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3 Mark's In The Loop Newsletter

3 Mark Financial, Inc.

2/13/2019

Join Joe Roderer, ChFC, CLTC as he introduces Nationwide Indexed Universal Life now offering more choice, more guarantees, more transparency.

Webinar Later Today at 3:00 pm Central

Register Now

  

6 Tax Planning Tips to Explore Before Year‐End 

Brandon W. Buckingham, Vice President, Advanced Planning, recently authored an article that discusses what clients need to understand about the Tax Cuts and Job Act that may make their taxes look a lot different. Changing income tax rates and a demographic shift to income investing as the baby boomers near retirement require periodic review of their current tax situation.  Read more.

Loan Choices and Flexibility

Accumulation IUL '18 offers unmatched cash value accumulation potential and flexible, customer-friendly policy options. See how our new Fixed Indexed Loan allows clients to access their policy’s cash value while remaining linked to the market, along with the security of a guaranteed loan charge rate of 5%.

Video: #InsureYourLove

This week’s #InsureYourLove resources include a powerful video—“Life is for Living”—that will capture people’s attention and get them talking to you about life insurance. Make sure they have some tissues ready!  Click here.

Don’t Miss This B.I.G. Idea

Boosting policy values. Inspiring healthier living. Growing your business. That’s B.I.G. Learn more.

Increased Max Illustrated Rates for Symetra Accumulator IUL Base and Select Index Strategies

Effective Feb. 8, 2019, we’re increasing the maximum illustrated rates for Symetra Accumulator IUL’s Base and Select index strategies.  Read more. 

Empowering Your Clients' Financial Know-How

Customers are more knowledgeable than ever, consistently researching before they buy. An astounding 89% of shoppers start their purchasing process with a search engine. A great way to strengthen your relationship with your clients is to empower their ability to expand their financial know-how. You can do just that by exploring the topics below with your clients. Read more.

PL Promise GUL

Learn how our new guaranteed universal life (GUL) insurance product provides death benefit protection and affordable alternative to whole life insurance for the broad market.  Click here to view the case study.

Market Check

Concerned about sluggish and down markets? See how indexed universal life insurance can help your clients protect against the risks of premature death and sequence of returns in retirement.

Make, Bake and Take

Looking for a simple way to explain the power of life insurance in retirement planning? Tap the opportunity with this easy-to-use sales idea.  See sales idea.

 Seeing Retirement Clearly

Will your clients reach their retirement dreams? Explain death benefit protection with supplemental income potential in one easy-to-use infographic.

 Learn how our new guaranteed universal life (GUL) insurance product provides death benefit protection and affordable alternative to whole life insurance for the broad market.  Read more.

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.  Read more.

Key Employee Benefits Can Help Owners in Tight Labor Market

Offer your business clients the power of choice to help address the challenges that come with a tight labor market. Choose from employer-sponsored deferred compensation plans, bonus plans for specific business entity types or split dollar plans. No matter their challenge, you’ll benefit from finding the solutions, expertise and service – all in one place.  Read more.

 A Supplemental Retirement Income Story with Big Benefits

When your clients are looking for a way to help provide financial security for their family or business and create more income in retirement, offer them the Power of 3.  Read more.

Q1 Product and Process Enhancements

Click here to view updates on a new IUL portfolio designed to be the industry leading choice and Lincoln Care Coverage ABR, which is a life insurance rider offering LTC expense protection. 

 ONEMeeting: See Lincoln’s New Solutions in Action

We told you 2019 was going to be a busy year… and we’re starting it off with a bang with a number of new and updated product and process solutions that will help you SELL MORE, MORE EFFICIENTLY. Join host Steve Sabol, Competitive Market Solutions Creative Director, and his guests to come see Lincoln’s new solutions in ACTION. Learn more.

Monthly Market Observations

Click here for a brief client-client-approved recap of Lincoln’s observations on markets and volatility. 

Economic Review and Outlook: Truly Data Dependent Fed

The Federal Open Market Committee (FOMC) showed more flexibility in its policy tools following its January meeting to further a recent dovish lean. It was not a surprise that the target range for the federal funds rate was kept unchanged at 2.25 to 2.50 percent. There were several tweaks, however, in the language regarding future policy moves to signal that the Fed will be fully data dependent from here.  Read more.

The 2019 Tax Guide is Here

Get the key tax figures and limits for 2019. And, learn how our Advanced Markets team is here to help you with your sales efforts.  Read more.

LTC Rider, Chronic Illness Rider or Both?

Our IUL policies offer an LTC Rider and a Chronic Illness Rider. In some cases, clients may benefit from both. Learn how splitting a larger policy into two could save your clients money and provide flexibility.  Read more.

Why Sell Critical Illness? The Return of Premium Benefit

Tell your clients about Critical Illness Return of Premium benefit.  Read more.

Introducing Our New Business Playbook

Through our Quest for Best, we’ve provided you with tips and new resources designed to help your cases get off to a fast start. We’re compiling everything into a New Business Playbook for quick access and reference. Our Quest for Best is ongoing! Please bookmark our playbook and be on the lookout for additional resources and improvements that will help you chart the fastest course to a completed case! Visit New Business Playbook.

 Now with More Wallet Appeal: Value+ Protector

Does potential for increased cash value, extended death benefit guarantees, higher cap & max illustrated rates, and higher target premium sound promising? Our death benefit focused IUL, Value+ Protector, may be a better solution for your client (and for you).  Don’t short-change client’s coverage or leave money on the table. Learn more.

