3 Mark Financial, Inc.

8/15/2018

Join Ronnie Russell, National Sales Manager American National for 

Your Partner For Life!

American National was founded in 1905 and offers a broad variety of life insurance, retirement, and annuity products.

Webinar August 22, 2018 at 3:00 pm central

Podcast: Insurance and Planning for Blended Families

Blended families can have different needs when it comes to financial planning and life insurance. In two special podcast episodes, Randy Zipse has an in depth discussion of ways to approach planning for blended families with his guest, Emily Bouchard. Emily’s wealth of experience in working with blended families may add to your understanding of ways to approach planning for unique families. A leading expert in field of blended family dynamics for fifteen years, Emily has been interviewed for The Today Show, CNN, WSJ, Bloomberg Businessweek and the New York Times. Emily also co-authored Estate Planning for the Blended Family with L. Paul Hood. Listen to part 1 of this conversation at advancedsalesinsider.com or in iTunes or Spotify.

Prudential’s Chief Market Strategist Quincy Krosby’s Quarterly Commentary: "Road to Normal"

Dr. Krosby’s Q3 2018 Commentary highlights central banks proceeding with caution on policy changes, the world watching and waiting amid trade tariff threats, and the Fed determined to normalize interest rates. Learn more.

New Parents Represent New Opportunities

Click through our interactive experience to discover how life insurance can help meet the unique financial needs of new parents. Uncover the opportunity. 

LTC Riders: Reimbursement vs. Indemnity

Our new LTC Rider uses a reimbursement model, while many other companies use an indemnity model. Knowing the difference is important. This article will help you get a better understanding of the two designs. Learn more

Help Clients Plan for the Future with Strong Conversion Privileges

Your clients' life insurance needs change. Term Life Answers has strong conversion privileges which allow their coverage to change with them. Learn more

Cost of Care at Your Fingertips

Talking to clients about the cost of LTC services is an important step in the sales process. Now there's a faster and easier way to get that information. Check out our new LTC cost-of-care calculator on Sales Professional Access. Cost estimates by state are now available at the touch of a button. Our new calculator also gives you the ability to adjust inflation protection options and change the number of years until care is needed to customize information for each specific client. If you still prefer paper, our cost-of-care book has been updated, too. View Cost of Care Calculator. View the Cost of Care Book.

Help Protect Your Littlest Clients

As school starts back up, parents are preparing their kids for a good start to their school year. A Children's Whole Life policy is a great way to get their kids off to a good start when it comes to life insurance. Learn more.

Introducing Nationwide No-Lapse Guarantee UL II

On August 27, 2018 Nationwide will be launching a new life insurance product, Nationwide No-Lapse Guarantee UL II. It offers choice in coverage terms, a return of premium feature, and a best-in-class LTC rider. Nationwide is allowing the current Nationwide YourLife No-Lapse Guarantee UL product to continue to be sold through the end of this year to allow additional flexibility for your advisors and clients. 5 min guide. Case study. Client guide. Product highlights. Launch deck. 

Webinar: Helping Clients Plan a Personalized LTC Strategy 

This presentation will show you ways to have positive LTC discussion with clients, and help them feel more in control of their future should LTC needs arise. We will discuss how to help a client imagine their ideal choice for care services, including “outside the box” care ideas. We will also discuss how various options for funding care may fit in to the client’s overall strategy and how LTC benefit payment choices can fit into a client’s care plan.  Register now

A Guide to Retirement Services

Has it been a while since you used our Retirement Services portion of the Agent Site? It is chock full of useful information just waiting to be utilized. Click here for a handy guide to bookmark for the next time you visit our online portal to Lafayette Life's Retirement Services

Offer Your Clients a BOLD Succession Plan

An effective business succession plan includes a series of strategies that can strengthen and grow a business over time. It can also help a business owner transition their company to someone they trust when it's time to exit. Help business owners turn their hard work and goodwill into value at retirement. View BOLD Business Succession Guide.

Great New Rates Have Hit the Street

This is big: tell your agents about our new rates for cases over $500,000 in all risk classes, with particular appeal to female clients and prospects. #1 70% of the time, #2 28% of the time

 and top 3 99% of the time! Read more.

The Lincoln Life Leader

Click here to read the latest edition of The Lincoln Life Leader for updates on new foreign national resources, loan pay-off using policy values prior to 1035 exchanges, and more.

Affordable Term with Options Millennials Look For

If you’re looking for affordable, temporary protection, you and your clients will like what Lincoln LifeElements Level Term offers, including your choice of submission options with an easy tele-app, and the flexibility to convert to a Lincoln permanent policy.  Talk with your clients about how this product can provide mortgage protection, income replacement and personal coverage for the young entrepreneur.  Learn more.

