3 Mark Financial, Inc.

8/08/2018

Join Joey Ussery, CLU, ChFC, LUTCF Regional Director John Hancock Insurance

Retirement Income "Backstop"

Help Eliminate the Risk of Outliving Assets in Retirement

Webinar Later Today at 3:00 pm central

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. 

Knock Knock… Who’s There? AIG GUL

Seems like some of you may have forgotten about our competitive Secure Lifetime GUL 3, available nationwide and in the state of NY.  Here is a quick refresher. 

 Pairing Clients to IUL Strategies

Helping clients select their ideal index interest crediting strategy may seem a little daunting. Read through this new flyer to help pair the right client with a matching strategy based on historic market performance. 

Upgrade Their Ride

For the same Guaranteed Universal Life premium, you might be surprised by what a protection-focused IUL can provide. Upgrade your client’s ride with IUL. Same premium.

Market Insights: Strongest Growth in Years

Second quarter real gross domestic product (GDP) growth came in below expectations at a seasonally adjusted annual rate (SAAR) of 4.1 percent. Still, this was the fastest pace since the third quarter of 2014. On a less volatile year-over-year basis, growth accelerated to around 2.9 percent, the fastest pace in three years.  Read more in this week's report. 

Order Printed Marketing Brochures Today

Help your customers understand the importance of buying insurance from a highly-rated, financially strong company. Our financial strength brochure has been updated and is available for order in limited quantities. And skip the legal speak when explaining term life insurance. Life insurance is about protecting the people or businesses who financially depend on your clients. This printed booklet can help explain (in consumer-friendly language) why term insurance from Legal & General America may be a good option.

Dynamic Duo - Now on iGO!

Underwriting Decision in Minutes

• No Medical Exam
• eApplication
• Police eDelivery

Product Materials Veiw Materials

Sage Term Updates Download PDF

Accumulator IUL Case Study: Life Insurance Protection With Potential for Future Income

Meet John, a 52-year-old highly paid executive who wants to ensure that his children’s education plans aren’t interrupted should he die prematurely, while also adding a potential source of future retirement income.

In a new case study, see how this father of two with a need for college funding protection and tax-efficient alternatives for generating additional income in retirement chose Symetra’s Accumulator IUL indexed universal life insurance to help meet his goals.

Why Low Policy Fees Matter

Clients are more likely to get the cash value they expect with a Protective Indexed Choice UL policy because we use a realistic rate and keep the policy fees low. A more realistic approach to IUL. It’s as simple as that.  See how we stack up. 

Affordable Term for Business Owners

Offer business owners competitive rates for Lincoln LifeElements® Level Term coverage for age 30+ with these advantages: Increased capacity for key person coverage; Autobind limits up to $60 million, ages 75 and under; Concierge underwriting with the same dedicated team working on your term and permanent business; and Reinsurance capacity for coverage amounts of $100 million+. See how we stack up. Protect the future of your business case study.

Charitable Planning with Life Insurance

Combining charitable planning solutions with life insurance allows individuals to support causes that are important to them, while also leaving a lasting legacy. See our recently updated, client-approved  Charitable Planning Client Guide for a comprehensive overview on charitable planning, as well as this  new underwriting flyer, which gives you insights into what our underwriters look for on these applications, along with some case studies.

 Accumulation IUL Has a Clear Competitive Edge over Pacific Life’s PDX

Both John Hancock’s Accumulation IUL and Pacific Life’s PDX can provide highly competitive income solves at higher illustrated rates. But what if future performance is worse than expected? See how Accumulation IUL has the competitive edge.

New Vitality Talking Point Flyers

John Hancock Vitality offers tremendous value for your clients, while helping you build stronger relationships, generate more referrals, and increase sales opportunities.  Use this new flyer to help get the Vitality conversation started with your clients — at all stages of their lives. Take a look at the key reasons why John Hancock Vitality can help you grow your business.

John Hancock Vitality Makes its Way to the U.S. House of Representatives

John Hancock Vitality was recently featured in a speech by Rep. James McGovern (D-MA) before the U.S. House of Representatives. He spoke of how innovative solutions like this are having a positive impact on the health and nutrition of Americans. Watch the video on YouTube. 

 New developments in “Intergenerational Split-Dollar” Cases

In June 2018, there were two similar rulings in Tax Court cases dealing with so-called "intergenerational split-dollar" arrangements. Each of these rulings are fully discussed in the July 2018 edition of John Hancock Central Intelligence, and in our recent  Advanced Markets Blog post. We will continue to follow these cases closely, and will report any further information as it becomes available.

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.

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.

Updates to LTC Product and Underwriting Guide

At Mutual of Omaha, we strive to bring you the most updated underwriting information. This is to notify you of upcoming changes to the LTC Product and Underwriting Guide.  Read 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.

With Our Accelerated Underwriting, There Are No Red Lights! 

Discover how SBLI’s Accelerated Underwriting process helps your agents with improved rates, guaranteed AU for everyone, and no medical exams. Period. No Medical Exams. Period. Because no one, age 18-60 is excluded , no matter the risk class, for $500,000 or less term insurance, our AU process helps maximize your agents’ time!  Learn more.

L Smooth Sailing Underwriting: Simple. Easy. Transparent. (repeat entry)

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.