3 Mark Financial, Inc.

5/31/2017

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 Later Today at 3:00 PM Central 

The Spring 2017 Journal is Hot Off the Presses

This edition of The Journal can help you “bring the full power of life insurance” to your clients. With key articles such as “Planning for family members with special needs” and “Offering competitive decisions for people with diabetes”, this issue highlights how life insurance can solve a variety of planning challenges beyond traditional death benefit coverage. Download the full issue here. 

Video: Life Insurance for the Living

Living benefit riders help clients to protect and supplement retirement assets. Watch this helpful introductory video and share it with your clients.

IUL: The Financial Crowbar

How can your clients leverage IULs to help achieve financial goals? Check out the scripted presentation or view the on demand training.

Lifetime Foundation vs The Competition

Lifetime Foundation can illustrate one of the most competitive premiums on the market today while offering a new approach to lifetime guarantees. Download the attached marketing piece to see how our premiums and targets stack up to our competitors. 

Protect Your Clients Through All of Life's Milestones

Take a moment to learn about Life Protection Advantage and find out how it can help provide your clients with protection through life. Learn more. 

Women May be the Key to Growing Your Practice

Women’s need for financial services continues to grow. With more women graduating from college than men, women are closing the pay gap and becoming the wealthier sex. The 2016 Allianz Women, Money, and Power® Study showed that more than one-third of women report being the sole or primary household breadwinner and half responded that they made the long-term financial decisions in their households. Even for those who aren’t the primary wage-earner, women often influence spending and saving decisions in their home. Yet according to the study, only 30% of women are working with a financial professional. This indicates a need and an opportunity.  Find out more. 

DOL Rule is a Go

Department of Labor Secretary Acosta confirmed on Monday that the fiduciary rule will begin phasing in June 9, requiring a higher standard of care for advice given on qualified retirement investments. The full requirements will go into effect on Jan. 1, 2018, barring further regulatory or legislative changes. Learn more. 

Save Time and Money with LincXpress Tele-App

LincXpress Tele-App makes life much easier for you and your clients. It’s available for all Lincoln permanent life insurance and Lincoln LifeElements® Term policies—all ages and face amounts. Get all these benefits for no additional cost!

Affordable Buy-Sell and Key Person Funding for Business Owners

Owners need cost-efficient ways to protect their business investment. Lincoln LifeElements® Level Term can be a valuable tool to help businesses replace lost revenue if an owner or key employee passes away. It can also fund a buy-sell agreement when planning for business succession. Visit our Business Insurance Solutions web page for more planning resources. See how Lincoln term rates compare with competitors' term products.

It’s Graduation Season! A New Class of Millennials is Joining the Workforce

People under the age of 30 overestimate life insurance costs by 3x and often underestimate the importance of life insurance. Graduation is a time for new beginnings, but there are also new responsibilities. Student loan payments begin and although many millennials are strapped for cash, it's important to point out the affordability of term life insurance. Now is a great time for agents to reach out to these young adults who are looking for guidance. Share this consumer-approved flyer and help your agents market term life insurance to millennials. 

Available Fiduciary Resources

As part of our process to comply with the Department of Labor (DOL) Fiduciary Rule's June 9, 2017 applicability date, we encourage you to review our Fiduciary Obligation Resources.  

Web Event: DOL Preparation Update

Join us June 1st for this important web event as we outline our plans for complying with the Department of Labor (DOL) fiduciary rule's June 9th applicability date. Specifically, we will discuss the impact to new business processes, our product portfolio and fiduciary obligation resources.  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. 

Help Clients Plan to Live Where They’re Most Comfortable

Nationwide CareMatters helps your clients live in the comfort of their own homes while receiving long-term care (LTC). With CareMatters, your clients have the flexibility to pay for their LTC as they see fit — including the option to pay for as many home modifications as they need. Watch our new CareMatters video and learn more about the benefits of cash indemnity.

 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.