3 Mark Financial, Inc.

3/22/2017

"Guaranteed Death Benefit Solutions!"

Guaranteed Death Benefit with cash value or without cash value.  Living benefits including chronic and critical illness available at no cost.  

 Please Join us for a Webinar with Ronnie Russell National Sales Manager American National later today at 3:00pm Central

Check Out the Facts on Having Enough for Retirement

Many facts and stats show that having enough money for retirement is a real challenge for a number of reasons. Use this retirement infographic to start conversations about how life insurance can help be part of the solution. And visit RetireStronger.com for more sales ideas and tools.  

Care Coordination Program - Free Benefit via Chronic Illness Rider

One more reason to love our Accelerated Access Solution (chronic Illness) rider- the Care Coordination Program is a completely free benefit. Clients can use it to connect with Care Management professionals for support as they arrange for needed long-term care services.  Learn more. 

Three-Step Strategy for Protecting Clients’ Income for Life

Your clients are looking to you to help grow and protect their money. That takes a personal income strategy. Establishing a plan might be as easy as 1 ... 2 ... 3.  Read more. 

Expand Your Reach Into Business Life Insurance

You want to help ensure your business clients have the tools they need to be successful. Together with the Nationwide Business Solutions Group (NBSG), you can make sure they do. As a leader in the business life insurance market for over 20 years, NBSG has the resources and support you need to start the business planning conversation. So whether your clients need to recruit and retain top talent or develop a business succession plan, NBSG can help you through the process. To learn more, take a look at our Business Life:  Getting Started video.

Add Value to Your Sales with Accelerated Death Benefits

Accelerated death benefits can provide clients with a little more comfort during a difficult time. Learn more about these valuable riders.  Learn more.  

Sales Idea: A Unique Twist on Key Person Life Insurance

A Stay Bonus can make it worthwhile for select employees to continue to work for a business when it's time for the next generation to take over. Learn more about using Income Advantage IUL for this planning strategy.  Learn more. 

Actual Crediting History?

Does your indexed universal life (IUL) carrier trace its origins to the beginning of the IUL marketplace? Employ people with firsthand knowledge and experience gained by developing and marketing products that have led the IUL industry? Use product designs tested and proven through real market cycles? Offer an IUL product with 10 years of interest crediting history? 

We do! If you're not working with us for your clients' IUL needs. you may be missing out on the benefits of selling products designed by proven experts who know you, your clients and the IUL marketplace.  Learn more. 

UL Protector Transition Rules

There are so many carriers, so many rules and so much to remember, it is easy to lose sight of critical dates. Because we must hold firmly to the transition rules (dates in terms of old vs. new rates), we wanted to provide a timely reminder. Key dates are below but please review the full transition rule document for all details. 

• March 26: Last day that an application can be signed with a request for Old Rates
• March 27:  Applications dated March 27th and later will receive the New Rates only
• April 3:  Applications based on Old Rates must be received in the Home Office by April 3, 2017. Applications dated prior to March 27 but received in the Home Office after April 3 will be processed with the New Rates
• June 30:  Inforce Placement Deadline for cases with old rates

This IUL is in a Class of its Own

The all new Accumulation IUL now ranks among the best in the industry in cash accumulation scenarios, with access to the Hang Seng(R) Index and the new Plus Capped Account for greater earning potential. Combined with increased target premiums for you and the popular John Hancock Vitality Program for your clients, Accumulation IUL is in a class of its own.  

Sales Tools and Marketing Materials 

To learn more about Accumulation IUL and Accumulation IUL with Vitality, go to JHSalesNet.com or Download our Accumulation IUL sales tools and marketing materials.

OPTerm 25 Exchange Program Extended

The OPTerm 25 Exchange Program has been extended until June 21, 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.  Read more.  

Increased Retention Limits for Symetra UL-G and CAUL

We are pleased to announce that effective April 1, we will be increasing our retention limits for our Symetra single life insurance product portfolio to $5 million. With these new limits we can provide even more underwriting flexibility and enhanced competitive positioning.  Learn more. 

 Symetra Survivorship UL-G Product Update

As a result of market dynamics that disproportionately impact our survivorship product, today we have two announcements: 

• We are implementing additional deadline dates for pending applications.

• We will be reducing our maximum death benefit cap from $7.5 million to $3 million. 

 Please see important deadline dates and transition rules here. 

Understanding Accumulation Bonuses and How They Impact Policies

Fixed index iniversal life insurance policies provide your clients with valuable death benefit protection and cash value accumulation potential. It is common for policies to include accumulation bonuses to give the accumulation potential a boost – but it’s important to know that not all bonuses work the same. At Allianz Life Insurance Company of North America (Allianz) we have a bonus beginning in policy year 11 that your clients can count on – it’s guaranteed.  Learn 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.

Help Secure a Better Future for Your Clients, Today

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.  Learn more. 

Lincoln MoneyGuard II Product Update

Following an in-depth analysis of all factors that influence pricing, we are implementing the following changes for new sales of Lincoln MoneyGuard II effective on April 17, 2017, pending state approval. 

• Due to customer demand, we are expanding our flexible payment options beginning at age 40.
• Pricing changes for new sales of Lincoln MoneyGuard® II.

Learn more. 

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.

Automated Underwriting Eligibility Expanded

Clients applying for up to $1 million of coverage through AppAssist, may be eligible for approval with no medical exams, labs or APSs required.  Legal & General America is committed to delivering simple, automated solutions to our BGA partners, brokers and customers, that save both time and money. Since the Spring 2016 launch of our automated underwriting solution, APPcelerate, we've been working hard to improve and expand the eligibility criteria. Face amount limits have been increased for APPcelerate eligibility requirements at certain ages.  Read more. 

Explore the Basics of Cardiac Anatomy and Physiology.

Join us April 13th to learn about cardiac structures, cardiac conduction system and coronary artery anatomy.  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.