3 Mark Financial, Inc.

10/10/2018

Join Jeff Wright, CFP, CLU, ChFC, RVP - Symetra Financial

Learn Why IULDigest.com’s Brett Anderson awarded Symetra’s Accumulator IUL an A+

Webinar Later Today at 3:00 pm central

Providing for a Surviving Spouse in Retirement 

In a recent Prudential survey, most respondents were unsure about what steps to take to plan for retirement. The top lessons retirees would pass on to today's pre-retirees are save more, start saving earlier, and plan on retiring later.  Read more.

Discover Why It’s Called ADVANTAGE UL

New tools show you how PruLife Index Advantage UL® will help you meet more client challenges with a powerful solution.  Read more. 

Webinar Replay: Charitable Giving

During the June ONEmeeting, Steve Sabol and his guests looked at how to better communicate your value and the value of life insurance to your clients, and actionable ideas you can implement into your practice.  Learn more.

Market Insights: Headline Risk Not Enough to Stop Market Rally

Asset prices moved higher despite elevated headline risk over the last three months, as continued trade rancor, a resurgent U.S. dollar, and a budding emerging markets crisis weren’t enough to keep the S&P 500® Index from bounding to a new record high.  Read more.

TLE Non-ROP Issue Ages Increased

On October 1st, the new issue ages for 10T and 15T Non-ROP Term Life Express (TLE) policies have increased. We also added four new benefit triggers for the Living Benefits Rider.  Learn more.

Two Non-Med IUL Sales Ideas

Not one, but two Non-medical Max Accumlator+ customizable sales ideas now available! Non-Med IUL Above & Beyond: an increasing death benefit combined with chronic illness protection, still offering non-med, plus added growth potential. Non-Med IUL on a Budget: lower face amount options to provide your client innovative non-med IUL coverage with our chronic illness rider, even on a budget. Visit our website for these and other sales ideas.

Use These Tools to Build Your Business All Year Long

Throughout Life Insurance Awareness Month, we introduced you to some new tools from our Simply Speaking series. Just because September is over doesn’t mean life insurance awareness has to end. Each of these Simply Speaking tools was designed to help you deliver straightforward answers to common life insurance questions and concerns—throughout the year.  Learn more. 

Leverage the Benefits of Both Term and Permanent Life Insurance

Each stage of your client’s life can provide an opportunity to help determine their future life insurance needs. Our new advisor flyer explains the different life stages and how you can help your clients with their life insurance needs now and in the future.  Learn more.  

Vitality GO and Vitality PLUS On-Demand Webinar

We’ve made it easier than ever for you to help all your clients live longer, healthier lives by including Vitality GO on all our flagship products – at no additional cost. Watch this 11-minute on demand webinar to learn more about Vitality GO and Vitality PLUS!

 Hands-on Support from Vitality Personal Consultants

Our new Vitality Personal Consultants can help your clients take advantage of all the benefits of the John Hancock Vitality Program.  From guiding them through the registration process to explaining how to earn an Apple Watch for as little as $25 plus tax, our Vitality experts can put your clients on the path to a longer, healthier life.

 New Living Benefits Selling Guide

Living a long life and spending many years in retirement is increasingly likely for most people. That means careful planning is a necessity. See how John Hancock’s living benefit riders such as Critical Illness, Long-Term Care and Vitality can offer your clients comprehensive protection they can take advantage of today. Living Benefits Selling Guide.

 New Invest in Your Life and Personal Key Person JH Illustrator Quick Concepts Now Available!

In an effort to bring you the tools and resources you need to create custom solutions for your clients,  Advanced Markets is excited to announce two new "quick concepts"  —  Invest in Your Life and Personal Key Person  — are now available in JH Illustrator.  And don't forget, the Supplementing Retirement Income quick concept was released earlier this year.

 Possible Reduction of the Per Diem Limit Affecting Long-Term Care 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 insurance policies with LTC/chronic illness riders. She also highlights considerations for reimbursement contracts in light of this issue.

 John Hancock Vitality in the News

Last week's announcement has already captured significant media attention, with nearly 350 published articles in the first few days alone.  Here are two that do a great job telling the Vitality story: 

 Brooks Tingle, President & CEO, John Hancock Insurance recently spoke with Cheddar about incentive-based wellness programs. View Video. 

 Marianne Harrison, President & CEO, John Hancock, wrote this CNBC article on how John Hancock is transforming the 156-year old life insurance business model.  Read More.

Video: Using Life Insurance to Secure Their Future

When Ron's father showed signs of dementia, they thought they had coverage to help with long-term care. Unfortunately, they didn’t understand what they had. That was a wake-up call for Ron and Kim, so they took steps to secure their future and ensure that they didn’t saddle their kids with financial issues.  Watch now.

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. 

Medical Underwriting Guidelines Changes Effective October 1, 2018

Effective October 1, 2018, more refined guidelines for the underwriting of certain lymphomas. Read more.

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.