3 Mark Financial, Inc.

May 15, 2019

Join Prudential's Lauren Hicks, RVP, Chuck Perrault, Director, Advanced Markets, and Chris Potter, Director, Life Insight Team for 

Mirrored Loan Large Case Opportunities  

Webinar Later Today at 3:00 pm central

UL Product Changes

Effective May 6, 2019, updates will have been made to PruLife Founders Plus® and PruLife Essential UL®. And PruLife® UL Plus is retiring. Discover More.

 Intra-Family Loans: A Wealth Transfer Strategy

In our current low interest rate environment, an Intra-Family Loan can help affluent clients achieve their retirement goals and efficiently transfer wealth to the next generation.  See the strategy in action.

 Recent Research Indicates Consumers are Not Well-Prepared to Meet Their Financial Goals

Research conducted on behalf of Prudential Financial, Inc. reveals low financial literacy scores for the average American. This could be improved with financial literacy programs and professional financial advice; however, nearly two-thirds of Americans don’t have a financial advisor. See infographic.

You’re Invited to Symetra IUL University for an Exclusive Online Course

New indexed universal life products with complex policy features and crediting rates can be attractive if the policies actually perform as illustrated. But market conditions are unpredictable, and you may be left trying to explain policy underperformance to your client. 

Symetra IUL University is designed to provide education on how IUL products work, what factors contribute to policy performance and how IUL “stress-testing” can help provide your clients with a more accurate view of how their policies may perform over the long term.  Learn more.

Advanced Markets: The Tax Advantaged Retirement Income Plan

Business owners who want to provide retirement benefits to employees sometimes worry about administrative requirements, contribution limits, plan costs, not to mention the eventual taxability of retirement income. Many of them might be interested, though, if you could show a tax advantaged income stream in retirement for themselves and their employees, with little to no administrative requirements, plus the flexibility to choose which employees will participate, along with when and how much they contribute to the plan.  Not to mention the tax deductions they may be able to take right now.  Read more.

Apptical Interview Update

We are updating our Apptical point-of-sale interview which will make the process a little quicker. Learn how the interview will change for you and your customers.  Read more.

 Speed Up Underwriting on Term Life Answers

When you use Speed eTicket, our drop ticket application, on TLA your clients could qualify for our Accelerated Underwriting program. Learn how this program can speed up the underwriting process.  Read more.

 Protection, Growth Potential and Flexibility - All In One Product

Many clients are interested in tax-deferred growth that can be accessed later in life for things like retirement, college tuition or emergencies. Learn how Income Advantage IUL helps provide a solution.  Read more.

 May is Disability Insurance Awareness Month

Disability insurance is a fairly easy topic to talk about - and one your clients should quickly understand. Yet, nearly 7 out of every 10 working Americans say they couldn't make it a month without a paycheck.  Read more.

Introducing - PL Promise Chronic Illness Care Rider

Beginning May 13, 2019, your clients can include chronic illness rider protection with new issues of PL Promise GUL2 guaranteed universal life insurance policies. Quotes available on Winflex.  Click here to view the Full Bulletin.

Sales Tools to Help You Boost Your Business

Our new life insurance microsite is a one-stop shop to find our most popular life insurance marketing resources. And as an added bonus, no agent login is required! Take a look today and go to www.allianzlife.com/lifesalestools to check out all the materials.

More Details on Changes Made to the Marquis Centennial

The Lafayette Life Insurance Company is pleased to announce that we have added new J.P. Morgan and Goldman Sachs Indices to the Marquis Centennial for new sales as of April 1, 2019.  Learn more.    

Lincoln PF Premium Finance Solutions Newsletter

A new product and enhanced guidelines means opportunities for you.  Click here to learn more and download the available resources.

IUL - How Much Do You Really Know

Index Universal Life Insurance (IUL) is a popular product with a diverse selection of carriers and options to choose from, but there are some key considerations we should all review before selling or buying it.  Read more.

Nationwide Executive Advantage

Nationwide® Executive Advantage is a streamlined underwriting program to help meet the needs of your busiest clients. The ideal clients for this program are highly compensated executives, ages 30-60, with an annual income of $150,000+.  Learn more.

Enhancements to Protective® Income Builder   

A top financial goal for pre-retirees and retirees alike is to ensure they don’t run out of money in retirement.1 Protective Income Builder Indexed Annuity with the Guaranteed Income Benefit was designed with this goal in mind. To make it an even stronger solution for your clients who are seeking guaranteed income, effective May 6, 2019, we are making the following enhancements.

