3 Mark Financial, Inc.

4/25/2018

The Power of Quality of Life

With Trevor Keeple, Director of Product Training AIG

Webinar Later Today at 3:00 pm Central

Your Clients Want Raises - Even in Retirement

With many of your clients facing 30 years or more in retirement, they're concerned about how they'll afford everyday expenses with no more pay raises once they leave the workforce.1 Lincoln variable annuities with i4LIFE® Advantage was created with these concerns in mind and have the potential to increase income in retirement. Read more. 

The Lincoln Life Leader

Click here to download the latest edition of The Lincoln Leader to learn what’s new in the world of foreign nationals, the newly available Advanced Markets Resource Center, and more.

Celebrate the End of 2017 Tax Season!

Last week marked the end of the 2017 tax season for many. Use your clients’ tax returns and the 1040 Kit as a way to uncover life insurance planning opportunities. Pair this discussion with our Tax Diversification Client Guide to further highlight the benefits of well-diversified portfolios. Logon  to the AM Blog to access up-to-date resources to help with income and estate tax discussions today!  Download 1040 kit. 

John Hancock Vitality with Apple Watch video

When your clients buy life insurance with the John Hancock Vitality Program, they can earn an Apple Watch Series 3 for as little as $25! It's a great way to provide them with motivation to live a healthy life and a tremendous sales opportunity for you. Share this video with your clients.

 Protection UL - Shift Gears as Needs Change

John Hancock’s Protection UL provides affordable death benefit coverage for your clients, plus lower premiums and access to competitive cash values should their insurance needs change in the future. Download Flyer.

 John Hancock’s Living Benefit Riders - Offering Greater Coverage Across the Board

Take a look at how Protection UL can offer your clients more protection with our Long-Term Care rider and new Critical Illness Benefit rider – all for a competitive premium!  Read More.

 Advanced Markets - Now is the Time to Review Income Tax Withholding

The Tax Cuts and Jobs Act of 2017 could have a great impact on 2018 taxes, and if taxes are not properly withheld, you could end up either owing money to the IRS or even worse – withholding too much and essentially giving the IRS a loan that earns no interest. For those who may see some tax savings, this blog explores some of the opportunities to use the refund to fund some of the life insurance your clients need. To learn more and stay up-to-date on latest industry news please logon to the AM Blog. Check back frequently as new articles are posted often!

New Opportunity to Get Your Cases Approved Faster

We are now offering non-medical underwriting on Max Accumulator+. Don‘t waste time; apply for non-medical underwriting on certain IUL and VUL policies now! Who wouldn’t want a faster, and more convenient path from submission to approval?  Route to Non-Med. 

Our IUL Philosophy: Simplicity and Transparency

We don't believe that confusing crediting strategies are needed in order for your clients to have upside potential. Learn how Life Protection Advantage IUL and Income Advantage IUL offer upside potential while remaining client-friendly. Learn more 

Term Life Answers

Make the move to Term Life Answers for needed protection at competitive premiums.  Learn more

New Consumer Marketing Materials

We've created new consumer flyers and social media graphics focused on women. Find social content here. Find the flyers here: 5 Reasons It's Smart for Women… Stay-At-Home Mom Infographic.

Goldman Sachs’ 4 Key Catalysts for Rising Interest Rates

Experts at Goldman Sachs have provided their outlook for interest rates in the future. Learn why they think these four catalysts are the keys to additional increases. Want more details? You can watch the Goldman Sachs webinar to learn what rising interest rates could mean to your clients and how our new IUL Protect life insurance policy was designed for just such an environment. 

Economic and Financial Markets Monthly Review

Despite trade war fears that roiled financial markets, consumers bought cars at an increasing pace and business activity was strong – evidence that the expansion continues to be solid. A combination of enacted tariffs, proposed tariffs, fears of an all-out trade war, and Fed tightening pushed equity markets lower for a second consecutive month in March.  Read 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.

Include LTCi in Retirement Planning

It's important to tell clients about using long-term care insurance to protect their retirement income. Here's how to help them understand the retirement advantage of an LTCi policy.  Read more. 

LTC Underwriting Guide Updates

At Mutual of Omaha we are always looking for ways to support your sales efforts and improve our processes. Do help accomplish this, we have revised the MutualCare Solutions Underwriting guide with the most updated information about uninsurable medications and updated medical impairments and requirements. The new guide will be available to order on April 18 and updates are effective on May 1.  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.

UW Race Rules & Map

Make sure you’re keeping it “street legal” and moving in the right direction by reviewing our detailed Non-Medical Underwriting Guidelines for Max Accumulator+ - with FAQ included!  Learn more.

Quick Tips for Faster IUL Processing

Follow the signs to accelerated processing for Non-Medical Underwriting on Max Accumulator+. Available via AG Quick Ticket® or traditional paper.  Read more.

SBLI New Product Updates

As you may be aware, we are launching a new, enhanced e-policy delivery system on Thursday April 12, 2018. In parallel, we are also offering a new, exclusive cloud-based storage option to our clients and introducing new business forms on all vendor platforms (ApplicInt, iPipeline, eBix etc.). These enhancements will provide you with quicker, easier processing and a unique service for all of your clients. Further details are provided below. Learn more.

New Underwriting Dialogue: Obesity

Read our new UW Dialogue on Obesity. Add your agency logo and share with your brokers.  Read dialogue.

Faster Underwriting Process for More Clients

Securian's WriteFit Underwriting™ program makes the underwriting process easier and faster than ever before. And we're extending that benefit to more of our clients by increasing the limit to age 60. Learn more.

Underwriting Experience Now Enhanced

To improve the underwriting experience for our clients, we've removed the APS (Attending Physician Statement) requirement for clients up to age 60 and face amounts up to $2 million. In addition, the EKG is no longer an age/amount requirement.  Learn more.