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Join us July 22 at 3:00 pm central for a webinar with your 3 Mark staff on Living Benefit and Long-Term Care Riders.
One of the newest and most welcome addition to today's insurance contracts are accelerated benefit or living benefits riders. Join Bruce Alfredson and Sean Kramer as they discuss why consumers are anxious to learn more about living benefits for permanent or term life insurance policies.
During this presentation we will discuss:
- Why agents and consumers are choosing to include living benefit riders on their life contracts.
- Long-Term Care & Chronic Illness Riders
- Reimbursement vs. Indemnity
- How to qualify for benefits
- How benefits are determined
3 Mark Financial Announces A New Carrier
Start growing your sales today with North American
We are pleased to announce that we have joined North American Company's Partner Program. In addition to North American's competitive product portfolio (including term, universal and indexed universal life insurance), the Partner Program offers a wealth of resources to help grow your sales. Start taking advantage of these key features:
North American understands our business goals and is committed to helping our agents grow their businesses. In addition to outstanding support, North American provides training tools, workshops, webinars and marketing materials.
Join us in celebrating this partnership with North American!
Stay tuned for more!
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Secret Word
Watch for the secret word to appear in future editions of In The Loop
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Protective
Protection Plus Potential
Your clients want and deserve guaranteed protection, customizable coverage plus the potential for cash value. This Choice Series solution can give your clients everything they want with a variety of features. Learn More
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Nationwide
Valuable Insights on Retirement Health Care Costs
This special recorded webinar features health care and aging expert Mark Miller and covers important information for helping clients plan for these costs, including:
- What Medicare covers — and what it doesn't
- What health care costs clients can expect to pay out of pocket in retirement
- How to help clients get a personalized estimate of their retirement health care costs
Watch Now
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AXA
Long-Term Care Services Rider vs. Chronic/Critical Illness Riders
There are several ways to fund long-term care needs. One method is to elect an acceleration of life insurance death benefit rider with a life insurance policy, of which there are generally three types, all with essential differences. Learn More
AIG
Even Lower term Rates
Help your clients choose their term life insurance wisely with Optionality. AG Select-a-Term has new, lower, market-leading prices, 17 tactical term periods and lower rated-case pricing. Learn More
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John Hancock
A Modern Approach to Policy Management
This video features LifeTrack, John Hancock's new, industry-first, free policy management solution that helps ensure your clients' policies stay on track to meet their insurance goals. Watch video
Allianz
How Long will Clients’ Retirement Money Last?
Once your clients begin drawing retirement assets for income, market volatility can have a big impact on how long those assets last. One factor in how big an impact is their sequence of returns. Client video.
Life is a Journey
Guide your clients through he benefits of FIUL insurance with this consumer-approved video, Life’s a Journey. Use it as a tool to explain the benefits of a policy, including protection for policyholders and their beneficiaries with an income-tax free death benefit. Learn more.
Mutual of Omaha
The Living Benefits of GUL
Help your clients take advantage of multiple living benefits with Guaranteed Universal Life and Guaranteed Universal Life Plus. Learn More
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Minnesota Life
Exit and Transition Terminology and Concepts
Every business owner will eventually transition out of his or her business. The primary challenge facing a business owner exiting a business is: "How will I turn my goodwill and hard work into cash at retirement?" A comprehensive exit and transition strategy makes it more likely that the business owner will receive value for the business. Learn More
North American Company
Need a way to MAXIMIZE your Sales?
By using life insurance to maximize annuity funds, you can help provide your clients with the most value for their annuity funds, without the limitations of income or estate taxes. Watch this video to learn more.
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
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ASSET TRANSFER TIPS For all annuity carriers
Transferring assets, or exchanging money via section 1035 of the tax code, may have tax consequences. Any questions regarding taxation should be referred to a qualified tax professional.
1. Call the Financial Institution/Insurance Company to see what they require to transfer the money e. g. some financial institutions, like Fidelity, require a call from the client to release money, others like Northwestern Mutual require their own surrender form to accompany the 1035/transfer form from the company receiving the money.
2. Attach a copy of a current policy/ account statement for the funds being transferred to the 1035/transfer document.
3. Complete the 1035/transfer form carefully and completely. Be sure all necessary signatures are obtained.
4. Send original transfer forms with the application to 3 Mark for processing.
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Prudential
Underwriting Improvement for Older Ages
Continuous improvements to underwriting and the latest medical research are resulting in liberalized ranges for Prostate Specific Antigen (PSA) values for older ages. More of your clients who have had PSA values outside the traditional range may now be eligible to qualify for coverage. Learn More
MetLife
Medical Underwriting at Work for You
At MetLife, Kidney Cancer, Sleep Apnea and Hepatitis C don’t necessarily preclude someone from obtaining a Preferred offer. Read these case studies and learn key questions to ask clients who’ve had these conditions. Learn more.
New Underwriting Alert: Better Offers for Clients with Barrett’s Esophagus
Revised Medical Underwriting Guidelines for Barrett's Esophagus Could Result in More Favorable Offers. Learn more
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Protective
Updated Guidelines for Foreign Travel and Nationals
Protective Life Insurance Company is pleased to announce two enhancements to their underwriting guidelines for foreign travel and foreign nationals that they believe will streamline the risk selection process and provide a more competitive approach for many cases. Learn More
Accordia
Have you heard about Accordia Life Credits, a new approach to underwriting at Accordia?
Mutual of Omaha
FIT Your Clients into Lower Rates
Get the best rates for your clients with the FIT credit program, which can improve your clients rating by up to two tables. Learn More
Symetra
External Term Conversion Program. Click for Details.
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MetLife
Introducing MetLife¹s Most Innovative Product
MetLife¹s research indicates there are two times as many surrenders and exchanges with clients¹ life insurance policies than death benefits paid out. This means that clients can change their minds. A lot. And their needs demand a product with the flexibility to change with them. Launching June 1, learn more about MetLife Premier Accumulator Plus, which will be available with MetLife Enhanced Rate Plus. Learn More
Allianz
Illustrating Sales Concepts Helps Tell More Compelling Story
Allianz has added various illustration sales concepts tot he life insurance illustration software for the Allianz Life Pro+ Survivor FIUL, including executive bonus plans, buy-sell agreements, and more. Learn More
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Mutual of Omaha
New 10-Year Term Now Available for Term Life Express
A new 10-year term has been added to the Term Life Express portfolio, offering your clients another option for their term life insurance needs. Learn More
AccordiaLife
New Solve for Lifetime Foundation IUL
Since Lifetime Foundation Launched in March many of you have expressed a desire for increased flexibility when illustrating in competitive scenarios. Effective July 1, a new solve function is available that will provide increased functionality and allow you to more easily compare it to life expectancy products. Learn More
Legal & General America
Cost of insurance increase will apply to select inforce universal life plans. Read More
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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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