Planning strategies as your clients plan for the end of the year.

Add 3markmarketing@3mark.com to your address book or safe list to ensure our email reaches your inbox.

6 strategies for "Reaching the Rich"

John Deremo, EVP and CDO of Life Insurance at AIG talks super affluent, IRA’s, beneficiaries, wealth transfer, and provides 6 ideas to “use life insurance strategies to target the affluent market” in this recent National Underwriter Life and Health. Read the article.

3 Mark Financial, Inc.

11/25/2015

Mutual of Omaha

Guide to Understanding Medicare

Of the many expenses in retirement, one that is unavoidable and is on the rise is the cost of healthcare. Use this guide to help your clients better understand medicare. Read more.

American General

Talkin’ Bout My Generation…

Don’t miss our new webinar series debuting this December including generational specific prospecting tools, training for personal and business interactions, and generational do’s and don’ts. Then check out our aig.com/GenerationMatters site to quickly implement what you learn.

Nationwide

Nationwide is hosting a webinar on the recent rule changes for Social Security click here to register for the webinar.

AIG Video: The #1 Killer of People Under 45 Can’t be Detected by a Doctor

Share this video today with your clients about the No. 1 killer of people under age 45, and encourage them to protect themselves and their family with guaranteed-issue Accidental Death & Dismemberment coverage. Learn More

Accordia

Insights From Advanced Markets

Did you know that the recent Bipartisan Budget Act of 2015 made significant changes to Social Security? These changes take effect very soon. Read this Insights from Advanced Markets to learn about these important changes. Read more.

Increased Participation Strategy in Action

Wild ups and downs – that ultimately return you back where you started – are good for a roller
coaster. It is not what you want to endure with the interest crediting inside of your indexed universal life insurance policy. By directing a portion of their premiums to the Increased Participation strategy your client can capitalize on at to modest index returns and increase the potential for cash accumulation. Read more.

AIG

New! Consumer-approved sequencing of returns sales idea

The order of returns has an impact on how long a portfolio will last if the portfolio is 1.) in the distribution stage and 2.) if a fixed amount is being withdrawn from the portfolio. Find out more from the example in our new sales idea.

Allianz

How Much Life Insurance Protection Do Your Clients Needs?

Help your clients determine an appropriate amount of coverage with our new Life Insurance Needs Analysis calculator. Using the customized Life Insurance Needs Analysis report can help clients make informed decisions based on their circumstances. Read more.

Small Business, Big Opportunity

Owners of small business have assumed the risk of going it alone. And while going into business can be financially risky, with your help, going into retirement doesn’t have to be. These tools can help your small-business clients understand several retirement plans designed specifically for them.

Client Brochure

SEP Brochure

Individual 401(k) Brochure

AXA

Adapt to Life’s Changing Needs

Life insurance products are designed to adapt to life's changing needs. Over time, clients can potentially use their policy to help pay for major life events, such as college tuition, down payments, starting a business, weddings and more. Here's how.

MetLife

Class Match is Almost Over - Get in the Game!

A fast way to get additional life insurance coverage for your clients is about to run out! 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. Whether it's from MetLife or another eligible carrier, the existing policy must have been issued for a minimum of six months and within the maximum of the last 60 months (five years) of the date of the new MetLife application. Read more.

John Hancock

Term with Vitality

Higher status. Greater rewards. Better conversion. See how achieving a higher Vitality Status can extend the time period that an insured has to convert their policy. Read more.

North American

Video: Pay it Forward

Do have clients who want to leave a financial legacy? Legacy Building is a strategy that uses permanent life insurance to offer death benefit protection and may be one of the most favorable methods to build a legacy since life insurance pays a generally tax-free1 death benefit. If your client has funds they want to leave to their children, grandchildren, charity, or others, the legacy building strategy may be right for them. Watch video.

Nationwide

More Cash Benefit, More Control for Long-Term Care

When you compare long-term care plans, it's important to consider all factors. View our case study to see how CareMatters offers clients more on the bottom line, allowing benefits to be banked and used as needed. Read more.

Lincoln

LTC Myth: Clients Think Wealth Cushions Them from LTC Costs

Clients think their wealth protects them from long-term care risk. You know it's their wealth that needs protecting. Paying out of pocket for long-term care expenses can have a significant impact on clients’ portfolios, causing tax consequences and impacting their families’ circumstances. Let Lincoln help you dispel the myths. Read more.

Prudential

New Women’s Market eKit Available

In many families and communities, women are the driving force that makes things happen. But they still face financial challenges. By helping women create a financial strategy, we can help them build stronger futures for themselves, their families, and their communities. This ekit highlights the available marketing material created by Prudential to help you develop an effective approach to increasing your presence with women and to successfully discuss their life insurance needs. Read more.

Guide to Understanding Medicare

Of the many expenses in retirement, one that is unavoidable and is on the rise is the cost of healthcare. Medicare is considered by most retirees to be their primary healthcare coverage, even though it will only cover approximately 51% of healthcare in retirement. Use this guide to help your clients better understand medicare. Read more.

Legal & General

An Affordable Way to Meet the Needs of Millennials Through Young Boomers

The way millennials and their boomer parents are living since The Great Recession is stretching the term coverage needs timeline. Meeting their needs while keeping coverage affordable is key. Read more.

Rates

TheStandard

American National

AIG

Our American Pathway^® Deferred Income Annuity and its QLAC option now available in all states, including NY! Learn More

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.

Nationwide

View the case study to see how CareMatters offers clients MORE on the bottom line, allowing benefits to be banked and used as needed. 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

Lincoln

Click here for your copy of the Lincoln Leader

Retirement savings sales idea from Lincoln read more

North American

Dec. 1, 2015 Product Discountinuations. Click here to learn more.

Field Meno on product changes effective Dec. 1, 2015. Click here

Charter Plus - new states available

TheStandard

Branching Out To Annuities: When CDs Just Don't Make The Cut!

John Hancock

John Hancock no longer requires telephone interviews on life insurance applicants ages 18-79, all face amounts. Learn more here. Our online, interactive Field Underwriting Guide has also been updated with this information; you can access it at John Hancock's producer website. Read more.

AIG

Informal quoting minimums

New application - new forms available now Read more

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.

Marijuana Use Guidelines

Carrier specific marijuana use guidelines are now available on the Underwriting and Impaired page of our website. Username and password are required to view. Learn more.

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.

AXA

2015 Year-End Processing deadlines from AXA click here

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.

Phoenix

Operations Bulletin

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.

Athene

Year End Processing Dates

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.

North American

Year End Dates

Legal & General

Year-End Closing Dates Click Here

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.