3 Mark Financial, Inc.

11/14/2018

Join Joe Roderer, ChFC, CLTC as he discusses: 

Creative care designs

Imagine your clients having cash in hand to pay for care with no restrictions.

Webinar Later Today at 3:00 pm central

Opportunity: 1 in 5 Americans Who Own Life Insurance Say They Don’t Have Enough 

Annual policy reviews can determine if your clients are underinsured, policy underperformance, and opportunities to help them find better options for their changing needs. Part of Lincoln’s “Five Year-End Conversations” series, click here to learn more about starting this conversation today.

Lincoln TermAccel® Level Term and Lincoln LifeElements® Level Term (2017) Pricing Improvements

As we approach the end of year, at Lincoln, we continue our commitment to offering competitive and affordable term solutions.We’re  pleased to announce pricing improvements to  Lincoln TermAccel® Level Term  and Lincoln LifeElements® Level Term (2017) effective 11/12/2018. Learn more. 

 Webinar: Business Insurance Solutions That Sold in 2018

A year that opened with sweeping tax reform for individuals and business sparked many discussions about opportunities for advisors with small-business clients. One certainty remains: Life insurance continues to be an important part of the planning process for businesses. Learn more. 

New IUL suite from Nationwide Designed to Offer More

At Nationwide, we are proud of our competitive indexed UL products and long history of stable COI rates. Now, we are taking our IUL solutions to a new level with two new products.  Learn more. 

Who Knew Fluidless Underwriting Could Be So Easy?

Fluidless underwriting for PL Promise Life Insurance Products just got even easier. Submit a ticket or full application—you choose! Find out more. 

 4 Things You Should Look for in Affordable Term Coverage

What should you look for in affordable term life insurance coverage for your clients? Competitive premiums; marketing and operational support from a broad-market expert; strong brand recognition and financial ratings; and an attractive conversion option.  Learn more. 

 New Lower ($50k) Face Amounts for All Preferred Risk Classes

Effective immediately, your clients can get a lower minimum face amount of $50,000 for all four preferred risk classes—Preferred Smoker, Preferred Nonsmoker, Preferred Plus Nonsmoker, and Super Preferred Nonsmoker. The prior minimum face amount was $100,000.  Learn more. 

 PL Promise GUL

PL Promise GUL offers guaranteed death benefit protection at an affordable price for the broad market . There’s a growing opportunity for life insurance protection among the middle market (those with $50,000+ annual income). For clients seeking affordable guaranteed death protection for their families or businesses, or a potentially more affordable alternative to whole life insurance, consider PL Promise GUL. Learn more. 

Effective 11/16/18: Rate Changes to Indexed Explorer Plus

Effective November 16, 2018, the following rate changes are being made to the indexed universal life (IUL) product, Indexed Explorer Plus.

Avoid the Risk of Losing a Key Person

When a business loses a key person, it loses the talent, experience and skills that are important to its success. Help business owners understand the risks and the opportunities life insurance can provide for key people. Learn more. 

Think Twice About Key Person Insurance Types

Since term insurance has lower initial premiums, it's often considered first for key person protection. But, permanent insurance may offer a more favorable impact. Learn more.

Are Your Clients at Risk of a Tax Trap?

Employer Owned Life Insurance (EOLI) rules under Section 101(j) of the Tax Code affect key person insurance. When a business owns life insurance written on its employees, the failure to "dot every i" can have huge income tax costs. Learn more. 

 Don’t Put Your Clients Business in Jeopardy; Discuss Business Continuation

Regardless of size, a business continuation plan should be part of every business owner's strategy. Start the conversation with this client brochure. 

How to Build Better Communication with Business Owners

Your communication with business owners will increase when you use concise, clear language to explain planning concepts. See the list of essential terms.

Discover, Refine and Retain Leads

It’s a gold rush and we’ve got the shovels! Our new Prospecting Playbook is designed to help mine inforce books of business to find hidden gems and polish those prospecting skills for digging up new clients. 

