3 Mark Financial, Inc.

9/05/2018

Join Rick Katz, Director Business Development Institute, AIG, for 

8 Behaviors of Highly Successful Advisors

There are 8 competencies that will lead to your success. If not mastered, they will become obstacles to your success. Explore how to overcome each of the 8 major obstacles by adopting the 8 most important behaviors of highly successful agents. These habits (behaviors) will quickly move your practice to the next level. You get to decide.

Webinar Later Today at 3:00 pm central

Take Advantage of 'Age Last Birthday' Underwriting

Don't make your clients older than they are. With our 'age last birthday' underwriting, you'll help save your clients money and time.  Read more.

The Lincoln Leader

Click here to read the latest Lincoln Leader for updates on WealthAccumulate IUL, MoneyGuard II applications, and more.

Register for the five year-end client conversation calls

You won’t want to miss these 15-minute calls about five client conversations designed to drive new sales.  Register here.

How SLATS Can Help Clients Maximize Their LegaciesWithout Giving Up Flexibility

Repositioning trust assets using life insurance in a spousal lifetime access trust (SLAT) can help minimize estate taxes and provide discretionary lifetime income for a non-grantor beneficiary spouse. It’s the best of both worlds: access to trust assets, a legacy enhanced by life insurance cash values, and ultimately, a death benefit generally free of federal estate and income taxes.

Check out our recently updated SLAT marketing tools for more information.

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.

September is Here. Are you Ready?

This September, we're making it easier for you to help your agents get out the message about the importance of life insurance protection and proper financial planning. Check out our dedicated LIAM website, which hosts a number of consumer-approved resources for you to share with agents. Take full advantage of a wide range of marketing materials: social media graphics, videos, and flyers. Visit LIAM site.

Weekly Economic Review and Outlook: Crazy Rich (and Confident) Consumers

A surge in consumer spending this year has boosted the outlook for the economy and helped to raise GDP growth in the second quarter to the fastest pace in four years. Overall retail sales are up by 6.4 percent over the past year, although demand for autos and homes have edged down a bit recently.  Read more

Video: Six New Sales Ideas for Insurance Agents

Need new ideas for insurance sales that can help grow your business? Jeff Taber shares tips that he’s learned from agents all across the country. Watch now.

Grow Your Agents' Businesses - Focus On Our New Rates!

Encourage your agents to focus on our new rates for cases over $500,000, particularly for females, and impressive sights will appear.  Read 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.

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.

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.

Are Your Clients “Stuck” in the Middle?

Caregiving can be a difficult, yet rewarding job. Many of your clients may be part of the "Sandwich Generation," where they're stuck in the middle. They're not only busy juggling raising kids of their own, but they're also caring for their aging parents or family members. This can have both a financial and emotional impact on these caregivers. But there are solutions to make things easier for the future. Check out this new campaign - and help your clients find financial peace of mind by putting a care plan in place now.

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.

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.

Attach a copy of a current policy/ account statement for the funds being transferred to the 1035/transfer document.

Complete the 1035/transfer form carefully and completely. Be sure all necessary signatures are obtained.

Send original transfer forms with the application to 3 Mark for processing.

Annuity Fact Finder 

Click here for a great Annuity Fact Finder

Coming Soon: More Submission Options for PL Smooth Sailing Fluidless UW

Pacific Life (PL) launched PL Smooth Sailing for PL Promise products*, offering life insurance with death benefit protection, as a predictable solution to fluidless underwriting, on March 19, 2018. Starting on September 3, 2018, the application submission options are expanding to support YOUR preferred way of doing business with Pacific Life. Now you can access PL Smooth Sailing regardless of how you choose to submit business. You are no longer restricted to using the PL Promise ticket to access PL Smooth Sailing for your clients. Read more.

 Webinar: Pac Life Underwriting Innovations

Join us for a riveting webinar and learn how Pacific Life is revolutionizing underwriting to be transparent, predictable, and easy! Find out how future enhancements can accommodate and streamline your existing processes. Start leveraging the Power of Pacific to grow your business today. Don’t miss out on this unique opportunity to ride the wave before your competitors do! Save your spot now.

Coming Soon: Symetra's Preferred Cancer Underwriting Program

With over 14 million people receiving a diagnosis each year, cancer is one of the world’s most pressing health challenges.¹ Many of those people who need life insurance don’t qualify for affordable coverage because of their diagnosis. At Symetra, we’re hoping to change that. 

Look for more details about our Symetra Preferred Cancer Program coming later this month. 

Underwriting and the opioid crisis

In recent years, the U.S. has seen a shocking lift in opioid-related deaths. Hear from Brad Gabel, Protective Life’s chief underwriting officer, on how the opioid epidemic affects today’s life insurance industry.  Read More