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3 Mark Financial, Inc.
3/2/2016
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Join Amanda Polasko from Protective Life as she Discusses IRA Maximization
Webinar Later Today 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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Too Cool for school?
How about IUL School? Learn more about IUL and how to sell it, as well as AG 49 Phase 2 changes in this four part live webinar series open to everyone from AIG. Learn More
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Prudential
Using Life Insurance to Protect the Mortgage
This new personalized prospecting flyer introduces to your clients the idea that life insurance proceeds can be used to help pay off their mortgage. Leverage this tool as part of an effective marketing strategy when meeting with new homeowners. Read more.
Pru is the Place for Your Largest Cases
Let Prudential be your go-to carrier for large cases. This flyer includes information regarding Pru's expanded capacity limits for your high-net-worth clients. Read more.
Planning for Retirement: The Growing Impact of Student Loan Debt on Retirement Security
On February 3, Prudential hosted a briefing on Capitol Hill to discuss the findings of a new paper, The Growing Impact of Student Loan Debt on Retirement Security, which examines the explosion of student debt and its affect on the retirement preparedness of both students and parents. Learn more and read the white paper here.
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John Hancock
A Long-Term Care Solution Built to Perform in Any Situation
A new flier in our Closer Look series (LTC-5559) examines how Performance LTC would perform if future claims experience is worse than expected. Also, see how the innovative Flex Credit feature is designed to stabilize policy performance by helping to reduce net premiums over time. Available to download.
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Accordia
Control Your Destiny
The benefits of an IUL policy like Lifetime Builder include the ability to provide death benefit protection and flexibility to use cash values for family needs such as college education, emergencies and retirement. Read more.
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Mutual of Omaha
Ready to Go Full Throttle?
Income Advantage, United of Omaha's brand new IUL product, will launch March 1, 2016. Get a head start with these helpful materials. Read more.
NEW Sales Concepts for IUL
We have two new sales concepts that explain why IUL is the right solution for a client's situation. Read more.
Strong Conversion Privileges
With Term Life Answers (TLA), your clients can convert into any permanent policy offered by United of Omaha - no questions asked. Read more.
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Symetra
Who Doesn’t Enjoy Being Charitable, Especially if it Doesn’t Cost Extra?
The Charitable Giving rider from Symetra is a free, no-cost rider clients appreciate. Available on GUL and SGUL, the rider provides an additional 1% of the death benefit to the client’s qualified charity at no additional cost. Learn more.
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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.
Video: The New Language of Estate Planning
With fewer estate holders subject to estate taxes, some people think estate planning is a thing of the past. But tax law changes have brought new opportunities for your clients.
Watch this video to learn how you can help clients start earlier to maximize their estate plan in both life AND at death. Watch video.
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Protective
Video: Get a Better Understanding of the Recent Changes with Social Security
An on-demand recording of our Social Security webinar is now available. Watch as Jody Harris, a Social Security Consultant who spent more than 34 years working for the Social Security Administration, provides an overview of how the Bipartisan Budget Act of 2015 will impact Social Security filing strategies and what that means for your clients. Watch now.
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AIG
Bet You’re on the Internet Right Now
How convenient! Since you’re here, go ahead and put up some posts or tweets to prospect generationally to Millennials… and don’t forget about those Xers! AIG has made it easy.
Know Anyone Married to a Foreign National?
Then this GUL 3 sales idea might be just what they need. Read more
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Nationwide
Meet Clients’ LTC Needs with Flexible Benefits
What are your clients' long-term care needs? What's important to them? With Nationwide YourLife CareMatters, your clients can have peace of mind knowing their monthly benefits are flexible and will be a fixed amount. Only cash indemnity benefits can offer guaranteed full monthly benefit without submitting bills and receipts and informal care with 100% of the benefit, including family or friends as caregiver. Read more.
Indexed Universal Life and Actuarial Guideline 49
Nationwide’s suite of IUL products continues to help you meet client needs. Join us to learn about:
- Competitively priced accumulation and income: Nationwide YourLife® Indexed UL Accumulator
- Competitively priced protection and guarantees: Nationwide YourLife® Indexed UL Protector
- Understanding March 2016 AG 49 changes to illustration disclosures and limits on leveraged loans
- What’s new on Nationwide’s Life Illustrator
Read more.
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Allianz
Understanding the Impact of Sequence of Interest Rates
Varying interest rates and the timing of these variations can have a significant impact on your clients’ policies’ cash value. That’s why it’s important to help educate your clients on the importance of careful policy management and how interest rate variations can affect their policy. Read more.
You’re Invited to an Exclusive Conference Call - March 3 at 2:00 p.m. Central time
Join us for a special conference call featuring Todd Petit, AVP Actuarial and Corey Luke, Sr Director Life Product Innovation, as they share important insights into selling FIUL in the post-Actuarial Guideline 49 environment. Learn more.
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North American
Cut Through the Maze
From automatically populating the right forms to scheduling the paramed, the SimpleSubmit e-app cuts through the maze associated with the paper life insurance application process. Our handy demo walks you step-by-step through the process that’s available for virtually all of your North American life business – even indexed universal life! Read more.
Video: Delivering the Difference
Is there any other company willing to invest to this level in your success? Committed to helping you grow your life insurance sales. Committed to partnership and mutual accountability. Committed to predictable, dependable service you can count on. Watch video.
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Rates
Protective
Principal
TheStandard
AIG
Lincoln
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North American
Increasing LPAs on NAC income Choice
When your clients can begin Lifetime Payment Amounts (LPAs) on the NAC IncomeChoice, they can now elect either level payments or increasing participating lifetime payments. Read more.
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Nationwide
What are your clients' long-term care needs? What's important to them? With Nationwide YourLife CareMatters®, your clients can have peace of mind knowing their monthly benefits are flexible and will be a fixed amount. Learn More
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Forethought
Great news! Forethought is introducing not just one, but two, fixed index annuities. Each product is designed to help your clients meet their targeted retirement needs. Read More
Forethought is still rockin' the FIA world, now with the addition of the BlackRock Diversa Volatility Control Index1 to our ForeFreedom SaversSM and ForeSpending SelectSM fixed index annuities. That's music to our ears! Learn More
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Allianz
Annuity News from Allianz Click here
Get to know ApplyNOW from Allianz. A fast and efficient alternative to paper applications.
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Athene
Elite commission special is available until the end of March, details attached.
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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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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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Zurich
Cardiac Case? Think Zurich
Heart disease continues to be the leading cause of death in the US, accounting for 1 in every 4 deaths, and affecting significantly more men than women.* With heart diseases so prevalent, odds are that you have a client that has cardiac history. Learn More
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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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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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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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SBLI
SBLI’s Fast Cases/Fast Money Bonus Program could earn agents $500 or more
in American Express gift cards – up to $5,000 total per agent! For every five term or whole life policies submitted through SBLI’s ZipApp™ (Applicint on the 3 Mark website) Learn More
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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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AIG
Read the Feb 11, 2016 Edition of AG News by clicking here.
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Forethought
Reminder about investment advice
Click here to read the recent Sales and Marketing Bulletin
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