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3 Mark Financial, Inc.

1/24/2018

Business Succession Planning

Webinar Later Today at 3:00 pm central

Are you looking for a new market this year? How about quarterbacking the business succession discussion with small business owners. Join Joey Ussery from John Hancock as he discusses the opportunities in this market and how you can start the discussion with business owners and their advisors.

These Tools Help Unlock Answers

How far will my retirement savings last me? How much disability insurance do I really need? Is life insurance important at every stage of life? When it comes to financial planning, questions abound. These tools help clients unlock answers.

No Jumping Through Hoops - Get Clients Life Insurance Fast

“WriteFit respects the importance and value of my clients' time. Every opportunity we have to use it, we will.”– Financial advisor for over 20 years. Learn more.

Ten Reasons to Sell Life Protection Advantage IUL

Life Protection Advantage offers many advantages to your clients who have a need for a protection-focused life insurance solution. Here are 10 reasons for your clients to choose Life Protection Advantage to provide them with protection through life. Read more.

Children's Whole Life Product Enhancements

Starting January 22, 2018 we will be improving our Children's Whole Life product. Learn how this affordable express policy will get even better. Read more.

Have you used our new Living Promise iPipeline e-App?

In December we updated our iPipeline e-App for Living Promise - make sure you check out the new functionality. Read more.

New Year’s Resolution: Save Time and Money with Digital Solutions

Legal & General America is the term carrier you can count on to bring you consistent, competitive pricing and automated, simple solutions. Our digital solutions make the process of buying life insurance easier and faster. With programs like AppAssist tele-application, Voice-Signature, Automated Underwriting, eDelivery and more, we continue to improve and streamline the life application process for advisors and customers. Agents save time and money, allowing more time for marketing, finding new clients and matching their needs with the right amount of coverage.

And now it's easier than ever to share our digital solutions with agents with the new Digital Solutions Kit. Find videos and flyers highlighting the many flexible programs available that save time and money, all in one place.

Your Agency Will Leap Ahead with our Accelerated Underwriting

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. Click here for your brand new customizable flyer.

New, Improved Rates in the $500K+ market.

Click here to learn more.

New, Improved Rates in the $500K+ market.

Click here to learn more.

26 Sales Flyers: Get Prospecting!

You read that correctly. We have 26 different sales concept flyers (Single no kids, Protect your home, etc.) ready for you to use with clients today – or fill them out with your contact info and send them off to prospect. Sales Collateral.

Generation X is a Tough Nut to Crack

Gen X can be cynical, very pressed for time and tough to get interested. Reach out with value added, engaging content that is accessible with the click of a button.. Then you can follow up with our client meeting prep tool called Generation Station which provides a fast track to tailored sales strategies for Generation Xer’s specific life stage needs, income and more. For more information: aig.com/GenerationMatters.

Prospecto Perfecto

Say it three times, wrinkle your nose, blink...and absolutely nothing will happen. Prospecting success is fueled by real effort; let us help make it easier. Every “Campaign In A Box” module begins with turnkey prospecting – just grab it and go…no magic wand (or password) needed! Prospecting tools.

Tax Table Changes

Want to see the changes to the 2018 income and estate taxation side-by-side with 2017? Check out our up-to-date Tax Tables brought to you by our Advanced Markets Department! Tax Tables. Other Advanced Markets Resources.

Quick. Leads. Now.

Want a free list of target leads? Go back to your current book of business! Help clients review their plans for the future by conducting a beneficiary or policy review to offset today’s changes in lifestyle or income. Lead Generation.

Important Announcement

It was announced that Protective Life Insurance Company has entered into an agreement to acquire the individual life and annuity business previously underwritten by Liberty Life Assurance Company of Boston. This acquisition will take the form of a reinsurance agreement and is part of a three-party transaction. Learn more.

New AXA Podcast: Tax Cuts and Jobs Act

Join AXA’s Mark Teitelbaum as he interviews Robert Keebler, on the major provisions in the tax bill that relate to individual taxpayers, businesses and business owners. Their conversation covers the major provisions to open discussions with your clients, and the planning opportunities coming out of the tax bill. 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.

LTCi Tax Advantages Flyer Updates

It's time to start thinking about taxes. Take a look at the tax advantages of Long-Term Care Insurance.

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. 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.

On November 27, 2017, the Department of Labor (DOL) released its final 18-month delay of certain Fiduciary Rule compliance provisions.

What does this mean for you?

In summary...

You are still a "fiduciary" for qualified sales
You still need to provide your clients a PTE 84-24 acknowledgment and keep a copy in your records for at least 6 years
It is important you comply with the DOL’s impartial conduct standards during this “transition period,” including (1) acting in your client’s best interest, (2) making no materially misleading statements, and (3) receiving no more than reasonable compensation.

Please Review these important resources:

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.

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.
Attach a copy of a current policy/ account statement for the funds being transferred to the 1035/transfer document.
Complete the 1035/transfer form carefully and completely. Be sure all necessary signatures are obtained.
Send original transfer forms with the application to 3 Mark for processing.