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06/10/2015

3 Mark Financial, Inc.

Watch for the secret word in each of the June 2015 editions of In The Loop

To celebrate the launch of the new look of our newsletter we will be including a secret word in each of the June 2015 editions of In The Loop. Be the 5th person to email Bruce Alfredson bruce.alfredson@3mark.com the correct secret word in this edition and receive a $100.00 Amazon Gift Card. Last week's winner was Mark Maurer.

Join us for an informative Webinar later today at 3:00 pm Central with MetLife.

During this webinar we will discuss how to generate permanent life insurance sales with business owners. At any given time 40% of U.S. business owners face a transfer of ownership issue. 47% of middle-market business owners 55 years and older are interested in selling their business within 3 years yet 90% of owners have not initiated the planning process. The secret word is Fitbit. Learn how you can help the business owner and generate permanent life sales for yourself.

ExamOne

ExamOne announces a Loyalty Program. You get free leads for ordering Online. Learn More

Increase your applicant's health awareness through online lab results Learn More

June is National Annuity Awareness Month

It's the perfect time to shine the spotlight on the products that can help Americans solve the problem of running out of money in retirement.

Prudential

Strategies to Maximize Social Security Benefits

Life insurance is often left out of the retirement planning process - it shouldn’t be. Prudential’s new white paper highlights strategies to help your clients maximize their Social Security income. Share this paper and video with your clients to open this important conversation. Learn more

John Hancock

Vitality Frequently Asked Questions

See the most commonly asked questions and answers pertaining to John Hancock’s latest product innovations, Protection UL with Vitality and John Hancock Term with Vitality.

Protection UL with Vitality

John Hancock Term with Vitality

Mutual of Omaha

Using the Guaranteed Refund Option for Business Needs

Life insurance can be an important planning tool for business owners. The Guaranteed Refund Option rider, available at no additional cost on qualifying Guaranteed Universal Life and GUL Plus policies, provides flexible options for business owners who are planning for the future of their company. Learn more.

Allianz

The Power of Annual Reset

Fixed index universal life insurance provides an income-tax free death benefit for beneficiaries, and also offers the potential for cash value accumulation. Show you clients how an FIUL insurance policy’s cash value can be protected by the Power of Annual Reset. Learn more

Symetra

A few reminders and updates on key announcements and areas of success with Symetra.

Symetra increased Auto-Bind Limits, effective May 1. Assuming the case is under the jumbo limit of $65 million, Symetra can approve up to $35 million for insureds age 80 and younger without going to reinsurers. The auto-bind limit is $15 million for ages 81-85. Click the following link for Current Underwriting Guidelines.

Symetra’s individual and survivorship GUL products are very competitive for most funding scenarios, including large single premium and 1035 exchange cases, and especially for large death benefit single-life GUL sales.

Premier Pricing Flyer

$1 Million Single Premium Examples

Protective

Protective has a micro website with a wealth of information on Social Security. Included on the site you will find seminar materials, educational materials and calculators. Click here to go to the site.

Protective Products Perform

Are you looking for creative solutions that can offer to your clients? See how Protective Regional Vice President Dan Hudgens offered a customized solution using the Custom Choice UL product in a recent buy-sell case. Learn More

Nationwide

Nationwide, carefully manages its product portfolio to keep it competitive. Take a look at how their NLG-UL pricing stacks up - even with the April 2015 reprice.

Axa

Updated AXA Long-Term Care Services Rider FAQ

To provide you with information that will help you train, promote and sell their Long-Term Care Services rider, AXA has updated and released an update FAQ flyer. Learn more

AccordiaLife

Enhanced Loan Comparison Report

One of the key benefits of Accordia Life’s products is your client’s access to their accumulated cash value when they need it most. Demonstrating a variety of loan interest scenarios can help you show your client what they might experience if they access their policy’s cash value in the future. Accordia’s new Variable Loan Interest Rate Comparison Report shows up to 4 different scenarios in a single view. Learn more

Cost-Effective Approach to Chronic Illness Protection

For clients looking for a cost effective life insurance policy with a chronic illness benefit, the Value+ IUL can offer lower premiums than GUL for the same chronic illness protection.Learn more.

American General

Have You Heard About the ML Strategic Balanced IndexTM?

