The latest in Life Insurance and related client solutions.
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3 Mark Financial, Inc.
January 11, 2023
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Volatility control indexes: What makes Allianz stand out and how to analyze
Watch our webinar replay. We dove into how you can leverage volatility control indexes with the current marketplace continuing to show volatility. The webinar covered:
- Intro to volatility control indexes and the marketplace
- What makes Allianz volatility control indexes distinctive
- How to review volatility control indexes
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Help Jumpstart Your Sales in The New Year
A lot can change over the course of a year, including your client’s life insurance needs. If you want to jumpstart your sales in 2023, consider conducting a client review. Re-evaluating your client’s needs can help ensure they have the proper coverage in place, while opening the door to potentially new revenue.
Training Video Series: Builder Plus IUL 3
Take advantage of North American’s training series and view common illustrations for Builder Plus IUL 3.
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Upcoming Event. January 24th at 2pm: Accelerate sales with our new solution
Join us Tuesday, January 24, 2023, at 2 p.m. as we officially kick off Lincoln WealthAccelerate IUL. It’s the perfect way to start a new year with our new product, a new process and new opportunities. Hear from Lincoln leaders to learn more about offering clients an accelerated purchase experience and streamlined product.
New Year. New Tax rates
Get ready for discussions to help your clients keep more of what they’ve earned. Show them how to diversify their retirement portfolio with this client-friendly brochure and help them prepare with our worksheet.
Weekly Market Dashboard
Check out our client-friendly market dashboard. Provide an up-to-date weekly snapshot of market conditions when you download the client-approved one-pager.
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A Powerful Solution…
…with fast and efficient processing. Learn more.
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State Mandated Retirement Plans and the Opportunity They Create for You
Transform a burden into a benefit for small business owners by helping them find a more advantageous alternative solution. Learn more.
Start 2023 Strong - Register for Upcoming Training Sessions
Sign up for January's Certified Training Opportunities.
2023 Tax Reference Guide is Now Available
Valuable information for you and your clients in the new year. View the Tax Guide.
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Protection for Life with Life Protection Advantage IUL
Our Life Protection Advantage IUL not only has competitive premiums, but it’s also built to provide your clients with death benefit protection they can depend on. Read our product guide for full product information.
IUL Express vs. Term Life Express
Take a look at our side-by-side comparison flyer of our IUL Express and Term Life Express products to determine what best fits your client’s needs.
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Offer your client’s balanced coverage with Signature Protection Indexed UL
The perfect fit for risk-averse consumers. For those who want cost efficient guaranteed death benefit protection with accumulation potential that’s protected from loss. Learn more.
Help your client’s learn more about Estate Planning using Signature Whole Life
Creating a clear estate plan with two main objectives in mind can minimize the risk of assets being taxed after death as well as take care of estate expenses that can quickly stack up. Learn more.
Ensuring that your clients are saving enough for their desired lifestyle in retirement can be difficult, especially with unexpected inflation.
Help your clients defend their savings against fears of high inflation with a Palladium Single Premium Immediate Annuity (SPIA) and a Cost Of Living Adjustment (COLA). Learn more.
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What Goes Up and Never Comes Down?
One asset that will never decrease in value due to market conditions is MassMutual Whole Life insurance. It’s a dependable solution that can help clients be better prepared for future economic downturns. Watch our new video to learn more.
Everything You Want to Know About Apex VUL in One Place
Learn more about MassMutual’s Apex Variable Universal Life in our new digital playbook which provides you with information on the appropriate target prospects, the key benefits and features, a case study, and links to all our Apex VUL marketing materials.
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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.
Benefit restoration
Check out the latest business insights from Mark West on this topic.
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New Year, New Hours
Effective January 16, our Case Management team will be adjusting their operating hours for 2023. This new schedule will provide more availability for our William Penn and Horizon business and give us more time to assist you. View our new hours.
Don’t Miss Out
Next week will feature the last encore airing of NAILBA 41 M&A and IMO panel discussions. If you missed the previous airing, make sure to tune in on January 11th and catch LGA’s own CEO Mark Holweger moderating a discussion on the future of distribution.
Policy Review: Make Sure Your Clients’ Life Insurance Is Still Working for Them
With the start of a new year and new resolutions, now would be the perfect time to ensure your client's coverage is up to date with their lifestyle. Check out the article from INN to see what’re the best ways to do so. Read more.
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Introducing a new Protection VUL for the new year
For clients seeking guaranteed death benefit protection that is cost-effective, customizable, and includes access to robust living benefits, check our new Protection VUL.
2023 Dividend Rate Announcement
For 2023 our dividend interest crediting rate and also our dividend mortality scales are expected to remain the same for all John Hancock Life Insurance and Variable Life Insurance policies.
Long-Term Awareness
Over 80% of Adults prefer to stay at home as long as they can, so it is important to make sure clients have the right plan in place to help meet their future needs of theirs. Check out our LTC rider resources.
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Protector IUL: Give clients a higher level of flexible protection
Symetra Protector IUL offers clients a straightforward IUL product with transparent features and a simple story. And now with these 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.
