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3 Mark's In The Loop Newsletter

3 Mark Financial, Inc.

January 26, 2022

Join Caroline Brooks, JD, CFP, CLU and Joey Ussery, CLU, ChFC, LUTCF, for :

Trends and Topics for HNW Clients in 2022

This Afternoon at 3:00 pm Central

RESERVE MY SEAT

With major legislative changes sidelined, we’re talking about ways to get clients to move forward with plans now.

This year, the estate and gift tax exemption has increased to $12,060,000. With less than four years on the clock before the lifetime exemption is set to be halved and other client concerns such a inflation, market volatility and an ongoing pandemic, there are many strategies and techniques to consider implementing today.  

Join us as we share timely planning ideas for engaging your high-net-worth clients in 2022.

Making Life Easier With Our Self-Service Inforce Illustration Tool

Now you don't have to call the home office to request a life insurance inforce illustration. You have access to our self-service inforce illustration tool on our secure website. Use the tool.
 
Allianz Life Newsroom

Check out our one-stop resource that provides facts and news about Allianz Life Insurance Company of North America (Allianz), our research studies, interview resources, and more.

Even Better Rates To Celebrate

We're making more adjustments, especially in the non-tobacco classes, effective, January 20, 2022. Learn more.
 
We're Reshaping The Industry

It's easier than ever for businesses and consumers to access life insurance. Learn more about our story from FinTech Magazine.
 
Why Life Insurance Matters

"You're trying to protect everything you care about most when you purchase life insurance." A compelling story from one of our advisors on the many reasons life insurance can be a safety net for people. Watch now.

Here’s your 2022 Trimester Marketing Resource

Happy New Year. Let’s start 2022 off strong with the updated, even more action-focused 2022 Individual Life Insurance Trimester Marketing Resource site. Each month, you’ll find a dedicated page focused on helping financial professionals make the most of each topic, with materials, playbook pointers, a new client profiler section, and webinars to help you take action. January kicks off the year focusing on policy review and mirrored loans. Don’t forget to bookmark the site and come back often. Visit the Resource Site.

Index interest crediting explained

Index interest crediting is an important part of a client’s IUL policy. Our short video shows how crediting works, and how it protects your clients. Watch the video.

Illustrated vs. actual index returns

While illustration values on IUL products are limited by maximum illustration rate guidelines, actual index interest credits may be higher. Our MLSB index has a long track record of strong performance. Learn more.

Everyone likes a custom fit

Show clients how they can tailor their life insurance coverage with our Term Laddering sales concept. By layering smaller policies, you can create a custom coverage plan to fit your clients’ exact needs.

Eclipse Protector II IUL: an Alternative Solution For GUL Clients

If clients are seeking affordable, lifetime protection and more potential for accumulation – take a look at IUL in lieu of GUL. Find out how Eclipse Protector II offers the best of both.
 
Financial Professional Page for Advantage Elite Term

In order to continue expanding our product pages outside of log in we now added Advantage Elite Term which includes client approved sales tools. Check it out.

Symetra’s High-Net-Worth Foreign National Programs

Today’s high-net-worth and domestic multi-cultural clients may live here in the United States or come from all over the world, but they do share the same life insurance needs. Symetra’s expertise can help you make these customers become part of your business in 2022. Learn more.
 
Symetra SwiftTerm

It may seem daunting to plan for tomorrow when today feels so hectic and that’s why Symetra Life Insurance Company created SwiftTerm. It’s term life insurance that is so easy, you can apply for it over morning coffee and have coverage by your second cup. Learn more.
 
Generate More Sales In 2022 With Our Advanced Sales Concepts

Different stages of a client’s life they can have a variety of financial needs. We can help provide them solutions for each stage with our advanced sales concepts.  See our enhanced Advances Markets website and see which concepts are right for you.

Introducing Columbus Life’s 2022 Tax Reference Sheet

Each year, Columbus Life provides you with valuable tax information in a quick, easy reference tool – Download our 2022 Tax Reference Guide. Additionally, read about the updates from Deborah Miner, Assistant Vice President of Advanced Markets.
 
Year-End Reflection: 2021

Matt Canterbury, Senior Vice President and Senior Distribution Officer, shares his reflection on 2021 and a preview of Columbus Life’s plans for the future. Read more.

