3 Mark Financial, Inc.

December 7, 2022

Webinar:

Help Women Navigate How To Buy Term Life Insurance

Women are an under-served population. Only 47% have life insurance compared to 58% of men. 

• Learn how to market to women using our Campaign in a Box.
• Learn about our underwriting super highway and how applying for term insurance with Legal & General America is as easy as 1, 2, 3

Join us to explore these opportunities with Legal & General and learn how they can help you grow your business.

Explore The Opportunities Indexed Universal Life Offers

Help client awareness of the living benefits that come with permanent life insurance with our new client piece.

Reminder: 2022 Life Insurance Year-End Guidelines: Individual Life, Executive Benefits and Lincoln MoneyGuard

To be guaranteed for placement before the close of business on December 30, 2022, all placement-restrictive requirements, including premium, must be received at Lincoln in-good-order by December 22, 2022. Continue reading.

Ease Your Client’s Worries with Living Promise

Living Promise Whole Life insurance is designed to help provide affordable protection that pays benefits directly to the person you choose to take care of your outstanding medical bills, unexpected expenses, or debt that you may leave behind. Learn more.

Flexibility is important in life, allow Signature Guaranteed UL to put your client in charge of their policy.

Signature GUL is an individual universal life insurance policy with a guaranteed death benefit feature. It provides a guaranteed death benefit to a specified age (between ages 95 and 121) chosen at issue and also offers a cash-out rider with three guaranteed periods that allow you to fully surrender your policy in exchange for a return of premiums paid. Learn more.

Accommodate your client’s specific needs with Signature Protection Indexed UL.

Signature Protection Indexed Universal Life Insurance is a life insurance policy that is specifically designed to provide guaranteed death benefit protection as well as growth potential based on the stock market. Learn more.

A Will Is One of The Most Important Documents You Will Execute in Your Lifetime

If you do not have a will, state law determines who gets what and it may not be in keeping with your wishes. Contrary to popular perception, the need for estate planning has neither been eliminated nor reduced. Review our five step approach to ensuring your client’s estate planning is set up to deliver the best results for their specific needs.

Consider the STEM Market for Future DI Sales Opportunities

The Science, Technology, Engineering and Math (STEM) occupations are often overlooked as a potential market for DI sales by many financial professionals. But take a look at what it has to offer with our new interactive brochure designed to enhance your conversations with clients, creating a more personal connection to the benefits of DI. Take a look.

Help Clients Protect Up to 65% of Their Income

If your clients have loved ones who rely on their ability to earn an income, they may want to rely on MassMutual for disability income insurance. Watch our video to learn more.

We Know the Holidays Are a Busy Time for Everyone and This Year Is No Exception

To better support you and your clients, we have established telephone hours and year-end processing deadlines. Review our 2022 holiday ours and deadlines. 

Webinar: Marketing Toolkit: Everything You Need at Your Fingertips

Are you looking for tools to help grow your life insurance business? Join us on Thursday, December 15 to review North American’s Marketing Toolkit and explore product specifications, key marketing materials, information about online e-app, accelerated underwriting and more.

Life insurance > Crowdfunding

Have you noticed an increase in crowdfunding on social media sites for funeral expenses? Life insurance can offer a guaranteed death benefit and is an important option to consider. Get access to a client-friendly blog and social post to share.

Two Ways to Term

Life insurance is designed to provide a death benefit, and it can help provide financial security in a variety of situations. Look at how the same product, ADDvantage Term, is used in two different scenarios:

• Case Study: Buy-sell agreement funded with life insurance
• Case Study: Mortgage protection

CoBrand OnDemand, Customize your Brand

Once approved through the system by Compliance, download a print-ready file at no cost.

Get to Know Corebridge Financial

While we have a new name, we're not a new business. Formerly AIG Life & Retirement, we are one of the largest and most established providers of retirement solutions and insurance products in the United States. We have a long and proven track record of partnering with financial professionals and institutions to give people the power to help reach their financial goals. Continue reading.

Take a Closer Look…unmatched value

Select-a-Term delivers a lot more:

• Agile Underwriting+ (AU+), our lab-free program: simple, fast, consistent
• 18 custom durations: 10, 15-30, and 35 year terms
• Rated Case Advantage
• Term Conversion options to full suite of products
• Unique UW scenarios that may benefit your clients

Learn more.

Moving Financial Futures Forward

Read our new Corebridge Financial Brochure.

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.

Principal Business Needs Assessment

This innovative, digital resource allows you to approach more business clients and prospects so they can uncover planning needs to help protect their financial well-being and prepare for the future. Use it today.

IUL Strategies to Help Meet Many of Your Clients’ Business Planning Needs

Life insurance can play an important role in business continuation, executive bonus, key person strategies, non-qualified executive benefits – and more. Check out our materials that will help you talk to business owners about the many ways indexed universal life insurance can help them address key business challenges.

