3 Mark Financial, Inc.

12/06/2017

eDelivery from Legal & General America

Webinar December 13 at 3:00 pm central

Learn how to Get on board with eDelivery!

Legal & General America has created a flexible eDelivery solution that will save your agency time and money. 

eDelivery Advantages: 

• It's fast. Cycle time is reduced by more than 2 weeks! 
• It's easy. The DocuSign portal is easy for your agency to manage. No broker training required. PayPal lets applicants pay online.
• It's free. No cost for an agency to start using eDelivery. Reduce/eliminate mailing costs for your agency.
• It's money. If daily EFT is used, we process BGA commissions the same day, and send funds to the bank within 24 hours. 
• It's complete. We collect all documents necessary to place the case (including payment) in good order.

Get it Right with a Prospect at the Very Beginning

Develop sales strategies to help cover the ‘what’s new’ in your client’s life. Clients move in and out of different stages of life over time, impacting WHAT life insurance solution is appropriate to meet their needs. Combine your understanding of a client's life stage with HOW to communicate with their generation, and you have a formula for selling the RIGHT solution in the RIGHT way.  Learn more. 

New AIG Campus Course

AG Secure Survivor GUL II is our individual, joint and last survivor, flexible premium universal life insurance product. It’s can help preserve the family legacy, business, or even their favorite charity.  Learn more. 

A New Way to Talk About Life Insurance

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

White Paper: Planning Strategies for Business Owners

Planning strategies featuring life insurance not only protect an owner’s business investment but also provide the owner with a supplemental retirement income source. This white paper provides insight into essential business strategies and you’ll find detailed information to assist you in helping your business owner clients achieve their goals.  

Webinar: Trends in 2017 and Tax Reform

Another year almost over. A new one about to begin. Steve Sabol hosts a discussion with James Christie, VP, Head of Competitive Market Solutions, and members of the Lincoln Advanced Sales Team to look at the trends that defined 2017 and discuss how the tax reform bills currently making their way through Congress may impact you, individuals, and business owner clients in 2018. Learn more. 

Here’s Your Ticket to a Great Holiday Season

SBLI’s "Double Your Money Bonus" program could earn agents up to $5000 in American Express gift cards in 60 days! 

For every five term and/or whole life policies, with an annual premium of $500 or more, submitted between December 1, 2017 and January 31, 2018 and paid by March 9, 2018, agents can earn up to $750 in Amex cards. Please note, a minimum of three cases must be submitted and paid during this time period to qualify. 

A “Double Your Money Bonus” is given for any $500 or greater premium case, submitted on or after December 1, 2017 and issued and paid by December 29, 2017.¹ 

The holidays are here and there’s no better time to drive your business. Please click here for full details about the opportunity for your agents to earn some bonus money!

Clients are More Active than Ever with Apple Watch^®

John Hancock Vitality policyholders are embracing Apple Watch — and it’s working. Share this infographic with your clients and producers to show them how John Hancock Vitality with Apple Watch can help people get more active and engaged!

Comparing IUL Policy Costs

While IUL products with elaborate marketing features may be appealing, it's important to look further when you are choosing which product to recommend to your customers. Our new Cost Comparison Flyer helps you uncover one of Income Advantage's greatest strengths - its low cost structure. 

Coming Soon: Updated Living Promise e-App

Effective December 9, 2017 we are updating our Living Promise (Final Expense) e-Application.  Find out how our updated e-App will make it easier for you to conduct business.

Understanding the JPMorgan ETF Efficiente 5 Index

The JPMorgan ETF Efficiente® 5 Index, available as an index strategy within Symetra Accumulator IUL, is an industry-leading, multi-asset-class index. The index seeks to generate returns by utilizing a diverse array of ETFs and a cash index. The index rebalances monthly to create an asset mix with the best recent returns for a given level of risk. This design focuses on maximizing returns while limiting volatility. Our new fact sheet provides a detailed overview of the index including hypothetical historical performance. 

Leaves and Monthly Modal Factors are Falling

Crisp New Rates and Reduced Monthly Modal Factors Make OPTerm More Competitive Than Ever! For all ages, classes, amounts, and durations, OPTerm pricing including NY, ranks #1 - 78% of the time.* Rate decreases restored our #1 price ranking against core competitors. Term Microsite. 

Consumer Video: Journey to and Through Retirement

Is there a gap between your clients’ retirement strategy and their desired retirement destination? To help them reach the retirement they envision, they need an appropriate mix of assets. This new video can help your clients better understand some challenges that they may face in retirement – and show them how a fixed index universal life insurance policy can help address these concerns.

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.

Webinar Replay: Learn 5 Approaches to LTC Planning

According to research from Lincoln Financial, 58% of people have either provided care or know someone who has provided care to an elderly person or relative. However, only 41% have had the LTC conversation with their advisors. Learn about how you can start protecting your clients from long-term care expenses with affordable, flexible payment options beginning at age 40.

LTC: What’s in Store for 2018?

What's in store for the coming year? Learn about the LTCi initiatives we have planned for 2018 and how we're committed to helping you grow your LTCi business.  Read more.

How to Talk About LTC 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. 

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.

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. 

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 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.