Life Insurance for Blended Families

While blended families have become more commonplace, estate planning that addresses their needs is an often-overlooked market. Take a look at our client brochure which discusses how planning is especially important in a blended family situation and how life insurance can be a good solution.
 
The Power of a Promise

At Pacific Life, putting customers first has allowed us to serve families & businesses successfully for over 150 years. As part of a mutual holding company structure, we have no publicly-traded stock, so we can focus on long-term strategies, financial strength, and the best interest of your clients. Learn more.

We’re Giving $10,000 to Five LifeChanger-Founded Non-Profits

In typical Do-Good fashion, our LifeChanger of the Year program celebrated the final month of our nomination drive by partnering with the National Life Foundation to support five non-profits founded by LifeChangers. Read More.
 
Reminder: TotalSecure and Term Series Updates

Our Term Series products offer a broad line-up of options for clients. Learn more.
 
Your Path to Success on Social Media

Are you using social media as an effective business tool? Having an active social presence will help you build valuable relationships and general trust among your audience, whether they’re clients or even potential recruits. Read More.

Enhanced Principal Deferred Compensation – Select Reward

Help businesses attract and retain top talent. Principal Deferred Comp – Select Reward plans are nonqualified plans that offer benefits for employers and the key employees they select to participate. View Employer Summary (for-profit). Get marketing materials.
 
Guaranteed Issue Term

Principal Guaranteed Issue Term can provide an attractive option to informally finance DBO and DBO (Tax Exempt) plans with 25 or more covered employees. This innovative program combines the convenience of Guaranteed Issue underwriting with the affordability of term insurance. Or, for smaller groups of eligible employees, you might consider one of our permanent products that require a minimum of 10 covered lives. Learn more.

Interest crediting rate changes

Effective March 1, 2022, John Hancock will be changing the interest crediting rates on certain universal life, indexed universal life and long-term care products as well as on variable life fixed accounts, for new and inforce policies. We will also be making changes to the indexed account cap rates on certain indexed universal life and variable universal life products. View new rates.

All Single-Life Policies Will Now Be eDelivered

We are excited to announce that our eDelivery of policy contracts service is now available for all single-life policies – including indexed UL and variable UL. This service helps streamline the delivery process and ensure post-delivery requirements are signed in-good-order (all paperwork requiring signatures will be automatically tagged). Check out the Reference Guide.
 
Delivering on shared value with John Hancock Vitality

Learn about how we are changing the life insurance conversation and improving customer experience to help you drive sales. Listen Now.
 
2022 IUL Segment Lock-In Dates

For handy reference on your John Hancock indexed UL policies, refer to this calendar for dates that payments must be received (the lock-in dates) in order to be included in the next segment.

Wellness For Life - Give Your Client’s Policy A Boost

New Year- new you... We’ve had great success with Wellness for Life- a free rider that can give your clients discounts on the cost of insurance. Find out more about the rider.
 
Foreign Language Materials for your Clients

Global Atlantic understands purchasing a policy in a second language can be challenging. We’ve translated certain marketing materials to simplified Chinese and Spanish so that clients can more easily learn about our products and company in their native language. Learn more and see the materials.

Classic Choice Term Maximizes Value

Our Classic Choice term offers clients straightforward, affordable coverage that caters to any client. With term periods that extend from 10 to 40 years and competitive pricing, Classic Choice term can be the solution that helps you grow your business and maximize the value you bring to your clients. Learn more.
 
Indexed Choice UL – An IUL That Delivers What’s Expected

Feel confident recommending our IUL because it’s built to perform just as your clients expect. With a guaranteed death benefit, realistic cash value, a simple and flexible design, and the riders like ExtendCare, Protective's IUL offers protection and flexibility. Learn more.

IULs Made With Simplicity in Mind

At Mutual of Omaha, we have IULs designed with simple to understand crediting strategies, for whatever your client’s personal insurance needs may be. Learn more about our fully-underwritten indexed universal life insurance products.

Lincoln MoneyGuard® Product Suspension in New York

Due to the existing regulatory environment in New York, Lincoln Life & Annuity Company of New York (Lincoln) is unable to maintain a modern portfolio of MoneyGuard® hybrid life insurance products in the state and will be
suspending new MoneyGuard® sales in New York until further notice. These changes do not impact existing policyholders. Read about this and other product updates, market insights and process enhancements in our latest Lincoln Leader.

