3 Mark Financial, Inc.

6/21/2017

Join Jim Grauel Regional Vice President Legal & Genaral as he introduces
AppAssist - Legal & General's Drop Ticket Electronic Submission Platform
Webinar June 28, 2017 at 3:00 pm central

Reduce Up to 3 Tables - Up to Age 80!

Global Atlantic's Life Credits program is a robust, proprietary rate personalization program that allows a proposed insured's favorable health factors to improve underwriting offers. Unlike common table reduction programs offered by other life insurance carriers our program can apply credits and reduce up to 3 tables through table 8 and up to age 80 with no face amount limits. Also available for both lives on our Survivorship Builder Product. Learn more. 

10-10-10 On-the-Go

Make the living benefits sale easy. Brush up on the 10-10-10 Plan with a new PowerPoint Presentation and On Demand Training. 

 DOL Training Seminar

DOL fiduciary regulatory changes took effect June 9th – are you sure you’re complying? Our exclusive “DOL Fiduciary Rule and You” online course, provides a good working knowledge of the DOL ruling, and how it will affect the way you do business moving forward. DOL 101.  

Lifestyle Income Solution in NY and CT

LIS, our longevity rider, is now available in New York and Connecticut. Review the NY Products Playbook for NY-specific marketing and sales tools. Outside of NY? Visit RetireStronger.com for more info. LIS in NY. 

Webinar Replay: The IUL Dilemma - Perception vs. Reality

If you sell IUL, have sold IUL, or are interested in selling IUL, I encourage you to listen to the replay of the webinar, download the slides, and review the linked material. Lincoln wants to empower through knowledge. This webinar is the beginning of a new series to help address future concerns by learning strategies to help reduce risks and provide real consumer value. Learn more.  

Your Clients Deserve Lab-Free Underwriting

With LincXpress Tele-App, we’re giving healthier clients a better experience and faster policy issue by offering them the opportunity for lab-free underwriting. Learn more.  

Audio: Can Your Clients Afford to be Without a Living Benefit?

Chronic disease is the leading cause of death and disability in the U.S. So it’s no wonder that many individuals are concerned about this financial risk. With Lincoln VULONE and the Lincoln LifeEnhance® Accelerated Benefits Rider*, your clients can have death benefit protection and a supplemental source of funds in the event of an unexpected permanent chronic or terminal illness. The rider accelerates the death benefit to a living benefit that can be used for any purpose — with no restrictions.  Learn more. 

OPTerm Reprice Preview

As a valued partner, we're giving you advance notice of our upcoming OPTerm reprice. A communication will be sent to all member agencies with more details and marketing materials on Monday, June 19. Learn more. 

Are Your Clients Prepared to Live a Longer Life?

Allianz Life Insurance Company of North America (Allianz) is excited to share with you a new consumer education program on longer lives. In collaboration with the Stanford Center on Longevity (Stanford), Allianz will gain access to Stanford’s insights and faculty whose mission is to help individuals redesign long life. To order The Gift of Time turnkey client seminar package, contact your representative or sales team and ask for ENT-1845-N. This package also includes a Quick Start Guide to using the program and customizable client invitation. Everything you need to start the important conversations with your clients on the new approach to longer lives. Press release. Gift of Time website.  

The Financial Engine That Can Fill The Gaps in a Retirement Strategy

To live comfortably in retirement your clients need to plan for daily expenses, as well as protection from the unexpected. Life insurance can help with both. Download our NEW sales concepts on positioning life insurance as an asset in an overall portfolio, such as Help fill in the gaps in your retirement strategy and our Understanding FIUL brochure.

New Product Now Available

Effective June 12, 2017, Prudential launched 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 it’s all about.  

17 Competitor Comparisons to Our Life Insurance with Chronic Illness Rider 

This quick-glance tool helps you compare and evaluate competing products that offer death benefit protection and features that help provide benefits in the event your clients become chronically ill. Get the Tool. 

Faster, Easier, Smarter - Introducing New Ticket Process and JH ExpressTrack

Selling life insurance is easier than ever with John Hancock's new ticket submission process. And, when you initiate applications via the new ticket, eligible clients will be considered for quicker underwriting with ExpressTrack – receiving decisions in as little as three days! It’s now about spending less time on paperwork and more time selling! Faster, Easier, Smarter. ExpressTrack. Reference guide. Client-approved flyer. 

Help Your Business Clients Plan Ahead

Three events can feel very uncertain for many business owners and their families: an unexpected disability, a retirement or a death. As a trusted advisor, you can help eliminate some of that uncertainty by focusing on plans that can help with these difficult transitions. At Nationwide, we offer many resources designed specifically to help you. NBSG can assist you every step of the way — from identifying potential clients to helping you design an effective business succession plan. Our Business Succession Guide is a useful resource that you can reference for information on any of these important topics. Download the guide.  

Boost Income Potential

Discover the power of a guaranteed 15% interest multiplier with Nationwide YourLife® Indexed Universal Life Accumulator. Higher supplemental retirement income potential. Additional credit potential with Nationwide IUL Rewards Program. Tax strategies to maximize income. Read more. 

