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3 Mark Financial, Inc.
2/24/2015
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Join Amanda Polasko from Protective Life as she Discusses IRA Maximization
Webinar Wednesday March 2, 2016 at 3:00 pm Central
IRA Maximization is a wealth transfer strategy that allows you to transfer the value of an IRA in a more tax-efficient manner. It can help preserve or keep the value of an IRA when passed to beneficiaries.
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Mutual of Omaha
Go the Distance with New Preferred Plus TLA Rates
Our competitive Age Last Birthday rates can help you clear more hurdles on the way to the finish line. As of February 1, you can count on us to lead the race with our new rates, leading conversion privileges and Competitive Fit underwriting credit program. Read more.
Full Throttle with New IUL Product
United of Omaha’s new IUL product, Income AdvantageSM, will be available on March 1, 2016. For more information about Income Advantage, talk to your sales director or visit DiscoverIUL.com.
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Allianz
Solutions for Managing Market Volatility
As clients prepare for retirement, they may face the same concerns as many Americans – such as death benefit protection for your loved ones, health care costs, high cost of living, inflation, outstanding debts, and taxes. But what about market volatility? Negative market performance – particularly when you are accessing money for retirement – can play a significant role in your retirement income amount. Read more.
Help Protect Assets with FIUL and Estate Planning Strategies
Your clients likely know that fixed index universal life (FIUL) insurance provides a death benefit that can help protect their loved ones’ lifestyle by replacing lost income or paying for final expenses. But did you know it may help play a role in their overall financial strategy, such as estate planning, too? Read more.
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AIG
Got Wealth, or Know Someone Who Does?
Use these fresh approaches to help Baby Boomers and Asian Americans with wealth transfer needs:
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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. Visit the Survivor Center.
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Symetra
Symetra UL-G with Chronic Illness Plus Rider
Together, Symetra UL-G’s inherent Chronic Illness Rider and our optional Chronic Illness Plus Rider can provide a unique approach to help clients access their death benefit in advance, which can be used to help fund the expenses often associated with a chronic illness. Read more.
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Lincoln
Helping Clients Better Manage Risk
Thanks to you, your clients may remain more confident about their future, in spite of recent market volatility. Your ability to help them implement long-term wealth protection strategies is to be applauded. We're proud to know that solutions from Lincoln Financial may be contributing to better outcomes for your clients. Connect with your clients today and use this flyer to help remind them of the smart decisions they may have made to help secure their financial future. View flyer.
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Nationwide
Nationwide YourLife CareMatters as a Tool in Advanced Planning
Explore opportunities for linked benefit long-term care solutions outside the individual client market. Join us on 2/25 to learn:
- The value of using CareMatters in an Irrevocable Life Insurance Trust (ILIT)
- Long-term care — the new executive benefit
- Using CareMatters in buy/sell agreements
- Case study: Multiple needs met with one solution
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John Hancock
Wellness is a Snap with the John Hancock Vitality App!
Give your clients instant mobile access with the John Hancock Vitality App. Designed for iPhone and Android smartphone users, this mobile app keeps members engaged from anywhere.
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Accordia
Term Exchange Program Update
Accordia Life’s Guaranteed Term Exchange Program allows your clients to get valuable, permanent life insurance protection with NO UNDERWRITING. The attached piece has been updated with new eligible companies as of January 2016!
College Funding
What if a life insurance policy could protect a family and potentially help with education related expenses? An Accordia Life IUL policy can do that. The Lifetime Builder solution consists of funding the policy to grow the non-guaranteed cash values, accessing these cash values to cover college expenses, and having accumulated cash values when retirement age is reached. Read more.
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Rates
Lincoln
AIG
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North American
The New, Recharged NAC Income Choice Fixed Index Annuity
When it comes to top participating income designs, North American's newly recharged NAC IncomeChoice Fixed Index Annuity offers a potential solution that rises above many competitors. Download our newest Competitive Insight to see how our new Stacking Roll-up Credit "stacks up".
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3 Mark's Annuity Hot List
Click here for the latest version
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Annuity Fact Finder
Click here for a great Annuity Fact Finder
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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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MetLife
Underwriting News
New Technology in detecting calcium deposits may result in more favorable UW results! View the latest Underwriting Alert.
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Symetra
Policyholders who have purchased a fully underwritten single life term insurance policy from our
select group of carriers within the last five years may be eligible to convert that external term
policy to a permanent Symetra UL-G or CAUL policy. Learn More
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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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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.
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Zurich
January Underwriting Newsletter Click here
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AIG
Read the Feb 11, 2016 Edition of AG News by clicking here.
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North American
Effective February 9, 2016, SimpleSubmit e-app is available for Indexed Universal Life products. Learn about some of the benefits of SimpleSubmit by clicking here.
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Protective
Compliance Requirements for Life Insurance Illustrations
Click here to read the Feburary 15, 2016 Protective Life Bulletin
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Forethought
Reminder about investment advice
Click here to read the recent Sales and Marketing Bulletin
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