3 Mark Financial, Inc.

March 6, 2019

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

Webinar later today at 3:00 pm Central

NAIFA Houston is proud to announce the recognition of one of our own for the NAIFA Texas Lifetime Achievement Award.  Congratulations Steve Ehlers for being the most recent recipient of such a great honor.

Steve is Director of The Texas TaxBack Program and a 3 Mark Affiliate.  

Open New Doors with our New IUL and Lincoln Specialty Markets

Having access to one of the most competitive Indexed ULs in the marketplace is one thing… but having a team like Lincoln Specialty Markets helping you find new opportunities is another!

Not only can you WIN more cases with Lincoln IUL, but we’ll show you how to open more doors (and open them wider) to expand your business and practice. Join host Steve Sabol, Competitive Market Solutions Creative Director, and his guests from Lincoln Specialty Markets.  Read more.

There is More than One Reason to Buy Life Insurance

Illness will impact most people during their lifetime. 92% of older adults have at least one chronic illness and the reality is 70% of Americans could not pay an unexpected medical bill of $4,000. View infographic. 

 ‘Term’ to Celebrate

Like AIG, Select-a-Term just gets better with age. We’re partying down with some of the lowest rates in years. Check out the details and transition rules below.  It’s party ‘term’!

 Rate on Dude!

Excited about the term rate changes? Then put that excitement to good use with our easy instant quote tool. (Find it online, or in the app store: “AIG Rapid Rater”) Answer a few quick questions and then share an invite with your client for party ‘term’!  Learn more.

 GUL in NY

Value, Flexibility and Increased Targets? It’s not rocket science. Look to GUL 3 in NY for guarantees. 

PLUS Exceeds Clients’ Expectations

In our most recent client survey, 75% of respondents’ expectations were exceeded.  Read more.

PL Promise GUL Case Study: Competitive Level Premiums

See how competitive level premiums can help with lifetime care of a child, and financial flexibility for the future.  Read more.

No More Sacrifices

PL Promise Term2 offers death benefit protection without sacrificing value, service, or strength. Sound good? See how.

 Not Your Mom’s Conversion Strategy

Let our attractive conversion product strengthen your PL Promise Term life insurance sales.  Read more.

Advanced LIRP: Help Clients Manage Risk in Retirement with Life Insurance

We are all effectively in the risk management business. We manage one set of risks when helping clients save for retirement, and another when clients are in their distribution phase. Life insurance may help insulate a client from the impact of income taxation and sequence of returns risk. Read more. Download guide.

Advisors Offering a Formal Plan Drive Client Satisfaction

As your clients are thinking about the legacy they want to leave, for their family or their favorite cause, you want to be sure you are the advisor who is helping them plan and fund it.  Review the attached mini-brochure and mini-infographic for help with Legacy Planning conversations. 

Insurance News Net: The Long TERM Solution 

There’s no doubt that Gen Xers and millennials have differing retirement strategies. In fact, their lifestyles, expectations and goals are a far cry from each other. But there is one thing they have in common: they respond to the appeal of straightforward messaging with a simple product at affordable prices.

 Legal & General America’s guaranteed level term series, OPTerm, meets that universal demand, while still having the flexibility to accommodate the unique needs of clients at most stages of life.  Read more.

In an Increasingly Complex IUL Market, Symetra Stands for Clarity

Symetra’s guiding principles of Value, Transparency and Sustainability (VTS) are at the heart of everything we do. You’ll see our commitment to clarity at work in our upcoming Protector IUL product launch and Let’s Be Honest marketing campaign.  

With the launch of Protector IUL, we’ll enter the market with a transparent, cost-effective IUL offering guaranteed death benefit protection, flexibility and strong growth potential.

 Our new Let’s Be Honest campaign highlights our goal to be a leader in providing IUL products that provide attractive performance features, strong guarantees and straightforward crediting and expense factors. 

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.

Join Us For a Discussion on Business Continuation

Please join The Lafayette Life Insurance Company at 11:30 AM EDT on March 6, for a discussion with Advanced Markets Assistant Vice President Michael Buckner, CLU, ChFC, RICP, CPC, QPA, QKA in which he will present the topic of Family Owned Business Continuation and how life insurance may play a pivotal role. Learn more.

Flexible Options for Future Financial Needs

Our short presentation helps explain the benefits and considerations of accessing available cash value accumulation through policy loans, withdrawals, or taking a full surrender from a fixed index universal life (FIUL) insurance policy. FIUL insurance provides your clients with life insurance protection and flexible options to help them address future financial needs.  Read 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.

 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. 

A Hybrid LTC Solution Fit for Couples

When couples tell you they want to stay together while aging independently in their home, you can help them with individually tailored hybrid life/long-term care (LTC) policies. Nobody can predict which spouse or whether both will need LTC. The flexibility of Lincoln MoneyGuard® products allow each spouse to have an affordable, hybrid policy — with its own death benefit.  Read more.

Step By Step Guide for LTC

One of the wisest things anyone can do to prepare for their financial future is learn about long-term care services long before they’re needed. Knowing and understanding the choices puts you in a better position to make wise decisions and avoid stress if care is needed. This guide to receiving care provides insights to help navigate long-term care before, during and after it is needed. We created this resource to help answer questions and ease concerns. Read more.

 InsuranceNewsNet highlights OneAmerica

The January edition of InsuranceNewsNet Magazine recently highlighted OneAmerica in "Shift in the Asset-Based LTCi Market is Expected to Grow," as one of three companies dominating the asset-based long-term care market.

 Care Solutions Suite and Concept Training

Get back to basics! Learn all about how asset-based LTC solutions work, how to set up sales, funding options, product features, benefits and more. Webinars are every other Friday, 11 a.m.-12 p.m. ET. Register now.

 Care Solutions Live Deep Dives

Go in depth on topics related to our asset-based LTC solutions. Live Deep Dives are every other Friday, 11-11:30 a.m. ET. Review the topics and register for webinars.

 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!

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

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!

New Foreign National & Premium Finance Guidelines

Hot off the presses!  I just wanted to share some new Marketing information and guidelines for Foreign National and Premium Finance business that launched earlier this month. For Foreign National Business, I have attached a piece on the new Foreign National Team that will be responsible for all underwriting and inquiries on Foreign National Business as well as a piece showing side by side comparisons of our old guidelines vs. new guidelines and finally a piece on our New Foreign National Guidelines. For Premium Finance business, attached is a piece on our new Premium Finance Guidelines and a piece on Specialty Lender Guidelines.

PLUS Exceeds Clients’ Expectations

In our most recent client survey, 75% of respondents’ expectations were exceeded.  Read more.

Read our new Underwriting Dialogue Newsletter focused on Anaphylaxis.

Anaphylaxis is a serious allergic reaction that is rapid in onset and may cause death. Anaphylaxis is underreported and is probably increasing in prevalence, although precise statistics are lacking.  Click here to learn more.  Fine this newsletter and more on the Legal & General underwriting microsite.

Our WriteFit Underwriting Limit is Doubling

Our WriteFit Underwriting™ Program allows for faster underwriting decisions, with no medical exams or blood tests – and starting March 4, 2019, we want to provide that buying experience to even more of your clients by doubling our WriteFit Underwriting face amount limit for eligible clients up to age 50! With the face amount limit increase to $2,000,000, over 82% of applications submitted could be eligible for our WriteFit Underwriting program.  View flyer.

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.