lincoln is excited to announce that we are extending the submission deadline to October 29, 2021 for the enhanced underwriting program for Lincoln VULONE and SVULONE cases. Read more.
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Go Digital with SBLI: Your End-To-End Digital Solution for Term and Whole Life
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. Get the details.
Help Your Business Move Fast…Faster…Fastest
In just three simple steps, you can get business done (and get paid) faster with our streamlined drop ticket solution. No meddlesome paperwork, no paramed scheduling, no stress. Learn more.
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Carrier Year-End Processing Guidelines
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