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3 Mark Financial, Inc.
4/13/2016
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Performance LTC Thought Leadership Brochure
The new “thought leadership” brochure “Long Term Care Insurance: An Industry in Transition” takes an objective look at the factors that have created challenges for the LTC industry. It also provides an overview of what John Hancock has learned and how these insights have influenced the design of our innovative Performance LTC product. Performance LTC offers traditional coverage on a modern framework, resulting in a product that is both valuable and sustainable over the long-term. If you're interested in learning more about the coverage that we believe will re-energize the industry, you can download the brochure.
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Webinar: Health Care Costs in Retirement
Join Nationwide and Investment News on April 12 for the health care costs in retirement webinar, where you will learn how to discuss this sensitive topic with clients and the misconceptions of what is covered by Medicare. Register Now
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Adding ROP Rider to Recently Issued Policies
On March 14th we introduced our Return of Premium (ROP) rider. Since that time, we have received numerous inquiries regarding the ability to add the rider to recently issued policies. We are able to add the ROP Rider to an existing policy if the policy was issued on or after December 14, 2015. Contact Symetra for more information.
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Discover Generational Marketing and Share this video on generational issues with your clients today and make those issues actually work for you!
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An Essential Part of Business Succession Planning
No matter what type of business succession plan you're considering for a client, you'll need some idea what the business is worth. And we can help. With the Nationwide Business Valuation Tool, we can quickly and efficiently provide a reasonable estimate of your client's business value and show you how the various business valuation methods compare.
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What the last three months of volatility have taught me about life…insurance.
2016 is off to a very interesting start and the last three months have been extremely volatile in our economy. While volatility can be a negative, there are definitely some positives. t This is a time where the advice that you provide can really shine as your clients are looking for leadership and guidance. Join Lincoln on April 5 to learn about conversation starters for life insurance, how to effectively communicate the benefits of having a non-correlated asset, and more. Register Now.
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Under Promise, Over Deliver
Illustrating Accordia Life’s NEW Lifetime Foundation product with a low interest rate can help your client find a premium to maintain the death benefit and accumulate cash value without depending on high crediting rates. Which means you can “Under promise, over deliver” for your clients.
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Podcast: Are Your Clients Overlooking a Tax-Free Retirement Income Source?
Head over to Sound Insights from your mobile device and check out the latest episode: Are Your Clients Overlooking a Tax-Free Retirement Income Source? You'll hear a compelling life insurance strategy that, in addition to providing a death benefit, can help supplement retirement income when delaying Social Security.
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Video: Annuity e-App
Watch this video to discover how e-App means less paperwork, quicker turnaround and faster commissions.
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Watch a North American Annuity update Video: Big Things Happening in Annuities in 2016.
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Register for the Care Solutions Virtual University Webinar Series.
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A Multi-Year Option for Long-Term Savers
Get to know the American Pathway Solutions MYG. Discover a product that offers long-term protection with market value adjustment and multi-year guaranteed rate periods to choose from - five, six or seven years in New York, and from five to 10 years in most other states.
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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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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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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 and Annuity Marketing
Protective Life is dedicated to providing quality service, building trust and simplifying everything for you and our mutual customers. As part of that effort, we want to ensure you stay informed and compliant regarding regulations within our industry. Please review the following reminders about state regulations that may affect the processing of your submitted business with our company.
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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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