3 Mark Financial, Inc.

1/16/2019

Join Jeff Taber & Eric Striet to hear why Columbus Life should be a part of your clients portfolio in 2019

Built on a culture of over 110 years of financial strength and stability, Columbus Life’s solid foundation helps the company protect producers and clients.   Join this webinar and hear the Columbus Life story and discover the Columbus Life difference. 

Wednesday January 30, 2019 at 3:00 pm Central

Offer a Business Owner Retirement Analysis

Some business owners may be thinking about retirement and discussing things like when they want to transition out of their business and who will take over. For many, their business is their retirement. That’s why it’s important to look at how the business impacts the owner’s retirement plan. A great planning tool is Principal’s personalized Business Owner Retirement Analysis. 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.

We’ve Turned Up the Value on SIUL - Enhancements coming 1/28/2019 

On January 28, 2019, PruLife® Survivorship Index UL will be improved with enhancements that will deliver more value and choice to clients than ever before.  Read more.

Got a Client Looking to Help Fund Their IUL with a Lump Sum?

New Dollar Cost Averaging rider now available on a variety of IUL products will help tie a bow on that sale. Download bulletin.

John Hancock Living Benefits Provide Unparalleled Value

John Hancock’s new Protection IUL not only delivers lower premium solves, competitive cash value growth potential and strong protection against market downturns, but also offers a full suite of industry-first riders that protect your clients at different stages of life: Critical Illness, LTC and Vitality.  Read more.

Market Insights: Macro Fundamentals Remain Steady Amid Market Volatility

It was a rough end to the year, as tighter financial conditions and growing concerns over the global economy pushed risk assets lower. The Federal Reserve hiked its benchmark rate yet again despite the volatility, and the yield curve continued to flatten. The tumult in the financial markets notwithstanding, the economic expansion still does not appear to be quite near an end just yet. The labor market continues to tighten, slowly but surely putting upward pressure on wage growth and consumer confidence. There are a number of gathering risks, but there still looks to be some runway left for both the expansion and the bull market.  Read more.

How Can Your Age 50-69 Clients Get Up to $1 Million Coverage With No Medical Exams?

With PL Smooth Sailing Underwriting.  That’s it! Simple. Easy. Transparent. Learn more.

PL Smooth Sailing Increases Coverage Amount to $1 Million

Pacific Life (PL) launched PL Smooth Sailing, as a predictable solution to fluidless underwriting, on March 19, 2018. Starting on December 10, 2018, applicants can apply for up to $1 million in PL Promise Term1 or PL Promise GUL2 life insurance coverage with death benefit protection and still qualify for PL Smooth Sailing fluidless underwriting if they meet the qualification criteria.  Read bulletin.

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.

Product Changes Effective January 1, 2019

Don’t forget that on January 1, 2019, we’re making a few product changes affecting our Protective Advantage ChoiceSM UL and Protective Custom ChoiceSM UL products. We’re reminding you of this information to assure clients continue receiving the value they expect out of their Protective Life solutions.  Learn more.

Products Available for Conversion

We know that clients’ needs change over time. That’s why we offer policyholders who own a qualifying life insurance policy the ability to convert or exchange their policy to an eligible Protective Life permanent insurance option—without having to provide evidence of insurability. See conversion options.

Did You Hear the News?

The Life Product Review has awarded the WYSIWYG Award to both of our IUL products. Learn what the award is about, and why we are honored to receive it. Learn more.

The New LTC Rider is Now Approved in Indiana

The Long-Term Care Rider is available in Indiana on January 1. Get the info you need to be ready to start selling. Read more.

Chronic Illness Rider Materials Updated

Our fully-underwritten permanent life products are unique because they come with a chronic illness rider at no additional cost and with no additional underwriting. Our chronic illness rider materials were just updated with the 2019 per diem limits. Read more.

It’s Not What You Say, It’s What They Hear

Listen to this 30-minute, pre-recorded webinar by language experts maslansky + partners to help your clients truly hear you, encourage trust and teach the importance of life insurance. 

Podcast: How to Rewire Your Retirement

On this 23-minute podcast, Jaime Hopkins of The American College speaks about how to “rewire” retirement by potentially supplementing and supercharging retirement planning with innovative life insurance strategies.  Listen now.

Updates to Life Cap and Participation Rates

Due to the continued low interest rate environment and prevailing market conditions throughout 2018 we are making the following cap and participation rate changes to our indexed and variable universal life portfolio. Many considerations go into determining the cap and participation rate - and we want to make sure you understand how they are determined and why they change.  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.

LTCi Tax Advantages Flyer

Show your clients how buying a Traditional Long-Term Care Insurance policy offers tax advantages. Read more.

Monitoring Mom From 3 States Away: What AI Means for LTC

In the December edition of Broker World, Care Solutions distribution leader Tracey Edgar discusses how artificial intelligence (AI) is expected to take an expanding role in health care and long-term care, supplementing the services provided by caregivers.  Read more.

COB Option for Retired Public Safety Officers

Did you know clients who are retired public safety officers may purchase up to $3,000 of continuation of benefits coverage with income-tax-free retirement plan funds? A new flyer from our advanced sales team discusses this extra incentive for eligible retirees to insure their LTC risk. 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.

New MoneyGuard Reserve and Reserve Plus Annual Statements

The annual Lincoln MoneyGuard Reserve and Reserve Plus statements your clients receive are changing. View the resources below to become familiar with these changes. We believe the enhanced presentation of information will make it easier for policyowners and their advisors to understand and manage their policy benefits.  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.

WriteFit Underwriting: How it Works

Traditionally, underwriters have reviewed medical histories, lifestyle traits and behavioral characteristics to accurately determine an applicant’s risk. With our WriteFit Underwriting™ program, we are using a new and emerging tool to help provide a better underwriting experience for our clients. The LexisNexis® Risk Classifier takes a predictive modeling approach to provide the mortality risk of an applicant based on a number of individual behavioral factors.  Learn more.

Accelerated Underwriting for TLA

Get faster decisions for your Standard, Standard Plus, Preferred and Preferred Plus clients on TLA Speed eTickets with Accelerated Underwriting.  Read more.

Expansion of Automated Underwriting – Beginning February 11, 2019

Automated Underwriting is a seamless underwriting process where cases are processed straight-through and do not require a traditional underwriting review.  Lincoln’s existing automated underwriting capabilities will be expanded to LincXpress Tele-App submissions in two phases: February 11, 2019 - Lincoln Life Elements Level Term and Early Q2 2019 for all single-life UL, IUL and VUL products.  Agent Overview flyer.