3 Mark Financial, Inc.

9/26/2018

Join Jamie Mendelsohn with the Ashar Group for

Risk Management and Insurance Planning: Life Settlements

Webinar October 3, 2018 at 3:00 pm central

Introducing Vitality GO and Vitality PLUS

Now all flagship products include Vitality! For the first time, you can help all your clients live longer, healthier lives with two great versions of the John Hancock Vitality Program. Vitality GO  is included on all our flagship policies at  no additional cost , and  Vitality PLUS  is an enhanced version of the program you already know.  Learn more.

This Tool Helps Clients Understand Life Insurance

This 3-minute, 5-question Quiz can be shared with clients and prospects in the customer-approved email template that’s attached.  Learn more.

 4Q Interest Rates and Caps – Effective October 1, 2018

Please click here to see the updated fixed rates and caps for permanent products.

Webinar: Charitable Giving is Good for Charities, Clients and Your Business

Many Americans may want to give to their favorite charity but are reluctant because of today’s tax environment. But there are still significant planning opportunities for the right client. Since most taxpayers are likely to use the standard deduction rather than the itemized charitable deduction, philanthropists need a new strategy for making charitable gifts.  Learn more. 

Weekly Economic Review and Outlook: Accelerating Inflation Takes a Break

The Consumer Price Index (CPI) rose by 0.2 percent in August, a bit less than market expectations of 0.3 percent — despite a 3.0 percent jump in gasoline prices. As a result, the 12-month trend change in the CPI slowed to 2.7 percent — still among the fastest readings of the past six years.  Read more.

Extended Issue Ages for Term Life Express Non-ROP

Effective October 1, 2018, we are expanding the maximum issue ages for 10T and 15T TLE Non-ROP policies, as well as adding four additional benefit triggers for the Critical Illness Living Benefits Rider.  Read more.

 What Makes Our IUL Products Unique?

Here's an overview of the features and benefits that make our Income Advantage and Life Protection Advantage IUL products unique in the industry.  Read more.

Video: Giving Your Clients Peace of Mind with Living Benefits (repeat entry)

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. 

When a 401(k) Plan Just Isn’t Enough

A few years ago your client set up a 401(k) Profit Sharing plan to help reduce their taxes, and at first it worked like a charm!  But their business has grown, and so has their cash flow – and they are reeling from a large tax bill for 2017. Your client realizes that they need more - more tax deductions, and more retirement savings for themselves. You can help! Talk to your client about adding a cash balance plan in addition to the 401(k) plan they already sponsor.  Adding a cash balance plan may be just what they need to help them increase deductions and retirement savings while reducing their corporate taxes.  Learn more.

New Client-Approved Life Check Up Flyer

Check out the new client-approved flyer which gets customers thinking about changes that may have occurred since they last reviewed their coverage. Agents can send digitally to clients and prospects, or print for mailings. The flyer can be personalized with agent information at the bottom. Find the flyer on our LIAM website or download here. 

 New Web Quoting Tool to Replace Illustration Manager

You've been asking for it and it's almost here - quoting via the web without needing to download software! We've estimated that it will be available in October.  Learn more.

LTCSR Enhancements for FL and CT

Introducing new enhancements to the LTCSR! The LTCSR is an optional rider available on new sales of IUL Protect, BrightLife® Grow Series 159, BrightLife® Grow Series 155, IncentiveLife Legacy® III and IncentiveLife Optimizer® III. Learn more about these enhancements. 

 Completing the Retirement Planning Puzzle: Where Long-Term Care Fits In

When we plan for retirement, many things are on our mind — replacing our income, growing our assets and setting aside money to travel and to enjoy a more flexible lifestyle. One thing that we generally don’t address in the retirement planning process, however, is the possibility that we may need long-term care some day or that we may end up being a caregiver for a spouse, parent or even a child.  Read more.

How Much Life Insurance Do They Need?

Help your clients answer this important question: How much life insurance do I need? Try this calculator and find out. Our Simply Speaking Life Insurance content can help you build your business. Discover how at globalatlanticlife.com/life-insurance-awareness.

 Podcast: Multi-Generational Split Dollar with Richard Harris

Randy and guest, Richard L. Harris, CLU AEP©, get into an in depth discussion of the current legal considerations surrounding loan regime split dollar, especially in the multi-generational context. It’s a complicated time for these arrangements, which are still an exciting planning tool for people of high net worth. Listen in as Randy and Richard go into detail and help identify potential pitfalls so you can try to avoid future problems. Spoiler alert: involve an attorney!. Listen here or on iTunes. 

 Care for a Cup of Coffee?

Find out why the key to the financial crisis may lay at the bottom of a coffee cup.  Read more.

Up to 30% More Growth Potential with Orion IUL

Because we're committed to enhancing our products so you can stay competitive, Orion Indexed Universal Life (IUL) will offer two new indexed account options — effective Monday, September 24, 2018.  Learn more.  

 What Makes Advantage Elite Select Unique?

Nothing matters more to your clients than their family and making sure they are protected. Our Advantage Elite Select term product gives your clients many options — providing them the affordable coverage they need with flexibility for their future.  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.

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. 

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

Easy Fluidless Underwriting

Clients ages 50-69 can now qualify for PL Smooth Sailing Underwriting regardless of how you submit the application, ticket or paper - it's your choice! Learn more. Toolkit, including email templates. 

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.

Underwriting and the Opioid Crisis (repeat entry)

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. 

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.