3 Mark Financial, Inc.

3/14/2018

Join Marc G. Glickman, FSA, MAAA, LTCP as he introduces

EssentialLTC from National Guardian Life Insurance Company

Recognizing a need in the Long Term Care Insurance (LTCi) market for a forward-thinking, innovative and stable long term care product, National Guardian Life Insurance Company (NGL) created EssentialLTC - a consumer oriented competitively priced LTCi product. Given that each situation is unique, EssentialLTC offers customizable plan features that appeal to a wide range of clients.  

Webinar Later Today at 3:00 PM Central

Advanced Markets Minute: New Estate Tax Laws

Welcome to a special edition of the Advanced Markets Minute. Today we continue our analysis of the new tax laws with a look at the new federal estate tax exemption. Learn more. 

Video: More to love with IUL Protect! (repeat entry)

Learn why your clients will love our new IUL Protect enhancements – and see some characters you may recognize! Watch the video to find out more.

Updated e-Pocket Tax Table

Attached please find an updated tax table from the Pacific Life Advanced Design Unit.

Podcast: Would Your Clients Say They Have a Purpose For Their Wealth?

Listen as Randy and Alan discuss the evolution of Alan’s life insurance practice to become a planning practice with a very specific mission. Alan helps families design legacy plans that are values-based and meaningful to them. This discussion includes details of how Alan works with clients and families to uncover the purpose they envision for their wealth into the future. These conversations go far beyond the multi-generational family legacy plan to bring families to a new place, together, as they plan. While it takes significant experience and credentials to do this type of legacy planning, there are still tips that could be applied to your practice. The information Alan shares might be useful in your own legacy plan or you may learn from the way he opens conversations with clients about their goals and what is meaningful to them. Listen at advancedsalesinsider.com or listen/subscribe in iTunes or Spotify.

The Tax Cuts and Jobs Act of 2017: Opportunities for Individuals and Businesses 

The Tax Cuts and Jobs Act continues to provide an opportunity for financial advisors to explore ways to help their clients.  Read more.

A Single Deposit Solution that Pays Premiums Over Time

PruLife Index Advantage UL® is the first product to offer our new Premium Deposit Account. Learn more.  

Lower Cost, New Bonus for IAUL

PruLife Index Advantage UL® enhancements make it even more attractive and competitive. Learn more. 

Insurance Planning for Women

Women represent a multifaceted segment of the financial planning marketplace yet they are often under insured or uninsured. With tomorrow’s celebration of International Women’s Day, there is no better time to consider this powerful segment of the market. View tips that can help you uncover new opportunities. Log on to JHSalesHub to access social media tips and prospecting materials. 

John Hancock Vitality Producer Bonus

Vitality rewards your clients, and we’d like to reward you. Sell any of our permanent life insurance policies with Vitality and we'll bump up your current compensation by 10 points. Learn more. 

March 2018 Central Intelligence

Click here for updates on a District Court decision on Purchaser’s Interest, IRS rules on Trust Reformation, and more. 

Consistent, Competitive Pricing = New Rates!

At all ages, classes, amounts, and durations, OPTerm pricing* for Banner ranks #1 - 78% of the time. For William Penn, pricing ranks #1 - 87% of the time. New rates include a mix of decreases and increases. Only 8% of rates increased.  Learn more.

Accidental Death Marketing Campaign

In 2017, Legal & General America launched a new customer marketing initiative, offering a new coverage option to current policyholders. Specifically, the offer gave select policyholders the opportunity to purchase an Accidental Death (AD) policy with no evidence of insurability. Following the three campaigns launched in 2017, we’re pleased to announce that we will be rolling out another campaign within the next two weeks. As with the previous campaigns, this one will be handled entirely from our home office — with little to no effort or expense on your part!  Learn more. 

Podcast: Get the Breakdown of the 2017 Tax Law

Anne Meagher and Tom Duncan form Nationwide Advanced Consulting Group cover both the individual and business tax law changes and offer insights into the topics advisors need to know. Click here to listen now. 

Help Clients Through This Tax Season

Your clients see you as a trusted partner, so help them through this tax season. View and share key information on federal income tax rates, deductions, exemptions, contribution limits, and gift and estate taxes with these 2018 tax resources. 2018  Tax Planning Guide. A look at the 2018 tax landscape. Your 1040 Tax Form Guide.  

Tasty Targets

Pi day arrives on 3/14; celebrate now by slicing into our higher target IUL products… That’s potentially a bigger piece of pi(e) for you and enhanced benefits for your clients – as compared to other UL products. IUL Comparison.  

Shocking Results May Occur

Work alongside your clients to complete the new “Personal Plan Workbook.” The results may be shocking enough to spur them into insurance changes. We even have helpful tips to enhance your discussion! Create a personal plan.  

Don’t Splash and Burn

Learn how to better fill your client’s need with Videos, infographics, worksheets and more... Ready for you to drink up! Share the video below, or visit www.RetireStronger.com/campaign for more resources. Video: How Much For Me? 

Term Infographic

Unlike most Term insurance policies, we offer more than just 5-year increments. With Select-a-Term, clients buy just what they need, saving them money. Term Infographic. 

Tax Code Has Changed

The Tax Cuts and Jobs Act of 2017 has modified tax provisions for individuals, small business owners and corporations. We've put together a comparison resource to help keep you up to date with what's changed.  

Prospecting: Reshape Their Image of Life Insurance

Start with our “Life Insurance 101” training to help paint a valuable picture of life insurance. Further visualize how it helps protect clients’ hard earned assets by sharing our “Living Benefits” video. Then use our calculators and tools to construct their ideal coverage. It’s all included in our Life Insurance Sales Essentials Campaign in a Box.

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.

How Your Clients Can Save on LTCi Premiums

MutualCare Solutions policies offer several premium allowances to help make LTCi more affordable for your clients. Be sure to mention these cost-saving allowances.  Read more.

New MoneyGuard Resources Guide

Attached you will find our brand new MoneyGuard Resources Guide for distribution to your downline agencies.  This piece features information on everything from co-branded material opportunities to details on supporting specialty markets.  It contains maps for regional support and details on email campaigns.  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.  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:

• DOL Fiduciary Rule Delay FAQ
• Understanding Your Fiduciary Obligations

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.

Improved Internal Replacement Process

Effective March 7, 2018, we are updating our process for internal replacements, making it easier for the customer and the agent. Learn more

Fast App Product Selection Now Available for All iPipeline Users

Effective Monday, February 26, the Fast App product selection became available to all iPipeline users for Prudential term business.  Read more.

Principal Announces Improvements for submitting life business.  Learn More

Exceed Your Clients’ Expectations with Intelligent Underwriting from Nationwide

Nationwide Intelligent Underwriting offers a great opportunity to bolster your client relationships. Respond immediately to your client's life insurance needs by delivering fast and seamless underwriting experience. Help your clients better understand how Intelligent Underwriting works with this client guide. For FAQ's on Intelligent Underwriting process click here. 

Introducing SBLI’s New E-Policy Delivery Process (repeat entry)

On Thursday, April 12, 2018 SBLI is launching a new e-delivery process, providing you with a quicker, easier option, for the delivery of your clients’ policies. We have partnered with DocuSign®, the global leader in eSignature, to bring you this great new system. Please note your agency will be automatically set-up for e-policy delivery unless you notify us otherwise.  Learn more.