3 Mark Financial, Inc.

April 10, 2019

Mechanics of IUL 

Join Allianz National Sales Director Michael Kubovec, to learn more about how IULs work, why IUL's strong combination of downside protection and upside potential are resonating with customers, and Allianz's IUL product.

Webinar Thursday April 11 at 11:00 am central

UL Product Changes Effective May 6 

Coming soon, we will be making updates to PruLife Founders Plus® and PruLife Essential UL®.  Also, PruLife® UL Plus is being retired.  Learn more.

Grow Your Business

Looking for new sales? Start with your own clients. Check out our policy and beneficiary review materials. Looking for new clients? Check out the prospecting to consumers materials. You can grow your business with just a couple of clicks by using our premade and prepackaged marketing emails, social media posts, infostats, etc.  Get started here.

Why You Need to Go Beyond the Numbers for Indexed UL

National news articles have put universal life products in the spotlight. Some policy owners have been surprised by what can be huge premium increases, resulting in frustration, anger and difficult decisions about what to do next—pay more, scale back or let the policy lapse. With our lower policy charges, stable COI rates, many guarantees and monitoring services, count on Nationwide to provide a policy your clients will value and be able to keep for many years.  Read more.

 Make the Most of Tax-Preferred Planning

There are a variety of options you can use to save for retirement. If you’re already maximizing your qualified plan contributions, there are situations where a life insurance policy can complement your financial portfolio because of its tax advantages. By purchasing life insurance, you’re diversifying your portfolio from a tax perspective and providing the flexibility you need to deal with your specific tax considerations down the road.  Read more.

5 Steps to Easier Policy Reviews

Are you keeping up with your clients? Learn how to prepare, prospect, and conduct more effective policy reviews.

The $12 Trillion Opportunity

Odds are your clients are underinsured. New infographic shows the top three opportunities in life insurance. 

Check Out this Sales Idea to Help Your Clients

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

 Time Till Impact... Just One Month Away?

The time to think about life insurance isn’t after the death of a loved one. After all, 1 in 3 U.S. households will feel the financial impact of the primary income earner’s premature death within just one month. Help get your producer's clients the coverage they need.  Learn more.

 PL Promise Sales Idea

Use PL Promise GUL with a guarantee to age 90 for affordable premiums and flexibility to extend to age 100, as needed.  Get your tool kit.

New Video! Discover Why Commitment Matters

What matters most when choosing the right carrier for you and your clients? At Columbus Life, we know commitment is one of the most important attributes a company can offer to secure your confidence for the long-term.  Watch now.

5 Questions to That Will Help You Streamline Your Clients Path to Retirement 

Retirement marks the start of an exciting new journey, but it may also require that you let go of some of the habits, beliefs and identities that have influenced your life choices up to this point. If you're entering retirement soon, these five questions could help you prepare for the next phase of your life — and the financial, professional and personal changes that may be right around the corner. Read more. 

 A Refresher on Qualified Plans

With tax season in full swing, many small business owners will be asking what additional deductions are available - a qualified plan may be the answer!  Be confident in your qualified plan knowledge, and be ready to talk to your small business owners, by reviewing our Retirement Planning Guide – it’s a great reference for you and is also shareable with clients. 2019 Retirement Planning Guide.

The Lincoln Leader

Click here for the latest Lincoln Leader, which has updates on AccessMyLab, Voice Signatures, and more.

Lower Rates for Protective Classic Choice Term

We’re excited to announce Protective Classic Choice Term will be repriced on April 1, 2019. Now, your producers can offer our dependable coverage at an even lower price.  Learn more.

 Webinar: Don’t Sell your Term Business Short

Protective® Classic Choice Term is now even more competitive with lower rates. But it doesn’t stop there. Did you know that Protective offers another solution that pairs short-term coverage with long-term benefits? Join us for an exclusive webinar to learn about our unique product and how rethinking your term strategy can help grow your book of business.  Register now

Video: Discover the Difference a True IUL Makes

There are two different types of IUL policies emerging in the market today. Which is the right fit for your clients? A true IUL for long-term protection, or a high-exposure IUL with hidden surprises?  Watch the video.

 Video: See What IUL Protect Offers

No matter the market condition, IUL Protect provides clarity with simple, guaranteed protection and straightforward performance for your client and their family.  Watch the video.

 Look Under the Hood of the 1040 Tax Form to Spot Opportunities

Reviewing your client's tax return can be an effective way to identify financial protection needs - needs that AXA may help fulfill. With sweeping changes to personal, business and estate taxation with passage of the Tax Cuts and Jobs Act, this review can be even more significant. The links below provide information on what to look for when examining tax returns, next steps and planning options.  Click here.

Earn up to $40,000 in Rewards with John Hancock Term

With the Vitality rider on a John Hancock Term policy, your clients can save on their annual premiums and earn valuable rewards and discounts by simply living a healthy life. See how these premium savings — plus exclusive discounts on hotel stays, healthy food purchases and more  — can add up to almost $40,000 over the term of the policy.

