3 Mark Financial, Inc.

5/9/2018

Join Roberta Eckert, CRPC, CLTC, RICP as she discusses.

Health Care - Plan for costs in retirement

CE Credit may be availailable for this webinar.  See registration link for details.

Webinar Later Today at 3:00 pm Central

WEBINAR: Critical Illness Benefit Rider — Preparing for What You Can't Predict

Ready to learn about how you can offer your clients a new, innovative approach to critical illness coverage?  With a lump-sum, income tax-free1 payment that's separate from — and in addition to — the life insurance benefit, John Hancock’s Critical Illness Benefit rider can help protect your clients throughout their working years from the financial burden associated with a critical illness. Join our experts for a 20-minute webinar about how our Critical Illness Benefit rider offers clients the protection they need. Register today.

Clearing up the Confusion: LTC and Critical Illness Riders

Logon to the latest AM Blog for a better understanding of how John Hancock's Critical Illness Benefit rider and LTC rider offer distinct types of coverage and can help protect your clients (and their loved ones) through all stages of life.

The Extras on Life Protection Advantage IUL

Learn about the value-added features that Life Protection Advantage IUL offers that many competitors don’t.

Disability Insurance Made Easy

Simple and quick issue DI is here. Learn more.

The Lincoln Life Leader

Click here to read the latest edition of The Lincoln Life Leader for updates on VUL fund updates, a new Lincoln WealthAccumulate IUL coming soon, and more. 

ProClassic Legacy Launching April 30 

On April 30, 2018, Protective Life will launch ProClassic Legacy: a new current assumption universal life policy that offers flexible premiums and cash-value potential. As part of this launch, ProClassic UL will be discontinued on April 30, 2018 with conversion applications discontinuing on June 29, 2018. In addition, ProClassic NY and ProClassic UL with the Enhanced Cash Surrender Value Rider will continue to be available for new issues and certain conversions. Click here for transition rules and complete information.   

Tell the PruLife Index Advantage UL® Story with New Sales Tools

Our recent IAUL enhancements have boosted product performance, making it more competitive than ever before. Read more.

Video: Not Your Parents’ Life Insurance

Today’s clients are more dynamic and diverse than ever before. Watch this short video to find out why generation matters. 

Help Your Clients Prepare, Plan and File for Social Security Benefits

Filling for Social Security is a big decision, and your clients should consider which strategy is right for them. In addition, there are many products to consider that may enhance their retirement income plans. To help your clients develop filing strategies and provide client-ready resources  click here.

Video: IUL That’s Built to Perform

Global Atlantic’s Lifetime Builder Elite IUL is built for performance. It is designed to provide valuable death benefit protection for your clients as well as the potential for strong cash accumulation. Lifetime Builder Elite IUL offers a simple, straight-forward design that performs well in a number of scenarios. Watch now.

A Brand New Day at Securian Financial

At Securian Financial, we're here for family. And we're here because of it. You are a valuable member of our extended family circle. And because family treats family right, we are committed to making your job – and your sale – easier. We value the important role you play in helping clients achieve financial security – and that's why we're excited to announce that we're refreshing our look and investing to build the visibility of our brand beginning in 2018. This significant investment reinforces our commitment to the markets we serve and will help our businesses to better align, unify our customer experience and enhance our brand recognition among consumers. And for you, a more recognizable Securian Financial brand means you can spend less time explaining who we are and more time focusing on your clients' needs. Watch video. 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.

Coming Soon: SecureCare with Multi-Pay

Offer a long-term care alternative that's within reach for more clients. On Tuesday, May 8th, Securian Financial's SecureCare is getting a makeover – with a new look plus enhanced features and benefits. Learn more. 

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. 

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.

Get to the Finish Line Faster

The Lafayette Life iGo e-App® allows you to run an illustration, fill out the application, order a paramedical exam, and submit the application directly to the home office from the Lafayette Life Agent Website. This means more applications submitted in good order, faster underwriting, and quicker speed to issue time. Click here for access to the iGo Quick Start Guide, and get to the finish line faster! For even more great materials like the Quick Start Guide click here.

Commission Statement Enhancement: Downline Reports Now Available

Since launching our new Licensing and Compensation (L&C) administration system, one of our top priorities was to fully restore the ability to view and download commission statements for downlines. This functionality is now available for all of our products! Get details and instructions at  Bulletin 18-006.

Important IOLI and STOLI Reminders

Please review these reminders of our position regarding certain life insurance transactions.

Double the Coverage. When You Need it.

AXA’s Long-Term Care ServicesSM Rider Financial Underwriting Guidelines have expanded. Applicants age 50 and below may be eligible for double the previous monthly benefit.  Learn more.

New Underwriting Dialogue: Obesity

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