3 Mark Financial, Inc.

6/22/2016

Today's Webinar with Jeff Wright  on Symetra's Key Competitive Advantage in the GUL Market.  

   Webinar Later Today at 3:00 PM Central

Berkshire Advisor Resources DI News Wire 

2016 Medicare Guide Now Available

The 2016 version of "Choosing a MediGap Policy: A Guide to Health Insurance for People with Medicare" (LTC-1014 Rev. 5/16) is now available to order and/or download from www.jhltc.com. This publication is published jointly by the Centers for Medicare and Medicaid Services and the National Association of Insurance Commissioners and is required for long-term care insurance sales to applicants ages 65 and over.

6 Reasons to Convert Term Policies

Hereis a great article from LifeHealthPRO that discusses reasons to convert term life insurance to permanent life insurance. It is a great read and leads us right into our Guaranteed Term Exchange Program. Our program accepts a long list of external companies and if the clients term meets certain guidelines they can convert to any of our permanent products with no underwriting!

Tools and Resources to Connect with Potential Clients

Start the journey by sharing our client-approved fixed index universal life video, “Life’s a Journey.” Next, help them determine an appropriate amount of coverage with our Life Insurance Needs Analysis calculator. And end the process by helping your clients prepare for the underwriting process by sharing our newest client video, “What to expect when applying for life insurance."

Split Dollar Arrangements: Flexibility Plus Tax Advantages for Your Affluent and Business Owner Clients

When working with your wealthy and business owner clients, you can help them to solve for death benefit needs through a cost-effective split dollar strategy. Learn more about how these arrangements work, along with how to present this strategy to your clients in a meaningful way. Prudential's new split dollar eKit provides the tools you need to get started, including presentations, a brochure, a podcast, and more.  View the eKit.

Lincoln TermAccel Webinar Reply

This is a follow-up from the June ONE Meeting where we discussed the tools that Lincoln has to help with process efficiencies in every step of the sale. We opened the call discussing the fastest way to submit Lincoln life business using LincXpressSM, as well as the new Lincoln TermAccel® product and process. Lincoln TermAccel® is priced to have one of the most competitive premiums in the marketplace for term business $100k-$500 – with policies that can be issued in as little as 20 days! Click here to watch a replay and to find out how you can electronically submit today.

GUL Provides Flexible Options for Retirement

Learn how the Guaranteed Refund Option rider on GUL provides flexible options for clients as they are entering retirement.  

New Interactive Marketing Experience

Your success is our success. And our focus is Delivering the Difference for you. We're not just asking you to give us your life insurance business; we want to earn your business by being a strong and stable company that is willing to commit our time and resources to support you in achieving measurable and long-term success.   How do we deliver the difference for our distribution partners and our policyholders?

Check Out LTC Awareness Materials

Help clients make the right decision about what to do regarding LTC. Use these resources, including an infographic and whitepaper, to introduce a powerful option that provides income-tax free access to funds when diagnosed with a qualifying chronic illness.

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.

External Term Conversion Program Ending

As a result of low program utilization and increasing challenge with vetting eligible carriers, MetLife will discontinue the External Term Conversion program effective July 1, 2016.  Read more. 

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.