Introducing Life Insurance with Apple Watch Series 4

The new Apple Watch Series 4 is now available on all John Hancock life insurance policies with Vitality PLUS for as little as $25! Apple Watch is one of the most popular and engaging features of the John Hancock Vitality Program. Learn more.

 5 Reasons to Sell John Hancock's Long-Term Care Rider

Talk to your clients about the importance of planning for a long-term care (LTC) event -- and how our Long-Term Care rider sets itself apart. Learn more.

 John Hancock Central Intelligence

Central Intelligence (CI) is our  monthly publication and podcast which summarizes important court rulings and legislative updates. Read or listen to the November 2018 issue. 

New 2019 Qualified Plan Limits

The IRS recently released qualified plan limits for 2019 - some key limits increased (compensation limit, Defined Benefit annual limit, Defined Contribution limit, 401k deferral limit), which means higher potential benefits, contributions and deductions for your clients! Call Retirement Services at 1-800-555-6048 to see how a qualified plan can help your clients save for retirement and save tax dollars!  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 Marketing Promotions

Did you know that we recently promoted the following marketing resources and tools?  

National Webinar in October on the multiple solutions we now offer to cover extended care needs.  Learn more.

  Webinar: Let’s Talk LTCi Tax Advantages

Advanced Markets Specialist Tom Fridrich will talk about the tax-saving potential of a traditional LTCi policy on November 14. Learn how you can help your clients - individuals and business owners alike - reduce their tax bill while planning for their future long-term care needs. Learn more.

LTC Riders: Understanding the Differences in Design

Watch this short video to understand the differences between an LTC Rider that uses a reimbursement model and one that uses an indemnity model.  Learn more.

Online Scheduling for the MoneyGuard Personal History Interview

We’re excited to offer online scheduling for the Personal History Interview. The scheduling tool can be used by clients or advisors, and makes it easier to arrange the interview at a time that’s convenient for the client. The addition of eFeatures, such as online scheduling, is part of Lincoln’s continuous effort to create the best overall application experience for you and your clients. Learn more.

 5 Ways Clients Can Pay for Care

Even the best-laid retirement plans can be derailed by unexpected health care costs.

Help your clients protect their assets and preserve their legacy during Long-Term Care Awareness Month. With one of the most competitive long-term care (LTC) and chronic illness (CI) product portfolios in the industry, we have the tools you need to help protect your clients and grow your business.  Learn 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

Your Guide to New Business

Whether you have a formal or informal application, this guide walks you through every step of GAFG’s new business process. 

2018 Year-End Closing Dates

We often receive questions regarding year-end closing or cut-off dates. We hope that you find the explanation here helpful.

Divorce and Beneficiary Designations: Proceed with Caution

In the event of a divorce, many clients will consider a change of beneficiary on their insurance policies. A good first step is to review all beneficiary designations with your client and see if life events have led to a need for updating beneficiary designations.  Learn more.

Coming Soon: Automated Underwriting for Living Promise

You'll be able to get an underwriting decision in an instant, with Automated Underwriting on our Living Promise (Final Expense) e-Applications.  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.

Non-Med Underwriting Process Enhancement

You asked. We listened. It’s time for a more seamless non-medical UW experience.

Now, if your client is found ineligible for non-medical underwriting, the option to continue with full underwriting at the applied for face amount on the applied for product is automatically available. Meaning, in the event of ineligibility you won’t need to go back to your client to ask for alternative product choices or changes to the applied for face amount.  Learn more.

 Our Submission Checklist Is a Powerful Tool

Providing complete, accurate information with each application helps ensure the fastest route to underwriting review and approval. Use our new Submission Checklist to make sure your application packet is In Good Order!  Learn more. 

2018 Year-End Processing News

Thank you for your partnership and business in 2018. As we approach the end of the year, please keep in mind the following dates and guidelines to ensure that all of your business processes in a smooth and timely manner.

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.

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.