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3 Mark's In The Loop Newsletter

3 Mark Financial, Inc.

October 20, 2021

Join Amanda Fleskoski for :

A Tale of Two Terms

This Afternoon at 3:00 pm Central

Reserve my seat

We understand that one size does not fit all for your clients, when it comes to life insurance.

You may have clients just starting their career and family, and need short-term protection with inexpensive premiums.

Or, your clients might be looking for a bit more flexibility and coverage, without losing sight of their budget.

Join Amanda Fleskoski to learn about Protective's short-term life insurance solutions.

Explore this opportunity with us and learn how Protective Life Insurance can help!

Scary Good Rates That You Will Appreciate

We’re making rate reductions, especially in the Preferred and Standard classes, which means more #1 pricing than any other carrier. Get the details.
 
We’re In a New York State of Mind

As announced last month, we’ve added 35 and 40-year term options to our OPTerm product in New York. Check out our marketing resource library for all things New York.

Get the Facts and Debunk the Myths for You and Consumers

Clients have all kinds of misconceptions about life insurance. We’re taking on 4 common ones in October. You’ll get three new pieces to help you on the Trimester Resource Site–two for you and one for consumers. The consumer digital experience can be shared with clients with a click of a button. The Black Consumer Market digital experience gives you facts, tools, conversation starters, and more to help you bring financial security to this underserved market. Lastly, there’s a new flyer that shows, in no uncertain terms, how life insurance strengthens your business. Learn More.
 
In NY: Changes Are Coming to VUL Protector & SVUL Protector

On October 18, the pricing and No-Lapse Guarantee adjusted on both VUL Protector and SVUL Protector in New York. Both products continue to offer great protection, cash value accumulation potential, meaningful no-lapse guarantees, and diverse underlying investment options. Learn More.

Risk Reset

Even as we slowly emerge from the COVID crisis and the economy continues to “normalize,” a perfect storm of low interest rates, rising inflation and ongoing market uncertainty has descended to put significant pressures on Americans attempting to allocate the fixed-income portion of their retirement strategy.  Are your clients “risk ready?” Read more.

New Allocation Index Strategies can help clients achieve their policy goals

If your client’s policy is designed for income distribution or policy duration, achieving level performance over the long term can be challenging.  Symetra Allocation Index (AI) Strategies, available with Symetra IUL products can help.  See how.
 
Generate More Sales with Our Advanced Sales Concepts

Clients can have a variety of financial needs depending on their stages of life. Help provide them solutions for each stage with our advanced sales concepts. Check out our enhanced Advances Markets website and see which concepts are right for you.

Look for these new enhancements to help you end the year strong, beginning October 18

Register for our exclusive October 20 webinar to hear all the details.

Looking for creative ways to help pay off your holiday bills?

American National has Holiday Cash Bonus programs for both life and annuity sales. Bonuses up to $3,000! Get the details.

Advanced Markets Alert: Proposed Changes to ILIT

How might the proposed changes to the exemption amount and the grantor trust rules effect the use of the irrevocable life insurance trust (ILIT)? Learn More.
 
Products Built for Times Like These

When times are tough, you need financial products that work in today’s world. Columbus Life remains committed to offering a competitive portfolio of life insurance and annuity solutions to help meet your financial goals. Now’s the time to look for features and benefits you can count on. Find Out More.

7702 changes go into effect Nov. 1 for SecureCare UL 

Effective November 1, 2021, the guaranteed interest rate on new SecureCare Universal Life (SecureCare UL) applications will be updated to comply with the Consolidated Appropriations Act of 2021, which lowers the interest rate assumptions used in Section 7702 of the Internal Revenue Code. Learn more.

Proposed Tax Changes on The Way

If passed, what could these changes mean for wealthy clients? Download your free copy of a White Paper and PowerPoint producers can use to help explain some potential impacts of these proposals to their clients. Join us for a special webinar on this proposed legislation featuring Amy Bryant, Advanced Sales Counsel; Thursday, October 21, 2021; 2:00 pm ET.

Why Special Needs Children Market Is Worth Exploring

By understanding the unique challenges families with special needs children face, advisors can help them prepare for their financial future with a personalized estate plan. Parents welcome an advisors guidance and we have tools and resources to support their conversations. Get marketing material.
 
SecureCare RVP/Internal Wholesaler Territory Map - Updated

Don’t Miss These Overlooked Resources

North American has tons of great content for you to use throughout the sales process.

Do your clients know about living benefits?

Make sure you share the power of living benefits as part of applicable North American life insurance policies. Get informational pieces for you, and client-friendly pieces for you to use with prospects or existing clients. Get materials
 
It’s National Retirement Security Week

Share our client-friendly retirement planning blog posts this week to help get clients thinking about the importance of planning ahead.

