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3 Mark Financial, Inc.
4/20/2016
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Deduct up to 3 Tables
The Accordia Life Credits program provides an individualized underwriting approach for each potential insured and applies credit based on favorable health facts. With this approach, all submitted permanent life insurance applicants under the age of 81 are eligible to receive underwriting credits that can reduce a subjective rating up to three (3) tables. Accordia Life can apply credits from Preferred to Table 8.
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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.
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Great Reasons to Send AIG your Business
To improve your overall underwriting experience, we've increased underwriting staff and empowered them for quicker decisions and turnaround, increased responsiveness and communication, and are providing more competitive offers. Read more in a letter from AIG’s Chief Underwriter.
A Crowd Favorite Returns
Life Insurance Needs Analysis Brochure now updated with 2016 Social Security info – see for yourself why it's a fan favorite with producers and clients.
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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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Video: Building on our Momentum, Together
Your partnership helped us achieve a lot to be proud of in 2015. Together, we helped America prepare for and live in retirement by offering tools, resources and solutions to help solve the most complex retirement challenges. Watch this short video featuring Kirt Walker, president and COO of Nationwide’s financial services business, as he shares more about the year’s most exciting highlights.
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4 Winning Accumulation Strategies
Taxes, low growth and market volatility could be getting in the way of your clients reaching their top priority: accumulating sufficient assets for retirement. Lincoln has retirement planning strategies and solutions tailored to your client’s concerns to help them get where they want. Click here to learn more about strategies for risk-averse clients, high net worth clients and couples, and clients how max out retirement plan contributions.
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Get Ready for SBLI’s New Accelerated Underwriting Process
Are you ready for this? Effective Monday, May 16, 2016 all level term cases with the following parameters will no longer require a medical exam or fluids:
- Face amounts of $500,000 or less
- Age 18-60
- All risk classes
Get ready: to take full advantage come May 16, you need to have an account with either EMSI or APPS for your fulfillment. Learn more from SBLI
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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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