3 Mark Financial, Inc.

11/21/2018

OneAmerica Care Solutions Suite and Concept Training

Get back to basics! Learn all about asset-based LTC solutions: how they work, how to set up sales, different funding options, product features, benefits and more. Webinars are every other Friday, 11 a.m.-12 p.m. ET. Two opportunities remain in 2018 — sign up for one today to dig into our asset-based LTC products! 

John Hancock Webinar: New Protection IUL

Ready to learn how we’ve made Protection IUL even more competitive? Listen to our experts discuss Protection IUL’s updated indexed account suite as well as the much improved premium solves on this 20-minute webinar! 

The Lincoln Life Leader

Click here to download the latest issue of The Lincoln Leader for updates on LifeElements and TermAccel pricing, consideration and flexibility for new Voya applications, and more.

Wealth Transfer Planning

Within the next 30 to 40 years, American baby boomers will transfer more than $30 trillion to their heirs. Start the conversation today. 

3 Dangers of Spreadsheet Selling

In case you missed it, last month we hosted a webinar about Why Selling from the Spreadsheet is Dangerous—specifically shining the light on IUL. Take a moment to read the recap from Dave Sheridan, Protective Life’s vice president and managing director of life distribution.  Read more.

 ICUL as a GUL Alternative

Think Outside the GUL Box – ICUL pairs the strong guarantees of traditional GUL with growth potential and low policy fees. This cash value can provide more flexibility than traditional GUL. Learn more.

Product Changes Effective January 1, 2019

On January 1, 2019, we’re making a few product changes that will affect our Protective Advantage ChoiceSM UL and Protective Custom ChoiceSM UL products. We’re sharing this information in advance to assure clients continue to get the value they expect out of their Protective Life solutions.  Learn more

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.

Spotlight on Cash Balance Plans

Click here to read The Qualified Quarterly with updates on the benefits of a cash balance plan for retirement savers and more.

What’s the Financial Impact of a Disabling Illness?

Clients can be unrealistic in estimating their personal risk of experiencing a serious illness. What are the real chances? Help them test their knowledge with this infographic quiz. Learn more.

 Help Clients Boost their Social Security Knowledge

Social Security is a crucial element to your clients’ retirement finances. Our Social Security video series on YouTube can help address factors your clients should consider as they plan for or are currently in retirement.  Learn more.

 Now Playing: Updated Technology Video

In today's fast-paced world, we're all using technology to manage our daily lives. That includes independent producers, who need to keep up with their business in the office, and on the go. Watch this newly updated video to learn exactly what Columbus Life is doing to help make doing business faster and easier.  Watch.

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.

Prudential’s 2018 Financial Wellness Census

In Prudential’s 2018 Financial Wellness Census, more than 3,000 people were interviewed about their financial health. The most commonly cited goal was having enough money to last in retirement, yet fewer than half of them feel they are on track.  Learn more.

Edu-taining New 4.5% Video

Grab your soda, a bag of popcorn and find a seat. Our action-packed new video comparing GUL & IUL guarantees is the easiest way to understand this innovative concept available to date. Be captivated as protection-focused IUL motors powerfully alongside GUL in it's attempt to take the lead in the permanent life race. 

The All New Protection IUL

With low premiums, competitive cash value growth potential, and the John Hancock Vitality Program, the new Protection IUL delivers more value for you and your clients.  Learn more.

Year-End Planning Strategies 2018

As 2018 comes to an end, there may be some last-minute planning options that your clients will want to take advantage of. Use this client-approved flyer to help your clients with their year-end planning needs.

t's Diabetes Awareness Month!

November is a great time to remind your clients to be as proactive about their health as they are with their finances. By sharing resources like this quiz from the American Diabetes Association, you can help them understand their risk of developing type 2 diabetes. And by recommending John Hancock Life Insurance with Vitality, your clients can protect their families, while earning savings and rewards for living healthy.

We’ve Already Found Your Next Vitality Sale!

There's no better way to boost Q4 sales than by offering qualified customers a 2 to 3 day underwriting experience!  That's why we recently announced a unique “upsell” opportunity for producers who have clients that are engaging with the Vitality Program.   For a limited time, they can purchase up to $1M of additional coverage, fully commissionable, with no medical evidence! This offer expires on December 7, 2018, so visit our Upsell Program Webpage today to learn more or contact your National Account Team.

New Offering for the Broad Market

COMING SOON! Pacific Life is excited to announce a new product: PL Promise GUL. Sneak peek.

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

Faster Placement with Electronic Policy Delivery 

Announcing an electronic policy delivery solution via iPipeline's DocFast e-delivery tool.  Read more.

 Move Your Business Forward with PruFast Track 

PruFast Track is Prudential’s accelerated underwriting process that’s faster, less invasive, and more efficient than traditional underwriting. Take the “Try 5 Challenge” to experience the ease and convenience of PruFast Track.  Read more.

For 2018 Year-End Business Procedures 

Please click here

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.

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.

Year-End Procedures 2018

It's time to prepare for 2018 year-end closing. As always, Pacific Life’s goal is to make this a successful year-end for everyone. View the Full Bulletin for important dates and information about year-end closing.  Full bulletin. 

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.

treamlined Underwriting Available on Additional Drop-Ticket Platforms

We’ve worked hard to advance our technology so you can get business in more efficiently. One way we’ve accomplished this—PLUS, our Protective Life Underwriting Solution, is now available on multiple drop-ticket platforms. See participating platforms.

Expedited Exam Ordering with ScheduleNow

We have successfully integrated ExamOne’s ScheduleNow service into our TeleLife interviews, giving clients the ability to schedule their paramedical examination immediately. And thanks to this feature, we’re able to process your cases quickly and more efficiently—just in time for year-end. View full announcement.

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.