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3 Mark Financial, Inc.

2/10/2015

Join Levi Robinson, CFP®, CLU, ChFC, RICP, FLMI, Vice President Product Training at AIG for a Webinar.

Levi will share tips and techniques to help you increase your sales effectiveness by understanding the differences between, Millennials, Generation Xers and Baby Boomers in terms of needs, attitudes and communication preferences.

February 17, 2016 at 3:00 pm Central

Genworth Exits the Life and Fixed Annuity Business

Genworth announced that they are exiting the life and annuity product lines as of March 7, 2016. The links will give you information regarding the transition rules related to this decision as well as some FAQ’s that you can use with your producers as questions come up.

Nationwide

Videos and Infographic to Help Guide LTC Conversations with Clients

Discussing long-term care with clients can be challenging. That's why Nationwide created a conversation tool that shares insights and videos through an interactive infographic that you can use with your clients. Learn more.

Prudential

New Presentation - Protect Your Family's Future

Do you have a group of clients or prospects that need to know the basics of what life insurance is and what it can help with? Use this new presentation as a tool to educate your clients on life insurance and the process to determine what type and amount of coverage is right for them.

Surprising Benefit for Those Near Retirement

The passage of the Affordable Care Act means that an increasing number of Americans are no longer solely dependent on their employer to provide health insurance. This gives workers who are ready to retire, but not yet eligible for Medicare, enhanced career flexibility. What will this mean for your clients? To learn more, read the enlightening white paper "Early Retirement and the Affordable Care Act" by James Mahaney, Vice President, Strategic Initiatives at Prudential.

AIG

Wealth Transfer Concept for Baby Boomers and Foreign Nationals

The wealthiest generation (Baby Boomer) demands a flexible portfolio to accommodate their financial needs, which include financially supporting children, paying a mortgage and healthcare expenses. Foreign nationals potentially have even greater wealth transfer challenges than US-born Baby Boomers. Foreign nationals may have significant tax penalties when passing gifts or estate assets to loved ones.

Learn more about Baby Boomers, foreign nationals and solutions that could help them with their wealth transfer goals with these resources from AIG.

Mutual of Omaha

NEW Preferred Plus TLA Rates

Help your clients save more with our new, competitive Term Life Answers (TLA) rates, including Age Last Birthday. Read more.

Competitive Conversion Privileges

Did you know Term Life Answers (TLA) may be converted into any currently available permanent individual life insurance product? Read more.

Two (or More) Are Better Than One

Your clients may want to consider purchasing more than one Guaranteed Universal Life (GUL) policy, especially if they believe their life insurance needs may decrease over time. Read more.

SBLI

This Year, Resolve to be Impatient

A new year typically means a long list of resolutions. At SBLI, we believe impatience should be at the top of yours. That’s right. Why wait months to close business when you can do it in days?

Unlike some carriers, SBLI is turning around cases with incredible speed. We typically process more than 40% of cases in 10 days or less, while our average for all cases is just over three weeks. Of course, getting business done faster means you’ll get paid faster.

Combine our speed with our great new term rates, and you’ll be on your way to your best sales year ever. Get more details below and at our website SBLIstuff.com.

Lincoln

Reduce Your Clients’ Tax Burden

More than 8 in 10 clients base their advisor’s effectiveness on their ability to reduce tax erosion of their retirement savings. Make your clients happy. Start managing your clients’ tax risk by diversifying their retirement portfolios with Lincoln life insurance. Show your clients how you can reduce their tax burden with these tools from Lincoln. Read more.

What’s Trending at Lincoln in 2016?

Please join us to learn more about recent and upcoming enhancements to help grow your business in 2016. On the call, we'll discuss:

New automatic reminders of illustrated changes, to help manage long-term policy goals
Premium improvements on Lincoln LifeGuarantee® UL (2013) — Rates as of 02/08/2016
New underwriting enhancements
Improvements to our Simplified Issue and Guaranteed Issue, Foreign National, and Premium Finance programs

Learn more.

Protective

Protective Products Perform

When you get to the root of all cases, you find they share the same objective: getting a client covered with life insurance. Regional Vice President, Everett Bergquist, knows this challenge well and shares a recent story that highlights this common goal. Read more.

From the Desk of Dave Sheridan - Sharpening our Focus

At Protective Life, we’ve taken the New Year season as an opportunity to declare a few resolutions for not only ourselves, but for our life business. One of the key goals we’ve defined is sharpening our focus. Read more.

Symetra

Transaction with Sumitomo Life Complete

Symetra announced that we completed our transaction with Sumitomo Life Insurance Company of Japan. As we said last August when we announced the agreement, Sumitomo Life intends to keep Symetra intact, including all of our business lines, leadership, employees, products and distribution channels. We will continue to use the Symetra name and brand.

We do not anticipate any changes to the way you or your clients work with us. It is expected that you will have the same Symetra products to offer as you do currently and that your clients' existing Symetra products and policy features will not change. Read more.

Minnesota Life

Making Permanent Life Insurance Affordable

"Laddering" strategies can make permanent life insurance coverage more affordable for younger clients. Learn two such strategies that can help boost your sales while offering clients lifetime protection and cash value growth potential for supplemental retirement income. Learn more.

MetLife

Estate Equalization: How a Family Can Balance Fairness and Equality

Individuals work hard to accumulate wealth and build a family business. Sometimes, one or more of their children become involved and are expected to take over the business one day while other children may go off on paths of their own choosing. How can the client implement a strategy that allows the business, which generally represents the majority of the client’s wealth, to pass to the active children, yet still provide fair estate distributions to the other children? Read more.

Allianz

Boost Your Business

We’re always looking for ways to help you build your business. That’s why we’ve created turnkey sales kits to help you boost your FIUL insurance sales. Read more.

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.

Annuity Fact Finder

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Rates

3 Mark's Annuity Hot List

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OneAmerica

Expand sales opportunities with Indexed Annuity Care from OneAmerica. You and your producers are invited to learn about a great opportunity to offer clients the first indexed annuity that offers multiple crediting strategies and tax-free long-term care (LTC) benefits. Attend our next webinar to learn about product details, sales ideas and illustrations. Share this information with your producers today to offer them this valuable training opportunity! Several dates and times are available Click here to Register.

North American

Webinar: New NAC IncomeChoice Fixed Index Annuity Enhancements Learn More

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.

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.

Mutual of Omaha

Trial Program Modifications

Mutual of Omaha's goal is to provide you with prompt service, competitive quotes and dedicated underwriting support. Due to our great partnerships in 2015, we had a record breaking year and 2016 is off to a fantastic start!

This success has allowed us to look at our processes to determine how to serve you more effectively with both formal and trial applications. Effective February 8, 2016 we will adjust our trial applications to line up with the program we announced last year. The number of trial applications you can send is all up to you and will be dependent upon the amount of formal business your office sends to Mutual of Omaha. Learn more.

Nationwide

Nationwide Retirement Institute Educational Series: 5 Ways to Discuss and Customize a Clients Long-term Care Plan Learn More

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.