3 Mark Financial, Inc.

7/13/2016

Join Joey Ussery, CLU, ChFC, LUTCF John Hancock Regional Director as he discusses Sales Strategies for the Second Half of 2016

Wednesday July 20, 2016 3:00 pm Central

Important Product Updates

Term conversion options on new term policies with policy effective dates on or after September 12, 2016, will continue to have access to the full suite of competitive permanent products through policy year seven. After year seven, policies that are eligible may convert to one of the available product(s) designated for conversion by Lincoln. A separate Term product will be available for those clients who would like the ability to convert to the full product portfolio for the entire conversion period.  Read The Lincoln Announcement.

Grab and Go Promotions Save You Time in Growing Your Business

We have a complete promotional program called "Campaign in a Box" that provides what you need to educate, train and prospect to clients to increase sales. Our first topic in this program is "Life Insurance Retirement Planning" (LIRP).

Upgrades to Sales Idea Library

We are excited to unveil enhancements to www.sellwhatmatters.com that will make it even easier for you to access customized sales ideas. Updates include the ability to preview the materials without having to upload a logo, faster download times and larger logo size for customization.  Explore the revamped site. 

Know the Law: Interactive State Map

Know the Law tool has been updated to reflect 2016 changes. This interactive state map is a great tool that can be used to explore some of the laws that vary between states, including: income tax rates, estate taxes, and creditor protection.

LTC vs. Chronic Illness Rider Explained

The differences between long-term care (LTC) riders and chronic illness riders changed in late 2014. This whitepaper can help advisors educate themselves and talk to clients about this important decision.

Good Things Come to Those Who Wait - Including Your Clients

Your clients need your professional guidance when it comes to making informed decisions about when to begin receiving Social Security, starting with how Social Security works. Perhaps they're also looking at options for delaying their Social Security benefits. Life insurance, in addition to providing a death benefit for the people they love, can also help your clients to supplement their retirement incomes.¹ Life insurance may also be able to provide options should they become chronically or terminally ill.² Prudential's Social Security eKit packages the resources you need to start actionable client conversations.

Get the Social Security eKit Now.

Symetra UL-G with ROP is a Straightforward Approach to Client’s Changing Needs

Symetra UL-G now offers added flexibility to deal with life’s “what ifs.” Our new optional Return of Premium (ROP) rider for Symetra UL-G offers an “exit strategy” should your client’s needs change. See how Symetra UL-G with ROP can provide your clients with greater control.  Read more. 

Guaranteed Participation Rate of 200%

The Increased Participation Strategy has a GUARANTEED participation rate of 200%. Using this strategy will boost your interest credits in periods of modest index growth. This could extend your client's coverage even longer - without assuming a higher interest rate.  Read more. 

 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.

Nationwide's New Business Requirement Updates

Click here to read the Nationwide announcement and review the transition rules and underwriting guidelines. 

AIG In the Know 

Legal and Compliance News from AIG Click the link to be transported to the AIG Site

Underwriting Enhancements that Deliver

At North American, we’re continually striving to enhance and streamline our business processes to make doing business with us as easy as possible. This continual improvement effort has included new technology platforms, continuous product refinement and now we’re excited to introduce underwriting enhancements. You may have already noticed some of these enhancements – if you haven’t, we hope you’ll send cases to us to find out for yourself!