Introducing Nationwide's Long-Term Care (LTC) Rider One Policy - Two Lives
Click here to view this message in a browser window
Please add 3markmarketing@3mark.com to your address book or safe list to ensure our email reaches you.

What is Human Life Value? Many clients and prospects are unsure how much or what type of life insurance they need. Without clear guidance and overwhelmed by such an important decision, these clients often lack sufficient coverage. Minnesota Life's Human Life Value campaign provides a simple four-step approach to help bring clarity to your clients' life insurance needs. Learn More

3 Mark Financial, Inc.

11/04/2015

North American Webinar Today at 3:00 PM Central

Income Protection - Using Life Insurance to Preserve Your Client's Lifestyle

Income Protection lies at the heart of what Life Insurance is all about. And yet, with today's busy lifestyles, ensuring that income protection needs are met can sometimes be overlooked.

AIG

Generation Matters

Find yourself confused by the Millennial world we’re living in? Get clued in today on how to better connect with this generation at work or when closing a sale. Visit aig.com/GenerationMatters for more details.

John Hancock

Protection UL - Add Vitality to Your Next Sale!

John Hancock with Vitality can be a great solution for any policy! Click here to see how by reaching gold just once can more than cover your client's rider charges.

John Hancock

Latest Life in Motion Video: The Right Tool for the Right Job

At John Hancock, we have an entire tool box of products that can provide the right solutions for clients. Sometimes, one product is exactly what they need, and other times a multi-product approach provides a more custom solution. The latest Life in Motion walks through an example of how one client used a "split it and hit it' approach to grow both his death benefit and cash value. Watch video.

Allianz

Video: A Smart Strategy to Grow Retirement Savings

Allianz explains how diversification within a fixed index universal life insurance policy is as important as diversification on a baseball team. Watch video.

AXA

Managing Clients Tax Brackets

Taxes are central to client planning, however tax uncertainty abounds. High-income clients anticipate a continuing wave of tax law changes driven by lingering budget deficits. Whether these tax law changes come to fruition or not, the concerns are ones financial professionals need to address. Learn more.

Accordia

Downside Protection and Dynamic Design

Part of the appeal of Accordia Life’s Lifetime Foundation indexed universal life (IUL) product is the combination of upside potential with the downside protection of the 0% floor, our patented 2% true-up guarantee and a dynamic design. The upside potential is growth your client may experience due to interest crediting based in part on the positive movements of a market index, subject to a cap. The downside protection provides your clients the confidence that adverse market index performance won’t translate into negative interest crediting. As long as the policy has positive cash value it will not lapse. Read more.

Zurich

Zurich Protection Index ULTM is not available in New York through Zurich American Life Insurance Company of New York (aka ZALICONY). Read More

Protective

Lower Prices. Same Great Story.

As you’ve likely seen by now, Protective Life implemented a 2% premium decrease for non-tobacco, preferred and select-preferred rates classes on our Protective Custom Choice UL product for 10 - 20 year initial level benefit periods. Read more.

AIG

Video: Value+ IUL Lower Cost than Most Permanent Life Insurance

Share this new video on how Value+ IUL provides death benefit protection with one-of-a-kind options to access cash, often without reducing the death benefit. Watch.

Prudential

Start the Inheritance Conversation to Help Improve Retirement Readiness

In his recent white paper, Mark Hug discusses the relationship between retirement readiness and inheritance. The National Retirement Risk Index (NRRI) indicates that 52% of Americans are at risk of being unable to maintain their pre-retirement standards of living. But for those who receive even a modest inheritance, the risk decreased from 45% to 40%. While the overall impact of inheritances on the NRRI may be minor, the impact for individual households who inherit assets is anything but. That’s a client conversation worth starting. Read more.

MetLife

Meet Your New BOSS

Business owners' unmet needs represent a tremendous growth opportunity for your business because they are significantly less likely to have designated retirement assets than your typical salaried worker. By focusing on business owners' needs, you can position yourself as a go-to expert who understands their concerns while building your business, and the new and improved Business Owner Strategic Solution (BOSS) Center from MetLife can help. Learn more.

Mutual of Omaha

LTC Awareness Month

Have you ever wished you could be a fly on the wall listening to conversations and gathering insights that would help you become a more successful LTCi salesperson? That's exactly what we did. We listened as LTCi buyers and non-buyers alike shared their thoughts, feelings and expectations. Read more.

Cost of LTC Care

Don’t forget the Mutual of Omaha’s Cost-of-Care book is now available. This book features data collected by Long-Term Care Group (LTCG), a leading provider of long-term care data. Use this book to help your clients understand what they can expect to pay on average for long-term care services. Learn more.

Allianz

Webinar Replay: The Future of Guaranteed Income

In case you missed our recent important fixed annuity web event, you can check it out here! Watch video.

Allianz

On 1/1/2016 New Application forms will be required for Allianz. Old applications will be NIGO if received after 12/31/2015. New applications paperwork will be available online at the beginning of November and agents should start using them as soon as they are available. The two changes are:

1. Owner a US Person – substitute W-9 will be built into the application
2. Beneficiary relationship to the Owner section

In order to ensure “0” Not in good order applications you should use the ApplyNOW electronic app program from Allianz

If you have any questions or need any other information please contact John O'Mahoney at your convenience.

Allianz is a pre appointment carrier. Applications dated and submitted prior to appointment approval will be rejected. All new paperwork will be required.

North American

Field Memo discussing 4th quarter changes

Click here

Lincoln Financial

MoneyGuard

Pre-submission tool

Advisor MoneyGuard II leverage chart

Conversation starter

Genworth

New Business Submission Guidelines

New Business Submission Guidelines (NY)

American National

Agent Alert Click here

3 Mark's Annuity Hot List

Click here for the latest version

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.

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.

TheStandard

Annuity News for November

Rates

Protective

Indexed Annuity II (No MVA)

Incexed Annuity II (With MVA)

Fixed Annuities (With MVAA)

Fixed Annuities (No MVAA)

Genworth

SecureLiving NY

SecureLiving

Index 5

Index 5 AK, MN, MO, OR, PA, WA

Growth+ with Income Choice Rider

MetLife

New 4th Quarter Underwriting Program

The MetLife Class Match program may double your client's existing policy, whether it's with MetLife or another eligible carrier. Act now! This program is only available until Dec. 31. Read more.

AIG

Informal quoting minimums

New application - new forms available now Read 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.

Nationwide

Get Your Business Placed in 2015

Make sure your Nationwide life insurance cases count for 2015 production by keeping these dates in mind. Read more.

Protective

Holiday Schedule and Year End Guidelines

As we near the end of the business year, we want to announce our 2015 holiday schedule, along with year-end business processing guidelines. The following guidelines will help ensure a case is paid and producers receive their compensation and/or production credit for 2015. Read more.

Prudential

Year End Important Dates and Reminders

As you plan for year-end, we have prepared some helpful key reminders and tips to avoid commonly missed requirements which will assist you for a winning year-end. Read more.