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3 Mark Financial, Inc.
4/06/2016
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Help Small-Business Owner Clients Protect the Life of Their Business
It’s good business to plan ahead. Life insurance can provide an income-tax-free death benefit to your clients’ beneficiaries. It can also help cover many other small-business needs and serve as an excellent employee retention tool. Are you prepared to discuss these needs and solutions with your small-business clients? Allianz business life insurance brochure provides an overview of common business strategies that may be appropriate for your clients.
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Put Your Sales in Play with These Conversion and Exchange Programs
Opening Day was this past weekend! If you’re looking for ideas to help hit your sales out of the park, the popular Permanent Exchange and Term Conversion programs from Symetra can have you batting a thousand.
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Help your client view Life Insurance as an asset with this new Financial Life Spectrum video.
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How to Market 25-Year Term
100 million Americans are without life insurance protection. Here are some case studies to help close the coverage gap.
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John Hancock Term 20 - Climbing the Charts
We’ve made significant improvements to our rates for Term 20. Take a look at our new rankings!
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Simple Submit e-App: Now Available for All Your North American Business
Use SimpleSubmit e-app for virtually all of your North American business! Access SimpleSubmit e-app from your MGA’s website or, if your MGA doesn’t offer SimpleSubmit, click on the “Submit an e-app” button at www.NorthAmericanCompany.com.
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Prepare for Life's Changes with the GRO Rider
It's an exit strategy that puts your clients in control. Learn more about how our Guaranteed Refund Option rider works and when your clients have the option to get their premiums back.
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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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AIG's member life insurers, underwriters, and medical directors will use the Gen Re manual to underwrite clients with Coronary Artery Disease (CAD). This means you may begin seeing more competitive offers on clients with mild to moderate CAD histories.
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Protective
Updated Underwriting Guidelines
Protective Life Insurance Company is announcing updates to our underwriting guidelines regarding Foreign Travel & Foreign National Guidelines. The new guidelines will be applied to applications received March 1, 2016 and after. 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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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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AIG
Overnight Addresses for Annuity Premium Updated
Lockbox addresses have been revised to accommodate character limitations through certain parcel carriers. Effective February 17, 2016, we implemented new mailing addresses and lockbox information for paperwork with premium (check) and wiring of funds for our suite of fixed, income and index annuities. Read more.
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