3 Mark Financial, Inc.

10/03/2018

Join Jamie Mendelsohn with the Ashar Group for

Risk Management and Insurance Planning: Life Settlements

Webinar Later Today at 3:00 pm central

Webinar: Staying Relevant in a Changing Enviornment

Senior leaders from AALU and John Hancock Insurance have partnered together for a timely discussion on changes impacting the life insurance industry, with a focus on life insurance opportunities and underwriting considerations for business owners in the wake of tax reform. Read more.

Introducing John Hancock Vitality for ALL Your Clients

Now, all your clients can save money and be rewarded for living healthy with John Hancock Vitality. Video. 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.

The Lincoln Life Leader

Click here to view the latest Lincoln Leader for updates on internal replacement guidelines and year-end guidelines. 

Video: Managing Small Business Risk with Key Person Coverage

When a business owner relies on one or more vital employees to drive the success of their enterprise, life insurance can protect their business from the loss of these key employees. What if you could help your owner clients protect their business from the death of a key employee and, at the same time, provide an exclusive reward that recognizes their contribution to the business? Watch this message and see how.

Weekly Economic Review and Outlook: Further Tariffs Mean Rising Risks

The recent trade dispute between the U.S. and China escalated last week with the announcement of a 10 percent tariff on a further $200 billion in Chinese imports. Combined with the previously imposed import taxes on $50 billion in Chinese goods, nearly half of all items imported into the U.S. from China are now subject to an increased tariff.  Read more.

The New LTC Rider is Now Approved in Delaware

Beginning October 1, the new Long-Term Care Rider is available for sale in Delaware. Get the info you need to be ready to start selling.

A Sales Idea Using Both the LTC and Chronic Illness Riders

In some cases, clients may benefit from both an LTC Rider and a Chronic Illness Rider on their IUL policy. Although both can't be added to the same policy, clients have the option to split a larger policy into two, which could save money and provide flexibility. Learn mo 

Advanced Markets: LTC Rider Success Story

As you probably know, our life insurance policies now have available a Long Term Care Rider, which can be chosen for an additional cost. Of course our policies still include a Chronic Illness Rider at no additional cost if the long-term care rider is not selected by the client or approved by underwriting. There are reasons a client may prefer one over the other, and we will discuss those in future articles. Today we want to talk about how one of our agents used the LTC rider to help his clients. Read more.

Sharable Social Media for Your Clients

Looking for something to share with clients on social media? We have you covered.  Read more.

Need a Refresher on Riders?

Our Whole Life Rider Overview provides all you could need to know about them in one all-encompassing, easy-to-use piece. Click the link below to access it, and bookmark it for easy access anytime you need it. Click here.

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.

Advance Notice on Web Quoting

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. 

BrightLife Grow: Helping Clients Prepare for Their Future

Our enhanced BrightLife Grow can help you work it out. Check out what’s new! Use these client strategies to help accumulate additional cash outside retirement plans with flexibility. Managing Your Tax Bracket. Roth IRA Alternative. A Life Insurance Private Reserve. Buy-Sell Triple Play for Business Owners.

Podcast: Updates to Section 199(A) of the Tax Cuts and Jobs Act

Listen to this new, 22-minute podcast featuring Robert Keebler, CPA/PFS, MST, AEP (Distinguished) on updates and clarification to Code Section 199(A). Read the eNotice.

Perm or Term? Make it Simple

What type of life insurance policy is right for your client? There are a number of different options available. Walk your clients through this key decision: permanent coverage or term coverage? Our decision tool will help match them to a type of life insurance policy that best meets their needs. View the decision tool now.

The “I” in IUL

Struggling with IUL index interest crediting? Struggle no more. From beginning to end, learn how IUL index interest crediting helps your client share in upside potential with none of the down. Index interest crediting explained. 

#LifeGoals

“We want to be the leader in IUL – doing it right …providing BGAs and producers with the tools to make that happen.” Catch more from Jeff Barker, SVP Independent Distribution Sales, and Life Insurance on a recent “Brokerage in Motion” podcast hosted by NAILBA CEO, Dan LaBert. Listen now.

Pitch perfect with S-A-T

Don’t let your clients pay more than necessary for term life insurance. Offer your clients just the right amount of overage with Select-a-Term. Infographic.

The 4.5% Test

This easy 2-page rate test demonstration will help you tell a compelling story about the importance of life insurance guarantees. Review it now to check out which products stand up to the test. Take the test.

Perilous Paramed Point 

Check out these tried and true tips for avoiding common paramed pitfalls! Help ensure a smoother path to underwriting approval and case processing for your client by submitting your paramedical exam (Paramed Part B) with your Part A application! Read more. 

Pairing Clients to IUL Strategies

Helping clients select their ideal index interest crediting strategy may seem a little daunting. Read through our new flyer to help pair the right client with a matching strategy based on historic market performance. Read more. 

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! Learn more. 

Rock On with New Lower Term Rates

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. Learn more.

Hurricane Disaster Relief

During the month of September, Hurricane Florence made landfall in South Carolina. Many residents had to evacuate and some suffered significant losses due to torrential rainfall, flooding and high winds. The Governor declared a state- wide emergency and the Department of Insurance enacted an emergency regulation.  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.

LTC: Discover Your Opportunity

Want to feel like a superhero? Show your clients how purchasing a long-term care insurance policy has the potential to reduce their tax bill. While it can't help them to leap tall buildings in a single bound, a traditional LTCi policy can do some amazing things. In addition to protecting what matters most — family relationships, the ability to stay at home as long as possible, and the savings they sock away for retirement — a traditional LTCi policy also gives your clients these tax-saving advantages.  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

Year-End Deadlines

Lincoln’s Underwriting & New Business department is committed to helping you meet your year-end goals and objectives. Our focus is to ensure the maximum amount of your business is placed by close of business on December 31, 2018. To assist in placing year end business, we encourage you to submit outstanding requirements as early in December as possible. Learn more.

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. 

Protective PLUS Underwriting Now Available on Express Complete

Protective is happy to report that our PLUS underwriting (accelerated underwriting) is now available for Applicint users.  As you may recall, we launched I early in 2018 but some platforms were not set up to do it due to some programming/IT that needed to be done.  I am happy to let you know that as of today it is up and running. So what that means is, any tickets submitted through Applicint are now eligible for PLUS.  As long as they are within the age & amount guidelines they will automatically be eligible.  The agent does not need to specify that they want PLUS. Let Protective know if you have any questions.

Save Your Clients Money with Fit Credits

Our Fit underwriting credit program is designed to help you reduce insurance costs for your clients.  Learn how.