3 Mark Financial, Inc.

11/07/2018

Join Brad Coffin from OneAmerica as he introduces: 

Why are Asset Based LTC Solutions Growing So FAST? 

Webinar Later Today at 1:00 pm central

Join Richard Kait, JD, LLM he discusses: 

Section 199A The Small Business Tax Deduction and it's impact on you. 

Webinar Thursday November 8 at 3:00 pm central

Living Promise Training Video

Want to learn more about our Final Expense product, Living Promise Whole Life Insurance? We have a video to help train you on the product and teach you some of the selling points. Learn more.

 LTC Inflation Protection Buy-Up Option

Offering a benefit with flexibility to meet your client's changing needs could be the competitive advantage you need to increase sales. Learn more.

 10 Reasons to Sell Life Protection Advantage IUL

You're in the business of helping your clients protect their loved ones. Find out the top ten reasons to use Life Protection Advantage IUL for your protection-focused sales.

Term Conversion Plus May be Just What Your Clients Need

If you have clients who are interested in life insurance protection and a relatively affordable and effective way to pay for potential long-term care costs, now is the time to act. That's because we've lowered the rates for Term 20 and have extended the Term Conversion Plus program through the end of 2018.  Learn more.

 Mid-Term Election Preview Podcast

As the November 6 election nears, Tom Crawford, Senior Managing Director of Strategic Communications Segment, FTI Consulting, discusses how the results can have a long-term effect on the financial markets, taxes and planning we do for our clients. Learn how you can plan ahead and be prepared.  Listen now.

 The Power of Life Insurance and LTC

Use this 3-minute video before, during or after client discussions on long-term care to move clients to action.  Client-Approved Video.

 Giving Permanent Life Insurance the Credit it Deserves

Protection is just the foundation of a life insurance policy. Learn about the many other benefits permanent life insurance can offer. Help to educate your clients about the benefits of permanent life insurance.  Client-approved video.

 5 Sales Ideas

Need a sales concept for a specific type of client? Here are 5 BrightLife® Grow sales ideas you need to help your clients get their financial, estate and business plans in shape.  Read more.

 Don’t Count on Discounts for Intergenerational Split Dollar Plans

Intergenerational split dollar has garnered attention for its ability to generate tax discounts. The IRS is challenging these discounts. Read our take on the recent ruling in The Estate of Richard F. Cahill.

Healthy Living Can Extend Your Client’s Life Policy

Can healthy habits impact COI charges on Lifetime Foundation ELITE with Wellness? Our recent survey revealed that 92% of respondents would be motivated to maintain a specific weight level if offered a life insurance discount or incentive. Our Wellness for Life® rider delivers such an incentive — and the savings can add up. On an illustration for Lifetime Foundation ELITE with Wellness for Life Rewards®, the impact of COI reductions on the policyholder’s projected non-guaranteed cash values shows a difference of $120,522 at age 90. That’s a serious incentive.  Learn more.

An Industry Expert Shares Why You Should Take a Fresh Look at Insurance Products

Jill Perlin, Vice President, Advanced Planning and Sales Training, was recently interviewed for an article on why many of your peers may not be talking about life insurance with clients, and trends that are simplifying the overall process.  Read more.

Accident & Health Product Sales Being Discontinued

Due to ongoing uncertainty in the marketplace, a challenging regulatory environment, and other business considerations, AIG has made the difficult decision to discontinue sales of its remaining Accident & Health products available through American General Life Insurance Company.  Learn more.

Fully-Loaded Campaign - 6 Clicks Away

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.

 Cost vs Performance 

Our robust IUL Cost vs. Performance competition PowerPoint now has a sequel! This newly slimmed down 2-page supplement can help you explain the concept more simply while still packing all the sizzle of its namesake.  Learn more.

 New Prospecting Playbook, Plus New Inforce Capabilities

It’s a gold rush and we’ve got the shovels! Our all-new prospecting playbook is a wealth of materials designed to help you mine your inforce book of business for hidden gems. It's also a go-to resource for helping dig up precious new leads. Also available to support your inforce mining expeditions – real-time inforce illustrations now available on certain UL products in WinFlex Web.  Learn more.

Market Insights: Treats, Not Tricks, in October Payrolls

The October employment report was unequivocally strong and should help to keep the Fed on its current path for rate tightening. Job gains have averaged 212,500 per month so far in 2018, a much faster pace than last year and well above expected for the 10th year of an economic expansion.  Read more.

Plan to Protect Business Owners from the Loss of a Key Person

Part of business planning is having key person coverage — for a corporate officer, an individual with technical expertise, or large revenue driver. Help owners understand the risk of losing a key person and how life insurance can be an effective solution to help them protect their most important investment―their businesses. See how to start the conversation.  Learn more.

 Charitable Giving: Make Doing Good, Do Good

Americans are willing to give. For the first time, U.S. charitable giving exceeded $400 billion.  Help your clients support a cause they’re passionate about with Lincoln life insurance.  See how to start the conversation. 

 Wealth Transfer Planning with More than $30 Million in Motion

Within the next 30 to 40 years, American baby boomers will transfer more than $30 trillion to their heirs. Consider this case study and learn more about how to start the conversation.

 Lincoln Life Leader

Click here to read the latest Lincoln Leader for updates on year-end dates and more.

Pacific Life Repriced PL Promise Term!

We've reinvigorated PL Promise Term to help ensure you're in position to compete across the broader market. There’s too much good news to cover in just one email: click here to see the whole story. 

