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3 Mark's In The Loop Newsletter

3 Mark Financial, Inc.

December 8, 2021

Help Clients Determine Their Right Retirement Timeline

There are several key retirement ages that your clients may want to keep in mind as they plan for retirement. Take a look and talk with them about the right retirement timeline. Learn More.
 
5 Tips for Doing Business Virtually

Discover how Columbus Life’s digital platform can help you deliver the same level of service that clients have come to expect. Learn More.
 
Help Protect Our Families: How to Sell More Life Insurance

We asked some of the best minds in the industry how to sell more life insurance. Here is what they told us. Find Out More.

Exclusively for iPipeline users

It’s official – all iPipeline users now have access to the fast and seamless Horizon Experience. Find out more by reviewing our step-by-step guidelines or taking a tour of our library of resources. Welcome to Horizon.
 
Join us at NAILBA 40

Ready to learn more about innovation and technology in the life insurance industry? Join our virtual panel on December 8 at NAILBA 40. Find out how.
 
Life Insurance Check-up

As you help your clients plan for 2022, now's a great time to help them review their life insurance beneficiary selections. We've got resources to help. Learn more.

Interest crediting rates updated effective December 4.

Changes are minimal to new business and inforce policies. Read the bulletin and view interest rate flyers to learn more

Internal Revenue Code 7702 disclosures

Beginning in January, a disclosure of IRC 7702 changes will be added to the cover page of IUL, GUL and VUL annual statements sent to policy owners. Learn more.

Take a look at our 'napkin' sales ideas:

These and much more (e.g. Advanced Sales resourcesBusiness Development InstituteAMO reference libraryGeneration Station toolWho do you know?) can all be found on retirestronger.com.

Economic and Market Outlook from Ed Campbell

CNBC regular Ed Campbell will share his insight in this exclusive webinar. He’ll give you the inside track on the impact of legislation changes, what moves the Federal government might make, projections on bond yields, why a pro-risk investment strategy may continue, and much more. Join us Thursday, December 9 @ 2:00 P.M. ET.

Symetra AI Strategies: Built to perform over the long term

We designed our Allocation Index (AI) Strategies to help clients achieve or exceed their illustrated policy performance by allocating their funds to either the uncapped S&P 500 or JPMorgan ETF Efficiente 5 index accounts based on the level of market volatility. Learn more.

Term insurance: A simple option to help meet a range of protection needs

Offer key person insurance to help protect against the loss of top talent. Then, use our key person calculator to provide your clients with a personalized quote.
 
Principal Business Needs Assessment (advisor approach)

This innovative, digital resource allows you to approach more business clients and prospects so they can uncover planning needs to help protect their financial well-being and prepare for the future. Simply navigate to our new landing page specifically for financial professionals. You can choose from two approaches to connect with business owners:

  • Send an email to have them complete these assessments on their own. Then, their results will automatically be emailed back to you for your follow up with them.
  • Access a direct link that allows you to complete these assessments virtually or in-person with your clients or prospects.

Learn more  |  Use it today

Updated materials for Smart Builder IUL 2

Looking for an indexed universal life (IUL) insurance with early potential cash value accumulation? Check out Smart Builder IUL 2 and our updated marketing materials:

Preparing finances for a new year
With 2022 just around the corner, it’s a good time to remind clients about the importance of reviewing their finances. Share our new blog post to help clients prepare.

The Importance of Financial Literacy

Why is financial literacy important for your clients? Understanding financial strategies is key to keeping on track for the future. This client-friendly insight article from PacificLife.com explains basic concepts such as budgeting, savings, spending, and more. Share with your clients.
 
2022 Adjusted Estate Planning, Business Planning and Qualified Planning Amounts

The IRS recently released the 2022 adjusted estate planning, business planning and qualified planning amounts. Learn more in the latest ADU Update from Pacific Life.

Flexible and Affordable

SBLI Life Insurance Offers a Range of Riders for the Road Ahead. These flexible and affordable policy add-ons allow you to personalize your client’s life insurance policy to meet their unique concerns and goals.
Get more information and check out our customizable marketing piece.
 
Help Agents Communicate with Clients

Finally, insurance that doesn’t require a home visit. A great way for clients to learn about our fast, less invasive application process. A consumer-flyer makes it easy. Learn more.

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.

