3 Mark Financial, Inc.

3/08/2017

"Plan for Their Financial Future"

 Please Join us for a Webinar with David Bond a MoneyGuard Wholesaler with Lincoln Financial later today at 3:00pm Central

Video: How About a “Road Trip” to Retirement?

Let your clients explore how Index Universal Life (IUL) insurance can help provide tax-free income over time. Short and easy to follow video explains how clients can withdraw cash value or borrow against the policy for any reason, including supplementing retirement income, and more.  Watch video.  

Retirement Income Planning Needs Strategy, Not Gimmicks

There isn't a one-size-fits-all financial strategy, that's why clients need a personal income approach that adapts to their ever-changing needs. You can help them plan for inflation, market volatility and the possibility of a longer life.  Here are some online resources and tools to help you help them.

March 13 Product Updates

 - Long-term Care Rider II will be available on Nationwide YourLife® Indexed UL, Nationwide YourLife Indexed UL Accumulator and Nationwide YourLife Indexed UL Protector in states listed in the transition rules.

 - Pricing change to Nationwide YourLife® Guaranteed Level Term due to shifting mortality trends. The majority of the changes are price decreases. The new pricing will apply to all new business. See transition rules for key dates and other important details. 

2017 Tax Kit

Our 2017 tax kit includes materials to help clients file their 2016 taxes and refine a tax strategy for 2017 and beyond. Go to the Tax Center on nationwide.com for more information and ideas.

The Lincoln Leader

Click here to download this month’s edition of The Lincoln Leader for updates on Indexed Account Rate Changes, MoneyGuard II and more. 

Term Life Answers

Learn about the benefits and selling points of United of Omaha's Term Life Answers. Learn more. 

 The Cake Doesn't Need an Extra Candle

At United of Omaha, we still use age last birthday. Learn why this gives you an advantage with your clients.  Learn more.  

Income Advantage IUL Offers Protection, Growth and Flexibility

Many people interested in life insurance protection also want the potential for tax-deferred growth that can be accessed later in life for things like retirement, college tuition or emergencies. Learn how Income Advantage IUL can help provide a solution for these client needs.  Learn more. 

Still Big Case GUL Leader

When it comes to universal life insurance with a no lapse guarantee, you’ll find that Symetra UL-G stands apart from the competition.  Learn more. 

MetLife/ Brighthouse - Important Life Insurance Information

Important information regarding illustration systems, applications/forms and eNew Business. Learn more. 

Taking Your Advanced Markets Practice to the Next Level

Keep on top of key advanced marketing issues and opportunities with our Advanced Perspectives newsletter. This quarter's topics include life insurance solutions for a variety of needs and potential new regulations on valuation discounts for family businesses.  Learn more.  

Introducing SecureCare Universal Life from Securian

Long-term care's high cost is a growing concern and top-of-mind for clients. Help secure your clients' future with SecureCare, Securian's newest product, which offers long-term care benefits, a death benefit and more.

New Pricing for PruLife UL Protector

We continuously strive to offer a relevant suite of product solutions that align with the needs of your customers, at a competitive price. With that in mind, we have introduced new pricing on PruLife UL Protector, effective March 6, 2017, pending state approvals. The price increase is necessary to maintain the sustainability of UL Protector during this ongoing period of historically low interest rates. We will continue to monitor pricing on our entire suite of products and exercise the financial discipline that has helped Prudential provide enduring value to its clients for over 140 years.  Learn more. 

New SmartProtect Term with Vitality

We’ve repriced SmartProtect Term with Vitality and continue to offer your clients competitive premiums and a streamlined underwriting decision. We’ve also added a new “Select” underwriting risk class — allowing you to capture an even broader market. 

Video – This Looks Like a Job for a Superhero

On the surface, we know life insurance can offer valuable protection for loved ones. BUT it also has superhuman powers that people may not know about. Watch this video to learn more about the rate of return on a life insurance death benefit.  

Need Access to More Capacity?  It Just Got Easier with John Hancock’s Jumbo Plus!

John Hancock Insurance can now offer special access to Jumbo Plus on both single life and survivorship products — up to $50 million!  We've also updated our Guide to Retention and Automatic Reinsurance Capacity to reflect Jumbo Plus.

Customer Marketing Initiative

At Legal & General America, we are always searching for new ways to reach our shared objectives of acquiring and retaining business. That’s why we’re pleased to announce our new customer marketing initiative, which we are confident can enhance revenue opportunities for you and your agents. This initiative will offer a new coverage option to current LGA policyholders. Specifically, it will give select policyholders the opportunity to purchase an Accidental Death (AD) policy with no evidence of insurability. The program will be handled entirely from the LGA home office — with little to no effort or expense on your part!  Learn more. 

IUL Delivers Help When Your Clients Need It Most

As common as they seem to be, illnesses can wreak havoc on the lives of Americans every day, disrupting both family life and financial plans. In addition to death benefit protection, North American's Indexed Universal Life Insurance (IUL) products can also help provide financial stability should serious illness strike.  Learn more.  

Save time, Be Seen on Social Media

Efficiently find shareable, relevant, client-approved social media content when you visit North American’s Facebook page. With a click of a button, you can be a trusted resource and stay top-of-mind with your clients. 

Video: Maximize Social Security by Taking a Drive Down Route 65

Share Bob’s story, which shows how your clients can retire on schedule while maximizing their Social Security payments, with help from North American. Video. Flyer. 

Stand Out Among Your Peers

Click here for dynamic new resources and marketing tools. 

Webinar Replay: The Washington Update with Andy Friedman

We recently held a conference call with Andy Friedman, political affairs expert and financial analyst, regarding his Washington Update. The feedback has been incredibly positive. Many financial professionals were able to extract a lot of useful information that will help them and their clients this year and beyond. If you didn’t have an opportunity to join us for the live session or if you would like to listen again, here is your chance to listen to a replay of the call.

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.

LTC vs CI - New Campaign in a Box

Find out which is right for your client: LTC or CI? Get sales ideas and client prospecting tools; BGA promotional materials; and unique selling strategies for client meetings all in one place:  RetireStronger.com/Campaign.

April 10 Change to CareMatters

Nationwide is committed to carefully managing our life product portfolio to remain a strong, stable carrier you can rely on today and into the future. Due to the historically low interest rate environment, we are making a change to Sales Proposals on our linked benefit LTC solution, Nationwide YourLife CareMatters: Maximum issue age for single-pays is being reduced to 69 (the maximum issue age for single-pays is currently 70; maximum issue age for multi-pays remains at 75). This change is effective for any policy with a Policy Date on or after April 10, 2017. Please refer to the attached transition guidelines for more details. 

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 AGL Lockbox Ready for Your Business

Please update your records and begin using our new lockbox addresses listed below for all New Business applications, initial premium payments, and related  correspondence for Life and A&H products underwritten by American General Life Insurance Company (AGL).  Learn more. 

Do you have clients that you think will be eligible for standard or better rates on a single life case? Take the Fast Lane and get that case placed quickly! Leverage Tele-med interviews to skip the lab. Fast lane Underwriting average is 5 days compared to the normal Underwriting average of 26.  Learn more.