The latest in Life Insurance and related client solutions.
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3 Mark Financial, Inc.
June 15, 2022
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Join Ben Nordman, Tara Forbord and Todd Shield from NorthCentral DI for an,
Introduction to NorthCentral DI
This Morning at 11:00 am Central
3 Mark Financial is excited to present NorthCentral DI as our strategic partner for disability insurance. Join us to learn about NorthCentral DI and how they can support your clients' individual DI needs.
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Symetra’s High Net Worth Foreign National Program
Clients from all over the world share the same insurance needs. At Symetra, our High Net Worth Foreign National Program, and our expertise with these type cases can help you make these customers become part of your business. Learn about the program.
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Deliver policies fast and easier with EPD
Leverage the efficiency of Electronic Policy Delivery with Protective Life–insuring your clients faster than traditional paper delivery. See how the process works today. And share our helpful client guide that details the EPD process from their end.
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Table Shave Program for Universal Life Plans
Our competitive spotlight highlights the Columbus Life Table Shave Program for Universal Life Plans. See the program guidelines.
How Life Insurance with Living Benefits Could Help Protect Your Clients’ Future
Your clients may know life insurance offers a death benefit, but do they realize many policies also offer living benefits? Help your clients learn more.
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Help to ensure your client’s needs are met using our Signature Life series
Check out our life product comparison chart highlighting different strengths by product.
Don’t let your clients overlook the importance of creating a clear plan
Term life can meet a wide variety of needs for your client, their family, and their business. Learn more.
Don’t get caught off guard, work to secure your financial future today
Signature Performance IUL offers all of the essential features of a true IUL policy, and more. Learn more.
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Sometimes You Need a Helping Hand
We’re standing by for you and your clients whenever you made us. And with our simple claims process, we’ll be there when you and your clients need us most. Here is how we measure up. Share now.
The Simplicity of Term Life Insurance
Read Jennifer Torneden’s (SVP, Distribution and Strategic Growth) latest article which explores the simplicity of term life insurance and the different opportunities to introduce the conversation via Advisor Magazine.
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New 10-Minute Sales Ideas Are Here
Have you joined us to find out why hundreds of your peers are excited about our 10-Minute Monday series? The schedule of events through August is now open. Register today for an upcoming session.
Empower Clients with a Strategy to Help with Potential Long-term Illness Needs
Talk to clients this month about the great benefits life insurance can offer, in addition to death benefit protection, to help address the financial impact of a chronic or terminal illness. And be sure to talk about how critical it is for both spouses to have their own policy with a chronic illness rider. Get the client pieces.
Share This Consumer-Approved Link with BAR Customers
New and existing clients with a life insurance policy with the BenefitAccess Rider (BAR) may have access to Concierge Care Services at no additional charge. Visit our Concierge Care site for additional information.
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New Select-a-Term rates, plus increased commission on 10-year policies
New SAT rates are now in effect in all states except for New York, where rates will remain the same. Also, street-level commission on 10-year Select-a-Term cases is increased by 10 percent. Learn more.
It’s as easy as 1-2-3
Want to show your clients how? In our 3 Life Insurance Accumulation Stories presentation, we’ll show you to take three separate life insurance concepts and put them together to tell one very compelling story. 3 Life Insurance Accumulation Concepts:
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Placement Improvement Program
With our Placement Improvement Program, your clients who would be rated a Table C or better based on traditional company underwriting procedures may be able to receive a Standard rating on variable universal life products. Learn more.
Life Pending Business Tracker
Take your expertise and case ownership to the next level with our online view of your pending life business. Learn more about the tool.
Nationwide Eliminating Software & Product Limitations
The June 10th Life Illustrator & Winflex releases included the removal of Death Benefit and First Year Premium restrictions across a series of products with long term secondary guarantees.
- The following products will no longer have a $10M DB max face limit and $1M FYP limit
- NLG-UL II
- IUL Protector II Age 120 ENLG rider
- Survivorship IUL Age 120 ENLG rider
- IUL products will no longer enforce the $25M DB max face limit within the illustration software
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Choosing to Sell Our IULs is as Simple as 1-2-3
Mutual of Omaha understands that the IUL market can get complicated, so let’s keep this simple. Take a look at our fully-underwritten indexed universal life insurance products to learn about products that are designed to do what IULs were intended to do---provide upside potential and downside protection.
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Comprehensive Business Planning Services
Demonstrate to employers our comprehensive business market solutions.
Nonqualified Deferred Compensation
Our short video (2:26) discusses the benefits of using retirement income from the deferred comp plan in the early years of retirement---and delaying the receipt of qualified plan and Social Security benefits so that they can continue to grow. Watch the video.
