3 Mark Financial, Inc.

5/3/2017

ExtendCare 2017 Webinar

Protective Life Insurance Company is pleased to introduce a new ExtendCare Rider that will be available with Protective Advantage Choice UL and Protective Indexed Choice UL.  Join Amanda Fleskoski as she updates us on their new chronic illness rider.

Webinar Later today at 3:00 PM Central

Elevate Income Potential

Discover the power of tax ‘preferral.’ If your clients need to bolster their retirement income, reduce their income tax liability and protect their loved ones, then consider the power of tax ‘preferral’ from Nationwide. See how your clients can magnify the assets they have for retirement by adding this to their portfolio.

New Microsite: MGA Launch Pad

The MGA Launch Pad microsite is a quick and easy reference tool for MGA’s to access many valuable product marketing materials, sales concepts and underwriting info - all with no user ID or password.  Check it out today.  

Is Your Client Eligible for APPcelerate?

For qualified applicants, APPcelerate can make the underwriting process quick and convenient with no medical exams, labs or APSs. Download the flyer. 

IUL is Built for Opportunity

Combining the features of universal life with the opportunity for cash value growth linked to the performance of a stock market index, North American’s Indexed Universal Life Insurance (IUL) products are built to meet your client’s death benefit needs and so much more. Could your client benefit from tax deferred1 cash value growth to help supplement retirement income? Learn more about how North American’s IUL products can deliver opportunity, plus learn about exciting NEW product features with this new online tool!

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.

Video: Share Simple Tax Diversification Strategy with Clients

Check out a short and simple 3 minute video explanation on the importance of tax diversification. It addresses the importance of having assets in the "tax later", "tax now" and "tax never" categories. Learn how an IUL can provide great value in the "tax never" portion of a portfolio. Share the video or customize the PDF and send to clients/prospects to expand your IUL clientele

Get the Inside Scoop on Our New Life Protection Advantage IUL

Watch this short video to learn how the new Life Protection Advantage IUL can offer clients long-term guaranteed protection and flexibility for the future. 

Give Your Clients Options for the Future

With an IUL or GUL policy, your clients receive the protection they need today and, through the Guaranteed Refund Option rider, they also have flexible options for the future. Learn more about this feature. 

Quotes for Sales Professionals

Download the Mutual of Omaha Quotes for Sales Professionals app and quickly run quotes for your clients whenever, wherever.

Leave a Larger Legacy with Charitable Giving Benefit

With this benefit, your generosity can live on through a donation to your favorite charity at no additional cost. Click here to see an example and learn more. 

Take BOLD Action to Advance Your Client’s Business

Securian's BOLD Consumer Brochure (F79732-8) helps your clients understand the many challenges they face and how you can help them prioritize their needs.  Learn more. 

How Are You Getting Your Next Appointment?

Are you looking for help to start the conversation with your next client? Learn more about Allianz consumer-friendly videos and how you can share them on your own website.

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.

SecureCare Universal Life

SecureCare Universal Life with indemnity-long term care benefits offers your clients simplicity, flexibility, and freedom for life's journey. Starting May 3, SecureCare will be available in Connecticut, Delaware, Montana, New Jersey, North Dakota and Washington DC, in addition to the previously approved states. 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.

Video: Forms Depot

"How to" manuals too manual for you? Check out this brief instructional video on how to use our all-new, enhanced Forms Depot system for ordering forms and tapping into our vast marketing catalogue. Play video. 

Announcing new underwriting opportunities for Hepatitis C clients

Lincoln Financial has collaborated with a partner to take advantage of new treatments for Hepatitis C and is unveiling new, more favorable underwriting guidelines and ratings. Most treated cases for Hepatitis C may qualify for at least standard rate, and possibly a preferred rate.  Learn More

Initial Premium Acceptance Rules - Conditional Receipt Limits

With new life insurance applications, we encourage premium to be submitted with the application. In order to simplify your experience, we have developed these guidelines regarding the acceptable forms of money during the new business process.  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.