3 Mark Financial, Inc.

6/15/2016

Join Caitlin Andersen from North American as she discusses Simple Submit and how it can benefit you and your client.   

Webinar Thursday June 16, 2016 at 10:00 AM Central

Zurich Protection UL™: At-a-Glance - Death Benefit Protection. Long Term Guarantees. Flexibility. Growth Potential.

The Zurich Protection UL™ provides valuable death benefit protection with important long-term death benefit guarantees. Riders/benefits available on the base policy include a Lapse Protection Rider that has a premium based – not shadow account based – guaranteed death benefit rider that lasts up to the insured’s age 85-95, depending upon issue age.
Additional riders include an indemnity based Accelerated Death Benefit Rider for Chronic Illness, Accelerated Death Benefit Rider for Terminal Illness, Maturity Extension Rider, and Overloan Protection Rider.

Affordable Coverage Today, Flexibility in the Future

The new Allianz Life Pro+ Fixed Index Universal Life Insurance Policy is here and is loaded with new features, including a new optional Convertible Term Rider. By adding the Convertible Term Rider (for an additional cost) to their Allianz Life Pro+ policy, your clients can get the coverage they need now at a lower initial cost. They also have the opportunity to convert a portion or, over time, all of the term coverage into permanent coverage in policy years 2 through 10. View our new Convertible Term Rider Brainshark and download the new sales idea today!

Faster Underwriting with APPcelerate

LGA’s automated underwriting program, for qualified applicants, eliminates the need for medical exams, labs or APSs. Same great pricing and full commissions!  Learn more. 

It’s True: No Permanency Requirement for Qualifying Illnesses

Two important updates make our chronic illness rider – the Accelerated Access Solution – even more compelling for your IUL and GUL customers: Removal of permanency requirement for qualifying conditions; and increased lifetime maximum benefit to $3M (up from $1.5M) And don't forget, NO LTC certification is required to sell Accelerated Access Solution (AAS).  Read more. 

2016 Cost-of-Care Book Available Now

There are two points during the sale when agents need to educate clients about the actual cost of LTC services: During the initial appointment – Discussing what people can expect to pay for LTC services helps them understand the value of purchasing an LTCi policy; and when completing the application – Knowing the cost of care in their state allows agents to recommend an appropriate policy benefit amount.  Learn more.

Estimate LTC Cash Benefit for your Clients

Nationwide YourLife CareMatters® was built to provide your clients the maximum flexibility for their long-term care needs. And our Benefit Estimator was built to help you see how the product works and estimate the cash benefit your clients may qualify for. 

Try it for yourself. Simply enter a client's age, gender, and premium paid for a quick, individualized estimate.

Don’t Forget about Mom 

How could we ever forget about the person who fixed up our bumps and bruises, went to all of our soccer games and made us eat our vegetables? While your clients may be remembering the value their mom’s bring to their lives, are they also thinking of the financial impact they would experience if she were gone?  Read more. 

Are You Leaving an Opportunity Behind?

Prudential's Take Two concept targets coverage for a non-working spouse or partner. By following this approach, you have the potential to double your impact, reaching an underserved market. Judging from the numbers, one can assume that many are not asking about coverage for a non-working spouse or partner.  Read more. 

Chronic Illness Plus Rider Provides Additional Flexibility for Client

As clients get older, they may become more concerned about the financial effects of chronic illness and long term care. In this success story, see how one producer helps alleviate his client’s chronic illness concerns with Symetra UL-G and our Chronic Illness Rider. 

Lincoln AppAdvantage - eApp Tool for Annuities

Lincoln AppAdvantage, an e-application, expedites the business submission process, increases in good order submissions, and allows for the use of e-signature. Flyer & Step-by-step guide. 

 Video: Annuity e-App

Watch this video to discover how e-App means less paperwork, quicker turnaround and faster commissions.

The Lincoln Leader for fixed annuities. Get the latest Lincoln fixed annuity updates, including details of a new marketing campaign. 

IALC Files Lawsuit Challenging Fiduciary Rule

On Wednesday, June 8, 2016 the Indexed Annuity Leadership Council (IALC) filed a lawsuit challenging the Department of Labor’s (DOL) fiduciary rule. Click on the following link to view the IALC press release. North American Company for Life and Health Insurance® is an IALC member. 

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.

1. 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.
2. Attach a copy of a current policy/ account statement for the funds being transferred to the 1035/transfer document.
3. Complete the 1035/transfer form carefully and completely. Be sure all necessary signatures are obtained.
4. Send original transfer forms with the application to 3 Mark for processing.

New Client Video: Preparing Your Clients for the Underwriting Process

Check out the latest animated client video, “The underwriting process: What to expect when applying for life insurance.” Help prepare your clients for the underwriting process and share this short, informative video. Together, we can help make the process smooth and seamless for your clients.

Mutual of Omaha

Read the Updates to Symetra's Life Insurance Product

Reduce Up to 3 Tables!

Life credits is a robust, proprietary rate personalization program that allows a proposed insured's favorable health factors to improve underwriting offers. This program is offered on all of our permanent products!  Read more.