3 Mark Financial, Inc.

11/22/2017

The Untapped Market

Why, When and How to Incorporate Policy Appraisals & Life Settlements into your practice.

Webinar November 29 at 3:00 pm central

The goal of this webinar presented by Jamie Mendelsohn Senior Vice President Ashar Group is to help gain confidence in adding the policy appraisal/life settlement discussion into their practice in order to increase sales and open doors to valued clients and centers of influence.

Lifetime Builder Elite Launch Resources

We’re taking our industry leading IUL to the next level - Lifetime Builder Elite.  Our new product design makes Lifetime Builder even more competitive in accumulation and distribution scenarios. Visit http://www.globalatlanticlife.com/latest for all the info you need to get started, including a product comparison flyer. 

How is TeleLife Simple and Quick?

We keep it in-house. The Tele-Life process is completely owned by Protective. Our interviewers are trained to ask the questions our underwriters need, creating a smoother experience. And we are responsible for making a top-notch experience for you, your agents and your clients.  Learn more. 

Indexed UL - The Future Looks Bright

“Like many great innovations, Indexed UL has been a disruptive force in the industry that has stood the test of time” according to J.J. Bowman, AVP, John Hancock Insurance Product Management. Hear what else he has to say about the future of the Indexed UL market in this recent interview. 

Planning During Uncertain Times

The recent GOP tax bill called for a repeal of the estate tax, leaving many wondering if the estate tax is here to stay. Our Planning During Uncertain Times flyer highlights the importance of estate planning and the role that life insurance plays in the estate planning marketplace.

Lincoln Life Leader: Rad about Tele-App Enhancements

Lincoln is committed to continuously improving and streamlining life insurance sales for you and your clients. We’re happy to introduce two new Lincoln TermAccel® and LincXpress® Tele-App process features to enhance this experience: Online Scheduling and Text Message Reminders. Read about these exciting Tele-App enhancements and more in  The Lincoln Leader. 

Leaves and Modal Factors are Falling

Legal & General America has crisp new OPTerm rates and now monthly premiums are more competitive than ever!  Learn more. 

Options for eDelivery

Legal & General America has a flexible eDelivery solution that will save your agency time and money. Newly updated flyers explain the two options for eDelivery: Nonstop and Layover. 

Our eDelivery microsite includes these flyers along with many other informative flyers and training materials. 

Looking for Ways to Find New Clients and Grow Your Business?

As seen on ThinkAdvisor.com, Jason Wellmann, senior vice president of Life Distribution, offers perspective on how millennials should be a focus for your life insurance business because of their financially savviness and interest in protecting their financial future. Read the full article to learn how new options within the term life insurance space can make this financial vehicle more attractive to younger consumers who are looking for life insurance coverage, but also have an eye toward needing flexibility as their circumstances change.

Consumer-Approved Case Study Talks Life Insurance and Market Volatility

Have more productive client conversations about how life insurance can help in retirement to offset market volatility.  Get the case study. 

New Conversation Starters Relate to Client’s Needs

Not every generation is the same – they have unique needs and preferences based on their experiences growing up. We have new generational resources to get conversations started, plus help in selling the right solutions at the right time in the right way. New infographics, generational tips, communication preferences, plus prospecting tools tailored for each generation available on aig.com/GenerationMatters.

How to Talk About Long-Term Care Planning

Long-term care (LTC) services are evolving, as more clients are choosing to stay at home and receive LTC from informal caregivers.1 Informal caregivers are usually a loved one, friend or neighbor — and go unpaid for the daily care and assistance they provide. Now is the time to talk to your clients about their future LTC needs, so you can help them put a plan in place. The first step is to identify your client’s future LTC needs. Nationwide® can help you start the LTC conversation with any client — at any step of the planning process.  Learn more. 

What Makes an IUL Product Competitive?

Some might say low policy costs are the hallmark of a competitive IUL product, others might say high policy distributions. At Symetra, we think it’s both. We built Accumulator IUL to offer high policy distributions, lower policy costs, strong guarantees and a simple story. Add in our high target premiums, and Symetra Accumulator IUL truly stands out among the competition. Check out our new key components flyer to see how Accumulator rank in policy costs, distributions and target premiums.

Need Some Sales Ideas to Help You Boost Your Sales?

Want sales ideas that can help you position indexed universal life insurance with your clients? Want to know what makes our IUL products unique?  We have just the place for you to go.

Video: New ‘Shirtsleeves to Shirtsleeves’ Concept

The old adage says a family can go from 'shirtsleeves to shirtsleeves' in 3 generations because of one simple thing...they're not communicating. Tell this story through the power of simple drawings. Watch the 'shirtsleeves to shirtsleeves' concept in action.

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. 

Video: Offering a Powerful Solution for Clients with Diabetes

Some things in life just make sense together. Like mornings and coffee or shoes and socks.  Now you can add diabetes and John Hancock life insurance with Vitality to the list. Watch video.