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3 Mark Financial, Inc.
1/27/2015
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Life Insurance in Today's Economic Times
Wednesday Feb 3, 2016 at 3:00 pm Central
This presentation will highlight what consumers say about life insurance versus the reality, obstacles you face, and how you can bridge the gap between what consumers think and what they do when it comes to life insurance purchase and coverage.
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Flat is the New Up
According to the USA Today, ‘Flat is the new up’ for the 2016 stock market. If clients are expecting flat or low returns, coupling their IUL product with Accordia Life’s unique Increased Participation Strategy can make a lot of sense. Instead of the “flat” 2.2% that is expected, clients can use this strategy to be credited 4.4% within their policy. Read more.
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AIG
1 in 5 Insured Report Problems Paying Medical Bills
Recent NY Times article reveals that many Americans with health insurance face problems paying bills, and even bankruptcy. Explore Critical Illness and Accidental Injury insurance with your clients today!
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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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Prudential
Set Yourself Apart with Prudential's New Survivor Center
The new Prudential Survivor Center is an online resource for your clients that provides guidance to beneficiaries after the loss of a loved one. This new online tool includes emotional support resources, legal and financial advice, funeral planning, and a checklist to help them prepare for the months ahead. It provides a valuable way to increase engagement and loyalty, as well as deepen your relationships when it matters most. Visit the Survivor Center and share it with your clients.
Video: Financial Planning for LGBT Couples
In June 2013, the U.S. Supreme Court overturned Section 3 of the 1996 Defense of Marriage Act, which had effectively banned federal benefits for same-sex married couples. In a subsequent case, the Supreme Court ruled in June 2015 that every state must permit same-sex marriages. As a result of these new rulings, employee benefits and financial planning strategies once available only to opposite-sex married couples are now available to same-sex married couples. What financial planning concerns do same-sex couples have post Windsor and Obergefell? Watch video.
Webinar: It’s a Matter of Trusts
If you have clients with substantial assets that would benefit from gifting to fund irrevocable life insurance trusts (ILITs), you may be interested in a Spousal Lifetime Access Trust (SLAT) for your affluent clients and, if so, you need to attend this informative webinar. During this session, you will learn more about the benefits of this type of trust planning, the tax advantages for your clients, and how the new PruLife Survivorship Index UL product can provide the death benefit and cash value potential needed to help make these trust strategies successful. Click here to register for this February 1st webinar.
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Legal & General
End-to-End Digital Solutions
Have you had an ePiphany about the LGA digital tools that save your agency time and money There are lots of easy ways to get started and we've listed them all here.
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MetLife
Restoring the Corporate Owned Life Insurance Case
The time has come to acknowledge the obvious. The tide has turned and business owned life insurance is back in vogue. There exists a myriad of reasons but the explanation is simple if one acknowledges the convergence of two influences. These contributing factors are a dramatic increase in individual taxes accompanied by a recent rebound in executive compensation. Read more.
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Lincoln
2 More Reasons to Like Lincoln’s MultiLife Business Insurance
The Lincoln MultiLife Business Solutions Guarantee Issue and Simplified Issue underwriting program just got better with increased coverage - up to 250 lives - and higher issue limits per life, making it an ideal solution for a variety of business planning needs. Read more.
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Protective
A Question That Will Help Drive Business
What matters most to clients? Obtaining affordable life insurance coverage that will be there when life happens. To help your agents deliver this, try asking them thought provoking questions that will help drive business, like, “Have you heard about the 5 things you should consider before you sell more term?” See why this works.
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Minnesota Life
Help SHARE THE LOVE with Life Insurance
Insure Your Love, created by the nonprofit Life Happens, is a February life insurance awareness campaign. Designed to help clients look at this month of love in a whole new way, it encourages consumers to protect their loved ones with life insurance. Discover the resources available to help you start this important conversation. View flyer.
Video: An Easier Way to Explain Cash Value
More than a death benefit, permanent life insurance policies offer clients a way to build and use tax-preferred cash value while they are living. This new video offers you an easy way to help clients understand what cash value is and how cash value in a permanent life insurance policy may benefit them. Watch Video
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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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Mutual of Omaha
GRO Rider – Flexibility That Puts Your Clients in Control
When your clients purchase a qualifying GUL or GUL Plus policy, they will receive the Guaranteed Refund Option (GRO) rider automatically at no additional cost. Following years 15, 20, 21, 22, 23, 24, 25, clients are given a window to surrender their policy and receive a percentage of their premiums back. Read more.
ABR Riders - Mutual of Omaha Offers Some of the Highest Benefit Amounts in Industry
Learn about our two riders, Chronic Illness and Terminal Illness, that can help alleviate some of the financial strain associated with certain medical conditions. Mutual of Omaha allows for up to $1 million benefit, one of the highest in the industry. 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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North American
Field Memo click here
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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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Rates
AIG
Great American
Protective
The Standard
North American
Principal
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3 Mark's Annuity Hot List
Click here for the latest version
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AIG
A new address to submit your fixed and income annuity premium Read More
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Allianz
Read Allianz Advantage email newsletter by clinking 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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Allianz
Underwriting Improvements
We’ve heard your feedback, and we are listening! To help you start the year out strong, we have made updates to our financial underwriting guidelines. Get started by familiarizing yourself with the changes, especially the new affordability guidelines. Read more.
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Prudential
Underwriting Alcohol and Marijuana
Alcohol and marijuana use can have an impact on underwriting, especially as legal medical and recreational marijuana use becomes more prevalent. In just 13 minutes, this on-demand video, which includes case studies, will help prepare you to make informed recommendations to your clients. Watch now.
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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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