Protector IUL: Help give your clients a higher level of flexible protection

Symetra Protector IUL continues to offer clients a straightforward indexed universal life product with transparent features and a simple story. And now with our enhancements, it’s even stronger.  Take a look at the stronger death benefit guarantees, more competitive premiums, lower policy charges, and attractive cash value accumulation potential. 

Symetra Surrender Value Enhancement (SVE) Rider stands out

If clients are looking for high early net cash surrender value with minimal effect on their policy’s long-term growth potential–Symetra’s Surrender Value Enhancement (SVE) Rider stands out. Available on Symetra’s indexed universal life insurance policies, the SVE Rider’s $500 charge is one-and-done. Learn more.

Reminder: Important year-end business deadlines

Mark your calendars with our year-end business processing deadlines.

Remove the ‘Analysis Paralysis’ from IULs

In a world where the simplest tasks have become complicated, let Protective show you how simple Indexed Choice Universal Life can be. In November, sales leaders at Protective presented at an event to highlight how straightforward this solution is. Catch the replay of Protective University.

An introduction to an IUL solution

If you have clients who are new to insurance, diving into indexed solutions can be overwhelming. Let Protective help you work with your clients to decide if it’s the right fit. Use our client approved flyer to give your clients an introduction to indexed universal life insurance.

Protection + Cash Value in an IUL

Protective’s Indexed Choice UL is designed to offer clients a combination of death benefit protection and the potential to grow and access cash value. Visit our site to see how our IUL solution provides your clients benefits in multiple ways…and be sure to check out our client approved video while your there.

Five Year-End “Must Do’s” for Clients

The year’s fourth quarter typically finds clients thinking of the joys of the holiday season … shopping for gifts, enjoying holiday feasts and celebrating with family and friends. However, don’t let clients get swept up in the joy and neglect several important tax and financial tasks –which must be done by Dec. 31. Learn More.

No Madness to This Method: Predictable Living Benefits

When difficult times arise, predictability matters. This is especially true when considering living benefit riders on life insurance. How does Columbus Life’s living benefits formula compare to competitors? Discover the clarity key to Columbus Life’s client-friendly ‘lien method.’

Save Time by Finding Forms

Did you know our most popular forms can be easily found on Columbus Life’s Extranet? While you can call the home office and request a form, these documents can also be quickly downloaded from the Forms Directory on the Extranet. Learn more.

Prudential innovates again: Now available: Prudential FlexGuard Life IVUL

FlexGuard Life indexed variable universal life (IVUL) – available as of November 14 – is an innovative, highly customizable life insurance product designed to meet the unique needs of individual clients. Learn more.

Share the power of life insurance with LGBTQ+ clients

Our new consumer brochure now lets you share life insurance with more clients while explaining how it can help provide a secure financial foundation despite a changing legislative environment. Our brochure includes important points for this audience, like the ability to name a partner as a beneficiary, and to use any cash accumulation to help grow a family, as well as how Prudential is an ally they can rely on. Download brochure.

Millions of Women Are Interested in Insurance

Check out our Women’s eBook and learn how you can expand your business into this marketplace.

Nationwide Tax-Efficient Planning Resource Guide

We’ve assembled a collection of resources to help make it easier for you to have conversations about the benefits of using life insurance in a tax-efficient strategy. Access our resources.

Nationwide Market Insights Podcast – Holiday Shopping Outlook

Bryan Jordan, Nationwide’s Deputy Chief Economist, shares his outlook on the holiday shopping season and how important holiday shopping is to the retail industry and if inflation could keep shoppers away this year. Listen now.

Ready to Finish the Year Strong?

We’re here to help with an all-new campaign in a box, designed exclusively for marketing to women – an underserved segment that needs your attention. Learn more.

Now available: New features to web quoting

We’re excited to announce the latest update to Web Quoting. The tool now has the capability for you to quote the best rate for a specified time frame or match a premium. See how it works.

In The Game of Life (Insurance) One Size Does Not Fit All

What do board games and life insurance have in common? Find out from LGA’s VP of Brokerage Distribution & Strategy, Farron Blanc.

Preliminary Funding Account

For policies issued on or after September 1, 2022, the guaranteed Preliminary Funding Account rate has increased from 1.5% to 3.5%. This results in more premiums paid and subsequently more cash value accumulation potential. Learn more.

The LIFE Podcast–New Organization, Same Excellence

Dawn Behnke, EVP and Head of Pacific Life’s New Consumer Markets Division, joins hosts Stephan Mitchell and Bill Bell to discuss why Pacific Life decided to integrate its Life Insurance and Retirement Solutions Divisions. What will this mean for our financial professionals? How will the integration shape product development in the future? Listen In to find out.

Pacific Life’s Online Health History Tool

Encouraging clients to use the AboutMe online health history tool could help improve overall speed to decision. It’s convenient, confidential, and contactless. Learn more AboutMe.

