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3 Mark Financial, Inc.
5/4/2016
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Mutual of Omaha Webinar May 11 at 3:00 pm Central
Join us Wednesday May 11 at 3:00 pm central for a webinar with Randy Kuenzi, CLU, ChFC, LLIF, Brokerage Life Sales Director Mutual of Omaha. Randy will be sharing some sales ideas and product features that set Mutual of Omaha apart.
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Look no further, the Team at 3Mark has access to a new Fixed Interest Universal Life Insurance product, the Zurich Protection ULTM that is TOP QUARTILE among the top 12 universal life products when it comes to:
- Price
- Long Term Death Benefit Guarantees
- Target Premiums
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Saving is Simple with Vitality
The John Hancock Vitality solution provides your clients with the opportunity to save on their premiums and earn valuable rewards and discounts by simply living a healthy life. In fact, the healthier their lifestyle, the more they will save and the greater their rewards and discounts. Keep reading to see how easy it is to save!
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Put Life Insurance to Work
Learn how to build, protect and extend your clients’ retirement assets through their life insurance. Share this consumer-approved video on the "Financial Life Spectrum" with them and get a dialogue started. Discover more about Life Insurance and asset protection.
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Your source for the latest from Protective Life is Protective Today.
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Position Whole Life More Effectively with Words that Work
Believe it or not, whole life insurance accounted for a full 35% of all individual life insurance sales during the first quarter of 2014 - a 5% increase over the same period in 2013. As the appetite for whole life insurance continues to grow in the marketplace, the opportunity this permanent product solution presents is enormous. Read more from MetLife.
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IUL Full Throttle
We’re moving full throttle to bring you Income Advantage, our new Indexed Universal Life Product. Check out our Income Advantage cheat sheet and our invaluable training site, recently updated with even more IUL training modules! Visit DiscoverIUL.com.
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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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What Care Costs
Lincoln worked with Long Term Care Group to build a website for agents and clients to get information on the cost of long-term care so they can make more informed decisions. The site contains great and valuable information, such as the national, state and local averages for nursing home care, home health care and assisted living and projections about the future cost of care. Visit What Care Costs.
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American Pathway Immediate Annuity Now Includes Withdrawal Benefit
The American Pathway Immediate Annuity (SPIA) just keeps getting better. Now, eligible contracts will have the opportunity to withdraw up to 100% of the present value of remaining guaranteed income payments as a lump sum. Learn more.
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Annuity Fact Finder
Click here for a great Annuity Fact Finder
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Take the North American Income Challenge
North American has you covered with competitive income solutions to help with your clients' goals! Download Income Pay Plus consumer flyers to see how these rider features can help your clients in retirement.
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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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