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3 Mark Financial, Inc.
12/16/2015
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AIG
Get Your Generational Marketing Resources
At NAILBA 34, AIG showcased its new program addressing the differences in the generations to help your agencies grow their business. The turn-key training program, called “Generation Matters,” provides everything you need to train your producers. Help your producers improve connections across the generations to help expand their book of business! Read more
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Mutual of Omaha
4 Ways to Offer Clients Benefits While They're Living
Your clients purchase life insurance for when the unexpected happens. But what if that happens sooner than they think? These GUL products provide benefits for them while they are still living -- at no additional cost. Read more.
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North American
Video: Have Your Client’s Lives Changed?
As your client’s lives change, so do their life insurance needs. As their respected financial professional, they’ll appreciate you providing them with a periodic review to make sure that their coverage still meets their needs. Take advantage of North American’s comprehensive kit that makes this review easy for you and your clients. Watch video and learn more.
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Life Events Retirement eKit from Prudential
This new Life Events ekit provides an effective way to approach consumers planning for their future and thinking about retirement. These materials will help you develop a systematic approach to meeting with clients to guide them into a more effective retirement planning strategy using life insurance. View eKit.
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Allianz
Understanding Accumulation Bonuses
Accumulation bonuses are becoming more common in fixed index universal life (FIUL) insurance policies – but it’s important to know that not all bonuses work the same. Our “Understanding accumulation bonuses” flyer talks about considerations to keep in mind as you run illustrations and explain bonuses to your clients.
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Lincoln
From the Competition Desk
On the most recent Lincoln Competitive ONE meeting at Lincoln they discussed a number of the changes that occurred in the marketplace in 2015, while also discussing the important updates, changes, and new products introduced at Lincoln throughout the year. Learn more.
Lincoln Investment Advisors Market Commentary - November 2015. Click here.
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Protective
Here’s How You Give Clients What They Want
What matters to clients looking for life insurance? Affordability? Strong, balanced protection? Freedom to live knowing reliable protection is there? All of the above! We’ve made this easy to deliver, with an online tool that allows you to create, personalize and share your own sales ideas.
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AIG
Expanded ROP, Stronger Guarantees and Better Pricing on GUL
Secure Lifetime GUL 3 delivers guaranteed protection with a unique set of features offering tremendous value including; Guaranteed Premiums, Guaranteed Minimum Cash Value and Guaranteed Return of Premium in Year 20 (at 50%) or Year 25 (at 100%). See new materials at RetireStronger.com Read more.
New! Consumer-approved "Sequencing of Returns" sales idea
The order of returns has an impact on how long a portfolio will last if the portfolio is 1) in the distribution stage and 2) if a fixed amount is being withdrawn from the portfolio. Find out more in our new sales idea that shows an example. Read more.
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Accordia
Guaranteed Term Exchange Program
With Accordia Life’s Guaranteed Term Exchange Program your clients can get valuable, permanent life insurance protection with NO UNDERWRITING. Which is a quick way to get some business in before the end of 2015! Read more.
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Legal & General America
New Term Rates. Distinctive Value. Pricing Power.
Let’s be real. Much as we all might agree that price shouldn't be so important in a term selling/buying decision (heck, we wrote the book on this by asking the question, "What More Do You Get?") - the market acts first on price. So to foster a consistent flow with few interruptions in our relationship with you, your staff and your brokers, LGA uses its pricing power to react nimbly to competitor moves, to maintain in its chosen segments a top-tier ranking. Read more.
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AXA
Accelerate Your Business Insurance Sales
Funding Executive Benefit plans for small businesses can be challenging. Explore how AXA makes it easy to sell and service Executive Benefit plans like our BATL Plan (Bonus and Tax Loan Plan) using the BrightLife Grow Indexed UL product on this pre-recorded webcast, and see what other tools we have to help accelerate your business insurance sales. Learn more.
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MetLife
Solving the Business Owner Puzzle
The concerns of business owner clients can be unique and complex. Do you have all the pieces to solve their puzzle? Interact with the pieces at MetLife’s Business Owner Strategic Solutions (BOSS) site to get a glimpse into some of the effective solutions you can offer. Read more.
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Minnesota Life
The Life Hub: Your destination for Life Sales Success
The Life Hub provides you with information regarding our product portfolio, advanced marketing concepts and materials, sales tools and resources and much more! Read 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.
- 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.
- Attach a copy of a current policy/ account statement for the funds being transferred to the 1035/transfer document.
- Complete the 1035/transfer form carefully and completely. Be sure all necessary signatures are obtained.
- Send original transfer forms with the application to 3 Mark for processing.
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3 Mark's Annuity Hot List
Click here for the latest version
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Annuity Fact Finder
Click here for a great Annuity Fact Finder
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Reliance Standard
Annuity CE Requirement & Mandatory Product Specific Training
Updated to reflect CE requirements for Georga and Tennessee Learn More
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Forethought
Sales & Marketing Bulletin
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Lincoln
One More Underwriting Advantage
Lincoln is eliminating many EKG requirements. Lincoln continues to eliminate requirements for our customers making it easier to do business with Lincoln. We have already eliminated Medical Exams, Stress Tests and Inspection Reports! Read more.
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AIG
Informal quoting minimums
New application - new forms available now Read more
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Mutual of Omaha
75 is the new 60
Unlike other carriers, our fit underwriting credit program offers credits up to age 75. Read more.
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Marijuana Use Guidelines
Carrier specific marijuana use guidelines are now available on the Underwriting and Impaired page of our website. Username and password are required to view. Learn more.
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American National
Year End Business Procedures Click here
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Lincoln Financial
Your Important Year-end Business Reminders
It’s time to complete your year-end business. See the important dates, tips and reminders you need. Read more.
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AXA
2015 Year-End Processing deadlines from AXA click here
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Nationwide
Get Your Business Placed in 2015
Make sure your Nationwide life insurance cases count for 2015 production by keeping these dates in mind. Read more.
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Legal & General
Year-End Closing Dates Click Here
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Phoenix
Operations Bulletin
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Protective
Holiday Schedule and Year End Guidelines
As we near the end of the business year, we want to announce our 2015 holiday schedule, along with year-end business processing guidelines. The following guidelines will help ensure a case is paid and producers receive their compensation and/or production credit for 2015. Read more.
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Great American
Year-End Processing Deadline - Must be received in the Home Office and in good order by Dec 18, 2015
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Genworth
News Bulletin including year end dates.
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Athene
Year End Processing Dates
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Prudential
Year End Important Dates and Reminders
As you plan for year-end, we have prepared some helpful key reminders and tips to avoid commonly missed requirements which will assist you for a winning year-end. Read more.
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North American
Year End Dates
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Symetra
Year-End Business Deadlines
The end of the year is approaching! Final issue requirements for life new business to be placed and counted in 2015 should be received by Friday, Dec. 18, if commissions are paid weekly, and Thursday, Dec. 24, if commissions are paid daily. If you have questions, please contact the Symetra Life Sales Desk at 1-877-737-3611 or lifesales@symetra.com.
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Athene
Leaders of Olympus - Three programs with rewards Click here to learn more, including the Aruba trip.
Forethought
Fourth Quarter Sales Incentive Read More
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EquiTrust
Agent Travel Incentive from EquiTrust Life Insurance Company Learn More
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Lincoln Financial
Double Convention Credit for Lincoln MoneyGuard II and Lincoln LifeElements Level Term. Learn More
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