Streamlined Application Process

Our digital platform submission process provides several advantages for getting cases in and out as quickly as possible, especially with year-end approaching. Learn more.

Limited Time - Special Underwriting Program Lowers Rates and Increases Value

Couples discount expands to all Lincoln MoneyGuard products, regardless of marital status, until Dec. 30, 2022. See details.

New Life Insurance Application

We’re excited to let you know our new life insurance application (Part A, B, and C) and supplemental forms, as well as Part B for individual disability insurance, will be available for use effective October 1. Review our overview of application features and changes. Then, view our short video about online Part B completion.

Three recent enhancements include:

• Gestational diabetes: Pref Select available for ages 40 and older; Pref available for all ages
• Obstructive Sleep Apnea (OSA): Clients with OSA and treated hypertension can be considered for better than Std rates; Accepting self-reported mild sleep apnea through WriteFit Underwriting
• Build credits: Build credit eligibility is expanded to include ages 16-74 and can result in a full-rate class upgrade; Use of medication to control other risk factors doesn’t eliminate applicants from qualifying

Need Guidance APS Ordering and Reimbursements?

You've come to the right place. View our new Ordering and Reimbursement of Underwriting Requirements guide for help with APS orders on formal applications and exam/lab orders.

LTC Awareness

Several states are considering LTC legislation to account for the growing need and expense for long-term care. Many states are now looking for ways to reduce long-term care spending. Learn more.

Estate Planning Strategies for Unmarried Couples

What unique challenges do unmarried couples have in planning their estates? See how to turn these challenges into opportunities using life insurance with our client-approved brochure from Pacific Life.

LTC Rider Can Help Protect Clients' Future

Help clients understand why it’s so important to have a plan in place for their long-term care needs, whether it’s through a Long-Term Care insurance policy or our Long-Term Care rider on our IULs. Visit MutualofOmaha.com/ltc-rider for more information.

Listen to Our Recent LTC Claims Webinar

In case you missed it, take this opportunity to listen to Deborah Giroux, Director of Claims and Corri Campbell, LTC National Sales Director in our latest LTC webinar, topics included:

• What our Claims Department is currently experiencing
• Process improvements
• Mutual of Omaha claims statistics

Did you miss the LTC awareness month webinar? View them below:

• “How to Present a LTC Solution”
• "LTC/CI Planning for every life stage"
• “What you need to know”
• “SecureCare III’s Tax Advantages”

Tax-Free and Unchanging LTC Benefits

Consumers find stable premiums, tax-free and unchanging benefits to be highly appealing features in asset-based long-term care protection… They might be right. Read the full article.

Prepare for the year-end: Review key dates and holiday hours

We’re dedicated to helping you have a smooth and successful year-end. To ensure you’re prepared:

• Review our holiday hours
• New business processing guidelines for 2022 production
• and details about this year’s required minimum distribution waiver

Dig into Care Solutions

Learn the basics of our Care Solutions products with free training webinars every other Friday.

Show your clients the benefits of early income planning

When it comes to preparing for retirement income, planning ahead can have big benefits for your clients. Our two coordinating pieces can help you connect with clients and share those benefits, leading right into a discussion of income-focused annuities, such as IncomeShield. 

• Benefits of Early Income Planning ad slick
• Cost of Waiting flyer  

Do you sell annuities to trusts … businesses … charitable organizations?

Integrity can help with advanced cases involving ownership by entities. Check out our Entity Owner Guide.

Share our quick article with your clients about Fixed Indexed Annuities and how they can benefit a financial portfolio.  View our client-approved article.

What Interest Rate Will an Annuity Policy Receive?

There are different situations that will determine the interest rate, participation rate and/or cap a single premium policy will receive. Learn more.

Don't Miss Out - Annuity Rates Have Been Climbing

Assist your clients with taking advantage of some of the best - and most competitive - income and accumulation solutions in the marketplace. Learn more.

Will Your Retirement Money Last as Long as You Do?

Help take away the fear your clients may have about running out of money during #Retirement. Share these strategies to help them plan for the retirement of their dreams.

Encouraging financial literacy to build client confidence

How comfortable are your clients with their #Financial literacy? Discover how to help boost their financial confidence and prepare for the #Retirement they imagine.

Conversation clues that lead to more annuity opportunities

Check out key client phrases that can signal the opportunity to present #Annuities as a solution for their #Retirement planning goals.

Show Your Clients The Full Impact Of Inflation

With all the media coverage concerning inflation, now may be a great time to connect with clients about their retirement plans. Consider sharing these articles to get current, and prospective clients talking about possible strategies to help them manage today’s unique risks.

• Everything Costs More: Rising inflation is causing some workers to postpone, and even come out of, retirement.
• Cut Your Retirement Spending Now: According to the creator of the 4% rule, high inflation and market valuations may require revision to this rule of thumb.

Review each carrier's year-end guidelines by clicking the name of the carrier: