3 Mark Financial, Inc.

5/24/2017

Unleashing the Power of IUL

With Levi Robinson Vice President of Product Training at AIG

Do your clients know they may already own one of the most powerful financial tools in the country, but they’re just not using it? In this fast-paced session you’ll learn about how life insurance can be the key to achieving financial goals by simultaneously growing and protecting your clients’ retirement security.

Webinar Wednesday May 31, 2017 at 3:00 PM Central 

How Will Your Client's Retirement Expenses Get Paid?

Learn how a Life Protection Advantage IUL policy can help clients, as well as their adult children, protect their financial future.

Video: The Essentials of Life Insurance

Explaining the nuances of life insurance can be complex. In this video from Protective, clients can learn the basics in under 3 minutes.  Watch. 

Second-to-Die with Ultimate Flexibility

Our Survivorship Builder IUL offers an attractive strategy to help fulfill multiple objectives. Not only is our Survivorship Builder one of the best priced second to die products on the market but it also offers ultimate flexibility for DB protection, cash accumulation, and possibilities to use our revamped Accelerated Access Rider. Download the attached piece to view an example of how our Survivorship Builder product can solve the needs of a certain client scenario.

Advisor Magazine Article from John Hancock's Caroline McKay

Women today are more highly educated and financially empowered than ever before, but evidence suggests that their financial planning needs are not being met. How can advisors better engage existing female clients and attract new prospects to their practice? Read Caroline McKay's article titled Women and Life Insurance — Why advisors should focus on this important client subset for insights into this market. 

Finding Success with Women & the LTC Rider

Talk to women today about how a John Hancock life insurance policy with the LTC rider can provide a single solution to address their unique needs and challenges.

Case Study: Using Symetra UL-G with ROP in Key Person Life Insurance Designs

You have a client who is concerned about the “cost” of potentially losing his key employee. He would like a simple, guaranteed plan to protect his closely held business from the financial impact of a sudden loss. He is also interested in having the option to get back up to 100% of premiums paid if and when the key employee retires. In a new case study, see how a business owner helped ensure the survival of his business with key person life insurance using Symetra UL-G, and was also provided with an “exit strategy” for his client’s retirement with the product’s optional Return of Premium (ROP) Rider.  

Are Your Clients Asking These Tough Questions?

What is my death benefit need? What are my options in a low interest rate environment? What if extended nursing care is in my future? How can I prepare and protect myself? These are all potential risks to your client’s financial strategy. Explore this eBook to learn how you can help mitigate risk in your client’s financial strategy. 

Video: Bringing Up Children - Your Questions Answered

Are you bringing up children and worried about your family finances? This video has highlights from our independent expert panel talking about managing your family finances when bringing up children.

New Product Coming Soon

Effective June 12, 2017, Prudential will be launching our newest universal life product, PruLife Essential UL. With it, you can offer your clients the simple design they want with the contemporary benefits they need. Here’s what you can look forward to. 

Videos: Making the ‘Healthcare Costs in Retirement’ Conversation Easier

In this quick, 3-part video series, Prudential Regional Vice President McCreight King provides a proven, straightforward approach to generating business while addressing life insurance and chronic illness needs.  Watch.

Webinar Replay: Planning Opportunities in Small Business Market

Lincoln has the expertise and resources to help your business owner clients with business succession planning, protecting against the death of a key executive or owner, and executive benefit planning using life insurance for the owner and key executives. Download the webinar replay, and click here to learn more. 

Non-Permanent Chronic Illness Claim? No Worries. 

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

• Pays temporary chronic illness claims
• Maximum monthly indemnity benefit (no receipts required)
• Dial the AAS benefit anywhere from 50% of the death benefit up to 100%

As your client comes OFF claim, they can be guaranteed there are no "gotchas" and no "catch-up" premiums.  Learn more.  

Income Solution Strategies

Your clients are looking to you to help them achieve their retirement income goals. With our Retirement Income Analyzer, they have a step-by-step guide on identifying, evaluating, and learning how you can help them guarantee income for essential and lifestyle expenses. Together we can help your clients bridge the retirement income gap.  Learn more. 

Elevate Sales with Business Valuation Tool

When business owners don’t have a full understanding of the true value of their business, they will often rely on an estimate. Unfortunately, inaccurate estimates can dramatically impact the outcome of a business plan. But you can help your clients get a more accurate value with the Nationwide® business valuation tool.  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.

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

Help your Clients Solve the RMD Puzzle

There's no better time than now to start the required minimum distributions (RMDs) discussion with your clients. We've made it easy with a new, client-friendly RMD fact finder. Maybe they’re already taking these IRS-mandated payments but don’t need the money. Maybe they need help preparing to meet the requirements for the first time soon. Maybe they know exactly what’s required of them, and they’re just looking for a more efficient way to get there. No matter their situation, you can help.  Learn more. 

 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. 

Annuity Fact Finder 

Click here for a great Annuity Fact Finder

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.