New Accumulation IUL Webinar: Real Value for the Real World

Join product experts Jonathan Stanisz, Director, Product Intelligence, and Adrian Wan, Director and Actuary, Product Management, for a webinar on April 10th at 1:00pm ET as they discuss what makes Accumulation IUL better-than-ever — and how it can help you grow  your sales in today's highly-competitive IUL marketplace.

When You Think of Us, Think 'Age Last Birthday'

Learn how our age last birthday underwriting can save your clients time and money.  Learn more

 The Stay Bonus: A Unique Twist on Key Person Life Insurance

Learn how Income Advantage IUL can provide options for business owners who dream of leaving their family business to their children.  Learn more.

Do You Have Clients Getting Divorced?

Divorce can be a difficult transition. Helping your clients be organized and knowledgeable can benefit them. These tools will help inform your clients of some common issues they should consider during a divorce, and help them gather the documentation they’ll likely need. Contact your representative to order copies today. Consumer guide. Client invitation. Presentation. 

Reduced Term Rates

Effective today, you can deliver even lower Principal Term rates for many ages and risk classes. Check out our Term web page for transition guidelines, competitive comparisons and 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.

Same Great LTC Product Now Looks Even Better!

Long-term care upgraded its marketing materials with a fresh, new look. This includes new Product and Underwriting Guides! No longer combined into one document, the new LTC Product and Underwriting Guides are two standalone booklets.  See What else is new.

 The Advantages of a Reimbursement Model LTC Rider

Our LTC Rider uses a reimbursement model, while many other companies use an indemnity model. Knowing the difference is important. This article will help you get a better understanding of the two designs.  Learn more.

 LTC Underwriting Case Study

Rachel is 59-year-old female architect from New York with two adult children on the west coast.

Recently widowed, she was referred to a LTCi Specialist after speaking to her Financial Advisor. After discussing her long-term care plan and medical history with the LTCi agent, Rachel applied for MutualCare® Custom Solution and was quoted as select.  Read more.

LTC Cost Estimator

Start a discussion and help clients estimate the cost of care. Compare state, regional and national LTC costs. Estimate costs from 2019 through 2049. And generated a client-ready report for print or email.  Visit site.

From Tax-Deferred to Tax-Free for LTC

As tax season nears its end, keep the momentum going by bringing LTC into your conversations. Now is a great time to reinforce the powerful tax advantages of our Care Solutions annuity-based products as you share the LTC story with clients and advisors. Leverage these key resources: How the Pension Protection Act of 2006 provides tax-free annuity dollars for care. Annuity care video.

 Updated: Income Tax Deductions for Tax-Qualified Long-Term Care Insurance

This updated flyer from the OneAmerica® Advanced Sales team summarizes income tax treatment for tax qualified long-term care insurance. Download the updated flyer. 

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

Principal Accelerated Underwriting Just Got Better

We’re making Accelerated Underwriting (AU) attainable for more of your clients — it's now available for all classes Standard or better. Learn more about enhancements to the AU program. 

 Online Application and Delivery Features

Principal Life Online is all about saving time and adding convenience for you and your clients. Put new tools, like our groundbreaking online application Part B and eDelivery options, to work today.

Protective Underwriting: Did you Know?

Protective wants to help you deliver what is best for the client when it comes to underwriting. Listed here are highlights that will help you and your client navigate through the underwriting process. 

 The Benefits of an End-to-End Digital Process

What if you could spend less time on tedious paperwork, simplify everyday tasks and even improve information accuracy? Now, everything from submitting applications to getting signatures to delivering policies can be done quickly and conveniently through our digitally optimized application process.  Learn more.

Automated Underwriting Updates

Each week we provide you with an update, enhancement or tip on Automated Underwriting, our 'instant decision' tool for Living Promise e-Applications.  Learn more.

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

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

Avoid Top 3 Application Omissions

We analyzed recent cases with “Not Ready for Underwriter Review” status. Other than waiting for the completed paramedical exam and labs, here are the most common application omissions and tips to help avoid them.  Read more.

ePolicy Delivery ePayment Enhancements
Announcing enhancements to the ePolicy Delivery process in DocuSign. We’ve heard your feedback and have implemented changes to the ePayment process in DocuSign to improve the customer experience.  Read More.

Technology and Big Data to Meet Today's Needs

The influence of Big Data has grown significantly over the past decade and more companies have been leveraging data to serve customers better. See how Prudential is using Big Data to bring an enhanced experience to our underwriting process!  Read more.

Getting to the Heart of the Matter – Without Routine EKGs!

Effective April 8th, we will no longer require routine EKGs for individuals up to and including age 70 and applying for face amounts up to and including $10 million – making the life insurance application process easier for you and your clients! View routine underwriting requirements.

 More Customers Can Experience ExpressTrack Underwriting – Available for Face Amounts up to $3M!

John Hancock ExpressTrack ®  offers a fast and easy path to underwriting decisions – and effective April 8th, it will be available for face amounts up to and including $3 million! Check out the complete eligibility guidelines.