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3 Mark Financial, Inc.
12/9/2015
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Nationwide
Social Security planning help is just a click away.
Test Drive Nationwide's Social Security 360 Analyzer Click here
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North American
Demystifying IUL
Enhance your knowledge about IUL with these quick-hitting webinars, presented by Tom Martin. Learn more
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AG 49 Phase 2: What You Need to Know
Wondering what to expect from the second phase of AG 49 in March? Tom Doruska drafted an article for LifeHealth Pro online that addresses upcoming changes for all carriers due to the March implementation of the second phase of Actuarial Guideline 49 (AG 49). Read more.
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North American
Video: Are Your Clients Ready for Retirement?
There are a lot of ways to plan for retirement – but have your clients considered life insurance? In addition to death benefit protection, permanent life insurance can potentially provide tax-deferred growth that can help supplement retirement income generally tax-free. Have you made sure that your clients understand how? Watch video.
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Have Your Clients Lives Changed?
Isn't it time to review potential life insurance changes?
As your client’s lives change, so do their life insurance needs. As their respected financial professional, they’ll appreciate you providing them with a periodic review to make sure that their coverage still meets their needs.
Take advantage of North American’s comprehensive kit that makes this review easy for you and your clients. Click here to learn more
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AXA
AXA for Life
Your one-stop shop for all things life insurance, “AXA for Life” can help you solidify yourself as a trusted advisor, by providing:
- Fresh ideas and resources, updated regularly to capture new concepts and trends
- Specific, relevant articles, like “Overcoming objections to permanent life insurance”
- Strategies and tools to prospect and sell life insurance
With no login required, you can easily and quickly access carrier-neutral educational articles and relevant and timely sales strategies. Explore the site today.
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Prudential
“Couples” Consumer Video
This new, consumer-facing "Couples" video raises visibility on the importance of planning for the future including unexpected death or chronic illness, and beginning discussions on how life insurance with the BenefitAccess Rider can help. Leverage the video with clients to open a meaningful dialogue. Watch video.
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Mutual of Omaha
3 Ways Life Insurance Can Be a Planning Tool for Business Owners
Here are three ways to use the Guaranteed Refund Option rider when helping your clients with their business strategy planning. Read more.
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Minnesota Life
Legacy Protector SUL Product Announcement
Thank you for your continued support of Minnesota Life and Securian Life, a New York authorized insurer. As a valued partner, you are receiving advance notice of an upcoming product change taking place. As of January 1, 2016, Legacy Protector will no longer be offered for sale. While Legacy Protector is being retired, Minnesota Life / Securian Life will continue to offer Eclipse Survivor Pro as a flexible second-to-die product alternative for your clients estate planning and protection needs. Read more.
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Accordia
Advanced Markets Wealth Planning Suite will be All NEW for 2016
One of the benefits of being with Accordia Life is the access you have to our Advanced Markets team and to our suite of Wealth Planning tools, including Estate Planning Concepts, Retirement Roadmap and Social Security Pro. We are moving the tools from PlanLab to PlanFacts, a new, mobile accessible format that you can use on your Tablet/iPad during client meetings – input client information on the fly and immediately share the results. Read more.
A Game-Changer for Lifetime Guarantees
Accordia Life’s Lifetime Foundation Indexed Universal Life (IUL) can provide an alternative to traditional no-lapse guarantee (NLG) products at a lower cost while still maintaining the assurance of a lifetime guarantee. Read more.
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Protective
Watch our Social Security Webinar Now!
Get a better understanding of the recent changes with Social Security. An on-demand recording of our Social Security webinar is now available. Watch as Jody Harris, a Social Security Consultant who spent more than 34 years working for the Social Security Administration, provides an overview of how the Bipartisan Budget Act of 2015 will impact Social Security filing strategies and what that means for your clients. Watch now.
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Allianz
Allianz Life Pro+ Fixed Indexed Universal Life
How does Allianz Life Pro+ stack up to the competition? Click here to learn more
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MetLife
Last Chance to Class Match
MetLife Class Match may be able to issue a new policy matching a client's inforce policy's underwriting class and face amount, up to $1.5 million, offering additional insurance coverage with limited underwriting. Remember, applications must be completed in good order and received by December 31st, 2015 in order to qualify for this program.
For all the details regarding the underwriting process, eligibility and qualification, please see the Program Guide or visit the website
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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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3 Mark's Annuity Hot List
Click here for the latest version
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Annuity Fact Finder
Click here for a great Annuity Fact Finder
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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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Annuity Illustrations Now Mobile-Frendly! Learn More
New! Income Pay Plus - Guaranteed Income with Flexibility! Learn More
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Forethought
Sales and Marketing Bulletin Click here
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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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American National
Year End Business Procedures Click here
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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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Legal & General
Year-End Closing Dates Click Here
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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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Great American
Year-End Processing Deadline - Must be received in the Home Office and in good order by Dec 18, 2015
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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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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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