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3 Mark's In The Loop Newsletter

3 Mark Financial, Inc.

February 27, 2019

Join Jeff Wright, CFP, CLU, ChFC Regional Vice President Symetra as he introduces the new Symetra Protection IUL

Webinar March 6 at 3:00 pm Central

Register Now

3 Minutes With 3 Mark

We just launched a new page on our website called 3 Minutes With 3 Mark.  Click on the icon below to watch the first video and next time you are on our website look for the 3 Minutes With 3 Mark page under News and Events.

3 Minutes With 3 Mark

Rosanne Kaufmann has received the 2019 Benjamin "Woody" Woodson Award presented by the Society of Financial Services Professionals Houston Chapter.  The Woodson Award is presented to an individual from the Houston insurance community in recognition of meritorious service to the insurance industry and community. 

Rosanne joined 3 Mark as a Sales Director in August 2014 and is a 40 year veteran in the insurance industry.

Tax Season is a Great Time to Talk About an IUL

Use our newly updated Tax Bracket Risks brochure for 2019 to help explain the advantages of an IUL policy to your clients.  Read more.

Central Intelligence

Central Intelligence (CI) is our monthly publication and podcast which summarizes important court rulings and legislative updates. 

 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!

 It’s (Amazon) Prime Time!

Now, John Hancock Vitality PLUS members can earn a one-year Amazon Prime membership when they achieve Platinum Vitality Status three years in a row. Prime benefits include:

  •  FREE fast shipping for eligible Amazon.com purchases 
  • Streaming of movies, TV shows and music 
  • Exclusive shopping deals and selections 
  • Prime reading and more 

 Click here to learn more about this and all the other John Hancock Vitality rewards.

 Protection IUL ‘18 – An Industry Leader in Low Cost Death Benefit Protection

Protection IUL ‘18 is an industry leader in low cost death benefit protection - and with our Vitality Plus rider, we can also offer our Long-Term Care and Critical Illness Benefit riders for a lower premium than competitors. See how this powerful combination of living benefit riders can provide more comprehensive protection for your clients.

See Lincoln’s New IUL in Action

During the February ONEmeeting, Steve Sabol and his guests looked at Lincoln’s new accumulation Indexed UL that the rest of the industry is already talking about, a new LTC Rider for our flagship protection products, and significant enhancements to the submission and underwriting process to make it EASIER to SELL MORE.  Take a closer look.

 Growth Potential Meets Guarantees

Did you know that in today’s low interest rate environment, you can still offer your clients 5.25%? Lincoln variable annuities with Lincoln Market Select® Advantage combine guaranteed growth with 6% compounded step-ups during accumulation and the option to transition to i4LIFE® Advantage Select Guaranteed Income Benefit (GIB) for maximum income potential in retirement.  Learn more.

Celebrating our 100th Birthday with New Term Rates

Because of you, we’re 100 years strong- and we’re celebrating with our lowest term rates in years. As of February 19th, AIG Select-a-Term gets even more competitive! This reprice focuses on improving rates for longer term durations and death benefit amounts $250k+ for certain issue ages and risk classes. The rate changes will include increases and decreases in certain cells.  Read more

Help Businesses Attract and Keep Top Talent

When talking with business owners a common question is, “What makes your business successful?” The overwhelming answer is “our people,” and it’s easy to see why. Without talented employees, businesses don’t survive in the long run. Talent is important, but it takes more than ability to be successful. Like sports teams, the winning team doesn’t always have the most talent, but it does have talented people working together for the good of the team or business.  Read more.

 Webinar: Deferred Comp Trends

What are the latest trends with deferred compensation plans? We’ll let you know and share how you can use this information to open sales conversations.  Read more.

A Tale of Two IULs

Not all companies focus on protecting their clients' principal. To illustrate higher performance, some IUL products prioritize the potential for market growth over protection. Watch this prerecorded webinar for more insights!

 The Power of Love and Life Insurance

Not all companies focus on protecting their clients’ principal, but IUL Protect is built for the long term with guarantees and reliable performance.  Learn how the market has changed in 18 slides or lessWhat to says o your clients hear the real benefits.

Evaluate your Client’s Supplemental Income Through Life Insurance

If you are looking to provide growth potential for your clients’ supplemental income, while also providing death benefit protection, we have a quick estimator for you.  With a few simple inputs, you can get a quick estimate of how Nationwide’s IUL Accumulator can help.  Learn more.

Strategies for Uncovering Hidden Value in Retirement Income Planning

Learn how tax efficiency in retirement can help you bring a new perspective to your client conversations about retirement income planning. Download white paper here.

 2019 Tax Planning Quick Reference Guide

See key information on federal income tax rates, deductions, exemptions, contribution limits and gift and estate taxes.  Download now.