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Indexed Choice UL – an IUL that delivers what’s expected
Feel confident recommending our IUL because it’s built to perform just as your clients expect. With a guaranteed death benefit, realistic cash value, a simple and flexible design, and the riders like ExtendCare, Protective's IUL offers protection and flexibility. Learn more.
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
Fund Performance Matters – Strategic Objectives II VUL
Offer clients maximum accumulation potential with Protective’s VUL. Unhindered by a guarantee, and fueled by an excellent fund story, Protective’s VUL can be the tool that helps your clients reach their financial goals.
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Boost Financial Know-How
As you help your clients meet their financial objectives, check out Columbus Life’s educational resources to help them understand the various options available.
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Updated Performance Insights are now available
The Performance Insight pieces have been updated with information for 3rd Quarter 2022. Click on the links below to view the latest brochures.
Don’t be the last to use LifeInsight
LifeInsight is our patented, interactive policy management tool that simplifies monitoring policy goals, assumptions, and performance. It is a vital resource to support your policy management needs. Check out our digital experience.
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Securian Term Conversion Opportunities
Learn more about the options for Advantage Elite Select Term clients to convert single-life term policies into most of our permanent life products, including survivorship products. Learn more.
Special Needs Require Special Strategies
Help your clients navigate the details in planning for their children with special needs. Take a look at our brochure which includes a five-step action plan to help them get started today.
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New from Nationwide – 15% Enhanced Target Premiums
Starting January 9th, you can receive 15% Enhanced Target Premiums on over-funded cases in select Nationwide accumulation IUL and VUL products. Get the full details.
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January Is a Great Time for Policy Review
Life changes fast. Have your clients’ policies kept up? Start the year right by conducting policy reviews efficiently. Access our time-Saving Tools.
PL Promise Products At-A-Glance
Matching opportunity with death benefit protection needs. Explore our PL Promise products.
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New Financial Underwriting Guidelines
Check out our updated financial underwriting guidelines.
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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. Watch our video.
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Symetra Underwriting Programs
Symetra has a variety of attractive and inclusive underwriting programs designed to make it easy for you to do business with us and for your clients to get the insurance they need. Take a look.
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Agile Underwriting + (AU+)
Fast decision for fast–paced lives. Get the details.
Is Your Client Eligible for AU+?
Review our checklist to help set appropriate client expectations if full underwriting may be required.
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We’re making it easier for you to grow your business
See how easy life can be with Prudential’s eCapabilities.
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Nationwide Life Underwriting – Helping you Place the Case
We have real examples of how we use the full range of tools and services available to make it faster and easier to get the competitive decisions you need to place your cases. Read the stories.
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How Can Business Owners Guard Against Their Best Talent Getting "Poached"?
It’s a fact: Business Owners can use after-tax corporate funds to offer an attractive insurance benefit to their key people, including themselves. Check out the power of MassMutual’s NEW Whole Life 10 Pay in our corporate split-dollar loan sales strategy.
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The EPIC Approach
EPIC is your guide to estate planning topics. Estate planning is not a static last will and testament thrown in a drawer and forgotten. It is a plan that begins with carefully thought-out answers to questions that lay the groundwork for a tailored roadmap designed by the client and guided by you and their legal team. Check out the link for agent tools and resources.
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Protecting a Business Against the Sudden Death of a Key Executive
The death of a key executive can have a crippling financial impact on a small business. Download our guide to take a deep dive into the benefits and planning considerations of a key person life insurance strategy.
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Split-Dollar Life Insurance
North American recently released materials for a new sales concept – split-dollar life insurance. Download our new consumer brochure to learn about the benefits this type of sale can offer for both an employer and employee and how it works.
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Symetra’s High-Net-Worth Foreign National Program
At Symetra we’re committed to making moves that keep up with your foreign national clients’ needs. Our high-net-worth foreign national program can help you work with these clients no matter if you are a beginner or an expert. Look at Symetra HNWFN and ask how we can help.
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Discover Our Advantage Fixed Indexed Annuity (FIA)
Could a fixed-indexed annuity help your clients in planning for retirement? Columbus Life’s Fixed Indexed Annuity Advantage can help provide growth potential, protection, and safety. Watch our video.
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Share our quick article with your clients about Fixed Indexed Annuities and how they can benefit a financial portfolio. View our client-approved article.
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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.
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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.
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Overcoming Objections to Find Opportunities
Every #Financial professional faces objections. Try these approaches to help turn 8 common client objections into #Sales opportunities for a strong finish to the year.
Are Your Clients’ Finances Ready For A Longer Life?
No one knows exactly how long their #Retirement will last. Help your clients understand how important it is to be financially prepared and talk to them about how #Annuities can help them enjoy a more secure retirement no matter how long they live.
A More Confident Retirement
With the challenges today’s retirees are facing, building a sustainable retirement income plan is more important than ever. Athene and Wall Street Journal Custom Content explore how a fixed index annuity can help clients be better prepared for life’s uncertainties. Continue reading,
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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.
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