3 Mark Financial, Inc.

10/25/2017

Stepped Up Premiums v.s. Level Pay Premiums

With Amanda Fleskoski from Protective Life 

Webinar November 1, 2017 at 3:00 pm central

Any of these Sound Familiar?

• In Competition with Another Agent?
• Clients with Cash Flow Issues?
• Presenting a Rated Case in a Favorable Light?
• Trying to Differentiate Yourself?

Tune in to this webinar to learn a Protective Illustration technique to help overcome these all to common sales situations.

October 2017 Central Intelligence —Tax Proposals of President Donald J. Trump

In our October edition of Central Intelligence, we summarized some of the tax proposals that may affect estate taxes, income taxes, and business taxes.   

Special Needs Client Guide

A Special Needs Trust funded with life insurance is one way your clients who love and care for an individual with special needs can make sure that person has the resources needed to lead a comfortable life. This popular guide can be ordered through the warehouse (LIFE-5158).

Simplicity + Client-Friendly Features = IUL Difference

At first glance, all IUL products on the market may look similar. But after a closer inspection, you'll notice not all IULs are created the same. What's unique about ours? Simplicity of product design. We don't believe fancy (and oftentimes confusing) crediting strategies are necessary in order for clients to get upside potential. Plus, our products are designed with client-friendly features like the GRO rider and a guaranteed cap on our index loan charge. Download the IUL flyers today!  View IUL Potential Flyer. View Guaranteed Refund Option Flyer. 

Roadmaps to Social Security Success

If it seems like you have huge numbers of Boomers hitting age 62, you're right. In fact, it's roughly 10,000 a day. This massive generational shift also means that your clients need advice on how to navigate the new world of social security benefits. "What are My Social Security Options" and "Bridging the Social Security Gap" are handy for your clients who are getting ready to reach this milestone. 

North American’s IUL Stacks Up

Life changes, and so do your clients’ needs. North American’s Rapid Builder IUL®, Indexed Universal Life insurance, provides permanent death benefit protection, affordable premiums, liquidity1, and living benefits. Download the flyer to see how we stack up!  Learn more. 

Orion IUL Outshines the Competition (repeat entry)

Securian's new Orion IUL is the shining star in certain max distribution scenarios. Check out our new competitive flyer to see how we rank against the competition.  Learn more. 

Improved Pricing for Lincoln Term

Now you can offer your clients even more attractive premiums with our highly competitive term solutions. Premiums either decreased or remained the same in all cells. We’ve targeted our term portfolio for pricing improvements, which will improve competitiveness in key cells as a top 3 carrier.  Learn more. 

Earn CE Credits While Exploring the Changing Retirement Landscape

Four Prudential experts talk about life insurance and the unexpected ways it can help bolster clients' retirement income.  Find out more and earn CE credits.  

Quarterly Retail Market Commentary from Dr. Quincy Krosby

Get a market checkup from Prudential's Chief Market Strategist Dr. Quincy Krosby as she offers an outlook on the markets for the fourth quarter of 2017.  Q4 2017 Retail Market Commentary.

Video: A Leader in UL-G…Soaring to Become a Leader in IUL

You’ve gotten to know us as a leader in the UL-G -market, we expect you’ll want to get to know our Accumulator IUL product. When it comes to providing your clients with life insurance product solutions with strong guarantees, lower policy costs and product transparency, you should get to know us and Symetra Accumulator IUL and Symetra UL-G. Learn more. 

Lafayette Life Upgrades Whole Life Illustration System

We hosted informational sessions on October 17th and 19th to introduce our updates to the Illustration software. We went over the new layout, and focused on the most frequently used functionality. Below you will find the recording of these webinars and we hope that you will find it useful.  Learn more. 

Help Block the Impact of Dying Too Soon

Are your client’s financial goals fully funded? What would happen if they died prematurely? Not all financial solutions provide the same benefits. Learn how a fixed index universal life insurance policy can provide life insurance coverage and help protect your client’s future financial goals, even if they were no longer around. Learn more.

Your Agency Will Leap Ahead with Our Unique Accelerated Underwriting Process

With our Accelerated Underwriting (AU) process, no one age 18-60 is excluded, no matter the risk class, for $500,000 or less of term insurance.  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.

Video: Legacy Optimizer is Really This Easy

You know that Legacy Optimizer is indexed universal life insurance that provides a guaranteed death benefit with a single premium1. But did you know that Legacy Optimizer also takes the hassle out of life insurance with a simplified application process?  Watch the video to see just how easy it is. 

Let’s Optimize October

October may traditionally be Certificate of Deposit renewal month, but it's a great opportunity for you to Optimize October! Meet with your clients to discuss the current low interest rate environment and possible alternatives to CDs. If they intend to leave money to loved ones, let them know that Legacy Optimizer Indexed Universal Life insurance is a great alternative!  Read more. 

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.

Creating More Resources For Your Clients’ Future Long-Term Care Needs

Do you have clients who want to protect their assets and income in retirement from depletion due to long-term care (LTC) expenses? With Nationwide YourLife CareMatters®, you can help them re-position discretionary income to create a larger dedicated stream of funding for future LTC expenses and protect their assets and retirement income. It’s LTC coverage linked to a fixed premium life insurance policy, and it helps give your clients choice, control and flexibility as their needs unfold. Learn more.

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 Sweet Spots Video

At Legal & General America, our underwriters are committed to making well-informed decisions and delivering great service. Check out our new video which outlines medical and non-medical risks that can be considered for our top three underwriting classes. Watch now.

New Video Helps Clients Prepare for the Underwriting Process

We’ve taken the complexity out of the underwriting process. Our NEW client-approved video explains what to expect and how to prepare to make the process as smooth as possible. Share the video with your clients today.  Watch

Exciting New Partnership with the American Diabetes Association

John Hancock Life Insurance and the American Diabetes Association® have teamed up to raise awareness about the successes, challenges and stigmas of living with type 2 diabetes. The "In it Together" campaign showcases real-life stories of people living with diabetes, and provides tips, resources and information on issues such as health, wellness and the accessibility of life insurance. View the press release. 

Global Atlantic Financial Group recognizes the immense opportunity in the Foreign National marketplace and is pleased to announce the following enhancements to its Foreign National Underwriting program, effective immediately.