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3 Mark Financial, Inc.
12/2/2015
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Prudential
Executive Compensation Plans
Qualified plans are not always adequate to recruit and retain the best senior managers and executives. As a result, many business owners will look to tax-advantaged non-qualified planning options to offer additional benefits to their key employees. This consumer approved brochure highlights many of the non-qualified planning options available. Read more.
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Protective
New Tool Available to Create Free Sales Ideas
What matters most to clients looking for an indexed universal life solution? Valuable coverage that offers lower policy expenses and competitive cash-value accumulation. We’ve made this easy to deliver, with an online tool that allows you to create, personalize and share your own sales ideas. Read more.
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AIG
Sequence of Returns
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 if a fixed amount is being withdrawn from the portfolio.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 this new consumer-approved sales idea.
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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
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Allianz
Boost Your Business
We’re always looking for ways to help you build your business. That’s why we’ve created turnkey sales kits to help you boost your FIUL insurance sales. Read more.
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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.
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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.
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AXA
Video and more: The New Language of Life Insurance
All too often, the things we say aren’t heard the way we think. AXA and Maslansky + Partners have done extensive research around what consumers think about life insurance and how they respond to the way we talk about it. Get the inside scoop, so that you can more effectively present the benefits of permanent life insurance in a way you clients will hear, understand and react positively to.
Watch and share the video
View the Powerpoint presentation
Read the Whitepaper
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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.
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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.
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Lincoln
Are Your Clients Self-insured or Uninsured?
If your clients think about long-term care, they likely imagine the loving care of their spouse and children. But consider this:
- 33% of family caregivers spend more than 30 hours/week providing care — almost a full-time job.
- A woman taking care of her disabled spouse is nearly six times as likely to suffer from depression or anxiety.
- Caring for a sick loved one can mean lifting, bathing, and toileting, which can affect family dynamics.
Having the family create a long-term care plan that makes sense for them, while respecting your clients’ need to retain control, is a positive step you can help them take. Start protecting your clients’ wealth from long-term care expenses. Read more.
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North American
Video: Estate Planning Made Easy
Estate planning can be a real challenge for your clients – even with a will in place. With your assistance and the help of North American’s Estate Planning sales kit, they can learn how permanent life insurance can be used to pay final expenses, pay off debt and help offset estate taxes while ensuring that their final wishes are met. North American’s collection of Estate Planning tools can make Estate Planning easy for you and your clients. Watch video.
Video: IALC Video on GLWB
The Indexed Annuity Leadership Council (IALC) released a new video which highlights the common features of guaranteed lifetime withdrawal benefit (GLWB) riders. Click below to check it out. Watch video.
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Nationwide
Video: A New Way to Offer LTC with Life Insurance
Adult child. Aging parent. Double dilemma. Long-term care (LTC) is one of the more daunting issues adults with aging parents have to deal with. Adding an LTC rider to a Nationwide YourLife No-Lapse Guarantee SUL II life insurance policy may be an affordable and flexible way to help cover LTC expenses along with legacy and estate planning needs within one policy. You can share this idea with your customers by sharing this consumer-approved video. Watch video.
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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.
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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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North American
Guaranteed lifetime withdrawal benefit (GLWB) riders. A video from The Indexed Annuity Leadership Council. Chick here to view.
Click here for information on product training for the new GLWB rider
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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.
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AIG
Informal quoting minimums
New application - new forms available now Read more
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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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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.
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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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Phoenix
Operations Bulletin
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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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Genworth
News Bulletin including year end dates.
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Athene
Year End Processing Dates
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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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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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EquiTrust
Agent Travel Incentive from EquiTrust Life Insurance Company Learn 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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