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3 Mark's In The Loop Newsletter

3 Mark Financial, Inc.


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In The Loop Life Insruance

Give Your Clients Savings Longevity

Offer clients potentially more savings and less taxes with a qualified longevity annuity contract (QLAC). When clients purchase the American Pathway® Deferred Income Annuity as a QLAC, those funds may be excluded from Required Minimum Distribution (RMD) calculations. Reducing RMDs could help extend your clients' savings and lower the taxes they pay.  Learn more

Your Agents Can Be the Hero in More Ways Than One

Helping families achieve the peace of mind that their families are protected against the unexpected is honorable work. But did you know your agents can do even more good? They can be the hero for a child, veteran or disaster survivor when they place a Protective Indexed Choice UL policy by April 21.  Read more

Learn How Our Index Loan Provision Works

Use our Potential of Index Loans flyer to learn how our index loans work on Income Advantage IUL. Plus, find out what makes our index loan provision unique in the industry.  Learn more.  

What If Your Client Wants to Stop Paying Premiums?

Most fully-guaranteed policies are not known for their flexibility. But, with our GUL, your client has an option to reduce their death benefit, stop paying their premium and have their death benefit be guaranteed for the remainder of the original guarantee period. Find out how.  Learn more

Client Video: The Journey To and Through Retirement

Is there a gap between your clients’ retirement strategy and their desired retirement destination? This new video can help your clients better understand some challenges that they may face in retirement – and show you how a fixed index universal life (FIUL) insurance policy can help address these concerns. View video.  

Consumer Protection Tips

We all want to make sure your clients are protected and feel good about the financial decision they are about to make. Help them be more prepared by using our consumer protection tips with your clients, so that they can safeguard their financial transaction before they buy, while making a purchase and after.  Learn more

Much Improved Income Potential

John Hancock’s all new Accumulation IUL with Vitality is more competitive than ever in max funded, cash accumulation scenarios. Now, you can benefit from increased target premiums while your clients can benefit from even greater income potential and earn valuable rewards for living a healthy life.  

Updated: Know the Law

Our popular Know the Law tool has been updated for 2017 state-specific tax law changes.  This tool is a great reference to help explore some of the laws that vary between states, including income taxes, estate taxes, and creditor protection laws.  All Because You Asked flyers found on the microsite have also been updated for 2017 – including Creditor Protection, State Estate Taxes, and our Guide to Income Taxes.  

Life is Evolving. So is Our Survivorship Portfolio. 

Introducing PruLife SVUL Protector (SVUL), a flexible legacy solution for your affluent clients coming in May.  Discover More about SVUL. 

Coming Soon: Updated IUL Product Caps and Rates

Effective April 1, 2017 several caps and rates are improving. Click Here to Learn More. 

Prudential Recognized: A World's Most Ethical Company

Prudential has been recognized for the third consecutive year as one of the World's Most Ethical Companies by the Ethisphere Institute, a global leader in defining and advancing the standards of ethical business practices.  Read More About This Honor.

AppAssist Business is Up. You Can Help with Appointment Scheduling. 

Thanks for continuing to affirm the strengths of LGA's time-and-money-saving AppAssist solution.  We sincerely appreciate your business. We have continued to meet the high service standards we've set for new interview requests. On rescheduled appointments, we have recently been experiencing some delays when an applicant calls back in after missing an initial appointment call from our AppAssist Contact Center. Right now we are scheduling those applicants up to two weeks out, depending on the preferred call back time. 

To best serve our shared customers we ask that you advise your producers to select an interview time where there is high confidence the client can be available.  As long as the client is available for the scheduled time (for the entire two-hour window) he or she should not experience any delays.  Learn more

Hybrid or linked-benefit products are a fresh approach to retirement and estate planning. These 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

The ONE Series: Reach New Markets with the New Lincoln MoneyGuard II

We are pleased to announce The ONE Series — a 2-part monthly webinar series designed to provide you concepts and strategies to increase your life and long-term care sales. You’ll learn about new sales ideas and how to implement them, best practices, competitive positioning and market trends. This month’s topic: Helping Women Plan for Long-Term Care Expenses and Lincoln MoneyGuard II (2017) Overview.  Read more. 

Why Choose CareMatters?

Long-term care planning continues to be an unmet need for many retirees. Did you know that by age 65, there is a 70% chance that your clients will require some form of long-term care (LTC)?1 However, fewer than 10% currently carry LTC insurance. We know that finding the right clients can be challenging. That's why we created a simple guide for identifying CareMatters prospects — both for new clients and those already in your current book of business.  View our long-term care prospecting guide to determine which clients may be the right fit.

 Strategic changes

We continue to monitor the fluid situation with the implementation of the Department of Labor's (DOL) Conflict of Interest Rule, also known as the fiduciary rule.  Clilck on the following link to read the announcement.  Read more

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!


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

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

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

'John Hancock made the decision to remove their HIV form from their forms  repository as the examiner now provides this to the client. Also, the HIV form is no longer required when another company's exam is being submitted

Due to the sunset of several products, we're experiencing unprecedented volumes of life insurance policy term conversion requests. We're diligently working through the requests, but we need your help.
If your application was received 3/3/17 or prior, rest assured we will be processing your cases in date order. Currently, our team is working on issuing cases received 2/15/17 and prior. Current process time is approximately 4 weeks and we are working hard to have all submitted cases processed by 4/28/2017.
Here's how you can help speed up the process: Please refrain from requesting status if the case was submitted after 2/15/17. Responding to status updates reduces the resources we have for term conversion processing, ultimately hindering the completion time overall.

We will reach out to you for any missing information as we process your case. Thank you for your cooperation and patience, we will be contacting you soon.

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