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3 Mark Financial, Inc.
12/23/2015
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Protective Life Webinar January 6, 2016 at 3:00 pm Central
A Solution for Chronic Illness Care using ExtendCare and Income Provider Option from Protective Life.
Why settle for just lifetime coverage when for even less premium, your clients can get both income replacement AND the option for chronic illness protection?
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Life Happens Consumer Video
Another Year Gone By…Another Year More Expensive
Life Insurance only gets more expensive the longer you wait. If you want to save money on life insurance, buy it as soon as you can! Talk to your clients about the need for Life Insurance before another year passes. Watch.
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Prudential
Business Continuation
Business continuation is the creation and execution of a strategy allowing business owners assure the continuation of their businesses on their terms and conditions. This eKit highlights some of Prudential's more popular strategies. Read more.
Video: Ready for More from Pru?
Let's take the momentum we built in 2015 and make 2016 even more extraordinary! Prudential has the support and resources you need to expand your business. Watch.
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Mutual of Omaha
Enhanced Guaranteed Refund Option
We're adding more flexibility to our Guaranteed Refund Option (GRO) rider and adjusting premiums for GUL effective January 1, 2016. Read more.
Give the Gift of Flexibility
Your clients might purchase a Term Life Answers policy for its affordability now, but down the road they may have a need for permanent insurance. That's why we offer liberal conversion privileges. Read more.
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Accordia
Under Promise, Over Deliver
The saying “Under promise, over deliver” is especially important in the positioning of permanent life insurance for your clients long-term needs. Starting with a low interest rate can help your client find a premium to maintain the death benefit and accumulate cash value without depending on high crediting rates. Read more.
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John Hancock
Protection UL - Add Vitality to Your Next Sale!
John Hancock with Vitality can be a great solution for any policy! Click here to see how by reaching gold just once can more than cover your client's rider charges.
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Nationwide
Increased Compensation for CareMatters
We increased the cash benefit of Nationwide YourLife CareMatters® and kept features that make it different from other LTC plans. When you compare side by side, it's easy to see what makes CareMatters MORE flexible. Learn more.
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Allianz
Help Your Clients, Build Your Business
People change – and so do their financial situations. Create new sales opportunities and help ensure your clients are well-positioned for the future by conducting a policy review. Read more.
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Protective
Video: Sell What Matters to Clients
Clients looking for short-duration coverage want the freedom to continue coverage without the shock of higher renewal rates. You can deliver this for 2%* less in annual premium when compared to a traditional term solution. Find out how.
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AIG
Two New Secure Lifetime GUL 3 Videos
Secure Lifetime GUL 3 delivers the gift of enhanced ROP options and much more this holiday season. See our featured producer video (1 ½ min) to learn about the compelling reasons why this enhanced GUL product could be a great fit for your clients including new, enhanced features and highly competitive cells. For even more detail on GUL 3 watch, “Let’s Talk GUL Guarantees” (5 minutes).
Freedom at Last!
TheAsset Protector living benefit rider package is decoupled! Now our optional living benefit riders for chronic illness (Accelerated Access Solution) and longevity (Lifestyle Income Solution) can be purchased independently or together with GUL 3. For more on GUL 3 and Living Benefit Riders.
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AXA
Managing Clients Tax Brackets
Taxes are central to client planning, however tax uncertainty abounds. High-income clients anticipate a continuing wave of tax law changes driven by lingering budget deficits. Whether these tax law changes come to fruition or not, the concerns are ones financial professionals need to address. 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.
- 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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Annuity Fact Finder
Click here for a great Annuity Fact Finder
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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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Genworth
Contracting and Appointment Requests
Read the Bulletin here
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Prudential
PruTerm One Advanced Notice
There were some minor changes made to our PruTerm One product. Please take a look at the announcement below to learn what those changes are and access up to date marketing material which reflects those changes. Read more.
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North American
Product Changes Coming January 5
We will be making changes to the NAC BenefitSolutions fixed index annuity effective January 5, 2016, due to the adoption of new mortality tables adjusted for the increase in life expectancy. Read more.
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Genworth
2016 Index UL Crediting Rates Read more
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