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3 Mark Financial, Inc.
6/07/2017
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Introducing 3 Mark's eSolutions Platform
With Lee Bolnick Sales Director 3 Mark Financial
One of the biggest changes in our industry since the computer generated sales illustration is the recent trend to electronic applications, underwriting and even policy delivery. Today 30% or more of our applications are electronic and carriers are continuing to invest in electronic platforms to speed your application through underwriting and on to paid status faster.
What are the advantages of using 3 Mark Financial's e-Submission Platform?
- Easy to understand screens that walk you through the electronic application
- "In Good Order" applications are assured
- flexibility to choose the submission and policy delivery method for a number of carriers
- Quicker processing of your application means cases go paid faster
Webinar Later Today at 3:00 PM Central
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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.
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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.
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ExtendCare Rider Now Available with More Products
Protective Life Insurance Company is pleased to announce that our new ExtendCare Rider will be available with Protective Investors ChoiceSM VUL and Protective® Strategic Objectives VUL effective June 1, 2017. Learn more.
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DOL Training Seminar
DOL fiduciary regulatory changes take effect June 9th – are you ready? Our “DOL Fiduciary Rule and You” online course, offered exclusively by AIG, provides a good working knowledge of what the DOL ruling is, and how it will affect the way you do business moving forward. DOL 101. *You must first register for AIG Campus in order to access DOL training. See below.
AIG Campus - New eLearning Resource
Our all new interactive training system, “AIG Campus,” is live, and the first module available is a supplemental DOL enrichment course. See how to quickly register and participate by watching this 2-minute video.
AIG Campus Quick Guide
Review this quick 2-page guide to learning with AIG Campus for enhanced registration detail – or for those that prefer written instruction (over video). Feel free to share internally with any others who may benefit from additional assistance! Learn more.
DOL Playbook
Visit the new DOL playbook at aig.com/DOLresources for links to DOL regulatory info, great industry expert insight, and access to AIG communications regarding the DOL fiduciary rule – no passwords or logins needed.
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Help Your Agents Move to the Head of the Class
Our 30 year term with a $1,000,000 face amount is #1, 72% of the time and in the top 3, 100% of the time! Now, your agents can leverage our price competitiveness to connect with clients, across all ages, and target the 30 year market. Learn more.
Update: Reorganization of SBLI’s Company Structure
I am reaching out to let you know of some anticipated changes at The Savings Bank Life Insurance Company of Massachusetts (SBLI). The Company is planning to convert its form of ownership from stock to mutually-owned. The process of converting from a stock to a mutually-owned company, among other things, requires policyholder approval. Last week, the process of policyholder approval began with the mailing of notices to all policyholders. Just in case you receive any inquires I enclose a FAQ sheet about the Conversion, together with the Summary Policyholder Information Statement, which will address many of your questions. A key point to emphasize is that the premiums, benefits, values, guarantees, or dividend rights of our policyholders will not change as a result of the Conversion.
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Get to Know Your Dedicated Tele-App Team
With LincXpress Tele-App, your dedicated Lincoln team will ask your clients the medical questions and take them through the application process. You’ll know they’ll receive the customer service excellence they deserve from a team with more than 60 years of combined experience. Read more.
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PruTerm One Repricing - Effective June 12, 2017
Effective June 12, 2017, in all states, PruTerm One will be repriced to comply with Principle-Based Reserving (PBR) and 2017 CSO tables. Read more.
June 30th Placement Deadline Approaching for UL Protector Cases Using Previous Rates
June 30, 2017 is the Placement Deadline for UL Protector policies applied for with previous product rates. Read More.
New Product Coming Soon
Introducing PruLife Essential UL. Discover More About Our Newest Universal Life Product.
Show Them, Don't Tell Them
This simple "family tree" worksheet is a conversation trigger because it shows clients how, through a very personal lens, chronic illnesses may be present in their family histories. Download It Now.
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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.
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Using Symetra UL-G with ROP in Key Person Life Insurance Designs (repeat entry)
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.
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New “Just in Time” Licensing Process
At Legal & General America, we are always looking for ways to improve our processes and update our workflows to ensure a smooth agent appointment process for our distribution partners. Effective Monday, June 5, 2017, we will be adopting a “Just in Time” approach for our agent appointment process. Many carriers have implemented this processing, so it will likely be a process with which your staff is familiar. Read more.
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Flexibility and Control in Retirement Years
What does the future hold for taxes? No one knows – which is why it’s worth considering a diversified strategy. Adding a fixed index universal life (FIUL) insurance policy to your client’s financial portfolio can help them address their needs in retirement tax-efficiently, regardless of the market environment. View our new sales idea, Flexibility and control in retirement years, to see how FIUL can play an important role in your client’s overall financial portfolio, including providing death benefit protection.
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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.
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LTC Protection That’s a Fit for Couples
For couples funding multiple goals at one time, the expanded payment options for Lincoln MoneyGuard® II may be just the flexibility they need to address the risk of living uninsured. Learn more.
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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.
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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
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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.
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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.
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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.
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Annuity Fact Finder
Click here for a great Annuity Fact Finder
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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.
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- 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.
- Attach a copy of a current policy/ account statement for the funds being transferred to the 1035/transfer document.
- Complete the 1035/transfer form carefully and completely. Be sure all necessary signatures are obtained.
- Send original transfer forms with the application to 3 Mark for processing.
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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
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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.
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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.
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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.
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