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3 Mark Financial, Inc.
1/20/2015
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Social Security Webinar with Nationwide
Later Today 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 client's Social Security options.
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Protective Advantage Choice UL and Custom Choice UL Update
Protective Life remains committed to being your carrier of choice to address the core protection product needs of your agents and the clients which they serve. Based on this commitment, we are launching an enhanced version of the Protective Advantage Choice UL which will improve competitive positioning in the most frequently sold ages, risk classes and funding patterns. In an effort to further simplify our universal life product suite, the Lifetime option provided by the Protective Custom Choice UL product will be discontinued and the enhanced Protective Advantage Choice UL will become our flagship guaranteed universal life product for lifetime core protection. Read more.
What matters most to clients?
Obtaining affordable life insurance coverage that will be there when life happens. But delivering this effectively hinges on your ability to ask agents thought provoking questions, like,
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AIG
Foreign National Playbook
Foreign Nationals face unique U.S. planning challenges and may need estate planning assistance. As a producer of one of the world’s largest financial companies, AIG is committed to equip you to better serve this market to help protect their families, secure their retirement and achieve their financial goals. Read more.
Gen X: Hard to Reach and Slow to Trust You?
Generation Xers are approaching their peak earning years and are a great growth opportunity for business expansion. AIG has a new and exciting new campaign to help you better understand what and why Generation Xers think the way that they do, so that you can improve your sales approach. Read more.
Adapt to Changing Circumstances
Do you know the power of Optionality? Adapt to changing circumstances with the Return of Premium feature on AIG’s GUL 3. This multiple policy solution is for consumers seeking flexibility in their life insurance planning needs. Consider each of these 2 case studies:
$2M “Everyman” Scenario
$10M “High Net Worth” Scenario
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North American
Video: Using Life Insurance for Your Client’s Smart Money
Smart money is money your clients want to control and be able to access during times of need. While there are several places to store smart money, one option to consider is life insurance. Watch our video to learn more!
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Transamerica
IUL May Be Smart Solution for Foreign Nationals
Index Universal Life (IUL) insurance can be an attractive option to meet client needs because some IUL policies offer index interest crediting based on a diverse mix of market indexes, including global indexes. The versatility of the policies can make them a smart solution for Foreign Nationals. Check out Transamerica Sales Leader Laura Morrison's LifeHealthPro article on why this type of policy is a strategy both U.S. and Foreign National clients might want to explore. Read more.
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Mutual of Omaha
3 Ways the GRO Rider Benefits Business Clients
Our Guaranteed Refund Option (GRO) rider on GUL and GUL Plus can provide flexible options for business owners who are planning for the future of their company. Read more.
More Eligibility = More Options
On January 1, 2016, we added additional years of benefit eligibility to the no-cost Guaranteed Refund Option (GRO) rider on our GUL and GUL Plus products. Learn more about our enhanced GRO rider policy. Read more.
Don't Make Your Clients Any Older
Age determines how price is calculated and what underwriting requirements are. Make sure your clients understand the benefits of using 'age last birthday' -- and why this makes Mutual of Omaha unique. Read more.
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MetLife
U.S. Retail Separation
MetLife, Inc. (NYSE: MET) (“MetLife” or “the Company”) today announced a plan to pursue the separation of a substantial portion of its U.S. Retail segment. MetLife is currently evaluating structural alternatives for such a separation, including a public offering of shares in an independent, publicly traded company, a spin-off, or a sale. Read more.
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Lincoln
Important Announcements in The Lincoln Leader
Effective 2/8, Lincoln will be making pricing improvements to Lincoln LifeGuarantee UL (2013) and to the Multi-Life Business Solutions SI/GI Guidelines. Learn more in the latest edition of The Lincoln Leader.
Lincoln’s Monthly Market Overview
Click below for a brief client-approved recap of Lincoln's observations on markets and volatility for December 2015. Click here.
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Accordia Life
The Power of IUL
Accordia Life traces its origins to the beginning of the IUL marketplace, uses product designs tested and proven through real market cycles and employs people with firsthand knowledge and experience gained by developing products that have led the IUL industry. Read more.
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Prudential
Executive Compensation Plans
Qualified plans are not always adequate to recruit and retain the best senior managers and executives. As a result, many business owners will look to tax-advantaged non-qualified planning options to offer additional benefits to their key employees. This consumer approved brochure highlights many of the non-qualified planning options available. Read more.
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Allianz
Help Clients Navigate Their Road to Retirement - Today
Guide your clients through the benefits of fixed interest universal life (FIUL) insurance with our consumer-approved video, Life’s a journey. Use it as a tool to explain the benefits of their policy – including protection for policyholders and their beneficiaries with an income-tax-free death benefit. It’s just one more way FIUL can play an important role in their overall financial strategy. Read more.
Hold Harmless Rule Might Protect Social Security Payments
There is a special rule for Social Security recipients, called the “hold harmless rule,” that ensures that Social Security benefits will not decline from one year to the next because of increases in Medicare Part B premiums. The hold harmless rule applies to most, but not all, Social Security recipients. Read more.
2016 Tax Update
Make your clients aware of the newest tax changes with our 2016 tax updates guide (AMK-301-N). Bring it to your meetings to reference the tax changes to income, Medicare, Social Security, real estate, and gifts. This concise collection of updates is client-approved – and it serves as an ideal takeaway. 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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Annuity Fact Finder
Click here for a great Annuity Fact Finder
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Allianz
Learn more about Allianz's ApplyNow
Click here to learn more about electronic submission using ApplyNow
Allianz Today email newsletter
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Rates
AIG
Great American
Protective
The Standard
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3 Mark's Annuity Hot List
Click here for the latest version
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Forethough
Sales & Marketing Bulletin Click here
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North American
Field Memo click here
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John Hancock
Check Out New Ways to Sell Long-Term Care Insurance
John Hancock is pleased to introduce New Ways to Sell Long-Term Care Insurance, a series of ideas and tips designed to help you boost your sales. The first flier in the series focuses on your clients who may be planning for retirement. It demonstrates the flexibility of the product’s payment options, including how Performance LTC can be structured to end premium payments once your clients’ working years are over. Please click here to view the flier.
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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
New Bulletin for Jan 11.
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