3 Mark Financial, Inc.

5/30/2018

SecureCare a Recently Enhanced Linked-Benefit Froduct From Securian Financial

Don't miss this webinar to learn more about this very competitive linked-benefit product.

• Single-pay AND NOW multi-pay premium payment options (1, 5, 7, 10 and 15 years)
• Four Guarantees
• Long-Term Care
• Death Benefit
• Reduced Paid Up Benefit
• Return of Premium
• Cash Indemnity

Enhancements too numerous to mention so please join us for this webinar on Wednesday June 6, 2018 at 3:00 pm central.

Feed the Need for Guarantees with IUL

IUL is permanent, easy and guaranteed.  Click here to see a surprising comparison on GUL & IUL guarantees, ‘Bridge to IUL’ Series including consumer sales concepts with scripted agent training and more.

Get More for Less

Protection-focused IUL has never been more attractive. Receive solid guarantees plus cash value growth potential for LESS premium than GUL. Learn more. 

Get More for the Same

Pay the SAME GUL premium into a protection-focused IUL policy, and receive similar guarantees to GUL with more cash value potential! Same IUL Premium. 

 Why Pick - Get More from Both!

You can have both valuable cash accumulation plus guaranteed death benefit protection with a combination IUL and GUL solution. Half and Half.

 Survivorship GUL - Rate Increase

Effective July 1st, Secure Survivor GUL II will be re-priced. Premiums will be increasing from 21% to 26% depending on funding scenario, age, gender, underwriting class and face amount. Read the bulletin.

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. 

You Can See Clearly Now with Lincoln WealthAccumulate IUL

Life is easier when your clients can see and understand their options. That’s why our Lincoln WealthAccumulate℠ IUL offers strong cash value growth potential and distribution choices from three indexed accounts with transparent fees and bonus structures.  Learn more. 

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.  Learn more.

Introducing a Growth Platform For You and Your Agents

In an insurance marketplace that offers much of the same we have continued to look for ways to help you and your agents to truly differentiate yourselves. With this in mind, we have recently partnered with LegacyShield to do just that and provide you with an opportunity to increase your revenue stream.  Learn more. 

Updated Term Transition Deadlines

Last week, we introduced new rates on our John Hancock Term products. We have since heard from many distribution partners that the initial transition deadlines were difficult to meet. To help you manage this transition, we are extending the transition dates. Learn more.

 See How the Rewards Add Up - New Term and an Optional Vitality Rider

Premiums can only go down while rewards add up! John Hancock's new guaranteed level Term now offers an optional Vitality rider that rewards your clients for healthy living. No other Term solution offers savings and rewards that can be greater in some instances than the annual cost of the policy.  Learn more.

Accumulation IUL - Looking Good Even When the Market Doesn’t

John Hancock's new Accumulation IUL not only generates strong income amid strong market conditions, but also outperforms many competitors when there are lower market returns. For instance, if the average return is 4%, Accumulation IUL provides competitive retirement income, while the competitors' income solves fall to $0. Take a look at why Accumulation IUL is hard to beat!  Learn more.

TLE Living Benefit Rider Guides

Learn how the No Cost Living Benefit Rider works on Non-ROP Term Life Express, and more.

 Term Life Express Customizable Postcard

Use our Term Life Express customizable, consumer postcard to promote TLE to your clients. Read more.

Quick and Easy - Intelligent Underwriting is Here

While some cases may be less complex than others, they can still be time–consuming to underwrite and process. But help for both you and your clients is now available. Nationwide® Intelligent Underwriting is designed to streamline the overall application process. It's a faster, more efficient underwriting process. Watch video. View process guide. 

ProClassic Legacy Launching April 30  (repeat entry)

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.   

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.

Planning Smart for Long-Term Care

Your clients are working hard to build a nest egg. Do they have a long-term care (LTC) plan in place to protect their assets in the future? Help them plan smart - share this video and start the conversation today! View video. Discuss LTC needs with your clients. Overcoming objections. Hybrid Life/LTC product comparison.

Advanced Markets - LTC Retirement Benefit

Last time we talked about the pitfalls of self-insuring for long-term care expenses. Today we want to discuss an idea for the client who knows he or she needs long-term care insurance but worries about the premium in later years after retirement.  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.

Underwriting Requirements: A Faster, Simpler Process

Our ongoing focus is to continuously improve the speed and efficiency in which your cases are approved. To this end, we have updated how we manage and evaluate the case information that is reviewed by underwriting. We now receipt blood, urine, MIB, MVR and/or RX after the application is “In Good Order for Underwriting.” This update in our underwriting process improves efficiency and reduces the number of follow-ups needed from you. Please note, this does not change how we order an exam, and it does not create extra work for you. For more details plus tips to ensure the fastest possible processing of your cases, see the bulletin linked here.

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.