Join Us and Let’s WIN Together

We invite you to be a part of our Women’s Inclusion Network (WIN), a growing community of bright, forward-thinking women and men working together to grow their business and industry knowledge; be a catalyst for leadership development, inclusion, and diversification; and empower the growth of women in financial services. Learn more.
 
IUL Rates to Change November 15, 2021

The volatile economic climate continues to present challenges for life insurers. As a result, NLG will lower indexed universal life cap and participation rates for our S&P 500 strategies. The participation rate for our Credit Suisse strategy will not change. See rate change announcement.

New Accumulation IUL

Our repriced Accumulation IUL now offers even better cash value accumulation and retirement-income potential. Beyond standing out in short-pay scenarios, the new Accumulation IUL also provides:

  • Improved income potential for clients ages 50+
  • New Barclays Global Multi Asset Indexed Accounts, providing diversification across asset classes and geographic regions and allocating among the components with managed volatility and daily risk control
  • New Cash Value Enhancement rider that allows higher early cash value potential — up to 90% of first year cash value

Improved Online Payment Tool

We've made some exciting improvements to our electronic payment option, John Hancock ePay, making it easier than ever for your customers to pay their life insurance premiums online. If you have customers who submit checks, encourage them to use this convenient service. Learn More.
 
A Winning Sales Strategy – The “Bronze Guarantee”

Take advantage of our “Bronze Guarantee” sales strategy on JH Illustrator to show your clients how Protection VUL offers a competitively priced guarantee to age 100 AND the opportunity to save up to 25% off that guaranteed premium by engaging in John Hancock Vitality. Learn more.
 
Offering IUL Clients a Proven Strategy for Stability

See how the positive segment returns delivered to our IUL policyholders over this past year – combined with the stability of our cap rate – has led to strong customer value and consistency compared to competitors. Learn more.

MassMutual’s New Whole Life Portfolio Overview: Thursday, Oct. 21 – 12:00 p.m. ET

Launching in November, MassMutual’s new Whole Life portfolio will continue to offer permanent life insurance protection, income tax advantages, and historical dividend results demonstrating exceptional long-term value. And with recent changes in the industry, MassMutual’s new product portfolio in general will offer:

  • Cash Value Accumulation
  • Guaranteed interest rates are reduced
  • Premium Funding Limits Increase
  • Greater Pricing Flexibility

All this backed by MassMutual’s financial strength ratings. Join us to learn more. Register for this webinar.

Cash Value Growth with Downside Protection

In addition to chronic illness coverage, Protective’s IUL gives clients a balance of guaranteed death benefit protection and cash value potential while earning interest on growth in the S&P 500 Index. Download our flyer to see why Protective’s IUL gives the best of both worlds
 
Looking For a Reliable IUL?

Do your clients understand the importance of an Indexed product that is reliable, flexible and from a company they can trust? Check out our webpage to view and share our video highlighting Protective’s Indexed Choice UL, its features and why it can be a great solution for your clients.

IULs Designed with Simplicity in Mind

At Mutual of Omaha, we have IULs designed with simple to understand crediting strategies, for whatever your clients personal insurance needs may be. Continue reading.

Death Benefit Only Plans (life insurance)

Offer businesses a simple and affordable benefit for their key employees. Principal Death Benefit Only (DBO) and Death Benefit Only (Tax Exempt) plans enable businesses to promise select employees that in the event of their death–while covered by the plan–a death benefit will be paid to their beneficiaries.

The Washington Update: Estate and Tax Changes

Lincoln’s Advanced Sales team has been anticipating estate and gift tax changes that could happen at any time this year. Learn more about the potential changes to grantor trust rules.

The Nationwide Difference

See all that Nationwide is doing to deliver competitive products and evolving processes, in a quick minute video.
 
Update:  Life Sales Pending Tracker Enhancements

In order to more efficiently process Life business, we have made enhancements to our Life Pending Tracker tool, available on our website.  Here is the latest news and step by step guidance.
 
Nationwide Market Insights:  Quarterly Report, Q4 2021

Hear our perspective on the market and economic forces influencing investment planning and retirement, with Nationwide’s Deputy Chief Economist Bryan Jordan (podcast).

View the full report (which he discusses):  Nationwide Market Insights, 4th Quarter 2021.

AboutMe Online Health History Enhancement

Pacific Life recently updated the process for AboutMe online health history process to offer a more seamless experience for both you and clients.  Learn More.
 
Adapting to Sell Life Insurance in a Changing Landscape

As buying life insurance online becomes more popular, your role as a knowledgeable financial professional to help navigate and guide could be more important than ever. See how to adapt your expertise and skills to an online world in latest Broad Market Insights.
 