 Will Your Clients Qualify? Submit Ticket or Paper Application, We Take It From There

When your clients need life insurance with death benefit protection, give them a smoother application experience. No black box scoring. No credit data or any other hard-to-explain underwriting criteria. PL Smooth Sailing offers simple qualification standards with predictable outcomes.  Learn more. 

 Make A Splash With This Incentive Opportunity!

Earn an additional $300 compensation when you sell three (3) PL Promise Term1 life insurance policies from September 24, 2018 through December 15, 2018.  Learn more.

 A Competitive Conversion UL Product That's Hard To Beat

It’s hard to beat PL Promise Conversion UL. Here’s why: competitive premiums, ROP feature, easy conversion process and enhanced commission.  Learn more. 

It’s Time to Start the LTC Conversation

Talk to your clients about the long-term care realities many face — and help them see the value of adding the Long-Term Care rider to their life insurance policy.  Start the Long-Term Care conversation today!

 Raising the Service Bar in the Large-Case Market

We’re making it easier than ever for you to win big in the large-case market by introducing a new specialized service model that will focus on expediting your $10M+ cases from submission to policy issue. 

 Vitality by the Numbers

The numbers speak for themselves when it comes to John Hancock Vitality and the positive impact it is having on your customers, while offering you new sales opportunities.  View presentation.

Introducing Base Index Strategies; Accelerated Death Benefit and Charitable Giving Riders in California

We are pleased to announce that effective Oct. 15, 2018, Symetra has added new Base Index Strategies to Accumulator IUL, for a total of nine diversified index crediting strategies, among other updates.  Learn more.

Slow Down to Speed Up Your Business

ou work efficiently to move your clients' business forward. But, what if that very efficiency potentially slows a policy down? The top reason applications are ejected from the accelerated underwriting process is that a paramed exam has been received. More than 38% of eligible applications are declined for this reason. Once the exam is received, it becomes part of the application and must be reviewed, disqualifying the application from the accelerated process. Read more.

 Meet Your Study Group on Life Insights

There’s no need to travel to meet with other successful producers for continuing education. With our Life Insights video series on YouTube, the insight of experienced producers is always available.  Learn more.

4 Ways to Close Sales and Set Appointments in November

What do we have that our competitors don’t? A lot of things. But especially this: a turn-key marketing plan with the tools you need to maximize your long-term care prospecting efforts in November – and beyond. Get the plan. 

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.

Another Advantage of Traditional LTCi

A unique advantage of traditional LTCi is the tax benefits it offers.  Here's why.

Coming in November

Are you ready for it? November is LTC Awareness Month! (It's also Sweet Potato Awareness Month, but that's another story.) LTC Awareness Month is the perfect time to remind your agents to pull up a chair and start talking with their clients about the importance of planning for long-term care.  Read more.

 Video: Leverage LTC Awareness Month to Close Sales

Everyone likes a back-up plan. And Long-Term Care (LTC) Awareness Month is a great opportunity to remind your clients why it’s important to have one. Use our “Smart Planning for Future Care” consumer video to help your clients learn more about the world of caregiving, the potential risks of not being financially protected, and the possibilities having a long-term care strategy creates.

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

Updated Underwriting Field Guide

Check out Legal & General America's updated Underwriting Field Guide. The updates include:

Clarified build chart with full weight ranges for each of our Standard classes and updated financial underwriting section to include more details on dependent spouses and student coverage.  Learn more.

NEW Vitality Welcome Kits Now Going Directly to New Customers

We’ve made it even easier for your clients to get started with the John Hancock Vitality Program. That’s because they’ll now receive their Vitality welcome kits directly from John Hancock, along with welcome emails telling them how to register for the program, complete their online Vitality Health Review (VHR), and download our Vitality mobile app. Visit JHRedefiningLife.com to learn more about John Hancock Vitality.

Important Year-End Reminders

The countdown to year end is on, and our focus will be on helping you achieve a strong finish. For cases you are targeting to include in your 2018 sales results, please note the key submission deadlines outlined in this flyer.

Simplified Issue Underwriting Updates

We have made two improvements to Simplified Issue Underwriting - making it even quicker to get an underwriting decision.  Learn more.

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.

Year End: Important Dates and Reminders

As you plan for year-end, we have prepared some helpful key reminders and tips to avoid commonly missed requirements, which will assist you for a winning year-end.  Read more.

SBLI’s Enhanced UpSell Program = Even More Value For Your Agents

As part of our continued strategy to enhance our value to you, we are updating our UpSell Program on November 3, 2018. These updates include an automatically generated upsell offer to eligible customers and more time for agents to upsell their clients. The Program is designed to help agents sell term policies with larger face amounts without any additional effort!  Learn more.

9 Tips to Get Your Business in Before Year End

As we near year end, life insurance professionals across the industry have a mutual understanding that the most imperative deadline of the year—December 31—is quickly approaching. Learn what Kenneth Byrd, Protective Life’s 2VP of New Business Operations, suggests to ensure that your cases are placed by December 31, 2018.  Read the 9 tips.

2018 Holiday Schedule and Year-End Processing Guidelines

Now that you’ve read Kenneth’s year-end tips, familiarize yourself with our 2018 holiday schedule and processing guidelines—which will help you expedite your business during this time.  View important dates. 

Year-End Processing Dates

To help facilitate efficient policy placement through the end of 2018, review our key dates and holiday hours. Think of them as a guideline for the smoothest processing of cases throughout this busy time of year.