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3 Mark's In The Loop Newsletter

3 Mark Financial, Inc.


In The Loop This Weeks Highlights

Join Anjan J. Basu, CLU as he discusses Gerber Life's Products and Selling System.   

Webinar Wednesday July 6, 2016 at 3:00 PM Central 

Register Now
In The Loop Life Insruance

The John Hancock Vitality Program - It’s Easy to Get Started

Once you've sold a John Hancock policy with Vitality, make sure your clients get all the benefits that come with it. Take a look at this video for three easy steps to help get them started with the program.

 Help Clients Prepare for Future Expenses

A guaranteed life insurance policy provides clients with the peace of mind that their loved ones are protected if something were to happen to them. Yet, there are many reasons why your client may also want to use their policy to grow cash value-education gifts, business ventures, or a retirement retreat, to name a few.  Read more

Illustrate How an IUL Can Help Fund a Child's College Education

An IUL policy can help provide supplemental funds for a child's college education. Learn about the Winflex report that can help you illustrate this concept for your clients.

It’s Good Business to Plan Ahead

Small-business owners represent a lucrative market with favorable demographics. This affluent market provides a significant opportunity for you. This Business life insurance overview brochure provides an overview of the most common types of business, with a brief description of some of the advantages – and disadvantages – each offers.

Strong Solutions No Matter the Market

Thank you to all who were able to attend last week’s Competitive Edge webinar: ‘Reducing Exposure to Volatility in Retirement.’  On this call, we discussed ways you can use Lincoln’s life insurance portfolio to help minimize the impact of a volatile market on your clients' retirement plan. Presentation PDF.  Webinar Replay

 3 Minute Video that Could Impact Your Business

Fact: 1 in 4 people feel they need more life insurance protection. Fact: There is over $9.3 trillion in cash on the sidelines. Now there’s a product that can get your clients the death benefit protection they need, while making their money work harder. It only takes 3 minutes to learn how

Be Different!

Not all Indexed Universal Life insurance was created the same. North American’s IUL delivers the difference! This new flyer explains how.  Download to learn more today. 

 How to use Securian's LIFT Calculator

Learn how Securian's LIFT Calculator can show clients how their retirement income distribution choices directly raise or lower their taxes.

In The Loop Annuities / LTC

 Genworth launches Element, a New Long Term Care Insurance Solution.  

 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


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.
In The Loop Underwriting New Business

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. 


Did you miss the IDA exclusive APPcelerate webinar on June 15th? No, worries. Click here to watch and/or listen to the recording, 

Verification Requirements for New Policy Owners

Effective June 27, 2016, we will have new verification requirements if the owner of a new policy is an individual other than the insured . We will require the policy owner's address, date of birth, and Social Security number or Taxpayer Identification Number to be included on life insurance applications. This information is essential to confirm the policy owner's identity in compliance with Anti-Money Laundering guidelines, and will facilitate the underwriting process.  Read more. 

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