3 Mark Financial, Inc.

5/25/2016

Life Insurance As An Asset Class Webinar with Voya Financial

Later Today At 3:00 PM Central

Your clients have worked hard to build their assets and net worth.  At death they'll pass on the assets they haven't used.  Life insurance is one asset that can be more efficient in passing on value than others.  Join the webinar to learn why.

3 Mark Financial Introduces eTerm Express Powered by eLife, LLC

From Quote to Policy Issue in 15 minutes.

The eTerm Express online application can be approved in real time within minutes, followed by instant policy delivery via email to your client!

eTerm is available for people age 18 to 65, for premium periods of 10, 15, 20 or 30 years with multiple classes, and for face amounts from $100,000 to $500,000 (a maximum of $350,000 between ages 51 and 65).

Approval for a policy depends upon the applicant’s answers to an online health review in the application and virtually instant review of pharmacy history, MIB and driving record.  

Contact a member of the 3 Mark Sales or Marketing Team for more information at 888-533-6275 and click the Watch the Video button to view the introductory video.  

Indexed Interest Multiplier

IUL uses the performance of market indexes to calculate the interest credited to your policy.  Nationwide offers a special feature, the Indexed Interest Multiplier, on select indexed interest strategies within some of our IUL products. If you’re looking for a way to potentially increase the interest credited to your IUL — that’s guaranteed by the insurer — then the Indexed Interest Multiplier from Nationwide may be for you. 

The Power of IUL

What makes indexed universal life (IUL) an attractive option for individuals looking for cash value life insurance? Protection from negative interest crediting due to declines in the index. One of the advantages of our IUL products is the point-to-point reset used in measuring the movement of an index. Our Indexed products also offer a guaranteed interest rate of 2% Feel free to download the attached piece to check out the "Power of IUL".

More Flexibility Than a Term Policy Can Offer

Many clients choose term life insurance because it’s an affordable, simple way to meet protection needs. Did you know Protective Custom Choice UL also meets this need, but with even more flexibility to tailor a payment schedule that fits the client's situation? 

Video and more: Build an Income Bridge

For your clients nearing retirement, deferring Social Security benefits until age 70 could increase their monthly benefits by as much as 32%. Consider deferring Social Security until a later date using a period certain annuity income bridge strategy.

Addressing Clients’ Concerns in Any Market: Conversation Guide

If you and your clients are feeling anxious right now, you’re not alone. January 2016 was the worst month for equities since May 2010. Between oil prices, China’s economy, interest rates, and myriad other factors, no one knows for certain what the markets will do next week—or next quarter. In times like these, remember to share some optimism with your clients: You’ve added annuities and insurance solutions to their retirement portfolios, which are designed to help manage risk during all types of markets. 

A Balanced Solution to Clients’ Needs

When it comes to life insurance, clients often seek the highest level of protection coverage that won't exceed their budget. This Balancing Act concept demonstrates how offering both term and permanent coverage can provide clients with a cost-effective solution that meets their needs.  View the Balancing Act eKit.

Presenting the Future of Underwriting

Accelerated underwriting from SBLI provides you with an innovative, faster process that is simple and convenient for both you and your clients.

Premier Pricing Your Clients Deserve

As if Symetra UL-G premiums weren’t already low enough, take a look at our LPB Premier pricing—it’s best in class!  Designed to provide lower premiums on your larger cases, LPB Premier premiums average 6-10% less than the No. 2 ranked guaranteed universal life insurance carrier. 

Lincoln AppAdvantage - eApp Tool for Annuities

Lincoln AppAdvantage, an e-application, expedites the business submission process, increases in good order submissions, and allows for the use of e-signature. Flyer & Step-by-step guide. 

 Video: Annuity e-App

Watch this video to discover how e-App means less paperwork, quicker turnaround and faster commissions.

The Lincoln Leader for fixed annuities. Get the latest Lincoln fixed annuity updates, including details of a new marketing campaign. 

Annuity Fact Finder 

Click here for a great Annuity Fact Finder

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.

1. 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.
2. Attach a copy of a current policy/ account statement for the funds being transferred to the 1035/transfer document.
3. Complete the 1035/transfer form carefully and completely. Be sure all necessary signatures are obtained.
4. Send original transfer forms with the application to 3 Mark for processing.

Agency Services is Committed to Delivering the Difference

From speedy contracting to paying commissions accurately and on-time, helping you grow your business is what it's all about for North American's Agency Services team. But what drives their commitment to Delivering the Difference for you? Watch their new video to find out. 

New Client Video: Preparing Your Clients for the Underwriting Process

Check out the latest animated client video, “The underwriting process: What to expect when applying for life insurance.” Help prepare your clients for the underwriting process and share this short, informative video. Together, we can help make the process smooth and seamless for your clients.

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.