Learn more about the latest in Life Insurance and related client solutions.
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3 Mark Financial, Inc.
2/07/2018
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Your Asset Based LTC Opportunity
Webinar Later Today at 3:00 pm central
Keith will share how you can introduce this as an essential life plan to your clients. He will also review the very unique OneAmerica Care Solutions product suite and share two questions every every Financial Advisor should ask their clients and prospects.
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New commission payment options make getting paid easier and faster!
Click here to learn more.
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2018 Fingertip Tax Guide
The 2018 Fingertip Tax Guide has been updated to reflect changes made under the Tax Cuts and Jobs Act of 2017 and is now available on JHSalesHub.com. This practical reference tool gives estate and income tax rates for the year and much more.
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How to Compare Income Advantage to Its Competitors
When it comes to indexed universal life (IUL) products, it seems like all products use the same general design. It can be tempting to choose a product based on which illustrates best. However, when you look closer at each product illustration, you’ll start to uncover some important differences you and your clients should be aware of. The not-so-obvious differences are in the product’s charge structure. Take a look at how United of Omaha’s Income Advantage compares to other carriers’ products. Read more.
Accelerated Benefit Rider Materials Updated for 2018
The Accelerated Death Benefit Rider for Chronic Illness is capped by the IRS per diem limit. Materials have been updated to reflect that the per diem limit will remain the same for 2018. Read more.
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New Products and Enhancements Coming Soon
We are back! Be on the lookout for our improved guaranteed UL rates, a new extended guarantee IUL product, and enhancements to our LincXpress® Tele-App process coming February 12. Read more.
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Quarterly Retail Market Commentary from Dr. Quincy Krosby
Get a market checkup from Prudential's Chief Market Strategist Dr. Quincy Krosby as she offers an outlook on the markets for the first quarter of 2018. Read more.
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Save Time with Ready-to-Go Prospecting
You need more time, we get it. Save a ton of time by using our content that is ready to use with the click of a button. No matter what age your client is, we’ve got tailored content that will work for them. Are they a Generation Xer? A Baby Boomer? A Millennial? No problem. Check out the prospecting tools on Generation Matters to engage prospects in the life insurance conversation.
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Video: New IUL Protect - With Even More to Love!
With our new IUL Protect, we provide clarity with simple, guaranteed protection and straightforward performance. Featuring simple, “no-math”, no-lapse guarantee, the Long-Term Care Services Rider, and extra interest credit. Learn more.
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Webinar: Health Care in Retirement - A Retirement-Income Challenge and Opportunity
Health care during one’s retirement years brings significant challenges when planning for sustainable income he or she cannot outlive. However, if you understand the challenges as well as how the health care system works, you can educate clients with strategies that may assist them with increasing health care costs and longevity. In turn, this can provide significant opportunities for you when advising your clients during the retirement-income planning process. Learn more.
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AM Best Upgrades Financial Strength Rating to “A” (Excellent)
Today, AM Best upgraded our insurance companies’ financial strength rating to “A” (Excellent) with a Stable outlook (third of 13). This upgrade recognizes our strong financial performance and capitalization, consistent business strategy and execution, and is the latest validation of our strength in the marketplace. Read more.
Webinar: High Net Worth Foreign Nationals
You are invited to join Bill Crane, VP of Advanced Markets at Global Atlantic, for an informative and interactive discussion on Global Atlantic's Foreign Nationals guidelines and life insurance opportunities in this growing market. Learn more.
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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.
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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.
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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:
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Annuity Fact Finder
Click here for a great Annuity Fact Finder
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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.
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- 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.
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Updated Guidelines for Policy Dating and Premium Drafts
We have updated our policy dating guidelines to allow for more uniform processes and provide more options for your clients to maximize the value of their policies. In turn, the policy effective date and your client’s choices of draft dates or back dates may affect the timing and amount of premium drafts. To help you guide your client through their options, we have created an overview of guidelines by product type. Please click the link below to view, and contact your AIG representative or case manager if you have any questions. Read bulletin.
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Leading-Edge Underwriting Advantages
New financial and medial underwriting updates to meet your clients’ needs. View updates.
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Updated BGA Underwriting Requirements Guide
Attached is our newly updated BGA Life Underwriting Requirements Guide. New features in the underwriting guide include Intelligent Underwriting Process and Competitor Match Program. Also attached is our BGA Quick Reference Guide which outlines how to submit quick quotes, trials and formal applications.
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