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3 Mark Financial, Inc.
1/11/2017
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Join Matthew Clark, CLTC, Regional Marketing Director at OneAmerica as he discusses why you should consider Asset Based LTC for your clients.
Webinar later today at 3:00 PM Central
The State Life Insurance Company, a OneAmerica® company, offers specific products, based on life insurance and annuities, which can provide long-term care benefits if care is needed. If you never need care, your asset passes to the next generation and becomes part of your legacy — making asset-based long-term care an innovative alternative to traditional long-term care insurance.
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Do Your Clients Have a Business Succession Plan?
Neglecting to create an exit plan for the future of the business can create financial hardships for remaining business owners and partners, as well as the owner's family. Both creating and funding a buy sell plan is as essential to the continuation of the business after the loss of an owner. Read More.
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Help Your Agents Be the Hero
When your agents choose Protective Indexed ChoiceSM UL, Protective Life will make a $50 contribution to one of three worthy causes. Find out how our realistic approach to Indexed UL can help make your agents the hero for their clients and their communities. Low Expenses, Realistic Rates. Be the Hero.
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How To Provide Clients Retirement Income for $0 Out of Pocket
The new 10-10-10 plan will show you how to unlock the power of Secure Lifetime GUL 3. They can receive life insurance, chronic illness coverage and retirement income with a full return of premium. Learn more.
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Webinar: Future of the Estate Tax
Join Carly Brooks, J.D., CFP®, Advanced Markets Attorney, for a 20-minute special post-election webinar on what may be expected from President-elect Trump and the Republican-controlled Congress with respect to the estate tax. To take part in this live webinar, please register here.
History of the Estate Tax
The federal estate tax has undergone many changes since its earliest inception and its fate constantly remains a point of discussion. During his campaign, President-elect Donald J. Trump proposed a repeal of the estate tax. Our BYA Flyer gives a historical perspective of this tax to offer insight into what the future may hold for the estate tax under the Trump administration.
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Free Upgrade Continue in 2017!
If your life insurance clients qualify for a Standard rating, we’ll upgrade them to Preferred, automatically. If they qualify for a Preferred rating, we’ll upgrade them to Premier, automatically.
Starting September 1, we began giving automatic underwriting class upgrades to applicants with qualifying policies. This promotion has now been extended to March 31, 2017. To learn more about submission deadlines, maximum face amounts and other eligibility criteria, visit GlobalAtlanticLife.com/FreeUpgrade.
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Economic Review and Outlook
Economic activity slowed in 2016 from the already modest pace of the past several years, but it picked up a bit over the second half. Despite a slow start and the Brexit shock, equity markets rallied to set new highs and interest rates jumped after the Trump victory. And the Fed tightened in December. Read more.
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Illustrating the Advantages of Income Advantage IUL
Your Winflex illustration software includes reports that show how Income Advantage can help provide additional income that can be used for college expenses and retirement. Learn why you should include these with your next illustration. Learn more.
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Faster, Better, Cheaper - Insights from Dr. Martin Engman, MD
As we all know, the cost of most life insurance products is based on the risk of dying: policies for males, older individuals and those having health impairments are priced higher than for younger, healthier individuals. But it wasn’t always this way. Read more.
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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.
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Expand Your LTC Practice in 4 Easy Steps
We’ve created a suite of comprehensive long-term care planning tools to help you uncover opportunities, shorten your sales cycle, and build your practice in just four easy steps.
Learn more.
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Share this short Brainshark video with clients to introduce the essential LTC conversation.
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Sales Idea: Talking about LTC
Long-term care planning continues to be an underserved need. Our one pager includes four client prospects for LTC planning and three important questions to ask clients to help determine whether Nationwide CareMattersSM is a good fit.
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Annuity Fact Finder
Click here for a great Annuity Fact Finder
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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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DIY Your Fixed Annuity Business
Watch this webinar replay for tips to streamline your fixed annuity cases!
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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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Help Your Clients Get 'Fit' in the New Year
Our Fit underwriting credit program offers you many advantages for your clients. Learn who is eligible, what the lifestyle and medical criteria are, and how much it can save your clients in terms of premium. Learn more.
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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.
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The latest Global Atlantic Underwriting Advantage is here - Fast Lane accelerated underwriting.
Our suite of underwriting programs enable you to get your client in the best product, at the right rating - faster and with less hassle. Our Global Atlantic Underwriting Advantages include a dedicated Foreign Nationals program, a Life Credits program, a Guaranteed Term Exchange program and we back it up with a team of experienced underwriters. Our underwriters have an average of more than 19 years in the business. That level of expertise is something you won't find at just any carrier.
What can we do to make it even better? We're rolling out an accelerated underwriting program called "Fast Lane" that will enable you to skip the paramed and get to your underwriting offer faster than ever. Learn more.
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Protective Life Bulletin discusses products available for conversion.
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