3 Mark Financial, Inc.

8/16/2017

Join Michael Ruda, with American National as he gives us an Introduction to The American National 401(k) Platform for small business owners.

Webinar August 23, 2017 at  3:00 pm central

Starting the Healthcare Conversation Can Be Challenging

Prudential made it easier with compelling talking points and corresponding tools to lead your clients through. Start Talking. 

Connect With Prospects Around This Next New Short Film Featuring a Millennial Left With No Life Insurance

Watch the latest episode of Masterpiece of Love that centers around a young woman whose loss and life take a new direction that fulfills her and her father's dreams. Read more, watch and share the film. 

Celebrate Two Years of Proven Success

Thousands of customers are enjoying the benefits of the John Hancock Vitality program. See how our #1 selling rider is adding real value to client relationships, driving sales, and helping you grow your business. View Video.

Unlocking Success in the Business Planning Marketplace

Our popular Business Planning Guide was recently updated with links to key materials. Copies can be ordered through the warehouse (LIFE-5663). In addition, the following stand-alone sections of the Business Planning Guide can be downloaded: Prospecting. Business Succession Planning. Retaining & Rewarding Employees. Retirement & Estate Planning. 

The Top 10 Reasons to Choose Life Protection Advantage IUL

Find out why your clients should choose Life Protection Advantage IUL to provide them with protection through life. 

Help Small Business Owners Reward Key Employees and Get a Tax Deduction

Purchasing fixed index universal life insurance with an executive bonus plan offers key employees valuable benefits. Our small-business life sales insurance concepts will show you how.

Plan Your Clients’ Road to Retirement and Beyond

Learn how to use the "Life To The Max" interactive sales tool in your client meetings. It simplifies complex conversations into layman’s terms with easy-to-understand charts. See how you can click on various scenarios to see creative solutions to common retirement challenges.  View on demand training. Access Life to the Max. 

Re-Inventing Policy Statements

Have you seen the new and improved IUL and GUL annual statements? There’s even a “How To” guide to help you walk your clients through understanding them! GUL 3. Max Accumulator +. Value+ Protector. 

Women + Retirement + Insurance

Check out this “hot list” of the 6 challenges women face on the road to retirement by AIG’s Head of US Life Marketing, Michelle Miller, in INN Magazine. View article.

What Income-Focused Clients Really Want

Don’t be distracted by high roll-up rates when comparing annuities with income benefits. Instead, focus on the one thing that your income-seeking clients really want: the highest amount of guaranteed income they can get, so they don’t run out of money in retirement.  Learn more. 

Legacy Optimizer Now Available

We're excited to announce Legacy Optimizer, North American's brand new Indexed Universal Life insurance product that just might be the missing piece in your portfolio, and your client's financial strategy. What makes it so special? It optimizes a legacy for beneficiaries with a guaranteed death benefit in a single premium. It’s simple life insurance everyone can understand. Easy application process. Get an answer in about 20 minutes.NO bloodwork, NO doctor’s appointments, NO hassle, NO wait. Accelerate a portion of the death benefit for a qualifying chronic or terminal illness. Learn more. 

Legacy Optimizer and iPipeline

We have been receiving several questions about iPipeline lately and I want to share some useful information with you. 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.

Help Women Maintain Their Independence with LTC Planning

Older parents and grandparents can help satisfy an important planning need for their children and grandchildren, while leaving a lasting legacy. Look in your book for clients who may be gifting annually to their children or have contributed to a 529 for a grandchild. Here’s an example of how annual gifting can help fund LTC protection for the next generation and beyond.

Virtual Care Solutions University: Your one-stop shop

Register for webinars, download resources and access presentations, all on the VCSU website. 

Preventing Elder Financial Abuse

Elder financial abuse remains an underreported and misunderstood issue – one likely to get worse as America’s baby boomer population ages. This type of fraud often involves the unauthorized or improper use of an elder’s resources for monetary or personal gain – and sadly, it’s often not recognized or reported. We have tools available to you to educate you and your clients about elder financial abuse. Find out more.

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 Policy and Process for Non-Resident Sales

Nationwide and our firm partners have regulatory risk when policies are sold in states that differ from the clients’ state of residence.  To improve the underwriting process and our ability to meet state regulatory requirements, we are introducing a new educational form and updating our policies and procedures for Non-Resident Sale. Learn more. 

Increased Retention Limits (repeat entry)

Effective April 1, the retention limits for our Symetra single life insurance product portfolio were being increased to $5 million. With these new limits we can provide even more underwriting flexibility and enhanced competitive positioning. With our market-leading UL-G pricing and increased retention limits, Symetra is making it easier to place your large cases with us. Download our updated Retention and Automatic Reinsurance flyer for complete details.

MutualCare Solutions Product and Underwriting Guide Updates

We're updating the Product and Underwriting Guide, along with supporting forms and processes, to give you the tools needed to better support your field underwriting. Please review these updates effective August 14, 2017.

New Underwriting Case Study: Aviation

Legal & General America has a new underwriting case study specifically for aviation activity. Preferred classes may be available for pilots of major airlines flying in the US and Canada. For pilots with other aviation activity, Preferred rate classes may be available with an Aviation Exclusion Rider. Find personalizable underwriting materials and more at www.lgamerica.com/underwriting