3 Mark Financial, Inc.

7/26/2017

Join Darrell Wolfe & Bruce Alfredson as we introduce 3 Mark Financial's new Longevity Specialists platform

Webinar August 2 at 3:00 pm central

Choosing the Right Crediting Strategies for Your Retirement Needs

When you purchase a Protective Indexed Annuity II contract, you can allocate your money among several interest crediting strategies to help potentially grow contract value. What allocation is right for you? Take a look at how select strategies would have performed each year.  

Vitality Active Rewards with Apple Watch Video

John Hancock Vitality members love that they can order an Apple Watch Series 2 for as little as $25 by exercising regularly.  But did you know that it’s also a great conversation starter, lead generator, and relationship builder for you?  Watch this short video to learn more about this great benefit.

New Term Life Answers eApp

Our Term Life Answers eApplication will be updated on July 22, 2017. Please submit all applications (including all signatures) by July 21,2017. Learn more.  

An Opportunity for an Upsell on Term Life Answers

With our new Upsell Program, we offer clients an opportunity to increase their coverage after their term policy has been approved.  Read more.  

How Will Your Clients' Retirement Expenses Get Paid?

Learn about a planning strategy that gives your clients additional options to consider - even if their retirement savings runs out. Read more. 

Help Small Business Owner Clients Protect the Life of Their Business

Life insurance can provide a generally income-tax-free death benefit to your clients’ beneficiaries. It can also help cover many other small-business needs and serve as an excellent employee retention tool. Are you prepared to discuss these needs with your small-business clients?  Read more.  

Beneficiaries - Important, but Often Forgotten, Topic

A beneficiary designation – like any legal document – is no small matter. Yet as life events happen, the client’s beneficiary designations are often overlooked or not updated. Because of the potential complexity of certain beneficiary designations, it’s generally advised to have the family’s attorney involved when drafting complicated beneficiary designations. There are too many variations and different types of designations to cover all scenarios, so we will highlight some of the more common types along with basic cautions to watch for. Learn more.  

Social Security and Medicare Tools

Social Security and Medicare play a critical role in planning one’s retirement strategy, and you can assist your clients’ understanding of these programs by using some or all of these tools:

• Social Security 7 keys client presentation (ENT-843-N) and invitation (ENT-905-N)
• Social Security and Medicare summary sheet (ENT-1545-N)
• Social Security retirement benefits consumer brochure (ENT-1440-N)
• And more! Login in to our website now to view, download, and order these materials.

Understanding how IUL Policy Loans Work

When should clients use withdrawals vs policy loans? Learn about the advantages of IUL policy loans versus withdrawals as w ell as the many benefits and differences of participating, preferred and standard loans.Watch the on demand training and reference the scripted presentation.  

Take Us With You - Retire Stronger Site Optimized for Any Device

Same great content with an updated look and a responsive design that adapts to any size, no matter the device. As always - no user ID or password is required. All you need is an internet connection. Go to RetireStronger.com for updated Infographics—customize compelling facts for conversation starters, campaign in a Box Materials—deploy grab and go promotional programs immediately, and more.

eDelivery Infographic

Legal & General America’s flexible eDelivery solution makes it easy for customers to sign nd receive their life insurance policies electronically. Learn more via this infographic. 

Need Some Help Promoting or Explaining A-LIST TERM?

Try our microsite. The microsite includes a section that explains How A-LIST TERM Works, including the sales cycle overview, a product summary for brokers, and the specs overview. You'll find Materials to Share with Clients including an overview flyer, a benefits brochure, a benefits one-pager, and a features flyer. And if you're looking for Materials to Promote A-LIST TERM, the microsite has a broker flyer, a vertical website ad, and a horizontal website ad. 

IUL Made Easy [Video]

You understand the benefits of indexed universal life insurance, but do your clients? Share the first video of a two-part series to explain how indexed universal life insurance works and its unique benefits. 

Underwriting Decisions in 24 Hours for Qualified Clients

Since the introduction of WriteFit, Securian now provides underwriting decisions within 24 hours for qualified clients. Read about the average case size, turnaround time and more. 

$99 per Month Can Protect a Lifetime of Dreams

Just $99 per month can leave a lasting financial legacy for children and grandchildren. By purchasing a permanent life insurance policy, parents and grandparents can protect a lifetime of dreams at a minimal cost, while locking in insurability. All it takes is $99 per month.  Learn more.

For $1M and Over Cases, We Offer Your Agents Extraordinary Competitiveness 

For cases $1,000,000 and over for 20 and 30 year terms, we’re in the top 3, 93%¹ of the time, and #1, 57%¹ of the time! Now, your agents can use our competitive prices to connect with prospects, across all ages, and target the 20 and 30 year markets. Click here and find out how we’ll earn your agents’ loyalty when they throw us their next large case!

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.

CareMatters in NY

Nationwide YourLife CareMatters policies can be issued in New York as of July 17. The client brochure and other materials are available to support sales. 

Informal Care White Paper

"Informal care giving and home health care" highlights eye-opening facts about LTC needs.

Start Educating Female Clients about LTC Risks

The unpredictability of a health event requiring long-term care and its expenses could quickly derail a retirement income plan. Unfortunately, in comparison to men, women are more at risk of potentially needing long-term care or bearing the burden of providing care.Help the female clients in your practice understand the challenges they face by starting a long-term care conversation with them. Use these client and advisor-approved resources to make them aware of the need to plan.

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. 

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

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.

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.

New Underwriting Dialogue: Obstructive Sleep Apnea

Obstructive sleep apnea (OSA) is a chronic condition characterized by repetitive partial or total collapse of the upper airway during sleep, resulting in partial or total breathing cessation. Learn more about this condition and how it’s underwritten. 

Our Underwriting = Your Competitive Advantage

At American General Life Insurance Company (AGL), we understand that Underwriting is your competitive advantage. That’s why we’ve been re-evaluating and changing our guidelines to make sure they make sense in today’s marketplace. Take a look.

Beneficiaries: An Important But Often Forgotten Topic

A beneficiary designation – like any legal document – is no small matter. Yet as life events happen, the client’s beneficiary designations are often overlooked or not updated. Because of the potential complexity of certain beneficiary designations, it’s generally advised to have the family’s attorney involved when drafting complicated beneficiary designations. There are too many variations and different types of designations to cover all scenarios, so we will highlight some of the more common types along with basic cautions to watch for, and share a beneficiary review worksheet. Learn more. 

Underwriting Guideline Changes Regarding Sales to Foreign Residents

Effective June 12, 2017 underwriting guideline changes were made regarding sales to foreign residents. New is the introduction of a US nexus requirement that must be met for any sale to a foreign resident.  Learn more.