 Weekly Economic Review & Outlook: Spending Freeze in December

Retail sales were much weaker than even pessimistic projections for December, dropping by 1.2 percent — the largest monthly decline since 2009. Excluding motor vehicles — which were up modestly for December — the news was even worse, with a decline of 1.8 percent. The 12-month change retail spending has slipped to 2.3 percent, the slowest increase in more than two years and only slightly above the pace of inflation.  Read more.

 Webinar (with CE): Tax Efficient Retirement Income 

Most investors save for retirement in their 401ks, 403bs and other tax-deferred accounts – though a lucky few still have pensions. This tax-deferred income may result in a hefty tax bill or higher tax bracket for your clients when they go to withdraw income. Review the basics of tax and talk about the importance of planning for tax flexibility.  Register.

Infographics for #InsureYourLove

Infographics are a great way for you to spread awareness to clients or potential clients. As we enter week 3 of the #InsureYourLove campaign, remember that you can access a number of powerful graphics, including a picture of Jim Chich and his family, whose lives were upended when his wife died during childbirth. Thankfully, life insurance was there to help support them.  See more.

 Wellness for Life Hits the Mark

What role do insurance incentives play in inspiring customers to live healthier lifestyles? A study commissioned by Global Atlantic revealed the answers to this question and other insights into the link between wellness and insurance. Offering some simple incentives might positively impact your sales.  See the results.

Value Protection IUL Ranks #1

Securian Financial’s new Value Protection Indexed Universal Life (IUL) tops the charts with the most affordable premiums across a variety of ages – compared to our top competitors. Additional Value Protection IUL benefits:

  • Built-in no-lapse guarantee
  • Simple, no frills design
  • Backed by our financial strength² 

 See how Value Protection IUL can help you win more business! Contact your life sales support team today.

Helping You! Helping Your Agents!

We Listened. We Heard You. And What You Want is a Click Away!  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 News You Can Use - February 2019

We want to help your business grow and make the new year even more successful.  Here are a couple positives to begin the year:

  •  We maintain our position as the leader in traditional LTCI industry.
  • The LTC13 (current) product block continues to perform as expected, and we again expect no changes in 2019.  We want to earn your promotion and business.

Long-Term Care Tax Advantages for Business Owners

Download the guide.

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.

Shift the Paradigm! Take your Clients tax season from Dreadful to Delightful!

Integrate the LTC conversation throughout tax season. Repurposing the gains in annuities into a source of tax-free funds for LTC expenses. 

 Fund Future LTC Needs with Tax-Advantaged Dollars

Your clients can't predict when a health crisis might strike and derail their carefully crafted retirement plans and investment portfolios. You can't either. But you can talk to them about SecureCare Universal Life, a linked-benefit product that provides a cash benefit they can use however they want and helps shield their other assets from the impact of Long-Term Care (LTC) expenses.  Learn 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.

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

Don’t Just Take Our Word for It, Clients Love It Too

See how TeleLife® can add value to your business through efficiency and a personal touch. Continue reading.

 Streamlining New Business with Protective eTools

At Protective Life, we’re continuously looking for ways to improve and streamline the application process. That’s why we recommend your producers use Protective eTools, a suite of digital capabilities designed to make their lives easier and help them save time every day. More results.

Get an Underwriting Decision - Day or Night

With Automated Underwriting for Living Promise e-Applications, you can get a decision whether it's 8:00 a.m. on a Tuesday or 10:00 p.m. on a Sunday.  Read more.

 Are Your Clients Fit?

With our Fit Underwriting Credit Program, your clients may qualify for up to an additional two table credits from the base rating on both fully underwritten term and permanent insurance.  Read more.

Great news, your clients no longer need to wait for their lab results!

We have partnered with our lab provider to give applicants a secure and interactive way to view their lab results.
Now, the paramedical examiner will provide the applicant with a brochure and instructions to access their lab results via online portal. Applicants can receive results online within seven to 14 days and will be available for one year. Legal & General America will no longer mail the lab results to the applicants.

Easier Underwriting. Happier Clients.

Nationwide® Intelligent Underwriting is a streamlined approach to the life insurance application process providing a faster, more efficient underwriting experience for both you and your clients.  Click here to learn more.

Quest for Best

We’ve compiled our best case submission tips and resources into a single, convenient location! Bookmark the “New Business Playbook” for all the latest updates on new tools and improvements. See more. 

 Now Live: Connext New Business Changes Since

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 the new business Changes Since filter, which quickly shows you policies that have changed after a specific date. Learn more.

Doing Business With Us Just Got Easier

As a valued partner, we thought you’d be happy to know that our newest Principal Life Online feature will be available Monday, February 25! eDelivery allows your advisors and clients to receive and accept life insurance policies electronically.  Learn more.

Underwriting in Review: Affordability Guidelines

One aspect of our life insurance underwriting process includes applicants going through affordability review. Our short Brainshark helps explain why we use these guidelines, who they apply to, and how the guidelines are calculated. It also includes helpful tips on how to expedite the application by including: a cover letter, and an illustration. View the Brainshark today.

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