3 Mark Financial, Inc.

7/18/2018

Join David Bond Regional Marketing Director, as he discussed 

Lincoln Money Guard Solutions

Webinar Later today at  3:00 PM Central

Topics discussed will include:

• Long-Term Care Awareness including cobranded marketing materials 
• Lincoln MoneyGuard Solutions
• Lincoln Concierge Care Coordination
• Get to Know the Process from underwriting to prospecting
• Women & LTC
• Caregiving and Alzheimer's

Helping Parents Pay for LTC

By using IUL Protect and our Long-Term Care Services℠ Rider in AXA's Generation CarePlan, family members can come together to share the costs of a policy that can help pay for long-term care expenses, if needed.  See the concept in action. Read the FAQs.

PruLife UL Protector—Lower Priced, More Competitive

We’re excited to announce reduced rates on UL Protector, which provides clients with the same great death benefit at a lower cost.  Learn more.

Life Insurance Sales to Qualified Plans

We have recently revisited our position on the sales of life insurance to qualified plans. Read more.

Coming Soon: eSubmission, PruFast Track, and eDelivery Updates 

Prudential is excited to introduce several new electronic capabilities in the coming months to simplify and enhance the customer and producer experience.  Read more.

Help Business Clients Protect Their Most Important Asset - Their Key People

A key person life insurance strategy is an important way for a business to protect itself against the loss or extended absence of a key employee. This type of plan is easy to set up and simple to administer and should be considered by any business whose day-to-day operations and long-term success would be jeopardized by something happening to one of its key employees. Click on the new client snapshot and advisor companion to learn more.

Questions About the New Critical Illness Benefit?

Get all of your frequently asked questions about the Critical Illness Benefit answered with this new flyer.

Protection IUL Offers So Much More

See how Protection IUL along with our unique living benefits can offer more customer value for a lower premium. Learn more.

Accumulation IUL - Much Improved Income Potential

Accumulation IUL is more competitive than ever, providing strong cash value accumulation potential for supplemental retirement income. And together with John Hancock Vitality, Accumulation IUL can offer your clients even greater retirement income potential, while earning valuable rewards for living a healthy life. Learn more.

Prospecting with Vitality is Easier Than Ever

Visit our new Prospecting section on JHRedefiningLife.com for easy access to the materials you'll need to promote John Hancock Vitality to your clients. You’ll find prospecting emails, promotional letters, seminar presentations and more! Now, it’s easier than ever to expand your sales by marketing John Hancock Vitality. Read more.

Is Split Dollar Dead?

Please join Caroline McKay, JD, AVP, Advanced Markets Counsel for a 20-minute webinar on Monday, July 23 at 2:00 P.M., EST, where she will provide an overview of two recent Tax Court rulings – Cahill and Morrissette – as well as explore the future of split dollar.  Register here.

July 2018 Central Intelligence

Click here to read the latest edition of Central Intelligence from the John Hancock Advanced Markets team. In it you’ll find updates on recent tax court rulings, a State Supreme Court ruling on state taxation of foreign trusts, and more. 

Add More Value with New Rewards from John Hancock Vitality

Now, for the first time, your John Hancock Vitality clients can get rewarded for taking care of their minds, as well as their bodies with the new HealthyMind benefit. Learn more.

What’s the Right Insurance For Your Client’s Life Stage?

Each stage of your client's life can provide an opportunity to help determine their future life insurance needs. Our new advisor flyer explains the different life stages and how you can help your clients with their life insurance needs now and in the future. Learn more.

Protection from Loss of a Key Employee

The stay bonus is an agreement that can help retain key employees in the event of the death of an owner of a business. Point advisors to the prospects they're looking for with the

Stay bonus business profile. Find this and other protection from loss of a key employee strategies on the Key Person Protection page of the BOLD microsite.

Lincoln is Expanding our Term Competitiveness

Lincoln LifeElements® Level Term now has competitive rates for clients ages 30+ who want coverage of $1 million or more for all term periods, and continues to have competitive rates for ages 55+, $500,000 coverage. See how Lincoln stacks up.

Monthly Market Observations

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

Improving Risk-Adjusted Portfolio Returns Using Life Insurance

Chris Kaplan, AXA Vice President of Specialty Markets & EPG Sales, builds upon his Annual Meeting presentation. To learn more, read the white paper or listen to the podcast

Market Insights: Inflation Signs Mixed

Signs of inflation were mixed in June. Producer prices accelerated faster than expected while the change in consumer prices slowed (probably from one-time price declines in a few specific product areas). Imporantly, however, both readings are well above the Federal Reserve’s goal of 2 percent inflation. Further, a decline in import prices muddied the inflation picture even more.  Read more. 

Today is the Day!

Lifetime Foundation ELITE is now available to solve your client's protection-focused needs. Learn more about Lifetime Foundation ELITE at globalatlanticlife.com/latest. 

Cool Off this Summer with Fresh New Rates

Legal & General America - June 26, 2018 OPTerm Rate Change:

At all ages, classes, amounts, and durations, OPTerm pricing for Banner ranks #1 - 78% of the time. For William Penn, pricing ranks #1 - 72% of the time.  Learn more.

Finally - an IUL That’s Easier to Sell

An IUL with guarantees and cash value. It’s as simple as that. Your agents can offer clients an IUL policy that they can readily understand.

Protective Indexed Choice UL keeps it simple with:

• A guaranteed death benefit*
• Cash-value potential that’s tied to only one market index
• 0% floor rate, so policies never lose value due to negative index performance

Share the simplicity.

Test-Drive New Enhancements on IUL

Max Accumulator+ just got a performance boost Experience our all new:

• Decreased premium loads
• Increased distributions
• Global index strategy option
• Winflex illustration features
• Revamped marketing materials

Review our detailed product Bulletin 18-093 or sign up for one of our upcoming LIVE audio or webinar training sessions.

Advanced Markets - Selling Permanent Insurance for the Next Time Around

We’ve all heard the objection.  Why buy permanent insurance when I don’t think that I will need life insurance after my earning years?  After all, permanent insurance can cost a lot more. But does it? Read more.

Help Clients Preserve Their Estate with the LTC Rider

Our new LTC Rider was introduced July 1st. The Help Preserve Your Client's Estate sales idea examines the impact long-term care services can have on a client's estate using two contrasting scenarios.

Help Clients Prepare for What Comes Next

Our new What Comes Next in the Application Process brochure helps you prepare your clients for what to expect after their fully-underwritten application is submitted.

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.

Help Clients Understand the Costs of Long-Term Care

Our Cost-of-Care Survey provides state-by-state average costs; and, our new calculator helps you estimate future costs. This information will be valuable as you market our new LTC Rider. Read more. 

Mutual Care Solutions Offers Two Ways to Get Cost-of-Care Information

Check out the new LTC cost-of-care calculator and simplified book. Read more.

The Lincoln Life Leader

Click here to read the latest edition of The Lincoln Life Leader for updates on MoneyGuard II, new enhancements to pending status, and more.

It’s Here: More Control, Faster Turnaround, Greater Customization for MG II

Beginning July 9, Lincoln will give you greater control over your Lincoln MoneyGuard II application experience with an enhanced Lincoln MoneyGuard submission process.  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. 

 Webinar: What’s New with Symetra’s Underwriting 

Look to the future with Symetra’s underwriting team. You’re invited to a special webinar highlighting our biggest underwriting enhancements and initiatives! Join our life underwriting leadership team, Mary Bates, John Valickus and Kathy Fell, as they review what’s new with Symetra’s underwriting.  Read more.