Life Insurance is a Long-Term Commitment

Over the past few years, more and more carriers have left the industry or announced they want to divest their term life insurance business. Before you choose a carrier, consider their commitment to the marketplace. Are they in it for the long haul? Life insurance is a long-term commitment. The carrier you choose matters. Learn more.

Introducing the Affordable Solution for the All-Important Family Market

Flex Whole Life with a Term Combo is the Budget-focused Solution for young families. Many new families have student loans, car payments, mortgages and the cost of raising children. Flex Whole Life is designed to support families’ lifestyles, provide financial security and safeguard dreams for the future. See more details.
 
SBLI Term-At-A-Glance

SBLI Brokerage offers a complete range of guaranteed level term insurance options providing both affordable protection and adaptability to meet your clients’ varied needs. Download SBLI Term-At-A-Glance.

New Sales Idea: Middle Market Clients

Understand middle market buyers - their motivations, needs and hesitancies when it comes to LTCi. View the Sales Idea.

Need a New Consumer Approved LTC Presentation?

Check out OneAmerica's One Choice consumer approved presentation. Your clients are only one choice away from changing their lives and the lives of those they love. Utilize this presentation to help illustrate the importance of LTC planning.

See the Power Series of Index Annuities with Lifetime Income Choice (Max Income Option)

Use our tool to compare the retirement income generated by Max Income to that of a similar annuity product with a flat or level income withdrawal rate.
 
The Power Series of Index Annuities Range of Outcomes Calculator

Calculate the hypothetical range of interest outcomes that an index annuity may generate based on index annuity term, number of years of historical S&P 500 returns, and the index rate cap percentage. Visit the calculator today.
 
Fast. Personalized. Easy.

Providing tools designed for simplicity – quickly estimate clients' future income. Use our Assured Edge calculator.

A Choice Accumulation fixed index annuity offers an optional death benefit that provides guaranteed 7% growth for up to 15 years to help maximize legacy planning. With an opportunity for guaranteed growth like that, your clients might rest a little easier knowing that their loved ones can plan to have something for their future. View Case Study.

Let your clients know that you can assist with their Inherited and Stretch IRA needs by providing our new Inherited/Stretch IRA brochure.

October is National Retirement Security Month

Have your clients considered their retirement security lately? Guaranteed income can help give them retirement certainty. Now is the perfect time to show them how an annuity can help produce continual income, guaranteed, no matter how long retirement lasts. See Our annuity lineup.

In The Loop Underwriting New Business

Updated Underwriting Guidelines Available

The Life Underwriting Guidelines have been updated, effective October 1, 2021. Review guidelines.

New Horizon benefit: Now you’ll be ready for your next $2M client

Using our digital application with its ultra-fast decisions, reduced cycle times, and greater flexibility will make life easier for you and your clients. We're excited to be expanding the ability for your clients to have more APS/exam-free approvals. Find out more.

Expiring soon: Lincoln VULone Suite Enhanced Underwriting Program

The submission deadline for the enhanced underwriting program is October 29, 2021 for the enhanced underwriting program for Lincoln VULone and SVULone cases. Don’t miss this opportunity. Read more.

Principal Business Solutions Enhanced Underwriting Program

At a high level, the program is an extension of AU, designed to underwrite more individuals without insurance exams at higher face amounts. We’ll leverage both digital health data and the traditional Attending Physician Statement (APS) for this program. Learn more.

E-Policy Delivery Program: An integral part of SBLI’s end-to-end digital process

With SBLI’s E-Delivery Program there is no face-to-face contact necessary! Policy and delivery requirements can be accepted, signed and paid for by the client online. Find out more.

Carrier Year-End Processing Guidelines

AIG Year-End Processing Dates

We’re ready to work closely with you on your pending business and help you have a successful close to 2021. Please use these dates to plan ahead. Read our bulletin to learn about our key year-end dates.

Prudential Year-End Important Dates

Year-end is an exciting time of year, and we want you to be aware of some important dates, as well as best practices, to help make this year-end a successful one. As always, if you have any questions, please contact your Case Management team. Learn more.

John Hancock Important Year-end Reminders

The countdown to year end is on and our focus is on helping you achieve a strong finish. For cases you are targeting to include in your 2021 sales results, please note our key submission deadlines.

Make sure your Nationwide life insurance and CareMatters cases count for 2021 production.

Learn the key dates to get your cases placed by year-end

Lincoln Underwriting and New Business 2021 Year-End Guidelines

The 2021 Year-End guidelines are here. Read up on how to best prepare to close out the year.

2021 Year-End Procedures for Pacific Life's Promise Products

It's time to prepare for 2021 year-end closing. As always, our goal is to make this a successful year-end for everyone. Check out our important dates and information about year-end closing.

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