3 Mark Financial, Inc.

11/01/2017

Stepped Up Premiums v.s. Level Pay Premiums

With Amanda Fleskoski from Protective Life 

Webinar Later Today 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.

Make Every Step (And Sale) Count - Introducing Apple Watch Series 3

Now, all new and existing permanent and term policyholders can earn an Apple Watch Series 3 for as little as $25 – starting November 6th!  Learn more.  

John Hancock Vitality and Apple Watch Make Headline News!

This week, we announced that Apple Watch Series 3 is now available on all new and existing permanent and term policies with John Hancock Vitality — at all face amounts! The expanded Apple Watch Program has captured national media attention with stories in CNBC, the Wall Street Journal, and Fortune Magazine — just to name a few. 

Advanced Markets Minute: The Tax-Advantaged Retirement Income Plan

Learn how you can help business owners provide a supplemental retirement benefit to their employees without having to worry about administration requirements, contribution limits, plan costs and the ongoing responsibility of traditional retirement plans. Learn more. 

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. 

Our Newly Updated Illustration Interface Has Launched

You asked and we listened. The Lafayette Life Insurance company has enhanced the Whole Life illustration software by reorganizing it into an intuitive, more user-friendly format. This new interface incorporates many of your suggestions, adds new functionality, and gives you better tools to support your business. Learn more. 

Potential Impacts of the September 2017 Tax Framework Proposal

In September 2017, the Trump administration, along with various Congressional committees, released a tax reform “Framework,” claiming it will provide a level playing field for American workers, bring companies back home, attract new businesses, and put more money into the pockets of everyday hardworking people. If these proposed tax changes eventually become law, they could have a potential impact on financial strategies used with your clients. To help simplify things, we have created a summary of the Framework proposal that outlines the changes and how they could affect your clients’ approach to planning their financial future. Proposed tax changes summary.

Webinar Replay: Market Volatility

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. 

Protective Life’s TeleLife

Submit it and forget it!  Agents submit an application - paper or online. We complete the interview, scheduled the paramedical exam, order records and all the rest. You and your agents cant check the status online or through email notifications - it’s your choice. Learn more. 

Chronic Illness Protection Made Easy

Have you asked your clients…What’s your plan if you get sick? The problem is challenging, bu the solution is easy. The Accelerated Access Solution can help.  

Watch and Learn in 15 Min

Turn a detailed 50-page illustration into a 5-page showstopper that illustrates the value of Max Accumulator+ IUL to your clients. Just watch our short, step-by-step pre-recorded webcast combining Winflex and InsMark. Learn more.  

Turn GUL Sales into IUL

Client interested in GUL? Perhaps you should help them consider Value+ IUL… It also has extended guarantees, but comes with greater potential for interest while helping safeguard against market downturns, plus liquidity and living benefit options. Learn more. 

Video: New Back of Napkin Concept Tutorial

The right preparations could help protect clients if the unexpected changes their plans. Tell this story through the power of simple drawings. Watch video

Builder 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. 

Great Things Stand the Test of Time - Whole Life is One of Them

Through market shifts, across generations and over time, whole life insurance has provided solid protection for American families. SBLI has been doing the same for 110 years! To build on our tradition of security, service and simplicity, we’re proud to share the new SBLI Participating Flex Whole Life website with you and your agents. 

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. 

Which Asset Would Your Clients Use?

If your clients needed money today to pay for unexpected long-term care expenses, which asset(s) would they use? Check out our new client-approved brochure to help your clients protect more of their portfolios. Learn more.  

Introducing a NEW Inflation Option for SecureCare!

Giving your clients more choices for their LTC protection, Securian now offers four inflation options: 3% simple, 3% compound, 5% simple and 5% compound interest. Learn more. 

CareMatters Launches in California

Nationwide YourLife CareMatters®, a long-term care (LTC) solution built to help meet your clients' needs, will be available to issue to California clients effective November 6th, 2017. Learn more.  

Check Our Your New Annuity Playbook

Our new interactive Annuity Playbook combines the most important online annuity resources in one place for traditional fixed, index and income annuities. Visit http://www.aig.com/annuityplaybook to familiarize yourself with it and be sure to bookmark for future reference.

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 Kit

We’ve put all of our underwriting materials into one place for you to share with agents. Find quick links, the Underwriting Field Guide, case studies, newsletters, social content, and the new sweet spots video. Just pick and choose what works for you. 

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

A Powerful Life Insurance Solution for People with Diabetes

Living with diabetes can mean added challenges - but getting insurance shouldn’t be one of them. John Hancock Vitality can offer your clients living with diabetes affordable financial protection, while also helping them save money and earn rewards for the everyday things they do to manage their condition. Show your clients the top reasons why John Hancock Vitality is the ideal life insurance solution for their needs. 

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.