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3 Mark Financial, Inc.
4/27/2016
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Discounts on Individual Disability Income for 3 Mark Financial Producers.
Your ability to earn an income may be your most valuable asset. Now you can protect your income at rates discounted by up to 25 percent, thanks to a 3 Mark partnership with Berkshire Advisor Resource and The Standard. Click here to learn more about this special offer.
To get started, contact Berkshire Advisor Resource at 800-530-2360 or dihelp@berkadvisor.com
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Webinar with Minnesota Life's Justin Schema on LIFT
How to help LIFT up your client's retirement income
Webinar later today at 3:00 PM Central
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New Sound Insights Episode - The Future of Life Insurance
Hear from Mark Hug, Executive Vice President, Product & Marketing for Prudential's Individual Life Insurance business, and Michele Frey Vice President, Product and Solutions Marketing as they share some of the exciting opportunities facing the life insurance industry. While the past decade may have been challenging, the future is bright and filled with possibility when it comes to reaching new markets and improving the customer experience. Listen today from your Podcast app on your mobile device! Check Out This Cool Episode
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New Ideas for Strengthening Client Relationships
Are you looking for fresh ideas to grow your business? Then check out the new life insurance advisors section of prudential.com. The site is built around three core segments: Solutions for Your Clients, Managing Your Practice and The Strength of Prudential. You'll find videos, articles, infographics, calculators and other tools to help you grow your business. Learn more from Prudential.
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Term Conversions: Good for Your Clients and Good for You
Term Life Answers has strong conversion privileges, which can benefit both the client and the agent. Learn why it's important to make sure you discuss the conversion privileges during the initial TLA sale. Read more.
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The John Hancock Vitality HealthyFood White Paper
The HealthyFood White Paper introduces this new feature of the John Hancock Vitality solution and takes a research-backed approach to the importance of healthy eating and its impact on living a longer and healthier life.
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Open Your Sales Potential with New Sales Concepts
Put fresh life insurance sales ideas to work. From brochures to videos, access our latest educational and marketing materials—even on the go! Features include a robust sales concept library, comprehensive product information and social media training and tips. Link to NA resources
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Better for You, Same Low Premiums for Clients
With new rolling targets on Symetra UL-G, CAUL, and SUL-G Universal Life Insurance, the window for meeting target premiums is now two years! Rolling two-year targets give you added flexibility, and your clients get the same low premiums they always have. Symetra.
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Sales Idea Resource Library
Protective's new sales tool is up and running at www.sellwhatmatters.com. Built for you, there are more than 20 materials available at your convenience to customize and share at the click of a button—for FREE.
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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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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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John Hancock Makes Life Insurance Available to People Living with HIV
John Hancock is pleased to be able to offer term and permanent life insurance coverage to applicants living with human immunodeficiency virus (HIV) if they meet certain criteria. This change is in keeping with John Hancock’s awareness of medical advancements, progressive approach to impaired risk and continued commitment to its customers. More from JH
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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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eDelivery Incentive Program
Great news! Lincoln is offering a financial incentive to IDA Agencies to encourage eDelivery of all life insurance policies. The program includes all life insurance products, regardless of how they were submitted, and runs from June 1, 2016 - December 30, 2016. Please review this document for details.
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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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