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3 Mark's In The Loop Newsletter

3 Mark Financial, Inc.

1/25/2017

In The Loop This Weeks Highlights

Join Levi Robinson, from AIG as he discusses

Secure Lifetime GUL 3 & The 10-10-10 Plan 

Webinar Later Today at 3:00 PM Central

 Topics Covered Will Include

  • Competitive Premiums, Targets & Guarantees With Secure LifeTime GUL 3
  • Return of Premium (ROP) enhancements
  • Accelerated Access Solution: Chronic Illness
  • The Case for LifeStyle Income Solution: Longevity Insurance
  • The 10-10-10 Plan
Register Now
In The Loop Life Insruance

The Longevity Connection: Prudential's Perspective on the Stanford Sightlines Project

Three out of four Americans indicate that they want to live to 100 if they can do so in good health. In the Sightlines Project, sponsored in part by Prudential, researchers at the Stanford Center on Longevity explore three domains that are critical to well-being as people age: financial security, healthy living, and social engagement.  This article provides Prudential’s perspectives on the interdependencies of these three domains, and how improved behaviors in even one domain may help Americans live longer, healthier lives.  Read More.

Zurich recently announced the launch of the Zurich Protection ULTM, its inaugural fixed interest universal life product in New York, making it available in all 50 states.  

Retirement Savings Need to Last Longer. Adding More Life Can Help.

Retirement strategies that are balanced with Life Insurance can provide a needed death benefit and help your clients' retirement savings last longer. We have materials and tools to help you all through the year. The first quarter focuses on Outliving Retirement Savings. See what's available to you here 

Are You Ready to “Rise” With the Multicultural Market?

Truth is, the multicultural market isn't emerging—it’s already here. Our latest video—I Rise—replaces our Faces of America video and highlights the economic power of women and multicultural consumers. Prudential is committed to giving you innovative products and robust resources to help you tap into the ever-expanding multicultural market and grow your business.  Watch Now!

Vitality Active Rewards with Apple Watch

The John Hancock Vitality solution already rewards your clients for healthy living. Now, they can earn an Apple Watch Series 2 for as little as $25, by exercising regularly. Whether your clients enjoy walking, running, biking or swimming, the more active they are, the more Vitality Points they’ll earn towards funding the full cost of their watch. It’s just another way we’re helping people live longer, healthier lives.  Read more.

Life Credits is a robust, proprietary rate personalization program that allows a proposed insured's favorable health factors to improve underwriting offers. Unlike common table reduction programs and existing crediting programs offered by other life insurance carriers, we can apply credits from Preferred to Table 8! 

Our credits program has no face amount limits and it available through age 80. We can reduce up to 3 tables. This crediting program is used when possible on every single permanent case that comes in the door as long as the insured is under the age of 80.  

Download the attached piece to see all details and a quick case study showing how our Life Credits program can benefit your clients and help you win cases.

Help Your Clients Get the Most Out of their Term Policy

Our Term Life Answers conversion privileges help keep your clients protected now and in the future. Read more 

Illustrate the Income Potential of Income Advantage

One of the key selling points of Income Advantage IUL, in addition to the death benefit protection, is the future income potential. Learn how to illustrate this for your clients.  Read more 

Help Your Clients Determine Their Life Insurance Need

Life Insurance for Living helps clients determine their life insurance needs. Learn how you can get this valuable resource in print, or download it as a mobile app.  Read more

When You Choose Indexed Choice UL, You Become the Hero

We all know helping a family gain the protection of life insurance is an honorable act. Now that action will result in an even more heroic event: supporting your communities and becoming a hero for those who need it most. When you choose Protective Indexed Choice UL within the campaign timeframe, you can help us support one of these worthy causes

Smaller Term Policies Now Available, with Simple Non-Medical UW

For <$100,000 Select-a-Term policies, you can now provide simplified, non-medical underwriting, resulting in a fast, and convenient path from submission to approval! Eligible cases must be submitted through AG Quick Ticket. Click here to learn more.

Economic and Financial Markets Monthly Review

The January edition of Nationwide Economics' Economic and Financial Markets Monthly Review is attached. This publication features our in-depth analysis and insights into what's happening and why in the economy and financial markets.  Read more.

Important Life Product Updates

As we navigate today’s challenging environment, we continue to keep our sights on finding new ways to help our partners grow their business and reach new customers. 

Today we are sharing three important life product announcements: pricing improvements to LifeElements Level Term and TermAccel, increased pricing on new sales of LifeGuarantee Survivorship SUL, and changes to the caps, participation rates and spreads of the IUL product suite.  Read more

A-List Term Carve-Out Life Program

A specifically designed carve-out product for the institutional purchase of individual life insurance for executives, professionals, physicians and other highly compensated individuals – delivered on a specially tailored underwriting basis and pricing schematic.  Learn more

Symetra SUL-G and UL-G Product Changes

Symetra remains committed to the Guaranteed Universal Life space. Along with our commitment to offering competitively priced products, we are equally committed to providing you and your clients with products that are sustainable. 

As a result of the historically low interest rate environment and the competitive landscape, we will be instituting changes to both our Survivorship and Single Life UL-G products effective February 8, 2017.  Read more

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.

In The Loop Annuities / LTC

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.
In The Loop Underwriting New Business

Limited Power of Attorney FAQ For high net worth foreign national cases

The attached general discussion of frequently asked questions about the use of the Limited Power of Attorney (LPOA) form for HNWFN cases. It is not exhaustive and may change frequently. Please note that the use of a Limited Power of Attorney is optional.  If you have other questions that are not addressed here, please contact Fabian Gonzalez at 612-342-7486.

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 micrositeRead 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.

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