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3 Mark Financial, Inc.
7/20/2016
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Join Joey Ussery, CLU, ChFC, LUTCF John Hancock Regional Director as he discusses Sales Strategies for the Second Half of 2016
Webinar later today at 3:00 pm Central
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One Product You Might be Missing
Have you tried telling the income story with your clients but were held up by a rider charge? Make the NAC IncomeChoice part of your business today. It is our top Lifetime Income Potential product with no additional rider charge! Learn more.
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Welcome to the One-Stop Shop
Educate yourself, train others, or prospect to clients to increase sales – it’s all here! Campaign in a Box includes: social media posts, blog content, eNewsletter stories, emails, interactive sales tools and much more. No passwords or logins required.
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Retirement and Planning Tools
When it comes to developing an overall retirement strategy, knowledge really is power. The resources available on our public website can help clarify your clients’ needs and goals – and give them insight into the latest research.
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Add More Life to Help Your Clients Prepare for Retirement
Prudential’s new marketing campaign focuses on the role that life insurance can play in your clients’ retirement planning. It addresses the challenges that can derail years of retirement preparation such as taxes, healthcare expenses, outliving assets, market volatility, and low interest rates. Life insurance provides a valuable death benefit and can also be an effective way to generate a stream of supplemental retirement income to help keep your clients on track to meet their goals. Prudential will be raising awareness with consumers about the role of life insurance in planning for retirement over the coming months. Visit our new web destination www.prudential.com/AddMoreLife for useful information about Adding More Life to your book of business.
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Webinar: The Value of Using an LTC Rider with Business Clients
There are many differences between long-term care and chronic illness riders, especially when using them in business case scenarios. Join us to learn about the importance of understanding the tax and claim differentiators between the riders and how these riders can enhance case design with “outside the box” flexibility and solutions.
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Monthly Market Overview
Click here for a brief client-approved recap of Lincoln's observations on markets and volatility for June 2016.
Updated Term Conversion Guidelines
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. Guidelines for commissions paid on permanent policies are being adjusted based upon the policy year at the time of conversion. Read more.
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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.
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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.
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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.
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Annuity Fact Finder
Click here for a great Annuity Fact Finder
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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.
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- 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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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!
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