'ITL' - In The Loop - 3 Mark Financial's Newsletter
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“Rish-ful” Thinking

In a recent edition of Life & Health Advisor, Rod Rishel – Head of US Life Insurance at AIG, shares his thoughts on “The Great Insecurity” and how life insurance plays a role in retirement. Read more.

3 Mark Financial, Inc.

10/21/2015

Nationwide

A New Way to Offer LTC for Two People on One Policy

Effective October 12, 2015, you can add a long-term care rider to the Nationwide YourLife® No-Lapse Guarantee SUL II life insurance product. This means your clients can get long-term care coverage for up to two people on one life insurance policy. Learn more.

AIG

Translate Insight Into Sales Across the Generations

Think you’ve heard it before? Not like this. Use our key tips and strategies to earn more repeat clients and referrals across all three generations on the new Generation Matters website: Visit Website.

Symetra

Symetra UL-G Keeps Coming Out on Top

At higher face amounts, Symetra UL-G continues to top the competition in the no-lapse guarantee space with lower annual premiums in our “sweet spot” ages of 50-75. Check out our new heat chart flier to see where we land in each cell. Learn more.

Prudential

Advantages of Dynasty Trusts

A dynasty trust is a trust designed to avoid or minimize estate taxes being applied to family wealth with each transfer to subsequent generations. By holding assets in the trust and making well-defined distributions to each generation, the entire wealth of the trust is not subject to estate taxes with the passage of each generation. Assets in dynasty trusts can grow and be protected from your descendants’ creditors, former spouses, and their own wasteful habits.” Read more.

MetLife

Class Match is an Ace!

58 million U.S. households claim that they need more life insurance. MetLife Class Match may be able to double your clients' existing insurance quickly! Whether their existing policy is from MetLife or another eligible carrier, the MetLife Class Match program will issue a new policy matching a client's inforce policy's underwriting class and face amount up to $1.5 million. Read more.

AccordiaLife

Higher isn’t Always Better

While a higher illustrated rate sounds great in theory, it may be masking a cost structure that can weigh down an IUL policy’s cash accumulation potential. Are other carriers telling you the entire story or just the part they want you to hear? By comparing the Gross Illustrated Rate with the Net Illustrated Rate, you can see the effect of policy charges on the product’s cash accumulation potential. Read more.

AXA

Premium Financing

Premium Financing is one of AXA's Specialty Markets. Learn about our Specialty Markets and what tools and support are available for Premium Financing. Read more.

Lincoln

Ready for the Life Planning Solution that Does More?

Clients today have big expectations. They want to protect their loved ones, minimize taxes, and leave a greater legacy. They want a potential source to turn their policy’s death benefit into a living benefit, when it’s needed most. Those are great reasons to turn to Lincoln WealthAdvantage® Indexed UL. Read more.

Mutual of Omaha

Video: It’s Hard to Sell Without a Story

If you've ever tried to eat an ice cream sundae without a spoon - or if your kids have - you know it doesn't work very well. The same is true about the sales process. It's not as effective without a good story to tell. That's why we created the new Concept Marketing Portfolio - a collection of information and materials designed to help you tell compelling stories that your clients can relate to. View the Concept Marketing Portfolio materials on Sales Professional Access. Watch video.

Allianz

Video: A Smart Strategy to Help Grow Your Retirement Savings

Baseball teams can’t just rely on power hitters like Babe Ruth. They need to diversify their team with other players who can be counted on for singles and doubles. It’s the same for retirement savings. The newest video in the Allianz Answers series explains how diversification within a fixed index universal life insurance policy is as important as diversification in a baseball team. Watch video.

John Hancock

Winning at Life

Winning at Life is a series about people who want to get more out of life. In each of these real life situations, the John Hancock Vitality solution helped put them on the road to healthy living and greater financial security. Read more.

Protective

Rate Decreases for Protective Custom Choice UL

Effective October 26, 2015, initial level benefit periods ranging between 10-20 years will see a 2% premium decrease for Non-Tobacco, Preferred and Select Preferred rate classes. This change will allow you to offer greater value for clients at many face amounts and level death benefit periods. Read more.

Rates

EquiTrust

3 Mark's Annuity Hot List

Click here for the latest version

Annuity Fact Finder

Click here for a great Annuity Fact Finder

Forethought

Sales and Marketing Bulletin

Read Here

NorthAmerican

Field Bulletin

Chick here

Lincoln

Optiblend fixed indexed annuity

Learn 5 reasons why your clients will like the Lincoln Optiblend fixed indexed annuity. Read More

The Standard

New marketing pieces now available. Read More

Customer Notice of Oregon Public Hearing Read More

AIG

New Annuity Suitability Requirements

Read Here

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.

Assurity

Annuity Suitability Requirements for Georgia Producers.

Georgia recently adopted Regulation 120-2-94-.01+, Suitability in Annuity Transactions, which incorporates the NAIC's most recent model on suitability in annuity transactions. Producer training and Product-specific Training are now required.

OneAmerican

OneAmerica Underwriting Guide

Download the OneAmerica Guide to the underwriting process for OneAmerica products. Click here

MetLife

Get Ready for a Great Match

Many clients have life insurance policies but need more coverage. MetLife may be able to match their existing policy - whether it was issued by MetLife or another eligible carrier! Learn more.

Symetra

New Informal Application and Quick Quote Limits on Level Term

To maintain our superior service levels and efficiently process your business, effective Oct. 15, 2015, we will only accept Informal Applications and Quick Quotes on Symetra Level Term with face amounts of $500,000 or more. Learn more.

John Hancock

Lower Premiums on Term!

Earn high marks from clients with lower premiums on Term. And with the John Hancock Vitality Program, your clients can save even more and earn valuable rewards and discounts by simply living a healthy life. Learn more.

Accordia

Conversion Update

Accordia Life continues to work closely with our third party administrator (TPA), Alliance-One Services, Inc. to address the outstanding concerns and follow-up activities related to the transition of policies from Athene. We would like to provide an update on the progress made since our field communication on September 1. Learn more.