3 Mark Financial, Inc.

1/9/2019

Lincoln Financial Webinar: Top Sales Ideas from 2018

The holiday decorations are in storage. The confetti has been swept. Another year has come to a close. But no matter the month, our customers still need compelling solutions! Let’s start 2019 RIGHT! Join host Steve Sabol, Competitive Market Solutions Creative Director, and his guests to look at half a dozen QUICK and ACTIONABLE sales ideas from 2018 that can drive your business in 2019.  Learn more.

Guaranteed Term Exchange Program

With the Guaranteed Term Exchange Program, your clients can get valuable, permanent life insurance protection with No Underwriting.  Click here to download the flyer with details.

Faster Than a Speeding Bullet (Almost)! It’s PruFast Track!

PruFast Track speeds up the life approval process so clients can get approved in days instead of weeks.  Read more.

Got a Client Considering GUL3?

Secure Lifetime GUL 3 is back with improved features designed to benefit you and your client! Download bulletin.

Got a Client Who’d Benefit From Protection-Focused IUL?

Value+ Protector is all shiny and new again! No less than 7 exciting new reasons to sell this great bridge product. Download bulletin.

Introducing the New Protection IUL in California

With competitive premiums, cash value growth potential, and the John Hancock Vitality Program, the new Protection IUL provides more sales opportunities for you and more value for your clients. Read 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.

Fixed Account Rate Change in Older Nationwide IUL Products

Nationwide is committed to carefully managing our life product portfolio in order to remain a strong, stable carrier you can rely on. To keep this commitment — and in response to the continuing low interest rate environment — we are changing the fixed account rate for our older IUL products effective January 1, 2019. The change applies to in force and new policies.  Read more.

Check Out the New ColumbusLife.com

The refreshed site features the same valuable product information and educational articles for clients and financial professionals, now with a mobile-friendly design and enhanced navigation. Visit the site.

News Flash! PL Promise from Pacific Life is Expanding

Did you know the biggest opportunity in life insurance is in the middle market? Help bridge the life insurance gap with PL Promise GUL. Learn more. 

Signature GUL Reprice & Retention Limit Increase

We are excited to announce new premium rates for the Signature Guaranteed Universal Life Insurance series, effective 1/1/2019 in all states EXCEPT California and New York

At the same time, American National will increase the maximum retention limits on all American National life insurance products.  Click here to see the details.

The 2018 Wins We Achieved - Together

We believe it’s important to slow down and celebrate all we accomplished together over 2018 before turning our focus to a new year of goals and initiatives. Take a moment to read a reflection of the year from Dave Sheridan, Protective Life’s vice president and managing director of life distribution, specifically highlighting the scores and victories that truly matter in our industry. Read Dave’s Year-End Reflections.

Webinar On-Demand: Tax Cuts and Jobs Act

The Tax Cuts and Jobs Act of 2017 has presented some unique challenges as well as planning opportunities. After approximately one year from the time the act was signed, we now have more clarity with the provisions under the act and how they will effect both individuals and businesses. The latest webinar from Advanced Markets Assistant Vice President Michael Buckner, CLU, ChFC, RICP, CPC, QPA, QKA is now available for on-demand viewing. In this webinar, he presented an overview of the tax law changes as well as some specialized planning opportunities involving both life insurance and annuities.  Listen now.

Quote Term Life Answers Today!

On December 1 we knocked down our TLA rates. Our rates, combined with our competitive product features, set you up for a perfect strike.  Read more.

Video: Live, Keep and Build More Wealth with Permanent Life Insurance

We've just finished a new client-approved video that can help you educate your clients about the benefits of permanent life insurance. Sending this video can help get a client or prospect engaged ahead of your meeting or reinforce the messages from an in-person meeting or phone call. 

Sandwich Generation: When Insurance And Caregiving Collide

Read this article, written by Kim Anderson - Manager of Individual Product Research and Consulting at Securian - that highlights the importance of having a plan for long-term care.

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.

Asset-Care product changes effective Jan. 1, 2019

To help maintain OneAmerica’s commitment to providing comprehensive, lifetime financial solutions for our clients, we are changing the availability of our joint life Asset-Care® acceleration options.  Click here to read the announcement.

Care Solutions Rate Calculator

Our Care Solutions rate calculator quotes Annuity Care® II and all Asset-Care® products. It's easy, quick, accurate and consumer-friendly. Share the link with your producers today!

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.

 Protect Your Clients from the Medicare Myth

A red flag in many retirement plans? Counting on Medicare to help pay for potential long-term care costs. Many clients don't understand that Medicare does not pay for the type of care they'd need during an extended health care event. But if you don't talk to clients about how they plan to pay for care, it's a red flag you'll never see – and an opportunity you'll miss. We can help you have the long-term care conversation with clients and take the first step toward presenting them with solutions that address their top concerns.  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.

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

How Will eDelivery Work?

Recently, we told you about a new feature coming soon — eDelivery. This next phase of Principal Life Online will allow advisors and clients to receive and accept life insurance policies electronically. And because you're a valued partner, we wanted to give you a sneak peek of how simple this new process will be. Read more.

Testing for Clients Age 71 and Over

For applicants age 71 and over, we also measure for frailty and cognitive impairment, which are leading indicators of health for the 71+ market. Our new flyer provides information about the tests so you can advise your clients as needed. 

Updates to non-preferred vendor reimbursement

We have updated our reimbursement process for vendors not on our preferred list. Starting January 1, 2019, if there is a need to use a vendor other than one of the preferred vendors, the agent/agency will do so pursuant to their own business arrangements.  Click here to read the announcement. 

New Life Insurance Application and Ticket – Effective February 11, 2019

Lincoln will implement a new application and new ticket for all life insurance products and submission methods to improve efficiency and create a streamlined approach.  Agent overview flyer. Overview of key changes.