3 Mark Financial, Inc.

9/14/2016

Join Stephen Alloy, JD, MBA, CLU, ChFC from Mutual of Omaha as he discuss new solutions for your business owner clients using IUL.

Join Mutual of Omaha Advanced Markets for a webinar on how to use indexed universal life insurance to create options and build cash for business owner clients.

 Webinar Later Today at 3:00 PM Central

The Power of Adding More Life

With so much uncertainty, your clients are worried about the income they'll have in retirement. There are many risks that could take them off course - taxes, healthcare expenses, and more. You have the power to help them with a remarkable solution. Life insurance. You know it provides death benefit protection for the people your clients love. It can also play a critical role in a retirement strategy with tax-advantaged, supplemental income. Learn more. 

Life Insurance Awareness Month (LIAM) Resources Galore!

AIG’s updated LIAM site has a great new Value of Insurance infographic – available exclusively to our valued partners. Be sure to also check out AIG’s available LIAM email signaturesand social media content.

More Death Benefit, More Flexibility

Protection UL is a popular alternative to no-lapse guaranteed products. In many scenarios it offers lower premiums, higher cash values, and more flexibility than even the leading Guaranteed UL (GUL) products.  Learn how Protection UL can give your clients more with this competitive flyer.

IUL Elevates Retirement Income Potential

Online Nationwide YourLife Indexed UL Accumulator client materials help you elevate your clients’ retirement income. Resources include a short video that helps clients interested in “Living retirement their way” (also available on YouTube, a presentation that explores how to “Elevate your income potential” and a sales idea that describes the tax advantages of using life insurance in a financial plan. 

The Lincoln Leader

Download the latest copy of The Lincoln Leader for updates on Lincoln term conversions and product options for new business. 

Great Just Got Better - Lower Rates for Custom Choice UL

Protective Custom Choice UL—now even more competitive with a 1.5% premium decrease in level death benefit periods of 15, 20, 25 and 30 years for non-smoker risk classes.  Get a quote. And don’t forget about the added value Protective Custom Choice UL offers clients, like level premiums after the coverage period ends.  Avoid the shock.

There’s an App for That

“There’s an app for that.” We hear it all the time when faced with everyday information and productivity needs.  Having the right smartphone app can be a helpful, convenient way to obtain directions, restaurant reviews or a quick weather update. Wouldn’t it be nice if there were also a convenient resource to help manage through financial challenges, such as disability, job loss or pre-mature death? As a life insurance agent, you know that permanent life insurance may be the best “app” for your clients’ finances. In addition to death benefits, life insurance policies offer options and features that can help your clients navigate a multitude of financial challenges.  Download this week's Flyer "The Original Go-To App”. Watch this week's video "What Can Life Insurance Do for You?"

How Much Life Insurance Protection Do Your Clients Need?

This is a common, yet difficult question to answer. That’s why we have our Life Insurance Needs Analysis calculator. Our calculator will help your clients determine an appropriate amount of protection they may need.  Learn more.

Annuity Fact Finder 

Click here for a great Annuity Fact Finder

 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. 

DIY Your Fixed Annuity Business

Watch this webinar replay for tips to streamline your fixed annuity cases!

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.

This fall, eligible standard or preferred single-life applicants will receive an automatic risk class upgrade from Global Atlantic.  Learn more.

Underwriting Enhancements

We are pleased to announce new underwriting enhancements to our Preferred Criteria and APS Guidelines, effective August 16, 2016. Get all the details by clicking here. Download the new Underwriting Guidelines effective August 16, 2016.

Protective Life Bulletin discusses products available for conversion.

Flex Clients into Better Rate Classes

For non-tobacco users with positive lifestyle and medical characteristics, we offer our Fit Underwriting Credit Program. Not a table shave program, Fit Program allows for up to an additional table credits and is applicable across UL and Term programs. Promote our Fit Flyer to your agents to provide them with more details and information on how to apply.