3 Mark Financial, Inc.

4/26/2017

Nationwide YourLife Care Matters Webinar

These products appeal to cost-conscious consumers who need the protection and also have the desire to potentially leave something to the next generation. Hybrid products allow consumers to leverage an emergency fund, reposition low yielding CDs or fixed investments in a more efficient manner while providing liquidity, guarantees and protection.

Webinar Later today at 3:00 PM Central

Add More Life

Clients may be concerned about outliving their savings in retirement. Listen to this quick segment with Prudential Advanced Marketing's Jill Perlin and Lina Storm for tips on helping them with those challenges.

Masterpiece of Love

Every life is a work of art. Prudential’s Masterpiece of Love campaign helps people turn the memory of someone they’ve lost into a ‘Masterpiece of Love’. Click here to view videos, stories and submissions by customers via social media. 

Engaging the Stay-At-Home Spouse

The salary equivalent for work performed by stay-at-home parents is over $115,000¹. Have your clients considered the financial toll that the loss of a non-income-earning spouse could have on their family?   Learn more. 

Webinar: Employer-Owner Life Insurance and §101(j)

Join David McNamara, J.D., CFP®, CLU, ChFC, FLMI, Advanced Markets Attorney, on May 1st for a 20-minute webinar exploring the §101(j) requirements for employer-owned life insurance, when and how to comply, and the drawbacks of noncompliance. To take part in this live webinar, please register here. 

SBLI Can Help You Grasp The Power To Retain And Recruit Top Agents

We recognize that slow approval times and burdensome application paperwork are like kryptonite to agents. Now, you can help them scale new heights of client satisfaction by increasing your agents' speed, control and convenience. For people age 18-60 in all risk classes seeking $500,000 or less of term insurance, our Accelerated Underwriting (AU) process guarantees no hassles, no paramed visits, no exclusions and no joking!  Learn more. 

View Latest Client Video: The Journey To and Through Retirement

Is there a gap between your clients’ retirement strategy and their desired retirement destination? Our 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. 

Introducing the New Life Protection Advantage IUL

Effective May 1, we will be adding to our Indexed Universal Life family of products. Learn more about our new protection-focused IUL. 

Now Available: New Product Portfolio and Underwriting Guide

April 2017 versions of the Product Portfolio and Underwriting Guide are now available. Updates include the addition of the new Life Protection Advantage IUL and the recent increases to our Underwriting Autobind Limits.

Boost Retirement Income with Life Insurance From Nationwide

Did you know that only 14% of pre-retirees say they’re very confident they'll be able to live the retirement lifestyle they desire? Offer them a triple layer of tax protection with Nationwide YourLife® Indexed UL Accumulator, so they can live retirement their way. Learn more with our new client video.

Non-Permanent Chronic Illness Claim? No Worries. Here’s How it Works. 

When the unforeseen chronic illness claim does occur, we make life simple with our chronic illness rider Accelerated Access Solution® (AAS): 

• No need for Chronic Illness to be Permanent
• Premium Reductions are waived
• Payment of AAS Benefits while on claim

As your client comes OFF claim, they can be guaranteed there are no "gotchas" and no "catch-up" premiums.  View this valuable sales concept. 

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?

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. 

More Flex Pay Options Open Up New Opportunities

Lincoln MoneyGuard® II, now more flexible at younger ages. It’s what consumers want — a more customized way to fund their long-term care plans. Starting April 17, 2017, we’re expanding Lincoln MoneyGuard II flexible premium options — so you can offer your clients a policy that fits their financial plan. 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

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.

Common Pitfalls To Binding Coverage 

The Limited Temporary Life Insurance Agreement (LTLIA) is a valuable option that provides temporary coverage for eligible applicants during the application process. In order to obtain this interim coverage, it’s important to submit the proper forms in good order, and to be aware of payment and validation issues which may prevent binding of coverage.  Learn more. 

We Have an Rx for That: See Our Most Popular Topics

Need quick information on how Underwriting considers specific health conditions? Look No Further Than Our Rx For Success Series. 

John Hancock Vitality - Meeting the Needs of People with Diabetes

Take a look at a case study that highlights how much a client with type 2 diabetes can save when engaging in the John Hancock Vitality Program.