Pricing Update: Lincoln TermAccel Level Term (2019) & Lincoln LifeElements Level Term (2019)

Effective Jan. 10, Lincoln has implemented pricing updates which will improve competitive positioning in key cells. Learn more.

Faster Turnaround Times

Fewer medical exams mean faster turnaround times, check out the details.
 
American National’s Term…

… has more to offer than just a competitive price.  If you a looking for accelerated benefits, conversion credits, and a full suite of conversion products you might want to see this. Learn more.
 
Competitive GUL

If you are looking for a competitive GUL that includes ABR’s & guaranteed cash-out provision, learn about our Signature GUL.

Use It or Lose It

Learn how to leverage the estate and gift tax exemption with Whole Life Insurance before it expires. Check out this timely sales strategy on our new Advanced Sales digital hub.
 
What You See Isn't Always What You Get

When it comes to a disability, perception is not reality. As a result, many people do not protect their most valuable asset – their income – and disability income insurance may be the solution. Here are some helpful facts to start conversations with clients about expecting the unexpected.

Simplify Using Life Insurance Solutions For Tax-Efficient Retirement Income

We can help you grow your business by consistently providing extraordinary experiences.  View our new resources.
 
Have you seen the latest Advisory Authority study?

Financial Professionals’ optimism has bounced back from the COVID-19 crisis, and investors’ confidence has grown as well. Read all about the study.
 
New Resource To Compare IUL Products and Features From Nationwide

We want to make it easy for you to find the best product fit for your client.  Check out our new resource. 

Finding The Right Life Insurance Match

With February quickly approaching, share this blog post from North American as a reminder to clients about the importance of “Insuring Your Love.” It all starts with determining the death benefit need and finding the right product match.
 
Your Clients Don’t Have To Be Ultra-Wealthy To Enjoy Tax Advantages

Life insurance can help your client’s families should they pass away. But many types of life insurance also fit into the tax advantaged category and can be a generally income tax free way to help supplement their retirement income. Learn more in North American’s client-friendly flyer.

The Gift of Giving

Many grandparents would like to make substantial gifts to their grandchildren but living on a fixed income can make them difficult. With the purchase of a level payment whole life policy based on their lives, grandparents can maximize their gift and guarantee the death benefit. Learn more and check out our customizable marketing piece.
 
SBLI Whole Life At-A-Glance

Offer your clients a financial tool that combines a dependable death benefit with superior flexibility to meet current financial obligations and earn very competitive commissions. Get the details.

Inforce Long-Term Care Insurance Rate Adjustments Effective April 1, 2022

We will be implementing inforce rate adjustments for Alaska, North Dakota, Kentucky, South Dakota and Wyoming effective April 1, 2022. View the rate adjustment percentages and FAQ to learn more.

Health Care/LTC Cost Assessment

Provide your clients with a personalized estimate of their retirement LTC costs.

Dig into Care Solutions

Learn the basics of our Care Solutions products with free training webinars every other Friday.
 
One Choice can make a Difference

Use our latest consumer approved presentation that illustrates the importance of planning for LTC need which can impact their family for future generations.
 
Use Income Instead of Assets to fund LTC

We have a solution for your clients that may not have a large lump sum to fund a LTC policy. Discover our Asset Care Recurring Premium LTC solution and how it could fund a policy over 5, 10 or 20 years.

The BAV Bonus for the American Equity EstateShield is going from 20% to 25% effective Feb.1 2022

Start making a list of your clients who may benefit from this increase for their lifetime income needs. In order to qualify, the application must be received on or after Tuesday, Feb. 1. 2022.

Help create greater financial dignity with Guaranteed Lifetime Income

The IncomeShield series provides clients a protected path to lifelong income, with principal protection, tax-deferred growth potential, and five different lifetime income benefit rider options to choose from. To promote IncomeShield to potential income-focused clients, you can create a digital ad slick. To request your custom ad slick, start by logging in to the American Equity agent website.

For clients in or near retirement who own stocks or mutual funds, market corrections can have a severe impact on their retirement security. Recovering from a market correction requires a greater percentage increase than the correction itself. Share our chart with your clients and show the recovery percentages necessary for various market-loss percentages.

Unleash Your Clients’ Performance

Offer your accumulation-focused clients the higher growth potential of Rate Buy-Up Accounts. Eye-popping cap and participation rates are available in exchange for an annual fee on the allocations to Rate Buy-Up Accounts. Learn more.