If not, then find out more at the link below. Available in two index interest crediting methods within the Power Series of Index Annuities and currently exclusive to AGL, the new index offers the potential for stable and attractive crediting through varying market and interest rate environments. Learn more

Athene

Athene at a glance for consumers

Genworth

Agent guidelines for Multiple-State Sales for Annuity Products Read More

Total Living Coverage to Launch in Connecticut and Florida Read More

OneAmerica

Click here to read Asset-Based Long-Term Care Products: A Valuable and Often Overlooked Retirement Tool.

Rates

W & S Financial Group

Minnesota Life

Get a Competitive Decision…The First Time

You spoke. Minnesota Life listened. You want to get you clients the protection they need as fast and as easy as possible. And with your feedback, they’ve made significant improvements to your underwriting experience. Learn more

MetLife

Revised Build Charts for Standard and Substandard Classifications

MetLife has revised their height and weight charts for the standard and substandard classifications. The current update allows many clients who may have been mildly rated for build to now be eligible for standard rates. Learn more

Legal & General America

Announces new underwriting guidelines Click here to read the announcement

Symetra

Updated Reinsurance and Retention Limits for Classic UL and SUL-G

Update retention and automatic limits are now available for Symetra’s Classic UL and SUL-G products. With these new limits, Symetra can provide even more underwriting flexibility and competitive positioning in the universal life space. Learn more

Accordia Life

Foreign National Underwriting Program Highlights

Have you heard about Accordia Life Credits?

Introducing Accordia Life Credits, a new approach to underwriting at Accordia.

Principal

Announces New Preferred Underwriting Guidelines Click here to read the announcement

Nationwide

Transition Guidelines For Nationwide YourLife® IUL Accumulator and Protector. Learn more

Mutual of Omaha

Term Life Express Enhancements Now Available

Term Life Express now has a number of enhancements, including the removal of the oral fluid requirement across all face amounts. Learn more

John Hancock

Updated APS Guidelines

John Hancock as reduced the need for an Attending Physician Statement in several scenarios. Below are details and tips on how to check whether an APS is needed, as well as an updated flyer with complete APS guidelines.

Details and Tips

Complete APS Guidelines

Genworth

"Important Update!! Thank you for your business! We are busy working on your submitted applications and will be temporarily suspending our Quick Quote service on Term Quick Quotes. We will still respond as quickly as possible to your IUL Quick Quotes. For streamlined service, please put IUL in the subject line for all IUL Quick quotes. We appreciate your partnership as we focus on your applications and maintain our service promises to you!! "

Lincoln Benefit Life

Special Announcement

LBL Ultra Plus UL Closing to Term Conversions

Effective June 28, Lincoln Benefit’s Ultra Plus will no longer be available for term conversions. Conversions utilizing that product must be dated on or before June 28 and received by July 10. After June 28, product choices for conversions will be limited to the Ultra Index UL, Total Accumulator VUL and Whole Life II.

Assurity

Washington Senate Bill 5743 on Rebating and Inducement rules

Assurity

The Virginia Bureau of Insurance has compiled the rules and regulations related to adverse underwriting decisions (AUD) into a new administration letter (Administrative Letter 2015-07) and requires insurers doing business in Virginia to inform their producers of these rules. Administrative Letter 2015-07 can be accessed here: https://www.scc.virginia.gov/boi/adminlets/15-07.pdf.

If you have questions regarding this compliance update, please contact the Virginia Bureau of Insurance.

Life and Health Division: (804) 371-9813, email: Ann.Colley@scc.virginia.gov

AIG

AIG Cares - GUL Customers Offered Option to Extend Coverage at No Additional Cost! Learn more

Transamerica

Effective June 8, the Life & Protection Division of Transamerica will begin mailing the following notice to producers who are on record as having sold one or more of a block of selected inforce universal life policies. The notice will include a
sample of the policy-owner letter, which is available via the link in the attached announcement. Read More

American National

iPad Air 2 Contest - Qualify with as few as 9 life sales through iGO eapplictions from iPipeline. Click here to learn more. Contest runs 5/1/15 to 8/31/15.

Athene

Leaders of Olympus - Three programs with rewards Click here to learn more, including the Aruba trip.

ExamOne

ExamOne wants to help you grow your business with an opportunity to receive free life insurance leads. Chick here to read the details.