From the Desk of Trey Reynolds: Behind the IUL Language

You've probably seen or heard us describe our IUL Protect product – that it's a true IUL, designed to meet the fundamental client need of long-term security and stability. I wanted to take a minute to explain how we came up with this language and why I support AXA Equitable and MLOA's commitment to taking an unconventional approach to Indexed Universal Life (IUL) products.   Read more.

Introducing New Lower Rates on Term!

John Hancock’s Protection Term has decreased rates by an average of 4% – regaining a competitive position in our core market. Run a quote today and check out our new lower rates!

 New Microsite to Help Grow Your Sales in the Large-Case Market

Gain insights and strategies that can help you grow your sales in the expanding affluent market — visit our newly updated large-case site today.

 Publix and Meijer Added to the Vitality HealthyFood™ Benefit!

We're continually looking for ways to keep the John Hancock Vitality Program new and fresh for our 40,000 members. That’s why we’re excited to announce the addition of two major grocery chains to our HealthyFood benefit: Publix and Meijer.

 Updated JH Solutions Presentations Now Available in Illustrator April 29th Release!

Talk to your business owner clients today about how you can provide a solution to retain and reward key employees, and use JH Illustrator to customize a plan based on their needs. Executive Bonus. REBA.

 NEW Advanced Markets’ Blog Post — “One-Time Split Dollar Loans for Highly Compensated Employees”

Developing competitive and creative compensation plans is key to an employer’s ability to recruit, retain and reward talented employees. Our newest blog post looks at how, in lieu of cash rewards, many businesses are exploring the use of split dollar loans to provide valuable benefits.

New Insights on Business Owners

Looking for conversation starters? Check out the pulse of today’s business owners in a new market study. It captures the thoughts of 1,020 business owners and how they’re prioritizing the financial conversation for their business, their employees and their lifestyle. For example, did you know just 46% of business owners have business protection? It’s a No. 1 priority since 2010, yet just under half have solutions in place.  Read the report. Business owner research microsite.

Illustrated Rates vs. Effective Rates of Return

When one carrier has a feature like a multiplier and another doesn’t, how can you truly compare the two illustrations? An efficient way to compare two products is to look at the effective rate of return – instead of the illustrated rates.  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.

Nationwide announces CareMatters II

The following pieces will be helpful to learn more about the changes, and improvements introduced with CareMatters II.

• Frequently Asked Questions
• Client Overview
• Comparision Highlights
• Inflation Protection

Running an Effective Campaign

If you're looking for resources to enhance your marketing strategy and take your business to the next level, we can help. OneAmerica ® marketing campaigns can provide the tools you need to connect with customers or advisors on a variety of topics related to your business.  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

Partners Group New Business Client Preparation Guides
• Preparing For Your Life Insurance Exam
• Preparing For Your Telephone Interview (Useful for non-medical cases)
• Preparing For Your Telephone Interview and Life Insurance Exam (Useful for iGO ticket submissions)

Introducing National Life Group's New Life Insurance Application 

National Life Group has simplified the life insurance application process by combining the LSW and NL writing company applications into one version, for all states other than NY and CA.

Starting May 13th, when submitting paper applications, you will be able to select the writing company (LSW or NL) at the top of your application. Selected the wrong writing company?  You won't have to get a new application signed by your client as you did before, simply notify your case manager.

Principal’s Accelerated Underwriting continues to be the industry’s leading expedited underwriting program, making it faster and easier for your advisors to provide coverage to their clients. 

 As of Monday, April 1^st, we have enhanced our Accelerated Underwriting program to include Standard, Standard Plus, Preferred and Super Preferred applicants to apply for Life Insurance!

Click the link to view the AU Checklist and Producer Guide

Reduce Application Cycle Time by up to 7 Days

You can now minimize the time your clients spend authorizing Attending Physician’s Statements (APSs) through EMSI with OneTouch. Clients will be able to create a biometric signature that can be transferred to authorization forms sent to their doctor.

Get Started on PruFast Track Today! 

Learn more about how Prudential’s accelerated underwriting works! PruFast Track is faster, less invasive, and more efficient than traditional underwriting. Get on board PruFast Track and experience the ease and convenience today! It’s as simple as 1, 2, 3…Learn more.

Field Underwriting Update

Refer to our Field Underwriting Guide (now with new look and feel) to help position your clients’ applications for the best possible underwriting decisions. You can also take advantage of our interactive field underwriting tool on JHSalesHub.com.

Get More Program Updates

We have removed the internal and external replacement exclusion for the Get More program! Why? According to LIMRA and other industry studies, even those who have made the responsible choice to purchase life insurance often purchase too little.  Read more.