3 Mark Financial, Inc.

11/15/2017

Reasons to Get an Informal Business Valuation

With Tom Fridrich, JD, CLU, ChFC from Mutual of Omaha

Webinar Later Today at 3:00 pm central

Learn how to get into the Business Market by offering a value-added service that sells! Informal Business Valuation services are great "door openers" for business cases that can lead to life and disability insurance sales.

November is LTC Awareness Month

During this month ONE Meeting we launched Long Term Care Awareness month by identifying the need for Long Term Care. Find everything you need to start a client conversation and begin the LTC planning process by visiting our online planning resource here.  And click here to see a webinar replay, Cost of Care map, and more. 

Video and More: Pitch Perfect

Get targeted life insurance options for clients by simply inputting their age and answering a few questions about their life stage; “Generation Station” will then deliver a personalized pitch for your next client meeting. All Aboard! Generation Station. Watch video. 

Women May Be Key to Growing Your Practice

Women’s need for financial services continues to grow. With more women graduating from college than men, women are closing the pay gap and becoming the wealthier sex. The 2016 Allianz Women, Money, and Power® Study showed that more than one-third of women report being the sole or primary household breadwinner and half responded that they made the long-term financial decisions in their households. Even for those who aren’t the primary wage-earner, women often influence spending and saving decisions in their home. Yet according to the study, only 30% of women are working with a financial professional. This indicates a need and an opportunity.  Learn more.

An IUL Policy Can Help Your Clients Live Life Full Throttle

Find out how Income Advantage IUL can help your clients protect their family while also accumulating cash that can be used to supplement retirement income.  Learn more. 

 Make the Move to Term Life Answers

Looking for a top-ranked carrier, offering competitive pricing, and product features your clients need? Look no further. Learn more. 

he Power of No

For people age 18-60 in all risk classes seeking $500,000 or less of term insurance, we can proudly guarantee the power of NO. No hassles. No Paramed visits. No exclusions. No fine print - period.  Learn more.  

Products Available for Conversion

To help meet your clients’ needs, Protective Life offers policyholders who own a qualifying* life insurance policy the ability to convert or exchange their policy to an eligible Protective Life permanent insurance option without providing evidence of insurability. Protective Life maintains two portfolios of products available for conversion: Basic Conversion Products and the Expanded Conversion Products.  Learn more. 

Executive Bonus and Restricted Endorsement Bonus Arrangements (REBA) Marketing Materials

It can be very challenging for business owners to develop executive benefit plans that will attract and reward key employees — particularly for small, closely held businesses or pass-through entities. Learn more about how Executive Bonus and REBA plans can provide long term value to key employees in a way that is flexible, cost effective, and simple to administer.

eDelivery Infographic Available

Share this infographic from Legal & General America to communicate the benefits of eDelivery. Legal & General America's flexible eDelivery solution makes it easy for customers to sign and receive their life insurance policies electronically, and saves trees! Our eDelivery microsite includes this infographic along with many other informative flyers and training materials.  Learn more. 

Why Clients Should Consider Purchasing LTC Insurance

When Vernon Duckett first heard about long-term care insurance, his wife, Helen, talked him into it. Years later, that decision not only provided financial security - it provided peace of mind and independence. Share the Duckett family's story, and help your clients learn why they, too, should consider buying long-term care insurance.  Watch video. 

DOL Updates: What You Need to Know

Lafayette Life has provided you with new updates and details about the DOL Fiduciary Rule. Please take a moment to review and become familiar with these materials that can help you do business in a DOL world. Among the useful content we have included are a sales guide and quick 4 minute explanatory video. If you have any questions or concerns, please feel free to reach out to your internal wholesaler at 1-866-937-5542.  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. 

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.

Lowering Barriers to Life Insurance for Farm and Ranch Customers

Nationwide remains committed in helping to support family farm and ranch operations by offering more flexible underwriting guidelines. Put our updated underwriting guidelines to work for your farmers and ranchers now.

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 Cervical Cancer Underwriting Guidelines

As of October 2017, underwriting guidelines have been released for those clients diagnosed and treated for cervical cancer. Effective with the new cervical cancer underwriting guidelines, some squamous cell cervical cancers may be accepted at Preferred Non-Tobacco or Preferred Smoker.  Learn more. 

Podcast: Life Insurance and Diabetes

We are kicking off American Diabetes Month with a podcast featuring Brooks Tingle, Senior VP, that talks about the common life insurance misconceptions held by people living with diabetes — and how John Hancock makes life insurance more accessible, affordable and rewarding for this unique segment of the market.  Listen now.