Extended Guarantees– No Additional Cost for Premiums paid over Lifetime

With Life Protection Advantage IUL, your client pays the long-term no-lapse protection premium and they receive a meaningful guarantee period at a competitive price. Read more about how you can provide your clients Protection Through Life.
 
Living Promise Prospecting Postcard

Promote Living Promise Whole Life (Final Expense) to your prospect list with this customizable postcard. To customize your order contact sales.support@mutualofomaha.com.

New Whitepaper by Tom Commito – Tax Update: November 2021

Advanced Sales team consultant, Tom Commito, shares the latest developments that may impact taxes as we approach 2022. Read the whitepaper.
 

How long should the New Business process take? We can tell you.

As part of our new Life New Business Service Model, we want you to have a full understanding of the service level timeframes in each step of the process – from sending in an application to the point that we issue a policy and send it to you for delivery. Learn more about our timelines.
 
Mohamed El-Erian replay now available

Get insights from Dr. Mohamed A. El-Erian, best-selling author and one of the world's most influential economic thinkers. This replay of his recent conversation with Allianz president and CEO, Jasmine Jirele will be available until December 18, 2021. Listen now.

Securian.com Financial Professional Pages Live

Our expanding product pages outside of log-in now include Premier VUL and Eclipse Accumulator IUL complete with competitive resources and sales ideas. Check them out.
 
Hot Topics Video Series – Pending Business Status

You are busy and it’s important to get updates on your policies! This tutorial walks through how to get details on your cases real-time without waiting for emails or phone hold times. Watch now.

American National has made it easier…

… for both agents & agencies who use Winflex to get access to our run illustrations.  Learn more.

Helping to build next generation's financial future

Children outgrow clothes, toys and many of the other gifts they receive. A gift of whole life insurance by a parent or a grandparent is an enduring gift that will truly last a lifetime. Talk to clients about how they can make a gift of a lifetime with MassMutual whole life insurance. We’ll show you how. Review the Brief or check out our new digital hub.

Build More Cash for a Retirement Buy-Sell with our New 7702 10-Pay product

The new MassMutual Whole Life 10-Pay is ideally suited to help business owners fund retirement buy-sell plans, which offer them efficiency as both a buy-sell arrangement and retirement savings using life insurance. Check out the sales concept.

Life Pending Case Tracker

Learn more about the enhancements we have made to our Life Pending Case Tracker in this short 5 minute video. 
 
Business Valuation Resources

If your client was forced to transition your business today, would they be ready? Start with a complimentary review. Learn more.
 
A strong succession plan starts here

Here is an easy to complete worksheet that will guide the conversation.

Get a jumpstart on 2022 with insights from Advanced Markets

In this episode of "Hancock Talks," we focus on the estate-planning landscape and the impact of potential tax legislation, both today and during the year ahead. Listen.

Top reasons to close out the year with John Hancock VUL

Over this past year we’ve made our variable universal life (VUL) portfolio of products stronger than ever – providing a highly competitive combination of guarantees, tax-free growth potential and innovative living benefit riders designed to offer your clients long-term value. Check out the top reasons to offer our top-notch VUL portfolio to your clients today. 

Update on Protection SUL

Please see the important changes we are making to Protection SUL.

Generate Sustainable Prospecting Activity for the Year Ahead

What’s your marketing and prospecting plan for 2022? Join WIN Leadership and Jennifer Vinovich, Director of Marketing and Client Services for TrueWealth Advising Group, for strategies to help you generate sustainable prospecting activity for the year ahead. Learn more.
 
Are You Ready for the New DOL Fiduciary Rule Enforcement?

The Department of Labor revised the fiduciary rule and enacted it in February 2021, enforcement of this rule was delayed until December 20, 2021. As this deadline approaches, it is important that you understand how it impacts you and your business practices. Learn more.

Sales Idea: Ideas to Help the LTCi Conversation

Our guide will help you start the long-term care insurance conversation with your customers, and also help address some of the potential objections you may receive.

In Case You Missed It: New Consumer Video

Use this inspirational video with clients to help convey Mutual of Omaha's enduring commitment to LTC. 

Reminder: Resuming Individual LTCi Sales in the State of Washington

Effective today, December 1, 2021, Mutual of Omaha will once again be accepting individual long-term care insurance applications from the state of Washington. Learn more.

Care Solutions state licensing guide

Access our OneAmerica Care Solutions state licensing guide quickly and easily.
 
