3 Mark Financial, Inc.

5/17/2017

Join Kelly Mills, Marketing Manager with Mutual of Omaha as she discusses

Life Protection Advantage IUL

Beyond its death benefit protection, Life Protection Advantage also has growth potential  That's important because it can help extend the policy's death benefit coverage beyond its no-lapse protection period.  It's also important because the cash value can be accessed to help supplement the client's need for cash later in life.  

 Webinar Later Today at 3:00 PM Central

John Hancock Advanced Markets 20 Minute Webinar

Join Caroline McKay, J.D., Advanced Markets AVP and Counsel, as she discusses a unique life insurance opportunity for small business owners who lack a successor. Because small business owners often are key to the success and profitability of their business, the viability of this business may be jeopardized should the unexpected occur and a buyer cannot be found. The Personal Key Person plan provides a solution for owners who want to preserve the value of their business, protect their family, and provide a source of additional retirement income.  Learn more. 

Healthcare in Retirement

Health care costs can be one of the biggest expenses in retirement. How can you help your clients carefully plan for their health care after retirement? Nationwide offers some helpful tips.

Interactive Resource for Business Insurance

Planning Strategies for Business Owners is an interactive white paper tool that is assessable by laptop or IPAD, giving users an easy to navigate and rich multimedia experience.  It provides resources on topics such as; succession planning and buy-sell agreements, key employee coverage, and life insurance as an executive benefit, many of which are supported with informational videos.  You will also find planning resources, Lincoln’s business insurance fact finder and cases studies.  Check it out here! 

Guaranteed Universal Life Pricing Changes

Effective June 1, 2017, we will be updating our Guaranteed Universal Life (GUL) product pricing.  Learn more. 

Income Advantage IUL Annual Statement FAQs

Learn how to be prepared for questions your clients may have on their annual statements. 

BOLD Concepts Simplified

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.  Read more. 

10/10/10 Plan: Guaranteed Coverage + Full ROP as Supplemental Retirement Benefit

With a Secure Lifetime GUL 3 policy, clients can:

• Pay premiums for 10 years
• Wait for 10 years
• Receive a full return of premium over 10 years and still have benefits remaining 

This innovative 10/10/10 plan offers life insurance, chronic illness coverage, and retirement income. Providing protection whether your clients live too long, die too soon or get sick along the way.  Learn more. 

Client Prospecting

"Life doesn’t stand still. Neither should your coverage!" New customizable flyer for reaching out to existing clients to initiate a policy review; located in the recently updated “Policy Review Playbook”.  

Tap Into Cash for Clients

How to access cash with GUL? Let me count the ways… Five! Learn how to access all five ways with Secure Lifetime GUL 3 in this new flyer. GUL Cash Access. 

Chronic Illness Made Easy

Understanding how carriers calculate their living benefits can be challenging for you and your clients. With Global Atlantic's new Accelerated Access Rider, we make it easy for your client to know what their policy can provide when the unexpected happens. We have simplified our calculation for the eligible amount at impairment. Download the attached piece to see how our new chronic illness rider works. Don’t forget - our rider is free of charge upfront, requires no additional underwriting, and we do not UW at time of impairment.

Budgeting for Retirement

Budgeting for retirement can seem complex. Lifestyle, health, living costs, and income all play a role in deciding what kind of annuity to select. Legal & General America offers great budgeting tips.

Benefits of Diversifying Your Strategy

A diversified portfolio that includes a fixed index universal life insurance policy can add protection, and help your clients provide death benefit protection. Our newest video will help clients understand the importance of diversification in their long-term financial planning.  Watch video. 

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. 

Expanded LTC Options for Younger Clients

Expanded flex-pay premium options create additional opportunities to help clients afford Lincoln MoneyGuard® II. Clients as young as 40 can now spread their premium payments over longer periods — up to 25 years, simultaneously address multiple goals in their financial plan, and increase approval chances because of fewer health issues.  Learn more. 

Value of Informal Care

The value of the informal care provided in the United States each year is $522 billion! We are able to help with this staggering statistic. A CareMatters case study and a long-term care rider side-by-side comparison highlight Nationwide solutions. 

Nationwide YourLife CareMatters® has been approved for New York. Illustrations will be available on May 8. See the transition rules for details.

 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.

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

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. 

Preparing for Med Exam

If your clients need to take a medical exam in order to qualify for life insurance, this can cause quite a bit of stress. With this article from Protective, help them know what to expect. 

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.