3 Mark Financial, Inc.

6/13/2018

Planning Opportunities With Foreign Nationals & Premium Financing Do's and Don'ts

Please join Rany Zipse, JD, EAP Vice President Advanced Markets at Global Atlantic Financial Group as he discusses two of the planning topics of interest to producers working with high-net-worth clients.

Register now for this webinar which will be held later today at 3:00 pm central.

Your Clients Get More with our Extra Interest Credit

Interest rates are rising. That means, your clients get more! We are pleased to announce that our Extra Interest Credit, available on IUL Protect, has just been increased to .50% – up from .25%. So, your clients get double the direct cash value delivered to their account, on top of their index return.  Learn more. 

Lower Rates for Two Products

In February, we announced our cool new Term Life Answers rates; and, in April, we introduced our sweet new Life Protection Advantage IUL rates. Have you checked out these newer, more competitive rates yet?  Learn more.

Get Faster Decisions on Term Life Answers Drop Ticket Apps

Have you been submitting Speed eTicket (Drop Ticket) applications for Term Life Answers? If not, you are missing an opportunity to take advantage of our Accelerated Underwriting program for TLA and get faster decisions for your clients.  Learn more.

 Help Your Clients Plan for Health Care Risks in Retirement

An Income Advantage IUL policy helps clients by providing a source of supplemental retirement income. It also includes a rider that allows clients to take a portion of their death benefit early for chronic illness.  Learn more. 

Effective Today: Lower Pricing on UL Protector

We’re excited to announce reduced rates on UL Protector, which provides clients with the same great death benefit option at a lower cost. Average rate reduction of 3%, with no rate increases or changes to single-pay scenarios.  Read more.

Too Much ‘G’ in Your GUL? Look to IUL

GUL and IUL are built on the same chassis. So why do you sell GUL? Because it’s guaranteed, it’s permanent and it’s easy. Let us help you make the IUL sale as easy as GUL. Learn the story that will uncover valuable new paths to IUL sales!.

Our New Guaranteed Protection IUL is Moving to New York

We’re excited to announce that we’re adding to our New York life insurance portfolio so your clients can have the financial protection they need.  Learn more. 

Lincoln’s Monthly Market Overview

Click here for a brief client-approved recap of Lincoln's observations on markets and volatility for May 2018.

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. 

How Index Caps and Participation Rates Impact Policy Value

Index caps and participation rates are primarily affected by two factors: investment yields and hedging costs for participating in the index strategies. Symetra does not invest directly in the equity indexes to support your index-linked crediting strategy. Instead, Symetra uses a hedging strategy that purchases option contracts on the selected index. If the index has a positive return over the specified term, the option contract has a positive value which is used to support your index strategy’s interest crediting rate. Read more.

Accumulation IUL Now Available in California

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. Learn more about Accumulation IUL '18, now available in California!

 Accumulation IUL Webinar Replay

Ready to learn how we’ve made Accumulation IUL one of the most competitive products in this space? Listen to our experts discuss Accumulation IUL’s updated indexed account suite as well as the much improved income solutions.  Listen Now.

 Giving Your Clients Two Vitality Options

Now there are two options that your Term clients can choose from to reduce their premiums and earn rewards for living healthy with John Hancock Vitality. Learn more.

 June 2018 Central Intelligence

Click here to read the latest issue of Central Intelligence, brought to you by the John Hancock Advanced Markets team.

 WEBINAR: Vitality – The Life Insurance that’s Taking the Industry by Storm!

Ready to help your clients live longer, healthier lives, while building stronger relationships, generating leads and growing your business? Learn why John Hancock Vitality customers love their life insurance and recommend it 2X more often than traditional life owners, and why almost 9 out of 10 prospective buyers say they would purchase it over other ordinary life products. In just 20 minutes, you can learn how this innovative solution could change your life and your clients' too! Plus, we’ll tell you about the program’s exciting new enhancement. Sign up today!

What Does the Autobahn Have to do with Life Insurance?

While you should probably have a life insurance policy if you choose to drive in a lane with no speed limit, like you can on the autobahn, you can also use the autobahn as a metaphor for an illustration using the max illustrated rate. Check out this new Spotlight on Sales piece that shows the effect of choosing different illustrated rates on the competitiveness of Lifetime Builder ELITE, a life insurance policy built to perform at any speed!

More Growth May be Possible in this Market. Show Your Clients Why.

Current economic indicators suggest that we're in the late expansion phase of the business cycle - and that it isn't over yet. View this 35 second client-approved video to help your clients feel confident about our current market environment. Use our Portfolio Builder tool, powered by Morningstar®, to design a portfolio with one of our best investment lineups ever, available in the Nationwide® VUL Accumulator and Nationwide VUL Protector.

 New Tool Makes it Easy to Explain IUL for Income

Our new Nationwide IUL Accumulator Quick Estimator lets you prepare a quick estimate of the premium needed to reach a target income goal. It's online with a 3-page print-out you can share with clients. Click here to try it today.AI

 The Advanced Sales Journal

Brought to you by the Advanced Consulting Group of Nationwide, the Advanced Sales Journal will help you stay current on industry trends, tax rules and regulations, and planning techniques. Click here to read the current issue for insight on potential problems for BOLI/COLI life insurance, charitable planning opportunities under the new tax law, and more.

Weekly Economic Review and Outlook
Interest rates back up as news settles. After touching the highest levels since 2011, the 10-year Treasury note yield fell sharply in reaction to emerging geopolitical risks and concerns about rising tariffs and the possibility of a trade war with key partners. From a peak of 3.11 percent on May 17, the yield crashed to 2.77 percent less than two weeks later. Read more in this week's report.

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.

Caregiving Can be a Part Time Job. Are Your Clients Prepared?

As the population ages, chronic diseases like Alzheimer's are on the rise.  And more of your clients may be providing unpaid care for family members now - or in the future. Find out how caregiving could affect them and their loved ones, according to a recent Securian Financial survey. Start the conversation about long-term care (LTC) planning today!  Learn more.

Traditional LTCi…It Still Fits!

If you've ever tried wiggling into a pair of skinny jeans, you know some things just aren't right for everyone. But a traditional LTCi policy is still a good fit for most people. As you compare planning options for your clients, consider the advantages of traditional LTCi. 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.

Easier Underwriting. Happier Clients.

Nationwide® Intelligent Underwriting1 is a streamlined approach to the life insurance application process designed to provide your clients with coverage when they need it. It's a faster, more efficient underwriting process that reduces the time to reach an underwriting decision and minimizes the number of attending physician statements needed. BGAs can now access the Intelligent Underwriting process through a new paper application form bundle — download our 'how to' guide here. Learn how Intelligent Underwriting can help your clients by viewing our video or downloading our process guide.

Reminder: EFT Commission Payments

Reminder: New commission payment options make getting paid easier and faster!  Click here to learn more.

Changes to Lockbox Addresses

Legal & General America’s Lockbox processing has moved from Georgia to North Carolina. Rest assured, payments sent to the old Lockbox addresses will be forwarded to the new addresses for handling.  Learn more. 

Rolling Out the Red Carpet for High-Profile Clients

Pro Athletes and high-profile clients often need special treatment. We offer a white glove, confidential and simplified service for these clients.  Learn more.

Submitting Book of Business Requests via PruXpress to Access Inforce Policy Information

Prudential is committed to providing current client listings for inforce policies to help you maintain and grow your business.  Read more  

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.