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3 Mark's In The Loop Newsletter

3 Mark Financial, Inc.

9/19/2018

Join Cara Moody, CLU Foreign National Insurance Consultant, Lincoln Financial Distributors for 

How to Build Your Foreign National Business

Webinar Later Today at 3:00 pm central

Register Now

 

AIG Adjusts Select-a-Term Rates

Effective September 17, 2018, Select-a-Term proves again it is no "one-hit wonder" with lower rates in certain issue ages and risk classes. The rate changes will include increases and decreases in certain cells.

In addition, we have lowered the monthly modal factor from 8.65% to 8.55%, improving Select-a-Term’s competitive position on a monthly basis.*

Click here to view the AIG announcement

To hit a high note with your clients, visit www.aig.com/termlife for more information.
In New York? Visit aig.com/newyorkproducts

Advanced Markets Minute: Tax Alpha For Your Clients

Would you like to provide some tax alpha for your clients? The Advanced Markets department recently added a new diagnostic tool to their client deliverables! The Tax Clarity™ software analysis allows an advisor to diagnose client situations where additional dollars withdrawn from a retirement asset would have an impact far greater than their marginal tax bracket would suggest.  Learn more. 

 Opportunity is Knocking

If you had the opportunity to help more people...if you could make more sales and build your business, wouldn't you jump at the chance? Here's the deal. There are people out there who need long-term care insurance. A lot of people. Every day, 10,000 baby boomers turn 65. And that's expected to continue for another decade. As your clients approach retirement age, they need your help planning for their long-term care needs.  Read more.

Now Available: Lincoln LifeElements® Level Term (2017) Reprice and Lincoln TermAccel® Level Term Expansion

As we approach the end of year, Lincoln is committed to helping you meet your goals--- and we can do that by making our products more competitive and offering solutions for your valued clients. That’s why we’re excited to announce pricing improvements to and the expansion of Lincoln TermAccel® Level Term and pricing improvements to Lincoln LifeElements® Level Term (2017).  Lincoln TermAccel Level Term is now expanded in ages, amounts and term periods. This is exciting news as Lincoln continues to evaluate and evolve our product portfolio to better support client needs.  

 The Lincoln Leader

Click here to view the latest Lincoln Leader for updates on LifeElements Level Term reprice, TermAccel expansion, and other updates. 

Video: Giving Your Clients Peace of Mind with Living Benefits

Living benefits can give your clients access to funds while they’re still alive. Top producer Kyle Blackburn tells us how life insurance products with living benefits can help give clients peace of mind.  Watch video. 

 Product Changes Effective in October

As a result of market forces, we are making changes in selected products in the fourth quarter of 2018.  Learn more. 

New Parents Represent New Opportunities

Click through this interactive experience to discover how life insurance can help meet the unique financial needs of new parents.  Learn more.

Securing Your Legacy

Most of our clients want to pass something on to their loved ones. But what will that legacy be? Should it have a defined purpose? How secure are they in being able to provide that legacy? Want to learn more? We have solutions:

 JHAM Radio: Passing on a Family Vacation Home 

Listen as guest attorneys Timothy Borchers and Chris Cahill, and Advanced Markets attorney Carly Brooks discuss the legal and financial structures that are most effective in keeping a beloved property in the family for generations to come. Listen here.

 Central Intelligence

Central Intelligence (CI) is John Hancock’s monthly publication which provides commentary on important industry related court rulings, legislative updates, and changes in government policy. Read the September 2018 issue here.

Possible Reduction of the Per Diem Limit Affecting LTC Insurance Policies and Riders

In this article, Caroline McKay, AVP & Counsel, John Hancock Advanced Markets, provides important commentary on the possible reduction of the per diem limit that could impact LTC insurance policies and life policies with LTC/chronic illness riders. She also highlights consideration for reimbursement contracts in light of this issue.

New Client-Approved Video to Share

Check out this new video about the importance of life insurance protection in reaching financial fitness goals. Find the video on lgamerica.com/liam and send to your agents to share with clients and prospects.

Check out what's new with our BrightLife® Grow IUL:

 Streamlined indexed options to maximize upside potential

 Our caps just got better

 Long-Term Care Services℠ Rider available with Cash Value Plus Rider

 Improved compensation payout

 Learn more.

 BrightLife Grow Strategies for Flexible, No-Sweat” Income 

Use these BrightLife® Grow strategies if your clients want to accumulate additional cash outside of their retirement plans and enjoy the flexibility to access it when they need it. 

Supplementing retirement income using life insurance.  A life insurance private reserveManaging your tax bracket.

The Different Ways Life Insurance Protects Loved Ones

Our Simply Speaking Life Insurance content can help you build your business.  Click to try the tool.

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.

LTC Self-Insure or Self-Delusion?

When it comes to planning for long-term care expenses some clients say they don’t want to buy insurance but want to pay the cost of care out of their assets, or self-insure. They probably don’t self-insure against auto accidents, or against home fires or other risks, but somehow self-insuring against the risk of needing long term care sounds economical to them. Aside from the obvious financial leverage of insurance, and assuming that your client even has the assets to truly self-insure, there are six reasons a long term care policy makes more sense than self-insuring.  Read more.

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 feeling 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.  Read more. 

In The Loop Annuities / LTC

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

In The Loop Underwriting New Business

Introducing the Symetra Preferred Cancer Program

Our newest underwriting innovation is here, and we can’t wait to share it with you! Please join us for a special webinar about our new Symetra Preferred Cancer Program.  Learn more.

New Underwriting Dialogue: Peripheral Artery Disease (PAD)

Peripheral artery disease (PAD) affects over 8 million people in the United States and over 200 million people worldwide. Learn more about this condition and how it’s underwritten by reading the latest Underwriting Dialogue from LGA.

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