2022 Updated Tax Resources

 

Providing these user-friendly tools to clients and prospects can help generate new business and add value to your existing relationships. You can easily access and use both guides in whatever format works for you. 

Want to create new client connections in the New Year?

The New Year may be a great time to start new conversations around retirement planning strategies. And what better way to get started than with news stories that address today’s key risks. Consider sharing some articles with clients to get them talking about today’s risks, including inflation, and possible strategies for help managing them.

Helping Clients Explore Their Saving Choices

What’s the difference between a fixed annuity and a certificate of deposit (CD)? This client approved flyer provides side-by-side information on fixed annuities and CDs for help finding the right solutions for the retirement they deserve.
 
Reducing Withdrawal Strain

Share with clients this flyer showing the protected withdrawal strategy with Assured Edge compared to an unprotected systematic withdrawal strategy. Click Here.
 
We Are Here For You

See the Partnership Programs available to help increase your business and help connect with clients to build brighter financial futures.

What is a MYGA, and how is it beneficial?

Learn the specifics behind a multi-year guaranteed annuity and how it differs from a CD. Plus, see how a MYGA could benefit your retirement portfolio. Read our 2 minute article that you can share with your clients.

 

New Best Interest Training for Annuity Sales in Connecticut

The NAIC has approved revisions to its Suitability in Annuity Transactions Model Regulation in Connecticut. Learn what that means for you.

In The Loop Underwriting New Business

Accelerated Underwriting Best Practices

Applying this best practice and identifying those clients who are good candidates increases the chance that accelerated underwriting will help speed up the submission-to-commission process for your business. Check out the guidelines.

Updated Recreational Marijuana Use Underwriting Guidelines

Through ongoing research and development, Securian Financial has developed a reputation for improving underwriting standards Many factors go into an underwriting decision. See our new guidelines.

Special Underwriting Program

Did you hear? 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%. Get the complete details

Symetra SwiftTerm coverage in 5 easy steps

Do you have young, healthy clients who want term life insurance protection but are too busy for in-person meetings and medical tests? With Symetra SwiftTerm’s digital application process, they can get a faster, easier buying experience–in five easy steps. Learn more.
 

Leverage Our Digital Platform in the New Year

As we begin a new year, remember that Columbus Life helps to keep you safe by allowing you to quote, submit, track, accept and deliver policies electronically with our complete digital platform. Find out more.

Go Digital with SBLI: Your End-To-End Digital Solution for Term and Whole Life

SBLI offers a unique end-to-end digital process that guarantees no in-person contact, no fluids and no exam underwriting process, no matter what. Get the details.

AU+ expansion for Term and GUL

Effective January 22, Agile Underwriting+ will be available for Select-a-Term and Secure Lifetime GUL 3 when submitted via approved ticket platforms. Get the details.
 
AU+ just got better

Agile Underwriting+ now offers more opportunities for quick IUL cases with increased age and coverage options, as well as Part B flexibility. Get The Details.

Velocity Streamlines Your Business

With Protective Velocity, our suite of digital tools, we can help streamline your processes to help speed up production time – by up to 40 days – and drive your business forward. Our suite of digital tools helps streamline your processes to reduce administrative work. Learn more about Velocity.

PruFast Track Program Update

Last summer, we announced that all PruFast Track eligible business must be submitted via Prudential Xpress QuickForm worksheet or Drop Ticket. Cases accelerated through PruFast Track are approved and issued within just hours or days without the need for a medical exam or lab work. Learn more about a recent program update.

You asked so we answered - Get less APS requests with Horizon

We’re enhancing our Horizon Experience to significantly reduce APS requests. These enhancements will get your offers delivered quicker and streamline your business process. Learn more.  

Submitting a new life lnsurance Case?

Take advantage of ExpressTrack, our non-labs underwriting process that extends to 60 years of age and $3,000,000 of term and perm coverage, including the LTC rider. Learn more.

Two Ways to Sail for a Better Underwriting Journey

When your client needs the financial protection of life insurance, PL Promise offers convenient, predictable underwriting options delivered through a no-touch process. From substandard to preferred best, we’ve set our sails to help keep your business moving swiftly & smoothly ahead. Check out our underwriting options. Read AboutMe Online Health History.

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