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Webinar With North American Today August 12 at 3:00 pm Central
Jessica Lovell-Opdahl, Sales Development Specialist at North American, will be discussing the company history, product portfolio including living benefits as well as sales concepts and tools available to you.
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Secret Word
Watch for the secret word to appear in future editions of In The Loop.
Be the 4th person to email Bruce Alfredson bruce.alfredson@3mark.com with the correct secret word and receive a $100.00 Amazon gift card.
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Prudential
Wealthy and Wise Has a New Look
Prudential's most used wealth transfer planning software, Wealth and Wise, has been freshened up, making it easier for you to show clients the value and affordability of life insurance. Call our Advanced Marketing team for a personalized presentation. View sample output.
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Minnesota Life
EPIC:
With fewer estate holders subject to estate taxes some people think estate planning is a thing of the past but tax law changes have brought new opportunities for your clients.
Watch the EPIC video
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Symetra
Symetra is introducing new individual GUL and Current Assumptions products to replace Classic. UL-G is the GUL version and CAUL is the Current Assumption version. A new Chronic Illness rider called Chronic Illness Plus has been added. Details are listed below.
Chronic Illness Plus Rider Fact Sheet
Chronic Illness Rider Comparison
Symetra UL-G competitive analysis with Chronic Illness Plus Rider
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Minnesota Life
The Advantages of Buying LTCi Early
Why should people consider buying LTCi in their 40s and 50s? Not only is premium more affordable, it also can help ensure people are able to qualify for coverage. According to Eva Ng, who bought a policy at age 53, her agent repeatedly told her, "You'd rather be 10 years too early than five minutes too late." Watch a short video from the non-profit organization, Life Happens, to hear Eva and others talking about the advantages of buying early. Watch video.
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Nationwide
Making it Easier to Estimate the Value of Your Client’s Business
Many solutions can help your clients transition the management and ownership of their business. But no matter what type of business succession plan you consider, you'll need some idea what the business is worth. And this tool can help by making it easier to determine a reasonable estimate of your clients’ business value and to understand the comparison of business valuation methods. Learn more.
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Lincoln Financial
External Term to Lincoln Perm Special Exchange Program
If your clients want more than what their term policies offer, now’s a great time to step up to Lincoln. For a limited time only, they can exchange their qualifying external term policies from a wide variety of carriers to a Lincoln universal life, indexed universal life or variable universal life insurance policy. Learn more.
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North American
SimpleSubmit Now Available
With SimpleSubmit, you can complete an application, order paramed and obtain a signature electronically. It is 20 minutes faster than the paper process and the average turnaround time is 22 days faster. Learn more.
Make Sure Your Clients Meet Their Income Protection Needs
Income Protection lies at the heart of what life insurance is all about. And yet, with today's busy lifestyles, ensuring that income protection needs are met can sometimes be overlooked. Learn More
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MetLife
LTC Acceleration of Death Benefit Rider Added to Whole Life Portfolio
Starting August 31st, MetLife will add the Long Term Care for Acceleration of Death Benefit Rider (LTC ADBR) to all products in the MetLife Promise Whole Life Portfolio, except MetLife Promise Whole Life 65. Learn more.
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Principal
Whether you're working with individual or business clients, Principal® Retirement Plus provides the tools and resources you need for the retirement income market – before, during and after the sale! Learn More
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Legal & General America
New OPTerm rates effective August 10, 2015 Read More
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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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AIG
Check Out This Hybrid IUL Product at a Market Leading Price
With premiums as much as 10 percent below most GUL policies, Value+ IUL provides strong, dependable protection, performs well at a low interest rate, and offers a guaranteed persistency bonus. Plus it offers innovative features to access supplest cash value without reducing the initial death benefit. Learn more.
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John Hancock
Save Yourself Some Time!
Introducing LifeTrack - the quick and easy solution to managing your clients’ policies and John Hancock’s industry-first policy management solution that helps your clients meet their insurance goals. Watch video.
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AXA
IUL Illustrate Rate Update
Indexed Universal Life (IUL) maximum illustrated crediting rates, also known as default rates, will be updated to comply with Actuarial Guideline 49 ("AG 49") which was recently adopted by the National Association of Insurance Commissioners. The illustration requirements established by AG 49 will apply industrywide. For most companies, compliance with AG 49 will result in reduced maximum illustrated rates for IUL products. Learn more.
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Accordia Life
All New Case Study Featuring Lifetime Builder
Lifetime Builder is a flexible indexed universal life insurance policy that can fit many needs and offers a death benefit while also providing the opportunity to build cash value. Paired with Accordia Life’s revamped Foreign National Underwriting program it can provide death benefit protection, cash accumulation potential and cover potential U.S. estate tax liabilities. Learn more.
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Allianz
New Product Enhancements can be a Big Plus for You
Allianz is playing to their strengths to continue to make their FIUL products a powerful solution for your clients. Watch this short video highlighting the enhancements or click here to read more.
New Prospecting Tools Available
Help build your fixed index universal life (FIUL) insurance business with new prospecting tools from the Life Insurance in Retirement Kit. These new prospecting tools were designed to help you get in front of more potential clients to talk about how FIUL can play an important role in their overall retirement strategy. 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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Lincoln Financial
Lincoln has redesigned their life application to ease doing business with them. The new application can be used beginning August 10. Click here to 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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Legal & General America
Check out this video on YouTube on eEverything from LGA
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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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Zurich
Effective immediately, Zurich will require a completed and signed IRS easy form 4506T-EZ. Learn More
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Allianz
Illustrating Sales Concepts Helps Tell More Compelling Story
Allianz has added various illustration sales concepts to the 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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Legal & General America
Cost of insurance increase will apply to select inforce universal life plans. Read More
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Zurich
Zurich American Life Insurance Company has enhanced the conversion rights within the Zurich Term product. Learn 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.
Forethought
Forth Quarter Sales Incentive Read More
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