3 Mark Financial, Inc.

8/22/2018

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 Later Today at 3:00 pm central

AIG Recognizes 3Mark Financial as #1 BGA in 2017

Bill Propper, President of 3 Mark Financial, was recently recognized for leading his agency to be the most productive BGA for AIG in 2017. 

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.

Podcast: Part 2 of 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.

An Additional Planning Option for Younger Clients

Some of your younger clients may put off their long-term care planning. An indexed universal life insurance policy with a long-term care rider might be an additional option they want to consider. Read more.

Life Protection Advantage Offers Protection Through Life

Learn about the recent updates that make Life Protection Advantage IUL a product that's worth illustrating for your clients. Read more.

Eliminate the Wait with our Simplified Issue Portfolio

A fast turn-around means your clients can get on with their lives and you can move on to helping your next client. Learn more about what's included in our Simplified Issue Product Portfolio. Read more 

Learn More About Addressing Risk with Balance, Agility and Focus

Check out Goldman Sach's Market Know-How to get more information about current market conditions and what to do about them.

Monthly Economic Review and Outlook: Solid Economy, but Trade Clouds Darken

Business activity surveys are still strong, while the job market continues to be solid. Trade wars and tariffs are the chief near-term risks to the outlook. Read more.

Share Our Phenomenal New Rates with Agents Now

Alert your agents to 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! Plus, all of our products come with LegacyShield, a secure online service that helps clients store, organize and share key legacy information.

Six New ‘Grab-n-Go’ Emails 

Check out the 6 new “Emails to Financial Professionals” that promote IUL and non-medical underwriting in the “IUL Basics” Campaign in a Box. They are HTML coded with graphics and images ready to go – just cut and paste! IUL Producer Prospecting.

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 

Symetra Accumulator IUL Available in California 

In 2017, we launched our first indexed universal life insurance product, Symetra Accumulator IUL. Built on our principles of Value, Transparency and Sustainability, Accumulator IUL offers strong policy distributions and lower policy costs. We are pleased to announce that effective July 23, 2018 Accumulator IUL is available for sale in California. Read more.

Partner Dashboard Login Enhancements

We will be introducing new login procedures for our Partner Dashboard.  The transition period starts August 20th and ends September 30th. 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.

The Lincoln Life Leader

Click here to read the latest edition of The Lincoln Life Leader for updates on increased target premiums one WealthAccumulate, newly available riders on VULOne and WealthAccumulate, and more.

From the Desk of Steve Cohen

At Lincoln, we’re committed to offering our customers one of the industry’s broadest and most diverse life insurance product portfolios. That’s why we’re pleased to announce that we will increase target premiums by 25% on all sales effective September 10, 2018 for Lincoln WealthAccumulate IUL. Read more.

ONEMeeting Replay: Better Term Pricing and Leading Edge Underwriting

During the ONEmeeting, Steve Sabol and his guests looked at July’s term reprice, leading edge underwriting, the sales idea of the month and more.  Meeting replay.

Orion IUL: A Winning Combination

Faster compensation - your healthiest clients could be approved for coverage within 24 hours, so you can get paid faster. More indexed growth opportunities - six indexed accounts, including two uncapped options, to give your clients more choices. Flexible death benefit - help provide lifetime protection for your clients, and give them flexibility in how their death benefit is paid with the Income Protection Flex Agreement (IPA Flex). Learn more.

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.

Important Message from Underwriting Regarding Venezuela Residents

Due to overall endemic and political situation, Prudential is changing their underwriting guidelines and will soon be declining applicants who reside in Venezuela. We are looking to make this change effective 9/1/2018 however we will remain flexible with any case that may be in the works prior to that date.  If you have any questions, please contact your Regional Vice President or the Underwriter working on any case in progress.  We appreciate your understanding as to why we need to make this quick update.