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Join us later today 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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North American
Why North American’s Indexed Universal Life Insurance (IUL)?
Explore our IUL portfolio and learn about the great features available! Watch Now
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North American
Lower Rates for Business Solutions with ADDvantage Term
Whether you have a clients who’s recently married, a new homeowner, just starting a family or a business owner seeking a buy-sell arrangement, consider North American’s Advantage Term as a simple and economical solution. Learn more.
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Mutual of Omaha
Provide Business Owners Flexible Planning Options
The Guaranteed Refund Option rider provides flexible options for business owners planning for the future of their company. Learn more.
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North American
North American Annuity Update
Get the latest news on North American annuities, including an update the guaranteed minimum and maximum rates, and a new piece in the Competitive Advantage series. Learn more.
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John Hancock
Prospecting Tools For John Hancock Vitality Program
Use these prospecting tools to uncover new opportunities and place more business.
Prospecting Brochure
Prospecting Letter
Prospecting Email
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North American
Watch and Learn How To Conduct a Client Review
Watch this video now and quickly learn a powerful way to help build your skills, gain insightful tips, and put a life insurance client review practice in place today. Learn more.
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MetLife
Why Your Clients Need to Meet Paul
Clients are 2x as likely to surrender or exchange their life insurance policies than have the death benefit paid out. That's why you need a product that offers the high, early cash value they need. The new MetLife Premier Accumulator Universal Life (PAUL) provides high early cash values' and 1% of typical universal life surrender charges that can give clients faster access to their money than traditional life insurance products. Learn More
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Nationwide
No-Lapse Guarantee UL Still Very Competitive
The persistently low interest rate environment has taken a toll on many guaranteed UL products, but Nationwide remains competitive, even after a recent reprice. Learn more.
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AXA
AXA Term Conversions
AXA's term conversion provision offers clients the ability to convert their AXA Equitable term policies into new permanent cash value policies. Learn more about the benefits
Estate Planning for Same Sex Couples after Supreme Court Ruling
On June 26, 2015 the United States Supreme Court issued its opinion in Obergefell v. Hodges, the name assigned to a series of consolidated cases on same-sex marriage rights. The Court ruled 5-4 in favor of the petitioners, holding that same-sex married couples are entitled to equal protection under the laws and that their marriages must be recognized nationwide. Learn more.
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Legal & General
Ladder coverage with term riders - Watch the video
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Allianz
Help Build Your Business with this Kit
Fixed index universal life insurance is one of the fastest-growing segments in today’s life insurance marketplace. This newly updated Success with FIUL kit can help you prospect for new clients and help educate existing clients about the benefits and advantages of FIUL. Learn More
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Minnesota Life
A Simple Way to Educate Your Clients
As a financial professional, you understand the importance of permanent life insurance, but how do you share that with your clients? This video offers an easy way to share the benefits of permanent life insurance. Learn more.
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Symetra
Legacy Planning for Multiple Generations Using Dynasty Trusts
Life insurance can be a highly effective vehicle for asset protection and for increasing the wealth that passes to beneficiaries. But with a life insurance policy structured in a dynasty trust, your clients’ assets can work even harder for their beneficiaries. Learn more.
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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.
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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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3 Mark Financial's Annuity Hot List
Click here for the latest version
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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
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AXA
To simplify, organize and streamline your next AXA life application submission please consider using the new fillable PDF checklist.
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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
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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
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.
Transamerica
Click here to learn more about the Transamerica Insurables-LearnEarn Campaign
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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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