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Year-End Planning Strategies 2015
As 2015 comes to an end, your clients may want to take advantage of some last-minute planning options. This year-end flyer, approved for client use, is filled with useful information and planning strategies as your clients plan for the end of the year. Read more.
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3 Mark Financial, Inc.
11/18/2015
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An Introductory Webinar for Allianz Fixed Index Annuities
This Afternoon, Wednesday Nov. 18, 2015 at 3:00 pm central.
Learn more about two of the most popular products available in the industry today: Allianz 222 Fixed Index Annuity & Allianz 360 Annuity, both with increasing income potential.
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AIG
Winter is Coming
Use these updated Policy Review materials, and make sure your clients have coverage that’s keeping up with the seasons of their lives. Read more.
New Monthly Modal Factor on AG Select-a-Term
We are lowering the monthly modal factor on AG Select-a-Term, significantly improving its competitive position on a monthly basis. Visit aig.com/termlife for transition rules and to learn more.
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AXA
Business Capabilities
AXA is pleased to announce the new Business Capabilities brochure. Your business owner clients have worked hard to make their business a success. And to keep that business successful, business owners must be able to attract and retain talent as well as plan for a success exit from the business. This new brochure address topics such as retaining key employees, ways life insurance can be offered to employees as non-qualified plans, and more. Read more.
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Lincoln Financial
Medicare Covers All LTC, Right?
Clients think Medicare and Medicaid are the end of the long-term care conversation. Show them it’s just the beginning, with Lincoln’s help. Until they encounter a serious health event, your clients probably won’t think beyond the social safety net for long-term care needs. The reality may be a surprise. Read more.
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Protective Life
Sell What Matters to Clients: Opportunities
Clients looking for short-duration coverage want more opportunities for evidence free exchange to a more permanent policy should their needs should change down the road. Thankfully you can provide this opportunity for an average 5% less in annual premium when compared to traditional term solutions. Watch this video and find out why.
Give Clients What They Want: Balanced Life Insurance
What matters most to clients looking for a guaranteed universal life solution? A policy that balances simplicity, effectiveness, and affordability in one solution. We’ve made this easy to deliver, with an online tool that allows you to create, personalize and share your own sales ideas. Create your own idea.
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MetLife
4th Quarter Underwriting Program
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! Read more.
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MetLife DI
Learn More about MetLife's Business Owner Upgrade Program. Click here.
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Accordia Life
Properly Structuring Ownership Arrangements
Have you ever wondered what happens when there are multiple owners on a life insurance policy? Or if the owner is not the insured? Advanced Markets put together this short overview with valuable information on different ownership arrangements for life insurance policies. Read more.
The Power of IUL
Accordia Life traces its origins to the beginning of the IUL marketplace and uses product designs tested and proven through real market cycles. Learn more.
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Minnesota Life
Simplify LIFE in 4 Easy Steps
Do your clients know their life insurance needs? 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. This Human Life Value campaign provides a simple four-step approach to help bring clarity to your clients' life insurance needs. Read more.
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North American
New Income Pay Plus Rider Coming December 1
We're excited to announce the new Income Pay® Plus optional Guaranteed Lifetime Withdrawal Benefit (GLWB) rider coming December 1, 2015 that offers a unique income solution that may help your clients meet their retirement needs. Learn more.
Video: Why North American Should be Your “Carrier of Choice”
Watch video.
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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.
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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.
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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.
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AXA
Underwriting Celiac Disease
Gluten-free? Read one of AXA's new Underwriting case studies that feature a profile and underwriting decision on a common impairment. Read more.
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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.
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AIG
Informal quoting minimums
New application - new forms available now Read more
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Lincoln Financial
Your Important Year-end Business Reminders
It’s time to complete your year-end business. See the important dates, tips and reminders you need. Read more.
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AXA
2015 Year-End Processing deadlines from AXA click here
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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.
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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.
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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.
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North American
Year End Dates
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Legal & General
Year-End Closing Dates Click Here
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Phoenix
Operations Bulletin
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Symetra
Year-End Business Deadlines
The end of the year is approaching! Final issue requirements for life new business to be placed and counted in 2015 should be received by Friday, Dec. 18, if commissions are paid weekly, and Thursday, Dec. 24, if commissions are paid daily. If you have questions, please contact the Symetra Life Sales Desk at 1-877-737-3611 or lifesales@symetra.com.
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Athene
Leaders of Olympus - Three programs with rewards Click here to learn more, including the Aruba trip.
Forethought
Fourth Quarter Sales Incentive Read More
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Lincoln Financial
Double Convention Credit for Lincoln MoneyGuard II and Lincoln LifeElements Level Term. Learn More
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Transamerica
Click here to learn more about the Transamerica Insurables-LearnEarn Campaign
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