3 Mark Financial, Inc.

1/18/2017

Join Rosanne Kaufmann, Sales Director at 3 Mark Financial she discusses why you should consider Asset Based LTC for your clients.   

Webinar later today at 3:00 PM Central

Long-term care (LTC) is one of the most talked about subjects in the financial services industry; but despite all the talk, it’s estimated that only 10% of Americans have long-term care coverage. In fact, according to a Nationwide Retirement Institute survey, 71% of pre-retirees say one of their top fears in retirement is health care costs spiraling out of control, yet 60% haven’t discussed those concerns with their spouse, children, or financial advisor. Long-term care needs may be a significant part of health care costs in retirement, yet it is clear people are still not taking action. Presenting LTC solutions to a client with successful results can be challenging, but once we understand some of the roadblocks, we can avoid them and help direct clients towards a more positive and comprehensive outcome using an asset-based approach to fund long-

New York Product Update 

Effective January 17, 2017, new sales of UL Protector policies issued in New York will see increased rates. Also effective January 17, 2017, the new version of our BenefitAccess Rider, which offers a choice of monthly benefit payout options (either 2% or 4%), will be available on all permanent products sold that currently offer the BenefitAccess Rider in New York. Finally, there is an important note regarding a New York state requirement for the BenefitAccess Rider, which applies to new and existing policy owners with BenefitAccess Rider. Learn more.

Don’t Risk Frustrating Your Clients

When a policy doesn't perform as originally illustrated, your clients can get frustrated. Help avoid this scenario with Protective Indexed Choice UL—an IUL solution with lower policy expenses and a realistic illustration rate.  Learn more. 

Tax Proposals of President-Elect Donald J. Trump

After the recent election of Donald J. Trump as the 45th President of the United States, many taxpayers are wondering what changes, if any, to expect in federal tax laws from the coming Trump administration. In this Special Edition of John Hancock Central Intelligence, we summarize some of the most significant tax proposals published by the Trump campaign in the months leading up to the election.  Learn more. 

Protection SIUL with Vitality Product Presentation

Protection SIUL is often the most affordable survivorship Indexed UL product on the market and with the John Hancock Vitality Program, clients can save even more and earn valuable rewards and discounts for living a healthy life. Take a look at the key highlights and selling points for the product.  

Now Available: New Product Portfolio and Underwriting Guide

Order your new January 2017 guides today. These booklets are your go-to resource for knowledge and information about our life insurance products and underwriting services.  Learn more.  

Accelerated Benefit Rider Materials Updated for 2017

The Accelerated Death Benefit Rider for Chronic Illness is capped by the IRS per diem limit. For 2017, this limit has increased. Learn what that means for your clients, as well as which materials have been updated.  Learn more.

Signature Guaranteed UL: A Powerful Combination

Your clients shouldn't have to sacrifice features or guarantees for price. With Signature Guaranteed UL, they don't have to.  Learn More

Lower Premiums and Higher Targets

Lifetime Foundation can illustrate one of the most competitive premiums on the market today while offering a new approach to lifetime guarantees. A scenario in which Global Atlantic has a distinct competitive advantage is illustrating premiums to carry to age 121. Download the attached piece to see how we stack up against our competitors with not only premium but also target premiums.

New Year, New Training

Even the best athletes have to train hard for success… Check out the new interactive Training Playbook, offering product and concept learning, to generate business opportunities in 2017 – visit: aig.com/TrainingPlaybook.  

Index Strategy Options Explained

With so many options, it’s hard to know which ones to recommend to your client, which ones to illustrate, etc. Refer to this short brochure for simple explanations and illustration tips.  Learn more.

The Lincoln Leader

Click here for the latest issue of The Lincoln Leader and an update on term conversion guidelines. 

Ideal Solution for When 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.  Read more. 

Benefits of Diversifying Your FIUL Policy

Diversification can be an important component of any fixed index universal life (FIUL) allocation strategy. Diversification of allocations may help reduce volatility risk and smooth out volatility. In addition, diversification may be able to help limit the likelihood of your client’s policy receiving 0% interest in any given year. Share our latest client-approved sales material, “The benefits of diversifying your FIUL insurance policy,” with your clients to help them understand the impact diversification may have on their potential earned interest credits. Download the sales idea and product consumer brochure. 

Find New Sales Opportunities in Your Book of Business

Looking for new ways to expand your business and incorporate life insurance into your client’s overall financial strategy? Our new Life Insurance as a Financial Engine (L.I.F.E.) program provides NEW sales concepts for positioning life insurance as an asset in an overall portfolio.  Learn more. 

Check it Out - Client Videos on YouTube

 Looking for an easy way to access and share our consumer videos? You’re in luck! Check out Securian’s YouTube channel to view some of our most popular videos.  Visit YouTube.

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.

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.

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.

Grow Your LTCi Sales with Mutual of Omaha

LTCi is a product many people need, but too few own. Given the demographic shift as 70 million baby boomers enter or near retirement and with no viable government alternative on the horizon, we see LTCi as a product with incredible potential for growth.  Learn more. 

LTC awareness campaign Brainshark video

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

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.

New Underwriting Dialouge: Aortic Stenosis

Read our new UW Dialogue on Aortic Stenosis. Add your agency logo and share with your brokers. Find this newsletter on our underwriting microsite. Read Dialogue. 

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.

Symetra Financial has an agreement with one of their reinsurance partners to offer HIV positive clients and insurnce solution.  Chick here to read the Symetra amouncement.

John Hancock is pleased to be one of the first U.S. insurance companies to offer
both term and permanent life insurance coverage to persons living with human
immunodeficiency virus (HIV).  Chick here to read the announcement.

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.

Protective Life Bulletin discusses products available for conversion.