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3 Mark Financial, Inc.
2/08/2017
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Join Kevin W. Blanton, Associate Counsel Advance Markets John Hancock
Why Life Insurance for Wealthy Clients?
Webinar Later today at 3:00 PM Central
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Add More Life: Using Life Insurance to Protect Affluent Client Assets
Check out this article for a way to add more life to your clients' retirement plans. 9 Tips: Using Life Insurance to Protect Affluent Client Assets.
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Updated Heat Charts
Hopefully you had an opportunity to review Symetra’s announcement last week (original announcement included below). Here are updated heat charts updated to reflect these changes: GUL Price Advantage, GUL Heat Chart, SGUL Heat Chart.
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New Critical Illness Benefits
For life's "What ifs..." here's a better answer than "What now?” How about access to a portion of the life insurance death benefit during a life-altering event like a chronic or critical illness? Find out more about our new living benefit rider, available February 6th, here.
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Stars Aligned for Brighter Life Experience
We continue our journey through space to reveal more details regarding Securian's upcoming product launch. We're redefining the life insurance experience, leveraging our strong indexed life heritage as well as product and digital innovations. Explore the first two benefits here, and watch for our next email revealing the final "star"!
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Bring Life to Your Tax Conversation
6 of 10 Americans indicate tax planning is one of the main considerations when thinking about their overall financial plan. But in today’s economic environment, how can your clients overcome tax risk, low growth and high volatility to achieve their goals? February’s ONE meeting will focus on goals based planning with your clients and a big part of that conversation is around taxes and how to help lessen the burden for clients…not just for this year, but in the future as well. Learn more.
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2017 Products Available for Conversion
To help meet your clients' needs, Protective Life offers policyholders who own a qualifying* life insurance policy the ability to convert or exchange their policy to an eligible Protective Life permanent insurance option without providing evidence of insurability. Protective Life maintains two portfolios of products available for conversion: Basic Conversion Products and Expanded Conversion Products. Read more.
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Protection for When It Matters Most
Reduce risk, guarantee interest earning and protect clients with a flexible, reliable financial strategy. Retired boomers and those who are about to retire have unique financial needs. Help give them confidence they're prepared for whatever comes. Learn more.
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Wealth Transfer Sales Idea
The tax benefits of life insurance can make a significant impact when transferring wealth to the next generation. This one-page, advisor-approved sales idea illustrates this impact by highlighting the eight layers of tax protection life insurance provides and comparing Nationwide YourLife IUL Accumulator to taxed investments via a case study example.
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Video: Success is Never Final
How does an already strong company grow even stronger? Watch the video to see how North American is going to work to continue the company's success, and yours in 2017! Click here to watch.
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Important Product Update
Mutual of Omaha is committed to providing insurance solutions to help you protect your customers and prepare them for the future. As we continue to review our product portfolio, we must make business decisions that are in the best interest of our policyholders and our company. Effective March 1, 2017, we are suspending sales of the following products.
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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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CareMatters Case Study
Nationwide CareMatters provides flexibility when your clients need it most — while receiving long-term care. View our new sales idea to see how CareMatters LTC benefits stack up against the competition. Read more.
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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.
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Share this short Brainshark video with clients to introduce the essential LTC conversation.
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Annuity Fact Finder
Click here for a great Annuity Fact Finder
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5 Year Period Certain is back! Run a quote today! Click here to learn more.
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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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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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To help meet your clients' needs, Protective Life offers policyholders who own a qualifying* life insurance policy the ability to convert or exchange their policy to an eligible Protective Life permanent insurance option without providing evidence of insurability. Read the Protective Life Bulletin
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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.
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