3 Mark Financial, Inc.

5/23/2018

Pacific Life Smooth Sailing Underwriting Webinar

Get to Know PL Smooth Sailing:

• Up to $500,000 of PL Promise Term Life Insurance Coverage
• No Medical Exams — No Needles— No Bodily Fluids
• Ages 50–69, Any Risk Class Including Substandard
• One Requirement: Comprehensive Physical and Blood Work Available from Primary Physician Within Last 18 Months
• Simple Application Process: PL Express App Ticket and Client Follow-Up Phone Interview with Voice Signature to Complete the App-Interview That’s it! Simple. Easy. Transparent. It’s PL Smooth Sailing.

Tuesday May 29 at 10:30 am central

Accelerate Permanent Insurance Sales

Cruising on GUL or in gear with IUL already? We’ve got a new sales vehicle revved up and waiting for you... Featuring innovative products, turbo-training segments and high-octane strategies - it’s time to close the lead with AIG! aig.com/IUL. 

 Here Comes the Bridge

Breathe deep and hit the gas – we’ll help you cross from GUL to an entry-level IUL product whether you or your clients are new to the product. For the same premium – or less, we can help you secure solid guarantees, plus enjoy additional IUL exclusive benefits. Shifting from GUL.

 Too Much “G” in your GUL?

The guarantees in GUL and Protection IUL were definitely not created equally, but not how you might think... Check out our illuminating presentation about the “G” factor and uncover valuable new paths to IUL sales! Guarantee comparison.

Catch New Clients

Torque wins races but our IUL sales concepts win clients. Tap into three powerful new approaches, each with a scripted presentation to guide you. Whoa - look out! There went another client... don’t let the next one pass you by.  Catch new clients.  

How’s Your IUL Segment Credited?

Symetra’s Accumulation IUL credits segment performance based on the Beginning of Segment Value, prior to the monthly charges.  This is a significant difference compared to the vast majority of IUL products, which credit performance on the average or ending segment value after expenses.  See the attached PDF.

Get Your Start in a BOLD System

Life insurance can benefit business owners in every phase of business and life. Your business owner clients need a strong carrier they can trust to provide quality solutions that help address their needs now and in the years ahead. We have a turnkey marketing system, Business Owner Life-Stage Design (BOLD) developed to address the needs and concerns of your clients to help you succeed in the business owner market.  Get started.

 Potentially Faster Approval for Orion IUL

When our top-ranked IUL is combined with WriteFit Underwriting, you can get your healthiest clients approved for coverage within 24 hours² – without the hassle of exams or labs! Get started with WriteFit and eApp.

 Now Available: a Long-Term Care Option with Even More Flexibility

Offer a long-term-care insurance alternative that's within reach for more clients. On Tuesday, May 8, Securian Financial's SecureCare Universal Life got a makeover - with a new look plus enhanced features and benefits, including LTC cash indemnity benefits, single and multi-pay premium options and reduced paid-up benefit.  Learn more.

Now Available - Lincoln WealthAccumulate IUL

Click here to read the latest edition of the Lincoln Leader to learn more about WealthAccumulate including Transition Guidlines.

Video and More: Announcing New Lincoln WealthAccumulate IUL

An accumulation IUL that offers transparency and flexibility with a focus on competitive distributions. It’s ideal for individuals and business owners who want options for growth and protection throughout their lives. Lincoln WealthAccumulate℠ IUL can help them meet their needs, providing access to tax-efficient distribution potential throughout their lives. Video. Learn more.

Understanding the Two Sides of Caregiving

The likelihood of needing care or becoming a caregiver is becoming more prevalent in part because Americans are living longer. The face of caregiving, however, is changing with emerging data about the emotional, financial and health-related risks of family caregiving. Providing care can potentially interrupt the careers and lifestyle of affected family members and can impact the level of care one receives.  When you think of your married clients, there’s a good possibility that at least one spouse is going to need care. Without a plan, could the other spouse become the caregiver?  Advisor seminar.  Article: Mom in the Middle. Flier: 10 Reasons. Article: Emotional Aspects of Caregiving

Lower Pricing on UL Protector Coming Soon

We're lowering rates on one of our most popular products to reinforce our commitment to the GUL marketplace.  Learn more.

New Accumulation IUL

With unmatched income potential, strong downside protection and the John Hancock Vitality Program, the new Accumulation IUL delivers more value for you and your clients.  Everything you need to know about AIUL.

 A Term Solution Where Premiums Can Only Go Down

Our guaranteed level Term product now offers an optional Vitality rider — premiums will only decrease when your clients engage in the John Hancock Vitality Program! No other Term carrier in the U.S. offers your clients the opportunity to lower their premiums and earn rewards and discounts for living healthy. Effective today, we are also updating our Term portfolio with new rates.  Everything you need to know about new term.

 Webinar Replay: Legacy with a Purpose

We had a fantastic turnout at our recent "Legacy with a Purpose" webinar.  It was a great opportunity for producers to hear from John Hancock's Caroline McKay, AVP and Counsel about how the combination of life insurance and a special trust can help secure your client's legacy in a way that's affordable, flexible, and tax-efficient.  In case you missed it,  watch the replay!

2018 Retirement Plan Comparison Chart

Have you checked out the Retirement Services 2018 comparitive chart? It includes a break down of key features, details on contribution flexibility, as well as contribution limit information, and more.  See chart.

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.

SecureCare with Multi-Pay is Here

We're excited to announce that Securian Financial has launched an enhanced SecureCare Universal Life (SecureCare). Making its debut last year, SecureCare is a new and improved long-term care (LTC) insurance alternative that now features a fresh look and enhanced features and benefits. Learn more. Other resources. 

A Full-Service Linked-Benefit Team to Help You Make the Sale

We know that your time is valuable and your clients are your top priority. With a competitive life/LTC linked-benefit solution and high-quality service, our dedicated SecureCare team is here to help you make the sale by providing you with customized case design, help with product proposals, and answers to any questions you may have.  Learn more.

LTC Self-Insurance or Self-Delusion?

When it comes to planning for long-term care expenses some clients say they don’t want to buy insurance but want to pay the cost of care out of their assets, or self-insure. They probably don’t self-insure against auto accidents, or against home fires or other risks, but somehow self-insuring against the risk of needing long term care sounds economical to them. Aside from the obvious financial leverage of insurance, and assuming that your client even has the assets to truly self-insure, there are six reasons a long term care policy makes more sense than self-insuring.  Read 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.

PL Smooth Sailing Underwriting: Simple. Easy. Transparent.

Are today’s ‘black box’ fluidless underwriting programs causing you to lose credibility with your clients? Avoid the embarrassment! Fluidless underwriting offers should be predictable and easy to explain.  Get to know PL Smooth Sailing Underwriting. 

Get it Fast with Non-Medical IUL

Non-medical Underwriting on Max Accumulator+ features a purchase process that is simpler for your client, faster for us to support, and easier for you to complete!  Learn more.

Resting EKG Eliminated for All Age and Face Amounts

Exciting news from the Underwriting department at Lincoln Financial Group,  effective May 14, 2018, we’re pleased to announce the elimination of the Resting EKG requirement for ALL age and face amounts for your permanent and term life insurance cases. If labs are ordered for Lincoln, a ProBNP lab test will be completed, which eliminates the need for a Resting EKG.  If labs are received from another carrier, and are over 30 days old without a ProBNP value provided, a new lab test or a Resting EKG (completed within the prior 12 months) will be requested.  Leading Edge Underwriting Flyer.