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You've reached the peak...now to the Summit - New SummitLife IUL
- Designed to perform in maximally funded case designs
- Projected cash values and income solves are among the best in the indexed universal life market
- Refreshed indexing strategies and higher fixed bonuses.
Get SummitLife resources.
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Coming Soon: Lincoln VULONE (2021) – Pricing Updates
Effective June 13, 2022, Lincoln is announcing pricing updates on Lincoln VULONE which will improve competitive positioning of level pays, while remaining competitive in single pay designs. Read More.
Lincoln WealthPreserve 2 Survivorship IUL (2022)
Offer long-term protection, built-in guarantees, and lifelong flexibility. Built for couples who want solid, cost-effective protection for two lives under one policy with a NEW Supplemental Increase Rider to help protect against cost-of-living increases by automatically growing the policy’s coverage amount by 3% of the initial specified amount each year, beginning in the second policy year, subject to state approval. Read More. Watch the ONEmeeting
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Estate Planning 101: Class In Session
Are you confident enough in the basics of estate planning to start the conversation with your clients? Join Amy Bryant, Advanced Sales Counsel, to explore the basic rules of estate planning and traditional techniques to solve your client’s estate planning needs. Consider this your “Estate Planning 101” to get started in the exciting world of estate planning.
Refreshed For Summer
We’ve freshened up our submitting new life insurance page in the fin pro section of securian.com. The page continues to serve as a hub for our digital options but has been redesigned to provide financial professionals a path to submitting new business. Check it out.
Agent Resource LIFT Consumer Presentation Updated
The Life Insurance as a Financial Tool consumer presentation has been updated. Check it out as well as our other LIFT resources.
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Estate planning and the whole life insurance solution
Today most clients can benefit from some form of estate and wealth transfer planning, be it simple or complex, and whole life insurance could be an ideal solution to meet their needs. Check out our Advanced Sales Success Strategy.
Illustrate New Whole Life 12 Pay in WinFlex Web Today
MassMutual’s Whole Life 12 Pay, a lower premium limited pay product, is coming this August and can be illustrated today. See our overview for key dates and transition rules for both Whole Life 12 pay and Survivorship Whole life 12 Pay, being debuted concurrently.
Disability Insurance: Know the Facts
Did you know 63% of responders to The Getting Paid in America survey said it would be “somewhat or very difficult” to meet financial obligations if their next paycheck were delayed? Now imagine the impact of becoming too sick or hurt to work for even longer. Check out our video for the importance of protecting income with DI.
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Positive Rate Changes Are Live
Through recent evaluations and given recent increases in long-term interest rates, we will be making increases to cap and participation rates for Allianz Life Pro+ Advantage Fixed Index Universal Life Insurance Policy effective June 7, 2022. The new maximum illustrated rate will be increasing to 6.60%. Visit rate watch to preview the new rates.
Note the Following New Business Rules
- Applications placed inforce with an effective date of Monday, June 6, 2022 or earlier will receive the current/old rates.
- Applications placed inforce with an effective date of Tuesday, June 7, 2022 or later will receive the new rates.
New business product illustrations will be updated and available as of June 7, 2022.
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Power of Indexed Crediting
Recently updated for Protection Survivorship IUL '22, use this consumer-approved flyer to help show your indexed UL clients how they can earn interest credits linked to the movement of the S&P 500 Index or the newly added Barclays Global MA Index. See the power of interest credits.
Product Enhancements For Your Success
With recent enhancements to Protection VUL, Protection Survivorship UL and Protection Survivorship IUL, our product positioning has never been stronger. And when you combine these strengths with the value and incentives of John Hancock Vitality, you have a powerful combination to help your clients protect and preserve their wealth and health. View our all-products guide.
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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.
Looking for a reliable IUL?
Do your clients understand the importance of an Indexed product that is reliable, flexible and from a company they can trust? Check out our webpage to view and share our video highlighting Protective’s Indexed Choice UL, its features and why it can be a great solution for your clients.
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Money Saving Tips From Dad
On June 19, we will celebrate Father's Day as a way to honor our Dads and everything they’ve done for us. To help mark the occasion, we asked our team to share the best budgeting tips and tricks their fathers ever gave them. Take a look.
Looking For Some Summer Social?
North American has you covered. Visit our shareable content page for social media, videos, and blog content you can put to use right away.
Solutions From Start to Finish
Get down to business quicker with North American’s eBusiness solutions. See how our online life insurance business platform works together to make submitting business easier for you and your client.
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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.
Highlighting Pacific Life’s Social Responsibility
June marks World Ocean Month, and with that, it’s a meaningful time to share Pacific Life’s social focuses and values. See how our corporate initiatives are helping create lasting, positive impacts for our people, our communities, our customers, our environment, and our future.