Product Update: WealthAccumulate Target Premium Increase

We’re pleased to announce that we will increase target premiums by 25% on all sales effective September 10, 2018. We evaluated this product and recognized that we could do more to offer competitive compensation while upholding the consumer value. If you have placed or will be placing business prior to September 10, 2018, you will receive an adjustment to reflect the target increase.  Learn more.

Accumulation IUL – Great Returns Even in Modest Markets

See how double guaranteed multipliers can significantly enhance the credited rate for Accumulation IUL even when market returns are modest.

Protection SIUL – Breaking New Ground in Survivorship Protection

Protection SIUL is already one of the most competitively priced products on the market. See how your clients can save even more by adding the John Hancock Vitality Program.

Protection UL with Vitality – Something for Everyone

From low cost protection and future flexibility, to living a healthier life, John Hancock Vitality has something to offer just about any client – no matter what their priorities are. See how it meets the unique needs of these men and women.

Estate Planning Client-Approved Materials

Producers can use these new client-approved pieces to help their clients gain a clearer understanding of the importance of estate planning. Estate Planning Client Guide. Gifting Client Snapshot. Legacy with a Purpose Client Snapshot.

August 2018 Central Intelligence

Click here to read the latest edition of JH’s Central Intelligence for updates on recent legal rulings affecting tax law. 

The Real Story Behind Our Business

3,605 families and businesses across the United States were the beneficiaries of nearly $840 million in claims last year. Helping people when they need it most is why we're here. Legal & General America is committed to helping you reach and serve the uninsured market. As a trusted term provider, we offer highly-competitive rates that help make insurance more affordable. Our end-to-end digital processes make doing business easier and faster for agents and the buying process better for their clients. Claims infographic.

Coming Soon: Partner Dashboard Login Enhancements

In the coming weeks, we will be introducing new login procedures for our Partner Dashboard. We will be asking all users to create their own specific individual accounts through a short registration process. Within the registration process, we will require multi-factor authentication security for all users to ensure both partner and customer data is secure. Learn more.

Chill Out with Cool Term 20 Rates and Conversion Privileges

Ready to grow your business with more term life sales? We've got the low rates you need on Term 20 and some of the most competitive conversion privileges around. Learn more.

Industry First: Extra Interest Credit

Our IUL Protect offers an industry first – the Extra Interest Credit – that allows clients to benefit from rising interest rates. After two federal rate increases, we doubled the crediting rate to 0.5%. Recent webinars explain more: Making Sense of the Market with Goldman Sachs. Extra Interest Credit in Action with Advanced Markets.

LTC Services Rider Improvements Make It Even Easier to Access Benefits

By accelerating their death benefit, clients can access cash for qualifying long-term care services. And now, we've made improvements to the elimination period and payments to make it even easier. Enhancement Summary. Bulletin.

Comparing Apples to Oranges: Which Rider is Best for Your Clients?

With people living longer than ever before, it's no wonder your clients want to plan for the possibility of long-term care expenses. Compare riders, side-by-side, to learn more. Rider Comparison Flyer. LTCSR - A Critical Component in Business Planning Flyer. LTCSR - Trust Owned Life Insurance Flyer. 7702B vs. 101(g) Riders Whitepaper.

A Simple Guide to Policy Valuation

Policy valuation is a complicated task. AXA Advanced Markets creates clarity with this podcast (30 min.). Be the first to get their latest thought-leadership. Subscribe to our podcasts. 

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.

Helping Clients Plan a Personalized Long-term Care Strategy

This presentation will show you ways to have positive LTC discussions with clients, and help them feel more in control of their future should LTC needs arise.  Click here to learn more and register for the webinar August 30, 2018 at 2:00 pm EST.

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.

Senior Assessment Underwriting Requirement Changes

Effective August 1st, the Senior Assessment will only be needed for clients ages 66 to 70 with coverage amounts of $500,000 to $1 million when the client is applying for the Long-Term Care Rider. Learn more

PruFast Track Underwriting Launching on August 20, 2018

Prudential is excited to launch our PruFast Track program to all firms on August 20th. PruFast Track was developed to simplify the underwriting process by leveraging Predictive Modeling and is available for most single life products at ages 18 – 60 and face amounts between $100,000 and $1,000,000. Read more.

Effective August 20, 2018 – Lower Face Term Submissions Expectations 

Prudential will now expect that all advisors electronically submit a Drop Ticket or Xpress Quick form for any term application with a face amount of $250,000 or less in order to utilize our innovative PruFast Track accelerated underwriting and streamline the new business process. Read more.