3 Mark Financial, Inc.

10/24/2018

Join Jeff Taber, CLU, CFS for

Discover The Columbus Life Difference

Columbus Life is the newest carrier on the 3 Mark Financial Platform

Webinar Later Today at 3:00 pm central

A Case Study: Accumulation, Protection or Both?

Learn how teaming an Income Advantage policy up with a Term Life Answers policy may be an ideal solution for clients who want to plan ahead for retirement, but also have a larger temporary life insurance need.  Read more.

Webinar: New Opportunities with COLI and Global Atlantic

Join us for a results-focused session on how to use Global Atlantic’s Company-Owned Life Insurance (COLI) product and platform to create more opportunities for positioning life insurance to your clients. Chuck Van Devander, SVP COLI, will walk through the process of how to prospect, present and place COLI business with Global Atlantic. Case studies and best practices will be a focal point of Chuck’s training session about this emerging sales market.  Register.

Every Client is Important to Us

Here at Securian Financial, every client matters and we have a history of putting their needs first. Learn more. Unlike some carriers, we:

• Offer the same growth cap rates to all of our clients.
• Provide current clients the opportunity to exchange or convert their policies to new products that better meet their needs.* 
• Include our existing policyholders when product enhancements are made.

Click and Go Campaigns

Innovative new end-to-end campaign calendars preloaded with content and available now in our “Life Insurance Sales Essentials” Campaign In a Box! Ready to deploy – no logins or contact info required.  Start a campaign.

 IUL Cost vs Performance 

Our robust IUL Cost vs. Performance competition PowerPoint now has a sequel! This slimmed down 2-page supplement can help you explain the concept simply and briefly. New competitive flyer.

 Client Sales Prep-Tool

If you can provide at least two bits of info about your client – we can provide coverage options, suggested approaches and a set of sales idea recommendations. The more info you have – the more detailed the report. No login or contact info required/saved from you or your client.  Create my client pitch.

Central Intelligence

Central Intelligence (CI) is our monthly publication and podcast which summarizes important court rulings and legislative updates.

 Split Dollar -- New Life via Tax Reform?

In this recently published article by Broker World, John Harrison, Director with the Advanced Markets Group, discusses why split dollar has gained popularity since tax reform – and why it may be the right solution for your business owner clients.

Ward Off Billing Confusion with Policy Reviews

Have you issued any 3-pay, 5-pay or 10-pay policies? If they include our Capital Transfer rider, a quick policy review could ward off future billing confusion.  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 Rider Competitive Snapshot

Take a look at our new Competitive Snapshot flyer to learn about some of our LTC Rider strengths, and to see a competitive pricing comparison.  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.

Know What's Coming with PL Smooth Sailing Underwriting

Are today’s ‘black box’ fluidless underwriting programs causing you to lose credibility with your clients? Avoid embarrassment! Fluidless underwriting offers should be predictable and easy to explain.  Get the toolkit.

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.