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3 Mark Financial, Inc.
1/13/2015
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Social Security Webinar with Nationwide
January 20 at 3:00 pm Central
Recent legislation has eliminated the option to "File and Suspend" and file "Restricted" for most Americans, making clients' Social Security planning more complex for advisors.
Join us on January 20 as we break down and simplify these changes and how they impact your clients Social Security options.
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North American Video: Help Clients Plan for Retirement
There are a lot of ways to plan for retirement – but have your clients considered life insurance? In addition to death benefit protection, permanent life insurance can potentially provide tax-deferred growth that can help supplement retirement income generally tax-free. Have you made sure that your clients understand how? Watch video.
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Protective
A UL Solution That Costs 12% Less Than Traditional Term
Clients looking for short-duration coverage want more choices to pick the exact amount of coverage they need, and not pay for something they don’t. Thankfully you can provide this choice for 12% less* in annual premium when compared to a traditional term solution. Read more.
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Symetra
Premier Pricing Your Clients Deserve
As if Symetra UL-G premiums weren’t already low enough, take a look at our LPB Premier pricing—it’s best in class! Designed to provide lower premiums on your larger cases, LPB Premier premiums average 6-10% less than the No. 2 ranked guaranteed universal life insurance carrier. Read more.
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Allianz
How Much Life Insurance Protection Do Your Clients Need?
A great year starts with helping your clients understand how much life insurance protection they need. Use our Life Insurance Needs Analysis calculator to help them determine an appropriate amount of coverage based on their circumstances. Read more.
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Minnesota Life
Video: Share the Benefits of Term Life
One of term life's main benefits is its affordability – premiums for term life policies can typically fit into most clients' budgets. But how can you easily convey this and other benefits of term life to your clients? With this video! Watch.
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Accordia Life
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 to start 2016! Read more.
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Prudential
New Women’s Market eKit Available
In many families and communities, women are the driving force that makes things happen. But they still face financial challenges. By helping women create a financial strategy, we can help them build stronger futures for themselves, their families, and their communities. This ekit highlights the available marketing material created by Prudential to help you develop an effective approach to increasing your presence with women and to successfully discuss their life insurance needs. Read more.
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John Hancock
Term with Vitality
Higher status. Greater rewards. Better conversion. See how achieving a higher Vitality Status can extend the time period that an insured has to convert their policy. Read more.
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Lincoln
LTC Myth: Clients Think Wealth Cushions Them from LTC Costs
Clients think their wealth protects them from long-term care risk. You know it's their wealth that needs protecting. Paying out of pocket for long-term care expenses can have a significant impact on clients’ portfolios, causing tax consequences and impacting their families’ circumstances. Let Lincoln help you dispel the myths. Read more.
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Legal & General
In Case You Missed It: Term Rates are Lower!
New OPTerm Rates. Effective December 14, 2015. All Decreases. No Increases. What do you look for in a term company? Distinctive value and pricing power. You get both with Legal & General America. We use our pricing power to react nimbly to competitor moves and to maintain a top-tier ranking in our chosen segments. Read more.
Carve Out a New Market with A-List Term
Companies often want to provide their highly compensated executives and other professionals with life insurance benefits more comprehensive than traditional group term life. A-LIST Term is a carveout plan that’s owned by the employee, paid for by the company and underwritten on one medical question for ages 25-70; five medical questions for ages 71-75, age last birthday, simplified issue for both, and delivered on a specially tailored underwriting basis and pricing schematic. 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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AIG
SPIA Adds a Competitive New Feature
The American Pathway Immediate Annuity (SPIA) just keeps getting better. Now, eligible contracts will have the opportunity to withdraw up to 100% of the present value of remaining guaranteed income payments as a lump sum. Read more.
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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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Nationwide
Nationwide Retirement Institute Educational Series: 5 Ways to Discuss and Customize a Clients Long-term Care Plan Learn More
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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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American National
American National is kicking off 2016 with cash bonuses for life insurance sales from January 1, 2016 through April 30, 2016. Please note the specifics attached.
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Genworth
Contracting and Appointment Requests
Read the Bulletin here
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