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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 3rd 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 Don Friedeck.
Join us for an Webinar June 24 at 3:00 pm Central with Protective Life.
During this webinar we will discuss how to market to baby boomers. Our presentation will cover the top 3 concerns of baby boomers.
- Having enough money for retirement including how to talk to your clients about Social Security
- Excessive long term care costs and way chronic illness coverage is important
- Their Grandchildren and how to favor them with Protective's Income Provider Option
eDelivery and Electronic Signatures two tools to reduce your costs and speed your the delivery of your commissions.
Did you know that you can now deliver your Carrier Documents electronically? 3 Mark Financial is proud to offer you electronic delivery of your life policies to you or your clients.
The following carriers currently offer this option:
- American General
- Genworth
- Legal & General America
- Lincoln Financial
- Protective
Reasons why you should be using eDelivery:
• Cycle Time Reductions. Paper based policy delivery typically takes 25+ days from the time it leaves the carrier’s door until it’s signed and returned. eDelivery dramatically reduces this time from days to minutes. Ultimately you get paid fast with eDelivery.
• Cost Savings. It costs most producers around $35.00 to mail a document and more than $200.00 to hand deliver one. You can now deliver your documents electronically for only the cost of a couple of minutes of your time.
• Increase Placement Ratios. When it comes to placement ratios we know time is not on your side. In fact, studies show that you will lose 1% of your business every 24 hours after the 32nd day of the insured signing the application. By reducing cycle times, you will automatically increase placement ratios.
If you have questions or want to join the increasing number of producers using eDelivery contact Carolyn Rawlins at 281-269-2326 or Carolyn.Rawlins@3Mark.com.
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Prudential
You’re About to Become More Competitive
One June 15, compelling enhancements were made to the cost of the PruLife Founders Plus UL No-Lapse Guarantee (NLG). For the same premium payment on a current assumption basis, the client will get a much longer no-lapse guarantee, with improvements at generally all ages, underwriting categories and funding scenarios. Learn More
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Protective
Submit It and Forget It
With Protective Life’s TeleLife, you can submit it and forget it! Your agent submits an application - paper or online. Protective completes the interview, schedules the paramedical exam, orders records and all the rest. You and your agents can check the status online or through email notifications - it’s your choice.
View Brochure
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AIG
AIG Overhauls Underwriting
AIG is making substantial changes to give you and your customers a better underwriting experience and better offers - in less time. Enhancements include a reduced need for tax transcripts, inspection reports, an expanded Standard rate class, and enhanced underwriting processes. Learn more
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Accordia Life
Advanced Markets page has a new look click here to view.
Symetra
Take Action with Trust-Owned Life Insurance Reviews
You may have clients with trust-owned life insurance policies that are out of date. With ongoing economic, personal and industry changes, it might be time to sit down with our clients and make sure their needs are being met. Learn More
Mutual of Omaha
Protect Your Clients’ Life Insurance Needs Now
This great new flyer highlights no-cost, add-on riders that offer your clients flexibility to help account for life’s changes. Learn More
Nationwide
Offer Significant Advantages for Business Clients
Funding a buy/sell arrangement with a universal life policy can be a valuable strategy for business succession planning. Learn More
Lincoln Financial
Meet the New Indexed UL!
Designed for clients with a conservative market outlook who want to balance growth potential with guaranteed features, Lincoln WealthAdvantage Indexed UL is a flexible solution for a wide range of clients needs that can help your clients plan for the future they want. Learn More
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SBLI
SBLI recently released a micosite. It can be reached from the SBLI Carrier page on the 3 Mark website or by clicking here.
Allianz
Help Supplement a College Funding Strategy with Survivorship Life
This new consumer-approved flyer shares the benefits of a survivorship life insurance policy, including how it provides a death benefit to help meet your clients’ life insurance needs, and how it may also be used to help supplement a college funding strategy. Learn more
John Hancock
A New Kind of Life Insurance
At John Hancock, they think life insurance should reward you for living. That’s why they are introducing a new approach to life insurance that helps you secure your financial future and pursue a longer, healthier life. The healthier your lifestyle, the more you can save - and the greater your potential rewards. Learn More
AXA
Introducing BrightLife Protect Survivorship
Survivorship indexed universal life insurance can be a smart addition to many financial plans for couples who want more ways to protect their legacy, reduce their taxes and potentially grow their money over time with downside protection. Learn More
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Athene
Performance Elite High-performance 10 and 15-year fixed indexed annuities built for accumulation. Microsite
Nationwide
The new Nationwide YourLife CareMatters enhancements now deliver a greater benefit pool. If you've been looking for more value for clients seeking LTC coverage, our cash indemnity design provides maximum flexibility for advisors' clients. Learn more
GreatAmerican
What could a 50% participation rate mean for your clients? With the American Custom 10 fixed-indexed annuity, you can offer your clients an uncapped indexed strategy with 50% participation rate. Click here for details
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Legal & General America
Read the new Underwriting Dialogue piece on Athletic Heart. click here
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 secret word is eDelivery. 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
Studies have proven that people who live a healthy lifestyle and who are generally fit, live longer-even if they have minor health issues. The Symetra Good Life Rewards program is designed to reward those clients.
Good Life Rewards
Good Life Rewards FAQ
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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 has 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
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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.
Forethought
Fixed Annuity Authorization HIPAA Authorization Update View here
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MetLife
As of May 15, MetLife will offer term conversions only in combination with the purchase of a new permanent life insurance product currently available with MetLife. Learn more
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
Assurity
Washington Senate Bill 5743 on Rebating and Inducement rules
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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.
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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.
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