Leading Tomorrow with OneAmerica Brings the C-Suite for 2021 Finale

For this year’s final Leading Tomorrow session, we will hear from four members of the OneAmerica Executive Council. Watch this video to learn more about their upcoming session. And if you haven’t already signed up, claim your spot. This session is exclusively for financial professionals and will be held on Thursday, Dec. 9, at 2 p.m. EST.

Start the long-term care conversation today

Preparing a comprehensive financial plan should include discussions about “just-in-case” scenarios, such as how your clients would handle a long-term care event if it should occur. Download our guide to address these questions and consider how a single-life permanent life insurance policy with a Long-Term Care (LTC) rider from John Hancock offers a very meaningful solution.

See the current Index Rates and Sales Ideas…

…for The Power Series of Index Annuities from AIG Life & Retirement.
 
Index Annuity Rates Renewal History

Take a closer look at index renewal rates for The Power Series of Index Annuities.
 
The Assured Edge Income Achiever Placemat AND Calculator

Download our Placemat showing an example of how clients guaranteed income withdrawals can increase every year that withdrawals are not taken. AND, the Calculator is an online tool that helps advisors to quickly estimate what the client’s future lifetime income can be.  Access the Calculator.

How to help baby boomer meet their changing retirement needs

Nearly 10,000 baby boomers a day turn age 65. Are you ready to help answer one of their most important questions: “How do I make what I’ve saved last as long as my retirement?” Read the 3 Minute Article.

Help make your application process with Athene flow smoother.  Athene has created a guide that shows the Top 5 reasons for Suitability NIGO and the Top 5 reasons for Suitability Decline.  View the guides.

A new month mean updated annuity rates

Thankfully no changes this time but you still might need to see them. Take a look.

You can use the engaging assets in the new "Risk Reset" campaign from Global Atlantic to talk to your clients about the potential impacts of low interest rates, rising inflation, bond value risk and market volatility on their retirement plans. View the video.

American Equity’s Identifying Retirement Income Gaps worksheet is a client ready worksheet.  This helps guide your clients through thoughtful exercises, complete with useful statistics, to help them as they consider their financial plan.  Download the Worksheet.

New rules create big changes for IRA beneficiaries.  Laws for inherited/stretch IRAs were revised in the SECURE Act that went into effect January 1, 2020.  View the Inherited/Stretch IRA Rules.

In The Loop Underwriting New Business

Agile Underwriting + Expansion: Age and face amount increasing

Our Agile Underwriting+ program is expanding to encompass cases through age 59 and with a face amount of up to $2 million. Also, an agent-completed Part B is accepted for some cases. Learn more.

Great News

Express underwriting just got better, 61% fewer medical exams with Xpress Underwriting. Learn more.

eValuate Underwriting Quote Process

Coming Soon! Time is valuable and you shouldn’t have to wait for quotes. We’re working to offer access to eValuate, a tool which provides quotes in minutes. Launching in early 2022, it will provide fast quotes for various impairments, dynamic quoting-as more data is entered quotes auto-update, & ability to see multiple carriers’ quotes by class. (Unavailable for SecureCare UL). Watch for more info on this exciting new tool.

SBLI Accelerated Underwriting Digital Process in Action

SBLI’s Accelerated Underwriting process is a key part of our end-to-end digital process that guarantees no face-to-face contact. Advantages include:

  • Guaranteed accelerated process for everyone
  • No fluids, no exam, ever
  • E-sign and e-delivery

Get the details.

Special Underwriting Program

Effective October 11, 2021, for a limited time, all eligible standard MoneyGuard Market Advantage cases will now receive the Couples Discount underwriting class, regardless of status. This underwriting class program upgrade provides clients with increased values and improved pricing of up to 10%. See complete details.

Medical Underwriting Corner: Cardiac Testing- The Echocardiogram

In cases involving cardiac conditions, echocardiogram results are important in the underwriting assessment. Learn more.

All Hands On Deck

Embark on a quicker underwriting journey with PL Swift Sailing accelerated underwriting. Offer clients up to $2 million in life insurance coverage with no examinations, fluid draws, or APS. Set sail using our marketing toolkit.

Carrier Year-End Processing Guidelines

Review each carrier's year-end guidelines by clicking the name of the carrier:

AIG  Nationwide
Allianz
North American
American National Pacific Life's
Columbus Life Principal
John Hancock
Protective 
Legal & General Prudential
Lincoln  SBLI
Mutual of Omaha Symetra
National Life Group   

 

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