 Now Live: Connext Document Upload

Connext is our new producer website that will replace eStation in 2019 and provides our distribution partners and producers with a simpler, faster and more transparent experience for doing business with us. Our newest feature debut is a simplified document upload process for outstanding requirements on life insurance policies. Read more.

Introducing New & Lower Rates Plus Much More…

Tell your agents about our new rate change—and that we’re in the Top 2, 79%² of the time for 10-year term, 74%³ of the time for 15 years and 55%4 of the time for 20 years, for ages 25-45, seeking $250,000-$500,000 of term insurance, based on monthly rate rankings.  Learn more.

Seeking Protection and Income Potential?

It’s no small secret that Allianz Life Pro+ EliteSM Fixed Index Universal Life Insurance Policy can offer BIG opportunities in 2019 – including providing clients the opportunity to supplement retirement income. Visit www.allianzlife.com/lifebigstory to learn about life’s BIG story. The opportunity could be too BIG to miss.

15% Commission Bonus on Sagicor's Sage IUL and Sage NLUL!

Click here to read the producer announcement.

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.

Help Clients Up to Age 99 with LegacyCare

  •  Guaranteed accumulation: The Legacy Care annuity can accumulate cash value at a competitive credited interest rate. This rate renews at the beginning of each policy year and may fluctuate annually. However, at no time will the Legacy Care annuity accumulate at less than its guaranteed interest rate. Additionally, there are no service or administrative fees.
  •  Tax deferral: With Legacy Care, your single premium accumulates interest tax deferred so you can enjoy interest earned on your interest and single premium. No state or federal taxes are owed until you withdraw the interest.
  •  During the accumulation phase, you will not• Receive any annual 1099 IRS forms • Need to make estimated tax payments nor • Be required to report interest earned on your tax return.
  •  Access to your money: Life presents many challenges. Unexpected events can and do happen, and it is important to have access to your assets “just in case.” Legacy Care’s surrender schedule and withdrawal provisions can provide access to funds when needed.
  •  Withdrawal provision: Anytime after the first policy year, you may access all of your accumulated interest without a withdrawal penalty.
  • Surrender schedule: Because you may need flexibility in the near future, Legacy Care has a five-year surrender charge period. After the fifth policy year, no surrender charges will apply to any withdrawals or at surrender.
  •  Legacy Care Sales IdeasLegacy Care Product Guide. 

 Access Interest Rates Effective Feb 15

New business interest rates for the OneAmerica® Care Solutions product suite remain unchanged, effective Friday, Feb. 15, 2019. View all rates.

Have You Tried our LTC Cost of Care Calculator?

The LTC Cost of Care Calculator is a user-friendly tool created with your clients' needs in mind.  Read more.

Lincoln MoneyGuard II Pricing Update

Effective February 11, 2019, Lincoln is implementing pricing improvements to enhance competitive positioning in core market segments for Lincoln MoneyGuard II. This is a change to rates only for our current offering of Lincoln MoneyGuard II (2017). There are no changes to the product structure, contract language, compensation, or types of benefits provided. Read moreView updated materials.

Introducing the Nationwide YourLife CareMatters® Quick Quote Tool

The Nationwide YourLife CareMatters® Quick Quote Tool provides several exciting new enhancements to the old CareMatters® Benefit Estimator Tool. With a few simple inputs you can provide a more comprehensive assessment of the kind of long-term care benefits your clients may qualify for. Learn more.

Keep the Ball Rolling with 2019 Social Security and Medicare Guide 

Keep rolling in the New Year with our 2019 Social Security and Medicare Guide. Get inflation-adjusted Social Security numbers for 2019, including those for Medicare Part B and Part D. It’s a great companion piece to last month’s 2019 Tax Summary.

 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.

In The Loop Annuities / LTC

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

In The Loop Underwriting New Business

Introducing LifeInsight - Pru’s Innovative New Tool for Managing Life Insurance Policies

LifeInsight is an easy, interactive policy management tool that pulls essential information into one place and simplifies monitoring policy goals, assumptions, and performance. Our hope is that this tool will quickly become a differentiator for our producers and partners in how they sell and support Variable Life policies.  Read more.

 Take the “Try 5 Challenge” with PruFast Track

Are paper applications slowing your business down? If so, we’re asking you to e-submit your next 5 applications to experience the ease and convenience of PruFast Track! It’s easier. It’s faster. Trust PruFast Track and evolve with Prudential.  Read more.

Making Coverage More Affordable and Accessible for Clients with Substandard Ratings 

John Hancock Vitality has something to offer everyone, but it can be especially beneficial for people with less than perfect health. Not only can it make their coverage more affordable, but it can also motivate them to live healthier lives. See how we’re offering these clients savings of as much as 20% when they elect Vitality PLUS on their permanent policies!

Improved Guidelines for Foreign Nationals

See how we’re making it even easier for foreign national clients with U.S. interests to qualify for life insurance coverage!

8 Tips for what to include in Cover Letters to Carriers

If you are looking to streamline your submission process, Nationwide offers this quick reference guide which includes a handy checklist for key items to include in your cover letters.  Learn more.

New York Regulation 60 Enhancements

We’re excited to announce some immediate enhancements to our New York Regulation 60 procedures that will help decrease the regulation review time and create more consistency with the industry’s handling of the regulation.  Learn more. 

Save Time with Online Part B*

In late 2018, we introduced the online Part B where clients can complete Part B of the application on their own when it’s most convenient for them.  Read 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!  Learn more.

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