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3 Mark Financial, Inc.
2/3/2015
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Life Insurance in Today's Economic Times
Today 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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Here’s How to Offer More for Less
Sell what matters by asking the right questions. For example, “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 a way to provide clients with strong protection and more growth potential for less than you might think?” See why this works.
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AIG
Get the Edge with Secure Lifetime GUL 3
Joe Ross is back and he explains what you need to know in this informative video, “Let’s Talk GUL Guarantees”. Get an edge in any sales situation with the pricing strengths and built in extras of Secure Lifetime GUL 3. See how our pricing compares at: www.aig.com/securelifetime.
See AIG’s Commitment to GUL in the Price
Secure Lifetime GUL 3 (GUL3) is competitively priced and has new ROP options giving clients affordable flexibility. See how the pricing falls within 5% of the lowest-cost products in the market – specifically in these scenarios. Read more.
You Asked, AIG Answered
Our new Secure Lifetime GUL3 FAQ answers burning questions regarding the ROP and many other topics. We’re making it easy to get comfortable selling this exciting product and all its dynamic features.
Tis the Season…
Tax season that is. Check out timely Advanced Markets resources, like these Tax Tables, or this 1040 Tax Calculator to help your client make the correct life insurance and retirement choices going forward.
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Mutual of Omaha
Get Geared Up for Income Advantage IUL
On March 1, United of Omaha will add a powerful new life product to its lineup. Will your producers be ready? They can be with DiscoverIUL.com. It has everything they need to get up to speed on Income Advantage and deliver its benefits to their clients.
Please help me spread the word by sharing DiscoverIUL.comwith your producers today. And, as always, our home office sales team is here to help — don't hesitate to give us a call.
Are You Dealing the Right Hand?
“Life is like a game of poker – you have to play the hand you are dealt.” If that is true, then what hand are you dealing your clients? When it comes to Guaranteed Universal Life and return of premium options, are you giving them a pair or a straight flush? The New Year has given you the ability to offer SEVEN OPPORTUNITIES for your client to get back their premiums, should they wish to surrender the policy. Read more.
New Preferred Plus Term Rates
We've done it again — repriced Term Life Answers to make sure our Age Last Birthday rates out pace the competition for you and your clients. Effective Feb. 1, count on us for competitive Preferred Plus, Preferred Nontobacco and Standard Nontobacco rates. Read more.
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Symetra
New Kit: Leveraging Alternative Assets
Are your clients concerned about the impact of economic uncertainty on their investment portfolios? This new advanced markets concept kit, Leveraging Alternative Assets, highlights the benefits of using life insurance as a financial hedge to your clients’ portfolio of assets that are earmarked for wealth transfer. With our Leveraging Alternative Assets fact finder, “take action” strategies, and success stories, you can show your clients how leveraging life insurance can help ensure their legacy planning goals are being met. To access just visit the Symetra Advances Sales Concepts website.
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MetLife
Portfolio Diversification with Cash Value Life Insurance
As a rule of thumb, many financial professionals recommend that people should plan to replace roughly 70 – 80% of their pre-retirement income in retirement.1 Where does that income come from? For most retirees, it comes from pensions, Social Security and personal savings. In the past, many employees were able to rely on employer-sponsored defined benefit pension plans for their retirement income. Over time, however, the number of employees covered by defined benefit (DB) plans has diminished significantly. Read more.
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Allianz Life
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. This “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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Accordia Life
Give Your Retirement a Bonus
A Lifetime Builder IUL policy from Accordia Life provides your family with death benefit proceeds to help replace lost income and creates account values that will grow over time tax-deferred. Read more.
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American National
American National Introduces Signature Guaranteed UL
Click here to 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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North American
Field Memo click here
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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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