In Case You Missed It–June’s Field News Monthly
PL Promise’s Field News Monthly is an eNewsletter full of trending topics & useful tools that you can use now. Check it out.
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Real People. Real Stories with LTCi
Read a true story about how the value of a care coordinator can truly benefit your clients and LTCi can make a real impact in people’s lives
Encourage Clients to Purchase LTCi Now, Not Later
Even if your clients understand the value of long-term care insurance, purchasing a policy often isn't a top priority. They may not be aware there's cost associated with waiting. Learn more.
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SecureCare III coming soon to AZ, CT, and IN
SecureCare III, is coming to AZ, CT and IN on Mon, June 27. All the things you love about its predecessor – a cash indemnity benefit for LTC with no fine print or restrictions about how it can be used – plus more flexibility.
Key dates
- Monday, June 13, 2022: Illustration software will be updated to include SecureCare III in AZ, CT and IN.
- Friday, June 24, 2022: Applications for SecureCare Universal Life in AZ, CT and IN must be signed, in good order and received by Securian Financial’s home office or submitted via eApp by 3 p.m. CST.
- Saturday, June 25, 2022: SecureCare III will be available in AZ, CT and IN on eApp. Collect all required eSignatures for SecureCare Universal Life and submit your eApp to Securian Financial before 3 p.m. CST June 24 to avoid impact.
- Monday, June 27, 2022: SecureCare III will be available in AZ, CT and IN. To accommodate SecureCare III’s product changes, we will offer a new application.
Transition rules
- All licensing and LTC certification training must be in good order before the sale of any LTC products. Review LTC licensing and training requirements in each state.
- Applications for SecureCare Universal Life in AZ, CT and IN must be signed, in good order and received by Securian Financial’s home office or submitted via eApp by 3 p.m. CST June 24. If a new application is needed due to a licensing issue or because the application is not in good order, the client will no longer be able to apply for SecureCare Universal Life and will need to apply for SecureCare III.
- If a client has already submitted an application for SecureCare Universal Life and started the underwriting process, but wants to switch to SecureCare III, the new application is required. This must be sent to us, along with a cover letter explaining the desired change. Any completed underwriting requirements will be applied to the new application.
- SecureCare Universal Life policies that have already been issued, paid and in-force cannot be exchanged for SecureCare III, unless the policy is in its free-look period.
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Help Clients See the Value of Annuities
Guaranteed income can help improve your clients’ retirement security. And annuities are built to provide guaranteed income. June is Annuity Awareness Month, the perfect time to show clients how an annuity can produce income month after month, guaranteed, no matter how long retirement lasts. View our Annuity Lineup.
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Index Rates are Improving from AIG
See the current rates for The Power Protector Series of Index Annuities.
Combat Low Rates and Rising Inflation with the Power Series Index Annuities
With interest rates near historic lows – for example, 5-year CDs are paying only 0.28% – clients may find it hard to rely on fixed income assets to achieve the growth they need to cover expenses in retirement. Learn more.
No Waiting: Do More Now on Connext With The Click of A Button
Our new online features make it quicker and easier to manage your clients’ index and Assured Edge annuity accounts directly from Connext – with the click of a button. View income rider values, contract packages, change allocations and more. Watch the video to learn more and download the flier to learn how.
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Social Media Spotlight: Annuity Awareness Month Social Media Posts
Use our social posts to spark conversations about using annuities for retirement planning. The National Association for Fixed Annuities designates June as National Annuity Awareness Month to help educate Americans on the important role of annuities as part of a secure retirement savings plan. Learn more.
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Use digital applications and forms to end the paper nightmare. You will never go back
There are multiple reasons to make the switch from paper to digital applications, learn how this change can benefit you today. Learn more.
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Rethinking Risk Tolerance
The pandemic’s economic repercussions may still be fresh in some people’s minds, which may have them rethinking how much risk they’re willing to take with their #Retirement nest egg. Use these insights and this #Quiz with your clients to start the conversation.
Driven To Help Clients Outperform
#Retirement isn’t the end of a job … it’s the beginning of life’s best work. See how Athene #Annuities are built to outperform so you can help your clients retire to what they love.
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Get Your Business Processed Better, Faster
The Life Insurance Underwriting Guide has information to guide you – whether this is your first time submitting an application with us, or you are a seasoned agent. In the latest update you will find SummitLife IUL and Underwriting Quotes powered by XRAE. Bookmark the Underwriting Guide for quick access.
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Simplified protection for businesses covering multiple lives
Protecting the future of a business can be a top priority for many employers. 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.
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Instant communication of underwriting approval
Starting June 13, 2022, Lincoln is excited to provide you and your clients with a Real-Time Offer for cases that have been approved lab-free by our automated underwriting process. Read more. See it in action.
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