3 Mark Financial, Inc.

8/24/2016

Join Sharon Coats and Robert Houle with Nationwide as they discuss new solutions for your clients using IUL

Take a deeper look into how IUL works, and learn more about Nationwide's two IUL products IUL Accumulator and IUL Protector with a focus on unique features for your clients.

 Webinar Wednedsay August 31, 2016 at 3:00 PM Central

Video: Elevate Clients’ Income Potential with Life Insurance

Did you know that only 14% of pre-retirees say they're very confident they'll be able to live the retirement lifestyle they desire? Offer them a triple layer of tax protection with Nationwide YourLife Indexed UL Accumulator, so they can live retirement their way. Learn more with our new client video.

Stay on Top of the Term Market — New Lower Rates from John Hancock!

We've made improvements to our John Hancock Term 2016 rates, which are now more competitive than ever! See how we are continuing to lead the industry, especially at the higher face amounts where we have the most #1 Term rankings.  Producer flyer.  Learn more at JHSalesnet.com. 

Business Owners Want an Efficient, Flexible, and Tax-Advantaged Strategy

 Your business owner clients and prospects want to attract and retain top talent. They also want the solution to be easy to implement and to control whom on their payrolls it's provided to. An executive bonus arrangement funded with life insurance may be the right solution. Learn more about this concept with Prudential's Executive Bonus eKit. It also gives you access to the marketing tools you need to help set the stage for your business owner conversations. Share the Executive Bonus eKit.

Answering the “What If’s” of GUL

Life is full of unknowns. In fact, sometimes the only certainty is change. That’s why our Guaranteed Universal Life (GUL) product is designed to offer flexibility to deal with life’s changes whether big or small. Our new ‘What If’ illustration report highlights this flexibility and allows agents to help their clients plan for the ‘What Ifs’ in life. This report can be added to GUL illustrations in both Winflex Web and Winflex Desktop. See the sample report and watch this short video to learn more. 

Tax-Efficient Accumulation Strategies

For clients looking to maximize growth while they are accumulating assets and then to reduce their exposure to market risk when they begin taking retirement income, consider this diversification strategy. Talk to your clients about the advantages of adding Lincoln life insurance to their retirement portfolio.  Learn more. 

Extra Retirement Income

What are you doing with your clients who are maximizing their contributions to their 401k and cannot contribute to a Roth IRA due to their income? What is your solution in this situation if the client is looking for additional ways to save for retirement and protect his family? If they receive any type of annual bonus at work our Lifetime Builder product could be the answer Download the attached piece to see how our Lifetime Builder product can provide your clients family a death benefit to help replace lost income if they were to die prematurely and also create an account value that will grow tax-deferred.  Learn more. 

Protect Loved Ones while Controlling Volatility Exposure with Exclusive Index

Who wouldn't love decreasing required premiums? What about speeding cash value growth How about help in managing ongoing expenses? Find out how the Select Income Rider, available on our new IULs (at no charge!), can help. By simply converting death benefits to guaranteed installment payments, you get a potential win/win situation for policy owners and beneficiaries.  Read more. 

Rise to the Top with Symetra UL-G’s Chronic Illness and ROP Riders

Guarantees. Flexibility. Access. Low pricing.  Do your clients want it all? With Symetra UL-G, you can give it to them. In addition to a guaranteed death benefit, Symetra UL-G offers Chronic Illness Plus and Return of Premium (ROP) riders for extra flexibility and access—at a lower premium than the competition.  See how we compete. 

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. 

New Threshold Participation Strategy (TPS)

Effective August 16, 2016 TPS is available on Performance Choice fixed index annuity.  Click here to read the North American announcement.

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.

Zurich just announced a revised build charts effective immediately. Weights have been liberalized across the top 3 bands (Preferred Best, Preferred & Standard Plus). Additionally, an older age (71+) build chart has been created with even higher limits.

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.