3 Mark Financial, Inc.

2/01/2017

Join Kevin W. Blanton, Associate Counsel Advance Markets John Hancock

Why Life Insurance for Wealthy Clients?

Webinar Wednesday February 8, 2017 at 3:00 PM Central

Add More Life: Tools to Start Conversations

Expand your business by talking about the retirement derailers and how adding more life could be a solution. Have conversations around retirement readiness with clients and prospects or use this invitation and seminar in a turn-key approach. View Talking Points. View Presentation. View Invitation. 

Podcast: A Total Market Approach to Multicultural Marketing

Hear from Mammen Verghis and Kim Baker as they provide an overview of Prudential’s Total Market Approach.  A Total Market Approach to Multicultural Marketing.

Now is the Time: Insurance Planning with Low Interest Rates

Today’s historically low interest rates can offer some tremendous economic benefits to your high-net-worth clients.  View a quick informational video on low interest rate environments. 

Podcast: A Post-Election Conversation

What does a Trump administration mean for estate taxes, step-up in basis, life insurance cash value and the new fiduciary rule enacted by the Department of Labor?  Listen as Caroline McKay interviews Chris Morton, Senior Vice President of Government Affairs at AALU, on these important and timely topics.

Permanent Insurance with No Underwriting

Few things are guaranteed these days, and life insurance is not usually one of them. But now, with the Guaranteed Term Exchange Program, your clients can get valuable, permanent life insurance protection with NO UNDERWRITING. 

Through the guaranteed term exchange program individuals have the option to convert their Term policies issued by an eligible carrier to any of our current individually insured indexed universal life and universal life products.  Learn more. 

OPTerm 25 Exchange Program Extended

The OPTerm 25 Exchange Program has been extended until March 31, 2017. This program allows customers who purchased OPTerm 10, 15, or 20 within the past four years to trade up to an OPTerm 25 plan at his or her current attained age with no underwriting. The OPTerm 25 replacement policy will be a new issue, with a full 25 years of coverage, not adjusted by the duration the original policy was held.  Get Started 

Use Our Pre-Approved Marketing Kit to Reach Out to Clients

Use this letter to explain the OPTerm 25 exchange opportunity to clients. Use this follow up letter to remind clients about this offer. Use this phone script as a guide when speaking to clients. Personalize this flyer to promote the program to clients. And use this case study to help clients decide if 25-year term is right for them. 

Not Your Everyday IUL

Whether your clients need affordable death benefit protection, competitive cash-value accumulation potential, or the added security of chronic illness protection, Protective Indexed Choice UL is a flexible and versatile solution that can help.  Check out these sales ideas. 

New Child Rider Available on Select-a-Term

We recently announced that Select-a-Term, our flagship product, just got even more competitive! Now, we are pleased to announce that the new Child Rider is approved in all states except New York.  Find out details. 

Care Coordination Program

One more reason to love our Accelerated Access Solution (chronic Illness) rider, this benefit is completely free. Clients can use it to connect with Care Management professionals for support as they arrange for needed long-term care services.  Find out how to access it today.

Nationwide IUL Fixed Rate Change and New Maximum Illustrated Rates

Nationwide is committed to carefully managing our life product portfolio in order to remain a strong, stable carrier you can rely on. To keep this commitment – and in response to the persistently low interest rate environment – we are changing the Fixed Interest Strategy rate1 for all IUL products (see list below) from 3.50% to 3.25%, effective April 1, 2017.  Read more. 

Help Keep Harmony in the Family

If you have clients who own a family-run business, have you asked them to think about what would happen if they passed away? Would the way the business is transitioned cause tension among their adult children? This sales idea can help a business owner plan ahead.  Learn more.

Get More Term for Less

We’ve just made our term rates even more competitive. If you’ve got clients who want affordable convertible term, they’re going to like these options: For middle market clients, Lincoln TermAccel. Competitive rates ages 30-50 and $250k to $500k. No cost, fully electronic streamlined tele-app process with automated underwriting. Compare.  For affluent clients, Lincoln LifeElements. Competitive rates ages 45+ and $500k+. No cost, streamlined tele-app process for electronic and paper submissions available.  Compare.  

The Lincoln Leader

Download your copy of the Lincoln Leader for info on upcoming life product updates, per diem limits for 2017 and 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.

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.

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.

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.