Have You Seen Our Repriced TLA Rates?

Effective June 1, 2017 we repriced Term Life Answers. Check out our competitive Preferred Plus, Age Last Birthday rates.  Learn more.  

Take a Look at Income Advantage IUL's Performance

Our goal is to be transparent in our IUL renewal rate setting process. Check out our flyer that shows historical index interest rates, as well as our renewal participation rates and caps.  Learn more. 

A SIMPLE Decision?

 • Are SIMPLE plans the best plans for the small business?
 • Are 401(k) plans better?
 • What are the differences?
 • What are the hazards of a SIMPLE plan that you need to be aware of?
 • Why would a small business owner choose one over the other?

For a detailed discussion of SIMPLE vs. 401(k) plans, join us for a Complimentary 30 Minute Webinar to educate you on opportunities, concerns, and sales ideas.  Click here to learn more

Help Mitigate the Financial Risk of Serious Illness with Life Insurance

Current generations may be living longer, but according to the CDC, they’re not necessarily living healthier. Check out our eBook to learn how to help mitigate risk in your client’s financial strategy. Explore the eBook. 

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.

Women are willing to talk about long-term care

Research shows that female clients — more so than male counterparts — understand the importance of long-term care planning, and are willing to share decision-making responsibilities with their advisors. Women also are less likely to research financial products on their own, which suggests that they rely on their advisors to help them make informed choices.  Learn More

CareMatters Comes to New York

Nationwide YourLife CareMatters® has been approved for New York. Applications and premiums will be accepted starting June 12, with policies issued in July. Keep these important dates in mind. 

Informal Care Insights

"The Informal Caregiving Crisis" looks at the role of long-term care and how Nationwide can help. The talking points or the piece itself can support the conversation with clients.

The Asset-Care IV Calculator is here! 

You can now quote both Asset Care 1 and Asset care 4 with our easy to use rate calculator. This is the easiest way to get a quick quote. It takes just 60 seconds to fill in the fields and will generate just a 2 page, easy to read illustration. Your agents don’t have to be appointed to access it either. 

Click Here to access the link to the Calculator

SecureCare is #1

SecureCare UL ranks #1 for common competitive LTC scenarios. SecureCare Universal Life provides your clients with flexibility and helps protect their assets from rising long-term care expenses - all while maintaining life insurance protection. View competitive flyer. 

New Documents for Life Business Required as of June 9

As you know, the Department of Labor (DOL) fiduciary rule applicability date was delayed from April 10, 2017 to June 9, 2017. Full compliance with the rule and an exemption to receive compensation in connection with your advice recommendations will now be required on January 1, 2018. During the transition period of June 9, 2017 to December 31, 2017, there are new requirements to be aware of when submitting life insurance business to Allianz Life Insurance Company of North America. Learn more. 

DOL Update

April 6, 2016, the United States Department of Labor (the “DOL”) issued final rules to expand the definition of an “investment advice fiduciary” under ERISA, and redefined certain prohibited transaction exemptions (“PTEs”) to be applicable as of June ‌9, 2017. Some components of the rule become applicable on June 9, 2017. In order to help you navigate the rule, please see the Continuing to Do Business with Lincoln in a Post-DOL Environment bulletin. The attached bulletin outlines key information regarding sales of annuity and life contracts for the June 9, 2017 to January 1, 2018 transition period.  Also attached is a sample 8424 template.  Please read page 1 for important information about this sample template.

Secretary Alexander Acosta of the Department of Labor (DOL) announced in the Wall Street Journal on May 22, 2017 that the Fiduciary Rule would not be delayed any further and would go into effect on June 9, 2017. He indicated that advisors selling investment and insurance products on June 9 and thereafter would be considered fiduciaries and that the Impartial Conduct Standards were here to stay.  Read the Announcement

DOL Fiduciary Rule announcement from Protective Life

We are pleased to introduce improved allocation and disclosure forms. Our new allocation forms are designed by product and can take away confusion on which form to use. We have also combined state-specific disclosure forms whenever possible to reduce the number of variations. Please use these forms for business effective June 9, 2017 and after.

Click here to read the announcement

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.

Underwriting Field Guide Update with Build Enhancements

Check out our updated Underwriting Field Guide, which includes a revamped format and a few new sections. Some of the changes include an improved build chart for the Standard and Substandard underwriting classes. Learn more. 

Updated Underwriting Guide

As you get started underwriting your case, Nationwide wants to keep things simple wherever possible, so you can focus on your client’s needs. One way they do that is by offering you this underwriting requirements guide, which includes the key information you’re likely to need. See guide.

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

Send Your Cases Through the Fast Lane

Fast Lane Accelerated Underwriting is a dynamic approach to underwriting your cases. Rather than completing a full traditional medical exam, Fast Lane streamlines the process, using an abbreviated application, authorization for our underwriting team to use a variety of personal consumer information sources to complete the underwriting process and tele-Med medical interview by phone. Fast Lane Accelerated Underwriting gets your client’s application underwritten quickly, without the inconvenience and intrusion of collecting a full paramed exam. Learn more. 

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. 

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.