3 Mark Financial, Inc.

10/12/2016

Join Ronnie Russell as he discusses Signature IUL

Webinar Later Today at 3:00 PM Central

Take a deeper look into how Signature IUL can work effectively with clients by creating flexibility with the guaranteed Cash-Out Rider should your clients needs change in the future.   Ronnie promises several sales ideas you won't want to miss.  If that weren't enough The GUL Table Reduction Program could provide an added benefit for your clients.

Differentiate Your Business with Nationwide Resources

Nationwide created brand new videos focusing on Social Security for you and your advisors. These videos enable your advisors to help clients plan for and live in retirement by educating them on the opportunities associated with Social Security. This access, paired with additional online resources, can help you and your advisors differentiate yourselves from the competition. 

A Policy for When Life Happens

Life doesn’t always go as planned. With Protective Indexed ChoiceSM UL and the ExtendCare Rider, your clients could benefit from a dual-purpose policy that provides life insurance protection plus access to the death benefit in case of a chronic illness.  Learn more. 

Pricing Change to NLG-UL for New Business

At Nationwide, we are committed to carefully managing our life product portfolio in order to remain a strong, stable carrier you can rely on. Given this commitment – and the historically low interest rate environment – we are changing the pricing on our Nationwide YourLife No-Lapse Guarantee UL (NLG-UL), effective November 7, 2016. Target premiums are not changing. Also, the Nationwide YourLife No-Lapse Guarantee Survivorship UL II (NLG-SUL II) is not changing. Learn more. 

Symetra’s ROP Riders: Ideal for When Client’s Needs Change

Despite careful planning, sometimes your client’s long term goals and needs can change. For business clients or clients who may be concerned with outliving their retirement savings, our Return of Premium riders may provide an optimal solution. Our new target market flier illustrates scenarios where Symetra UL-G and SUL-G with optional return of premium riders provide guaranteed, no-lapse protection with added flexibility for changing client needs.  Read more. 

Accelerated Benefits Add More Value to Your Life Sales

Accelerated death benefits are an important selling feature on today's life insurance products. Learn more about how our riders work and the value they can provide to your clients.

Take out the Mystery and Confusion of How IULs Credit Interest

While an IUL policy is not a savings account, it may be easier to understand how an IUL index interest account works by understanding the fundamentals of how a savings account at your bank works. Check out the informative and easy to understand explanation of

how index interest accounts work. Max Accumulator+ Brochure.Life To The Max Consumer IUL Sales Tool.

The Lincoln Leader

Click here to download the latest copy of The Lincoln Leader for updates on foreign national guidelines, process enhancements to TermAccell and LincXpress, and more. 

Unlock Solutions to Protect a Retirement 

In addition to providing death benefit protection, life insurance can help protect a retirement plan from falling short AND give financial solace to families upon death. There are very little other financial products that can do what it does with the tax advantages it provides.  Read more. 

Brighthouse Financial Files Form 10 Registration Statement 

MetLife, Inc. (NYSE: MET) today announced that Brighthouse Financial, Inc. filed a Registration Statement on Form 10 with the U.S. Securities and Exchange Commission (the “SEC”). The filing of the Form 10 is an important step in MetLife’s plan to separate into two independent publicly traded companies. The filing provides information on the strategy and historical financial data of Brighthouse Financial and will be updated with additional information in subsequent amendments as the SEC reviews it.  Press Release. FAQs. 

Hybrid products are a fresh approach to retirement and estate planning. These products, sometimes referred to as combo or linked-benefit products, cover opposing risk groups by combining long-term care coverage with life insurance or an annuity.

CareShield: Benefits Your Clients Can Depend On

Now Available! CareShield™ is our newest product providing both a simplified option for guaranteed premium life insurance protection and a solution for your clients' future care needs. By combining a universal life insurance policy with built-in living benefits, clients may provide a tax-free death benefit to loved ones upon their death, receive living benefits for chronic and terminal illness and receive a premium refund if they elect to discontinue coverage after a specified number of years.  Learn more. 

Help Clients Take Control of LTC Needs

At Nationwide, we want to help you prepare your clients for potential long-term care (LTC) needs in retirement. By repositioning assets into a Nationwide CareMatters policy, your clients can create a larger pool of money for LTC expenses.  Read more.

LTC awareness campaign Brainshark video

Share this short Brainshark video with clients to introduce the essential LTC conversation.

Announcing the 2016 LTC Cost of Care Survey Results 

We are pleased to announce the release of our 2016 Cost of Care Survey, conducted by LifePlans, Inc. This year’s survey revealed that the cost of long-term care services continues to rise. To learn more, review our key findings brochure (LTC-1167), and access our updated interactive calculator. 

Don’t Put Your Clients' Nest Egg at Risk!

Learn why your clients should reconsider self-insuring their LTC costs by showing them how LTC insurance can protect their retirement savings. Our latest sales idea in the “New Ways to Sell” series, shows what can happen to an asset when an LTC event strikes.  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.

Protective Life Bulletin discusses products available for conversion.

Did You Know These Three LGA Underwriting Niches?

• Add One Inch! LGA will automatically add one inch to the proposed insured’s height to potentially boost the rate class. 
• We can improve an underwriting decision by ONE class ...IF the one adverse finding was for build, blood pressure, family history or cholesterol/HDL ratio...AND IF the respective Crediting Criteria is satisfied
• Our Table-rated cases are based on standard plus rates compared to other carriers’ standard.

Learn more.

Improvements to our Underwriting Guidelines

As of Oct. 1, Mutual of Omaha is making some significant improvements to our underwriting guidelines on fully underwritten life insurance business. Learn more about the changes.  Read more. 

Reduce Up To 3 Tables

Our life credit program provides an individualized underwriting approach for each potential insured and applies credits based on favorable health factors which can reduce ratings up to 3 tables. Unlike common table reduction programs and existing crediting programs offered by other life insurance carriers, we can apply credits from Preferred all the way to Table 8!  Learn more.